23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Hello, Listen, I need your help!! My name is XXXX XXXX, I have serious concerns regarding MOHELA 's handling of my student loans. Back in XX/XX/2022, I filed a XXXX form with XXXX qualifying payments so that my loans could be considered for forgiveness, however, for whatever reason it remains in pending status. After about XXXX XXXX  I received a formal results letter in mail that was inaccurate and showed me short of XXXX XXXX, for a total of XXXX qualifying payments. I called the loan servicer and they mentioned that the form remained in pending status ( their website refers to a typical review timeframe of 90 days, I submitted months ago back in XX/XX/2022, with no results ). I have called several times but they refuse to take action! The representatives do not make any effort to assist or provide a timeframe to begin the process of having my loans forgiven.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I requested a security freeze from Innovis XXXX XXXX. I submitted all requested and required documents which included a drivers license and lease. 

According to law, once documentation is received by mail, the company has XXXX business days to add the security freeze. Innovis has NOT added the security freeze as requested. 

Their case # is XXXX XX/XX/2024 and # XXXX XX/XX/2024. 

Other companies have completed the request and Innovis XXXX XXXX has NOT. The exact same documentation was provided as provided to Innovis XXXX XXXX
Product: Credit reporting or other personal consumer reports

FUNDO LLC has filed a XXXX XXXX on an inactive llc I used to have and my personal financial accounts. They said I received a loan from them for {$1600.00} and they are trying to make me pay {$6000.00}. I have never received a loan, the banking institution that they are saying was used to receive the funds is not even my bank account. ive never banked with truist. this was done fraudulently and I want this lien removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased XXXX XXXX XXXX XXXX XXXX car no power windows automatic doors bought the car XX/XX/XXXX from XXXX XXXX my contract said {$17000.00} it was fianc through Westlake Financial I started paying Westlake Financial XX/XX/XXXX {$460.00} I paid them XXXX payments of {$460.00} total {$18000.00} I had an accident XX/XX/XXXX car was total out I was hit 5 times in the rear by XXXX truck the car was total out XXXX XXXX XXXX told me to get the payoff on the car Westlake Financial told me I owed {$17000.00} more on the car I ask them what was they talking about I had never heard that the car costed {$35000.00} XXXX XXXX gave me {$9200.00} I gave that to Westlake Financial total I paid them {$27000.00} I also had XXXX Insurance they paid them I kept the car to try to sell parts from the car I had just bought me tires 1 month before the accident thinking they would give me the Pinkslip to the car which they didnt I told them they could pick the car up I called XXXX XXXX XXXX they said this company Westlake Financial had multiple lawsuits against them for overcharging Customers and XXXX XXXX also so they went out of business XXXX
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. 

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 XXXXXXXX and 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: Credit reporting or other personal consumer reports

I have recently found out that I am a victim of identity theft. Due to that there are fraudulent accounts and inquiries on my credit report. Someone has stolen my personal information and has used it as their own applying for a credit card and even a mortgage. I have already taken it upon myself to file a report with the federal trade commission and my local police station. Both the Police report and FTC Identity theft report are attached to this letter. I was advised by both creditors and also your fraud departments supervisor to file these documents and to send a copy. Please review my documents and process a block on these accounts, thank you!
Product: Debt collection

On XX/XX/2022 I spoke with a rep from collection agency informing them of debt not being owed. I also had XXXX on the other line which said the account was never sent to an agency as it was paid in full at the time of disconnection.
Product: Debt collection

In accordance with Georgia Law, specifically Code Section 10-1-36 of the Official Code of Georgia, Please provide the following documentation : -Proof of repossession -A copy of the notice of the seller 's or holder 's intention to pursue a deficiency claim against the buyer - Letter of sale at auction
Product: Debt collection

cash central loan was bought by another creditor and paid off yet it is still showing on my XXXX and XXXX credit reports as a negative account.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXXXXXX XXXX XXXX # XXXX, has violate my rights XXXX  XXXX XXXX XXXX, has violate my rights XXXX XXXX XXXX XXXX, has violate my rights US DEPT OF EDUCATION # XXXX, has violate my rights DEPT OF ED/XXXX  # XXXX, has violate my rights DEPT OF ED/XXXX  # XXXX, has violate my rights DEPT OF ED/XXXX # XXXX, has violate my rights 15 U.S.C 1681 section 602 A. States I have 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 following items of information Any other adverse item of information, other than records of convictions of crimes which antedate 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: Credit reporting or other personal consumer reports

Kindly remove and block. 
I respectfully request that these fictitious accounts be deleted from my credit report as I never authorized their inclusion there. To remove this incorrect information from my files, you must act right now.
Product: Credit card or prepaid card

Opted Out of Getting Prescreened Offers for life. Discover and XXXX XXXX regularly send offers. I do not have any business relationship with either. Most recent offer from discover was on XX/XX/2022 via USPS. Please contact for further details.
Product: Money transfer, virtual currency, or money service

I don't remember the exact day but I know that it was a few days after XX/XX/2020. I told my bank ( chase bank ) that I was scammed out {$600.00} for a room that was up for rent on XX/XX/2020. They said they couldn't do anything about it but mark the account that was used in the scam as a scam account.
Product: Debt collection

I have no recollection of this debt. I have tried to reason with this company several times but they have given me little to no options as far as settling and removing this from my credit report. They have threatened me with legal action and threatened to garnish my wages. They are a company with a questionable background and predatory tactics. I believe they are taking advantage of the fact that I am a XXXX veteran and are trying to take money from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit reporting Agnecies continued reporting the fraudulent information on my Credit Report without proper verification. On XX/XX/XXXX, I requested that the Credit reporting Agencies provide me with documments bearing my signature to prove that the disputes are mine and yet, the Credit Bureaus have failed to provide those documents. On XX/XX/XXXX, I sent another letter emphasizing the importance of the Fair Credit Reporting Act section 605b ( c ) ( 1 ) ( c ) Authority to decline and Rescind. How many letters do I have to send to the Credit Bureaus for them to pay attention to my appeals and remove the disputed items from my Credit File? It seems that the Credit Bureaus have neglected their responsibility to comply with the Federal law and became lazy to take actions and correct my Credit report. I am frustrated by the Credit Bureaus taking no action and negligent of their duties. By submitting this complaint through the CFPB, I am reminding the Credit Bureaus that they are bound to comply to the law and have the fraudulent items deleted from my Credit report immediately. I need the following items deleted from my Credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXXXXXX XXXX Balance - Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} Date opened XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance {$0.00} Date opened XX/XX/XXXX 2007
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Balance Owed : {$410.00} ; XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$150.00} ; XXXX XXXXXXXX Balance Owed : {$380.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XX/XX/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: Debt collection

Received call from XXXX debt collectors XXXX XXXX XXXX concerning monies owed on a {$220.00} American Express Account. Upon further investigation of credit report, victim with new address of XXXX XXXX XXXX XXXX, MD XXXX. american Express Account opened in XX/XX/2018 and closed in XX/XX/2018.
Product: Bank account or service

My bank keeps charging me fees of {$34.00} and it is becoming too much, if the money is not there they should just bounce the check, or take it from another account as I thought that is what we agreed to do.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zella 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 finical 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 CFPBs findings indicate that Zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I am opting out of previous consents to share or use my personal data. Any further sharing or use of personal data will be in violation of my rights to my privacy. I request that my personal data be removed from the company data base immediately.
Product: Credit reporting or other personal consumer reports

I have been on mortgage forbearance with XXXX XXXX regarding my VA home loan as a result of my XXXX as a 100 % total and permanently XXXX Veteran. We have never come off forbearance. We have been attempting to avoid foreclosure and are waiting for the lender to get ready to implement the Veterans Affairs new purchase option which would put the missed payments on the back end of our loan and remain current, with no negative credit reporting. We have been contacting XXXX almost weekly checking in on this for over a year. 

XXXX recently reported our credit 180 days late stating we came off forbearance in XXXX and were just put back on in XX/XX/year>. This is inaccurate as we have been in forbearance as we requested to extend in XXXX, which was granted while we wait for them to implement the new VA program ( XXXX ). We have never come off nor were notified we had come off. 

I requested this to be reversed, as per VA 's guidance, Veterans are not to be negatively reporting while waiting for lenders to get this program up and running. They denied my request and have not provided documentation when asked via phone or in writing to support our claims that we were extended in XXXX. Furthermore, I can not get an explanation as to why, if we were taking off forbearance, we never received notification. 

This is an immense hardship that has damaged our credit beyond repair as we already navigate a very difficult situation and has had immense effects on my already unstable mental health as a direct result of my military service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent in letters to all three credit bureaus for a XXXX Violation for medical debt, ive been disputing the amount being that i had insurance and the information is incorrect. XXXX and XXXX deleted the collection, Experian has not with the same information.
Product: Credit reporting or other personal consumer reports

Case XXXX XXXX I started disputing my Drivers History report XX/XX/2023. Initially there were 3 violations that I did not recognize. XX/XX/2023 Drivers History responded with a letter verifying all 3 violations as accurate. I then asked for them to reinvestigate and provide proof of verification. I received a letter dated XX/XX/2023 which verified 2 of the 3 violations and 1 had been removed. Yet still no proof of verification was sent. As per the FCRA they placed an address for the furnisher of this information and provided a link as proof. The court has stated thy will never provide or sell data to any CRA ( credit reporting agency ). XX/XX/2023 I sent them another letter attempting to retrieve the documentation used to validate these violations. On XX/XX/2023 I received a letter dated XX/XX/2023 from Drivers History and in that letter they are verifying another violation which is the last one remaining. So this company removed 2 violations and never sent proof of validation. This is a data broker and this also brings into question the permissible purposes and the fact that I have never done business or contracted with this company but somehow they have information they refuse to validate. 
15. U.S Code 1681n ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of less than {$100.00} and not more than {$1000.00} or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of failure or {$1000.00}, whichever is greater
Product: Vehicle loan or lease

BALANCE REMAINING AFTER REPOSSED VEHICLE HAS BEEN SOLD.
Product: Credit reporting or other personal consumer reports

There are accounts that are older than 7 years and should be removed. There are also accounts that have been charged off ; however I did not receive XXXX cancellation of debt forms for any of the mentioned accounts. Which means now this information is inaccurate on my report and needs to be removed. I am also seeking monetary relief for these errors most importantly this has harmed my chances of obtaining personal and business credit to provide for my newborn. These accounts have been affecting my report for over a year. 15 U.S.C1681 section 602 A. states I have the right to privacy. 15 U.S.C1681 section 604 A. section 2. it also states a consumer reporting agency can not furnish an account without my written instructions. I have not given written consent to this company. 

The accounts that legally should be removed are : XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  XXXX Account number XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

on XX/XX/XXXX my check had begun being garnished by Vero 's credit. I reached out to this company multiple times for the lack of the accurate reporting on my credit report when the balance I have for this company is only {$880.00}, the company has informed me over the phone that the debt will continue to grow interest but going back to my paystubs no interest had been added until my last check dated XX/XX/XXXX. Further more, the company claims that I owe them still {$1000.00} which is inaccurate. The company list this account as a collection but the IRS defines collections as taxable income. therefore, this information shall not be furnished on my account. due to inaccurate reporting and trying to add fees not included in the paperwork this should be deleted from my consumer report. IMMEDIATELY
Product: Vehicle loan or lease

I never owned the vehicle and now there is a repossession on my recorded for XXXX dollars
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 Funds Transfer Act ( EFTA ) and Regulation E. These actions have causes significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

Two Coinbase vault accounts can not be accessed due to a lack of verification/authorization credentials. Between XX/XX/XXXX and XX/XX/year> requests for assistance were made via telephone. Requested verification documents were submitted numerous times to Coinbase staff via telephone were not successfully processed.

I am requesting a refund from Coinbase of funds invested in cryptocurrency purchased and stored on the Coinbase website.
Product: Mortgage

My mortgage loan is serviced by Selene Finance and the investor is XXXX XXXX. I was previously discharged in a chapter XXXX bankruptcy, but Selene Finance kept aggressively collecting payments on my mortgage loan. Selene Finance finally offered me a trial loan modification in XX/XX/XXXX and the payments were {$770.00} per month. Selene Finance advised after the three month trial plan that a permanent loan modification would be completed. However, they continued to collect trial payments until XX/XX/XXXX and then advised that the loan modification was denied. Selene Finance has collected funds and continues to make demands to post bankruptcy payments. Since the debt was discharged, numerous demands have been sent via mail in attempt to collect on the discharged debt. I have received repeated phone calls from representatives making demand for payment as well. Persection 524 ( b ), 524 ( c ) and 524 ( f ), it clearly state that the creditor must be free of influence or  inducement in any post-petition communication. Selene has also violated the Federal Bankruptcy  codeby proposing a forbearance agreement on the discharged debt. [ 1 ] See Federal Bankruptcy Case XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX, XXXX District of NC, XXXX Division Furthermore, interest has been charged on the now discharged debt. As you are aware collecting money on a discharged mortgage debt is a violationof the Bankruptcy Code. Bankruptcy Courts may use their contempt power under section 105of the Bankruptcy Code in awarding damages for a creditors violation of the discharged injunction. [ 1 ] See XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX. No. XXXX, XXXX. # XXXX ( XXXX. XXXX  NY XX/XX/XXXX ). [ 2 ] See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX No. XXXX, XXXX. # XXXX ( XXXX. S.D. Ohio XXXX ). Selene Finance is in clear violation of CFPB mortgage servicing rules as well, since they have refusedto complete underwriting on complete loan modification packages submitted. Selene has implemented a foreclosure sale date of XX/XX/XXXX. Overall, I feel deceived by Selene Finance on a number of counts and I am seeking your assistance on this matter.
Product: Checking or savings account

I do not know why i am not able to open an account but if I owe anyone i will pay it I just want to open an bank account to save money and build credit someone tried to deposit fake check in wells fargo account making it close account down i have the proof it wasnt me
Product: Credit reporting, credit repair services, or other personal consumer reports

I set up a paid service with Experian about 2 years ago. Recently I discovered I dont use this and the price is too high. I was sold on the ability to close my credit report when XXXX got hacked. 

There is no way to reset a password my email. There is no way to close my account via email. 

There are no people to help from the phone number. The auto prompt does not work. 

Since, I have tried to close my account 50 times. When I call in, they ask for ALL my information first, before im disconnected. This means entering my address and social security number over and over and over. I have entered every address that I have had in the past 3 years. I NEED SOME WAY TO CANCEL ALL PAID SERVICES. 

I want to cancel my Experian account. This is deliberate exploitation. PLEASE HELP ME