23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

When I applied for a Sallie Mae loan I was given three different repayment periods : 10 years, 15 years and 30 years. The repayment period dictated how long I had to repay and in addition affected my interest rate. When I originally applied for my loan, I selected the option for a 30-year repayment term for lower monthly payments, in exchange for a higher interest rate. However once I entered repayment, my interest rate was still for a 30 year loan, but my " estimated payoff date '' is ten years from my " repayment start date ''. As a result, my payments are calculated based on 30-year repayment period interest rates and a 10-year repayment period. There is no way ( to my knowledge, or under my own investigation ) to change my " repayment start date '' nor when I requested a promissory note or reviewing my own documents there was any indication of how long my loan repayment period is. When I asked Customer Service for this information, they could not provide it to me either. So, the basis of my complaint is that my payments are much higher than they should be and that I have paid much more in interest because my payments are calculated using 30-year repayment term interest rates in a 10-year repayment term.
Product: Credit reporting or other personal consumer reports

I have been calling daily to recieve assistance in this serious matter. I have not recieved any useful help and this and it is affecting my lively hood. These account are inaccurate, false, and i require them to be remove within the next XXXX business days. Transunion, XXXX, XXXX has not reciprocated any compassion with reporting this on my consumer account. NO COMPANY has recieved written consent from me to report this onto my consumer report now they reporting anything, even things that dont belong to me this is illegal. Not only is this identity theft that i have been working tirelessly to fix. This is aggravated identity theft.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Goldman Sachs Bank has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Student loan

I was accepted by XXXX University in 2017 to pursue a degree in the XXXX XXXX 
I requested a student loan from Sallie Mae Bank, the bank opened different loan account with different numbers and each loan has a different interest rate I suppose from ( 7 % to 12 % ). The bank impose setup a monthly amount that kept going up on a regular basis. I contacted the bank several times and explained my situation in terms of high interest rate and financial limitation to handle such burden. I work as a XXXXXXXX  at the hospital and yearly income is less than {$25000.00}. 
At some point they gave me a deal after reviewing my situation of hardship and agreed to lower the monthly payment to {$400.00} with a low interest rate as well. After few months the monthly payment went up to {$900.00} and now they are imposing a monthly payment of {$1000.00} plus. My family is going through a financial hardship as well. 
I already submitted a complaint to the your agency in the past but the Bank keep squeezing me. The amount mentioned above is interest payment only which is intolerable unreal and abusive.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I sent my brother XXXX XXXX {$1400.00} through XXXX a third party. My little brother almost immediately received an email from TD Bank which I have attached which stated the money could not be transferred and was being sent bank to XXXX XXXX at XXXX  XXXX XXXX. Obviously, when he told me about the email immediately checked my bank and noticed the {$1400.00} was not put bank in my bank. Immediately after, I called my bank, XXXX  XXXX XXXX who said the transaction was failed and the money would be posted back in my account because that is what happens when a XXXX transaction FAILS. If the transaction was completed and it went into another account there is absolutely nothing they can do BUT that was not the case. After almost a week I called back and they told me that they have no idea what happened and I would have to file a claim which takes somewhere from 5 - 60 BUSINESS DAYS. Several days later I received a letter from the bank saying the claim has been completed and that the {$1400.00} was put into the wrong account at TD Bank. They stated that TD Bank would have to ask the customer/client for the funds back who received the funds. They said TD reached out to customer and customer declined to release those fund which is the craziest thing I have ever heard in my life. I decided I would call in every day until it was resolved. I know all calls are recorded and every time I called XXXX  XXXX XXXX told me something different. The 2nd time I called in they said TD bank reached out to the customer and never received a response. Keep in mind I was laid off from my job during the time period so that {$1400.00} was vital to my life. I called in once again to XXXX where they escalated the call. They had the XXXX  analyst reach out to the TD analyst who was handling this specific claim who told my XXXX analyst who was handling the claim that they have the {$1400.00} and they would give XXXX  no more more information regarding this. XXXX  XXXX XXXX told me to file a law suite against TD Bank. Again all calls are recorded and to me not only did they steal {$1400.00} but it caused me to move and late payments on all my loan and much much more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : $ XXXX, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Equifax still reporting inaccurate information on my behalf without my permission I sent documents and proven those accounts was due from Identity theft I uploaded police report and ftc reports that they saying is not honor denying me rights to my credit causing denial making hardship to provide for my family causing. stress and financial harm to my name and repartition .accounts listed is veros credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I so have a deletions letter from citi bank but the companies still reporting.
Product: Credit reporting or other personal consumer reports

I was a victim of identity, theft, and fraudulent charges. I reported it to the credit bureaus. It was investigated deleted, and then reappeared on my credit report these accounts are XXXX. {$8600.00} numerous times I sent FTC ident report to XXXX Equifax and all the rest of XXXX Equifax have received my document virtually and through mail certified. I have copies they have removed it and now have they have returned the same fraud account hindering my credit. Im requesting for a proper investigation on Equifax investigation methods and they compliance with XXXX XXXX policy and
Product: Payday loan, title loan, or personal loan

When I spoke with him on Tuesday, XX/XX/XXXX he was yelling at me telling me that I make good money and I was defaulting on this loan on purpose. I was willing to work with him, but he was so mean and even called me back on Tuesday after I told him I did not have the {$500.00} and informed me he would be contacting my husband to let him know what has transpired.. I never once received anything by regular mail, or email from XXXX or Alliant Capital only phone calls from this gentleman, the company phone number he left to return his call was XXXX XXXX XXXX, but the caller ID was a local number XXXX. I called him back later in the day on Tuesday and told him I was trying to get money out of another account to pay him the {$500.00} by the end of the week, which seemed to satisfy him. He said he would be calling me back by Friday to get an update. 
I googled Alliant Capital and there was information about scams related to this company, I contacted XXXX XXXX for a free case review, a XXXX XXXX instructed me not make any payments to them or give them any of my financial information and to file a complaint with the FTC, which directed me here.
Product: Credit card or prepaid card

On XXXX, a charge of {$10000.00} was made on my Regions credit card from the company XXXX XXXX. I never signed any receipt for this charge, and i never received any products or services from this company.
Product: Credit reporting or other personal consumer reports

Im currently in litigation with Bank of America and because of this they revoked my online account access and refuse to take/process my monthly payments. When I call to make my payment they ask me to call back in a week because they have to email the legal department for approval. Since they have refused to take my payment on my first call - its approved and processed after the XXXX. They have been reporting late payments since XXXX and some in XXXX. Please help stop these monsters!!! You can see that prior to the false reporting I have mentioned below - I have never had a late payment to Bank of America!!! Ever XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Shame on this financial Institution for doing this to me.
Product: Checking or savings account

On XX/XX/2018 I received a text message sent by my bank institution ( Chase ). The text message was an alert as there was a possibility of fraudulent activity. Shortly after this text message, I received a call from Chase.I canceled my debit card as there was fraud activity taken place. A total of {$1700.00} was taken from my business account, in 23 different transactions. My card was used in the cities of XXXX XXXX, XXXX XXXX, and XXXX XXXX California. However I live in a different city,3-4 hours away, and was working when this occurred. Only I have access to my business account and I only have one debit card liked my account. 


On XX/XX/2018 Chase refunded the amount of {$1700.00}, but only temporary. Later that month on XX/XX/2018 the money was removed from my account. Chase stated that after " further investigating since the transactions were done using a pin number '' the money could not be reimbursed. I was told by a Chase representative that I needed proof of where I was the day the fraud took place, so I asked my clients for letters as proof. After submitting these letters Chase still refuses to refund my money.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle on numerous occasions and reporting discrepancies, Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was not feasible. The CFPBs findings indicate that Zelle had not only neglected to protect consumers 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: Mortgage

We received a tax notice in XXXX of XXXX for our local school tax. I contacted our mortgage broker and he stated that the mortgage company would handle this due to being in escrow. We received another tax notice in the mail in XXXX that the bill was still not paid and it was due by XX/XX/XXXX or a late fee would be charged. I called the mortgage company, PHH Mortgage, and spoke with an employee. She asked me to send it to the tax branch of the company and gave me an email address. I sent the email to the address with a copy of the bill attached. My wife then received a letter in the mail on XX/XX/XXXX that the school taxes were still unpaid and we had been turned over to a collection agency. I then contacted PHH Mortgage again shortly after receiving the notice and spoke with another employee. This was done on a conference call with our mortgage broker. The employee was sent all this bills and the letter and he stated that it would be taken care of in five business days from the phone call and that I would receive a letter in the mail in five business stating such. It was also determined that the money for the amount owed was in the escrow account. Two weeks later, I heard nothing from PHH Mortgage and the taxes were still outstanding. I then called again and spoke with another employee. He sent me to a different employee by the name of XXXX. I explained to him yet again the issue I was having and what we needed handled. I again sent him a copy of the letter received in the mail and he advised me that the tax office would be contacted and the issue would be resolved in five business days. After five business days, he called me and stated that they would need more time to handle the issue. With a deadline quickly approaching and the risk of being turned over to a debt collection, I feel the issue will not be resolved in time without the assistance of someone else other than me.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block Inc ) due to in adequate customer service and unfair practices, which violates the customer financial protection act ( CFPA ) pacifically Cash App failed to take timely. Effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, the dispute resolution process was unfair and deceptive as they did not comply, error, resolution requirements under the electronic fund transfer act ( EFTA ) regulations. These actions have caused significant inconvenience and financial loss and I seek appropriate address for these violations.
Product: Credit card or prepaid card

I selected a Capital One Spark Business card because of their rewards program, and in particular, a {$500.00} cash bonus for spending {$4500.00} within the 1st 3-months. I carefully tracked my spending during those first 3-months to ensure that I would reach the {$4500.00} limit. I assumed that 3-months means the 1st 3-months you are using your card, or the first 3 statements. Capital One, however defines the first 3-months as starting on the date your account is opened, although you do not receive your card for about 7 days after that date. 
Due to this definition of the first 3-months, which is not clearly stated anywhere, including in their fine print, Capital One determined that I was not eligible for the {$500.00} cash bonus, despite the fact that I exceeded the {$4500.00} limit and spent {$5000.00} in my first 3 statements, or the first 3 months after having received my card. 
I made 5 separate phone calls ( and spent several hours of my time ) to Capital One Spark Business Customer Service, and was not able to have this issue resolved. I was told by one customer service representative, that Capital One may change the way they count the 3-month period, to count 3-months from when the card is received, as many customers have had the same issue.
Product: Credit card or prepaid card

On XX/XX/2019, there was an unauthorized transaction on my Bluebird American Express card in the amount of {$2500.00}. Apparently I sent this money to another Bluebird user. My account shows a named individual with a XXXX account. I never authorized this transaction ; I do not know this named individual ; Ive never loan my card or card info to anybody ; and I did not make any transactions with the card on that day. I got my direct deposit on XX/XX/2019 and the next day is when this unauthorized transaction took place. I called Bluebird customer service and talked to someone in the fraud department. They took down my information and said that they were opening an investigation. They said that it can take up to ten days to investigate. I asked them when I can expect to get my money back, they said they did not know and they could NOT guarantee that I would be getting my money back. What??!! They have the email address and the Bluebird card information of the individual that hacked my account and sent my money to their XXXX account!! This is my rent money!! When I asked them for the investigative departments phone number, to follow up, they said they did not have that information ... doesnt make sense at all!!
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft in regards to various XXXX accounts with inaccurate information for the XXXX accounts, there is also inaccurate personal information as well ( see attached identity theft report ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance Owed : {$30000.00} ;
Product: Credit card or prepaid card

My American Express credit card statement for XX/XX/2019 included a charge of {$2700.00} from XXXX XXXX for a flight I did not book or take. I reported this to American Express and they set up a fraud claim, credited my account and replaced my credit card. That should have been the end of it, but I recently have received a letter from American Express saying that they are reversing this determination because " According to documented company records, you provided your account number to a Service Establishment '' and " By doing so, you are giving them permission to charge your account. '' The letter stated " If you wish to pursue this matter further, you should contact the merchant directly '' which of course I have done. The American Express response means that if there is a fraud involving any merchant with whom I have done business using my credit card, I have no protection. This seems crazy. I have talked to the XXXX XXXX fraud office but have received nothing in writing from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the XXXX credit agencies several times about the accounts on my consumer report. The transactions are not completed by me as the consumer. These accounts are hindering me to grow. I have asked the company to delete, block, or update the account to ( XXXX ) Some of the companies have refused my letters as well. The companies are in clear violation. The accounts are listed as followed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My report is not 100 % accurate. I have filed an FTC report also see attachment for other attachments. I will be moving forward with a lawyer if I don't get my desired results with and monetary settlement in 4 days. 

Best Regards
Product: Vehicle loan or lease

I am greatly concerned in regards to a matter I have been trying to resolve. 
My account Ally Financial Account # XXXX is reporting what I feel is inaccurate data. 
The date of first delinquency is not listed, The payment status showing a collection/charge off. Yet no payment history is listed prior to XX/XX/2020. I have reached out to Ally Financial to which I got a response dated XX/XX/2020 stating that they have received my request for more information yet I have gotten no other communication from Ally.
Product: Mortgage

I submitted a complaint to the CFPB -- XXXX. Bank of America responded that they needed more time to investigate. Bank of America sent a very short two paragraph response to me flatley stating the information on my report is correct. Bank of America did not send the response to the CFPB. Bank of America did violate a settlement agreement by failing to correct the credit reporting per the settlement agreement, and instead completely deleted the entry, per the original complaint. This complaint also alleges that Bank of America used the response that it needed additional time to respond to sidestep having to respond to the CFPB about the complaint, avoiding a response to the CFPB entirely.
Product: Credit reporting, credit repair services, or other personal consumer reports

auto loan is showing incorrect on all bureaus! credit report has not been accurate for months, have given chances to amend CFPB corrected the report but bureaus unlawfully changed payments back to late!! immunizing upon my rights and Im seeking compensation financially and emotional and mental strain has caused suicidal intentions! please fix this back this is destroying my life!! 

pictures added of incorrect payment status differing on each bureau!!
Product: Debt collection

I received an email from this company on XX/XX/XXXX. 
The email was addressed to my wife and claimed to have a document for us to view. I wasn't expecting an email from a company, let alone an attachment. I didn't open it. 
I replied to that email requesting full validation on this account. 
In their email, they stated that they had our permission to contact us via email - we have never talked to them before, never gave them an email address, nor gave them permission to contact us via email. 
" You were never given permission to use this email address. 
Although I was able XXXX search the address and find out who that address is for, I am not clicking on a link or opening an attachment from an e-mail I was not expecting. 
However, if this is Sunrise Credit Services ( as XXXX suggested ), you can mail a physical letter to the address you have on file - I have yet to receive one from you. 
Also, along with this letter, I demand full verification of the account in which you are trying to collect - copies of the itemized bills, notices, etc., as well as the proof of permission you were given to contact whomever at this e-mail address. 
Please note : This is not a credit dispute or an acknowledgment of debt. The marking of any credit reports as disputed in regards to this verification request will be an FDCPA and an FCRA violation. '' No validation letter/statement received, but their repeated phone calls to my wife and I persisted. 
On XX/XX/XXXX, I emailed them again : " This is my second request for verification on this account. You continue to call and demand payment. 
I still have yet to receive anything in the mail from you. '' Once again, no validation letter/statement received, but their repeated phone calls to my wife and I persisted. 
I just received a phone call ( XX/XX/XXXX, XXXX ) and informed the collector that I've already requested validation on this account twice and I have yet to receive a single piece of paper in the mail from them and their phone calls have continued. 
I informed her that if these demands for payment persist without sending me something so I can validate this debt they're claiming I owe, I will file an official complaint. She acted as if she didn't care and short of laughed at me. She told me that she could dispute the debt and I stopped her and told her I'm not disputing the debt and I don't want it marked as disputed on anyone 's credit report and that I'm simply requesting validation for the third and final time. She, once again, acted like she didn't care.