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

According to the FCRA, EQUIFAX is obligated to report accurate accounting, I have advised All the negative information reported is fraud. The companies involved had 4 days according to LAW to remove this information from my consumer report. An FTC fraud report was filed on my behave. I am now requesting EQUIFAX to provide the documentation and prove that the information is indeed accurate. EQUIFAX has 15 days to provide me with the name of the person ( s ) spoken to, documentation used, a signed application, XXXX accounting report, I am not asking for an e-Oscar report. If EQUIFAX does not have documentation to shows that the companies involve credited my account, then it must be removed ASAP. The companies involved is liable under the SEC to follow certain rules. I will be filing FORM 211 treasury omb forms to audit my consumer accounts. EQUIFAX is securitizing data and refuses to provide me with a copy of my CONSUMER FILE not my CONSUMER REPORT. 

XXXX XXXX - XXXX XXXX? Has been fully paid in accordance with the XXXX XXXX XXXX XXXX XXXX - collections? Company fail to credit my consumer account with the dividends received from my certificate of indebtedness
Product: Debt collection

On XX/XX/2023, I faxed a debt validation letter to Medical Data Systems. Although the letter was successfully sent to all of the numbers, this company did not respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022, and XXXX XXXX, I have sent Trans Union, XXXX and XXXX, an certified letters informing them that my credit report shows ( 11 ) different names, Social Security numbers and different address in various states that I have never lived in. 

I have lived at XXXX XXXX XXXX XXXX, XXXX, VA XXXX for over 15 years. 
my current credit reports that I pulled, shows XXXX XXXX address, etc. 

There is also over eleven ( 11 ) social security numbers on my report. 

a list of names that are not mine ( e.g., XXXX, XXXX, XXXX, ) I have provided a copy of my recent bank statement, a " Extra Large '' Copy of my Virginia Drivers license with my Social Security card so that you can hopefully, assist me with this nightmare. 

I have not received a resolve from any of the three credit bureaus. I have checked my credit reports again, and the mis-information is still on my report. 

According to the Fair Credit Reporting Act ( FCRA ) The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. Please assist me with resolving this matter. 

I look forward to hearing back from you soon.
Product: Student loan

I have a direct student loan held by Edfinancial with a remaining balance of {$9900.00}. On XX/XX/XXXX and on XX/XX/XXXX I requested a timely refund for payments made on the account since XX/XX/XXXX, in the amount of {$9200.00}, as allowed by the Dept of Education. This request was clearly made in the hope of being able to make a request of my full eligible amount of student loan cancellation as outlined by the Biden administration. Edfinancial has responded with saying they will at earliest be able to process the refund and have that reflected in my loan balance in at earliest 150 business days, which is an unreasonable timeline compared to other loan servicers.
Product: Money transfer, virtual currency, or money service

To the 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 ( XXXX ). I firmly believe that this limitation has been imposed due to a misunderstanding or an error, as I have always been diligent in adhering to PayPal 's policies and guidelines. 

I wish to emphasize that I have not, to the best of my knowledge, violated any of PayPal 's terms of service or engaged in any activities that could warrant such a severe action. The sudden restriction has not only inconvenienced me but has also shaken my trust in PayPal, a platform I have relied upon for secure online transactions over the years. 

I kindly request PayPal to re-evaluate my case with utmost diligence. Mistakes can occur, and I believe there might be pertinent information that has not been appropriately considered. I am more than willing to cooperate and provide any additional verification or documentation that might be necessary to resolve this matter. 

Having been a loyal PayPal user, I genuinely hope that my account can be reinstated after a thorough review. The ability to use PayPal is crucial for my online transactions, and this restriction has put me in a difficult situation. 

I kindly ask for a second chance to rectify any misunderstandings and restore my account to its full functionality. Your prompt attention to this matter would be highly appreciated. I am eager to regain access to my PayPal account and continue using your services for secure online transactions. 

Thank you for your time and understanding. 

Sincerely, XXXX XXXX
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 Cunsomer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timley and effective messaures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Futhermore, 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 readiness for these violations.
Product: Student loan

Hello I am writing to address an issue regarding my borrower defense application under the XXXX XXXX XXXX case. Although I was granted full forgiveness of almost {$40000.00} of student loans, reflected on both the Mohela and Dept of Education websites, the loans that were forgiven are not related to my attendance at XXXX XXXX XXXX from XXXX to XXXX. Instead, these loans were consolidated from another institution.

Additionally, I am currently serving in the military, and because the wrong loans have been- marked with a {$0.00} balance, I have lost valuable time toward earning Public Service Loan Forgiveness ( PSLF ). This situation is significantly impacting my progress toward PSLF, and I would appreciate urgent attention to correct the loan forgiveness records. 

Per the XXXX XXXX XXXX settlement, I am entitled to a refund of the monies I paid toward my XXXX loans. I have not yet received this refund, and I would like to know when I can expect to receive the check for the XXXX loans as outlined in the settlement.
Product: Debt collection

I received a threatening phone call on XXXX XXXX, 2016 at XXXX from a voice recording message saying- if you do n't answer the phone or return our phone call legal actions will be taken against you immediately including your personal resident where you reside and your vehicle. If a payment is not give before XXXX today you will be arrested by your local authority. I asked who am I speaking to the representative ( XXXX XXXX ) insisted on saying NP group several times after I kept asking what does NP stand for. I had to google it just to see what NP stands from. I 'm not sure what kind of debt it is but it 's very scary to receive a call like that and all they want me to do was verify the last XXXX of my social and I did n't provide that information. Once I disconnect the phone he repeatedly called over and over until I blocked the number. XXXX called and left several threatening messages saying. You will be in jail by XXXX unless you answer my calls today. At one point I asked him where is your company located he stated-I ca n't give the information to you unless you give me your last XXXX digits of your social.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have been trying to an investigation and removal of the account XXXX XXXX off my credit report. It is not mine and would like it removed which has been done from XXXX and have not gotten help from TransUnion. Horrible customer service and would never recommend them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I submitted a complaint to the CFPB detailing that Lexis Nexis is reporting a bankruptcy on my consumer report that is reporting incorrectly. They claim to have sent me a email asking to verify my identity even though I sent them the last 4 of my social and a copy of my drivers license to verify my identity. This stall tactic is willful noncompliance to remove information that is incorrect and incomplete from my consumer report. The information that is being reported on my consumer report from Lexis Nexis is incomplete and incorrect and needs to be removed immediately. 
In addition, they do not have permissible purpose to furnish this information on my consumer report without my consent or written permission. That is a violation 15 USC 1681 ( b ). The bankruptcy court is not furnishing this information to Lexis Nexis. They are harvesting this information and displaying it with my name, social, address and other identifiers that are prohibited by law. I demand that it be removed immediately pursuant to 15 USC 1681 ( b ).
Product: Credit reporting or other personal consumer reports

My wife and I were on celebrating our anniversary in the XXXX, VA area ( XXXX XXXX ) when we were introduced to XXXX XXXX. We attended a presentation and committed to a XXXX XXXX XXXX XXXX XXXX. In which, due to life happening ( before and after Covid ) we never was able to utilize the facility. Fast forward, XXXX years later ( XXXX ) we finally booked a stay in XXXX. While celebrating another anniversary, we entered into what we thought would be an update session but turned out to be another presentation. XXXX to XXXX hours later, we exit the pressure tank! We had signed contracts that appeared later that we couldn't had read. That was the first red flag... Here 's the second flag! We had a free week vacation that needed to be used by XX/XX/XXXX. My son was getting married in XX/XX/XXXX so as a wedding gift I figured that would be a great honeymoon sendoff. Long story short, turns out that free week ended up costing me {$1700.00} not including airfare!! Something was wrong and I began looking at these contracts. These folks had done a number on us. Quiet Deed for {$10.00} .... WHAT IN THE WORLD HAS THESE PEOPLE DONE was my thoughts! I stopped making payments and starting seeking legal counsel. I wrote a detailed complaint in XX/XX/XXXX. XXXX XXXX XXXX is reporting differently on each of the credit bureaus!! Transunion is reporting that is a Travel Card / Entertainment {$3200.00} while XXXX is reporting as Miscellaneous {$33000.00} and XXXX is reporting as Mortgage Company. They should be straight forward with consumers and stop setting traps. Now they do everything they can do to try ruin the consumer when they have been discovered! 

Here 's the problem, I feel that XXXX XXXX XXXX is misleading consumers as well as these credit bureaus!
Product: Debt collection

Pursuant to XXXX XXXX XXXX, i owe no debt, this company is violating my consumer right to XXXX XXXX XXXX XXXX XXXX b XXXX company has no permission to report anything using my info pursuant XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was sued by XXXX XXXX XXXX XXXX XXXX XXXX for a debt with XXXX for the amount of {$1800.00}. I requested information to validate this debt and I was only provided with copies of some statements without purchases amounting to the amount claimed. I was the sued for in the small claims court and I got a Default Judgement against me on XXXX. In XXXX the case was dismissed. I have tried three times to tell the credit bureaus to verify this and this collection is still under my report. I need this deleted as soon as possible. This is affecting my livelihood and credit score and nothing has been done.
Product: Credit card

I am writing to address a critical issue that has significantly impacted my credit score and financial standing. In XXXX, I contacted their support team to report fraudulent charges on my account related to XXXX XXXX XXXX including but not limited to XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. Following their guidance, I reported the situation to their fraud department and disputed all these charges. 

However, despite taking the necessary steps to report the fraud and dispute these unauthorized transactions, my credit score has suffered XXXX as a result. Consequently, I am now unable to qualify for a mortgage or secure housing. 

.
Product: Checking or savings account

AMEX allowed a fraudster to open an account in my name without my knowledge or authorization. Although I have AMEX credit cards, and AMEX has my address and phone number, I never received any notification of the new account. The savings account that was fraudulently opened had an address that I've never been associated with. Furthermore, AMEX allowed my existing XXXX XXXX account to be LINKED TO this new fraudulent AMEX account and for {$4500.00} in funds to be PULLED via ACH into this new account without my authorization. This linking happened WITHOUT any PLAID system verification and WITHOUT any micro deposits being placed into my chase account to verify ownership. This is a colossal security failure on the part of AMEX. When I finally discovered this fraud, AMEX shut down the fraudulent account and is now holding MY money hostage. I'm being made to jump through hoops to recover my funds. XXXX XXXX has closed my fraud claims insisting that based SOLELY on the name of AMEX account matching my chase bank account name, they do not consider it a fraudulent transaction. I've appealed this multiple times to no avail. With XXXX being uncooperative, I have been given no XXXX XXXX from AMEX besides simply being told to go back to XXXX and ask XXXX to request a recall. XXXX has told me they've finally requested a recall but AMEX claims they've received no such request. Im stuck between the two bank pointing fingers at each other. I need someone on the AMEX side to return the funds back to XXXX originating account. I have never signed any terms or conditions from AMEX agreeing to this broken process that holds my money hostage.
Product: Credit card or prepaid card

My fiance added me to her Capital One XXXX XXXX, I am already a Capital One customer with my own login for the app, now when I log in to my app I able able to access my multiple lines of credit in one app. That should be great, unfortunately it is not because every time I make a payment to the Capital One they place a fraud alert on the account then force me to go through a lengthy verification that includes calling XXXX XXXX XXXX to confirm I own the same exact checking account that I've already verified with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit cards keep reducing my limit after I pay a significant amount so that I wont be near the balance and i end up getting reported multiple times for being near or less than {$50.00} over my limit with no phone call, email or notification whatsoever.
Product: Student loan

I have received stating that a lawsuit was filed against me by Navient on XX/XX/year> in the Illinois District Court for the amount of {$1900.00}. Navient does not allow me to enter my account and make payments. I would like to enter a payment plan of $ 45 monthly since I am currently working part-time.
Product: Student loan

For two years I have used auto pay to pay my student loans through Navient ( formally XXXX XXXX ), which are only configurable to the minimum payment. Several months ago I decided I wanted to pay more than the minimum - but am unable to pay a specific amount with auto payments. Thus, I stopped auto pay to schedule the payments manually. 

Over the last several months many of my student loan payments have been " refunded '' or not accepted ( paying via account I am positive has sufficient funds to make payment ). After making or scheduling these payments I have received confirmation numbers, and confirmed scheduling dates. From my perspective these payments were accepted, and credited towards my account. I have recently looked back to see payments not being credited to my account and extensive interest being accumulated. 

I have made payments over the phone that have been accepted over the phone, and then refunded for some reason. No emails, or notifications otherwise have alerted me that my payments were refunded. I have received notifications that my account has " needed attention. '' But no " payment cancellation '' alerts as I have had in the past with card errors, or other technical issues. 

Upon reading a recent article about similar practices happening with XXXX XXXX funded student loans I saw an eerily similar series of events taking place and I want to alert other people of these practices. It is intolerable that making financially smart planning decisions is not possible via Navient 's user interface, or even their customer service. I feel it is my right as a consumer to be able to automate my payments to any amount I desire. Further, it is also my right to pay with any means I see fit, however I am unable to use anything but a debit card, or bank account and routing number. There are pages upon pages of public forums from Navient users illustrating the frustrations with attempting to pay, and being unable. These practices further worsen the student loan debt problem that follows people in my generation.
Product: Checking or savings account

My credit card, checking and savings account were closed on XX/XX/year>. I received a letter from the bank around the third week of XXXX notifying me of Chase Banks decision. I visited a branch, called online customer service to try to understand the reason for the closure and offered to be of assistance in any way to rectify the situation. I suspect the unusual activity is me moving large amounts of cash around to take advantage of high yield interest rate accounts ( FDIC-insured financial institutions ). I have proof of every single transaction. I recognize sometimes banks erroneously flag certain transactions, but conducting investigations behind closed doors, closing my account without taking my offer to help into consideration, I think violates my rights. This malicious closure has direct / severe impact on my credit score and my financial record.
Product: Student loan

As the result of frequent selling of the loans and changes in loan servicers, several of my student loans have unresolved inaccuracies on my credit reports. Please do not forward this to the Department of Education Ombudsman as they were not helpful on a previous complaint on this matter. Here are the details : 1. My XXXX account XXXX continues to inaccurately show as paid 60-days late without the requisite 30-days late payment notation the prior month ( see attached copies of credit report ). 
2. My ACS/XXXX accounts XXXX XXXX, XXXX XXXX and XXXX XXXX continue to inaccurately show as paid 60-days late without the requisite 30-days past due notation the prior month. Also, data is missing for XXXX of the XXXX reporting months on the XXXX accounts casting serious doubt on the accuracy of the data ( see attached copies of credit report ). 
3. My XXXX accounts XXXX, XXXX and XXXX continue to inaccurately show as paid 90-days late without the requisite XXXX and 60-days past due notations the prior months. Also, data is missing for XXXX of the XXXX reporting months on the XXXX accounts casting serious doubt on the accuracy of the data ( see attached copies of credit report ). 
4. Finally, no data in many reporting months is negatively affecting my ratio of number of late payments to number of on-time payments.
Product: Debt collection

I received a letter from RFGI stating that I owe money to them for XXXX 

I have not been a customer of XXXX for some time and cancelled my subscription. RFGI has not provided any proof this debt.
Product: Payday loan, title loan, or personal loan

I applied for the loan, got multiple loan offer, but never spoke to anyone to discuss the terms. I did speak with another loan company and completed the process. The money from Minto Money was deposited into my account and the payment came out. I went to review the terms and was shocked at the interest rate. 

ANNUAL PERCENTAGE RATE 752.28 % The cost of your credit as a yearly rate. 
FINANCE CHARGE XXXX The dollar amount the credit will cost you. 
Amount Financed XXXX The amount of credit provided to you or on your behalf. 
Total of Payments XXXX The amount you will have paid after you have made all payments as scheduled.
Product: Mortgage

Loan Depot # XXXX was over paid and they returned the over payment, Then this month XX/XX/2021 I paid XXXX to Loan Depot with Confirmation # XXXX have been getting calls today stating that the loan has not been paid. I have enough problems with a XXXX XXXX, XXXX XXXX XXXX. 
Even my loan statement does not look right, it is a XXXX XXXX with a due date of the XXXX of XXXX, should it not be XX/XX/XXXX?
Product: Credit card

Greetings, Back in XX/XX/2024 I have opened a secured credit card with the bank capital one with a deposit of {$500.00} and my card got approved and they send it fast because to my understanding I have been with them for years I have another regular credit card with them and XXXX checking an a savings account and right now they are in good standing and a few days my new secured card arrive they looked my account app and when I called it was for supposed fraud and when I called they acted very weird and they treat me like trash and when I went and try to activate my new secured credit card they told me that they need it to verify my Identity because of a posible fraud and I spoke to them and explained to them that I was with them for years and they did not wanted to hear it so I went and send a pdf photo of drivers license, my social security card and a copy of a statement of a checking bank account that I have with them and after XXXX days they rejected the bank statement wish they told me that to send in because it was going to work so I send another statement from another checking account that I have with them they rejected and when I called them and ask why they where playing around and did not took me seriously or even pay attention to me so I send another statement from a different bank account and still they rejected me so at this point I was so frustrated but still send my cell bill and a card from my my medical Insurance and even a letter from a business account that I also have and still havent heard from them and I will like to get this resolved as soon as possible because my experiences with capital one has been very horrible so far.
Product: Debt collection

We have been loyal customers of XXXX for more than 10 years. On XX/XX/2019 we switched to another company. When we received the last bill by XXXX we were surprised to see that instead of issuing a prorated bill for the 6 days we used their services ( from XX/XX/XXXX to XX/XX/2019 ) they charged us for the whole 30 day period! 

We called multiple times the customer service center of XXXX and they insisted on that. We requested that they present us with the contract we signed more than 10 years ago and they referred us to their website, which for old customers initiated service more than 10 years ago the contract DOES NOT state that prorate is not the case for cases like ours. 

As a final action, we wrote to the Customer Relations of XXXX, but instead of replying to us with specific arguments and facts they decided to send the claim to a collection company! 

After that we would like to let you know that we dispute this debt and we are willing to pay the fair amount for the service we had. Thus, to pay, for the 6 days of service per {$3.00} per day, the amount of {$20.00} plus taxes and fess of {$10.00}.