23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Receive constant threats from so many different companies about student loans that I can't keep track. Recently I received a threat from XXXX threatening to garnish my wages at my new job. This is in addition to XXXX XXXX XXXX, Navient, XXXX XXXX and XXXX XXXX. I have written letters to every one of these companies requesting validation of debt and letters disputing the validity of this debt and they never respond, or they send me a promissory note from XX/XX/XXXX from XXXX which was paid off in XXXX they have a list of 10+/- student loans from years I was not enrolled in school. They have completely ruined my life, my credit, several jobs for 18 years. I have done everything in my power to rectify this situation but they simply pass it off to a different company. They have put 36 pages worth of negative reports on the 3 credit reporting agencies, I have disputed the records but nothing was done. In XXXX I was so sick of the stress from these companies and the constant harassment and contacting my employer, that I called them back and settled the debt ( that I didn't even owe ) just so they would leave me alone. I paid them {$5900.00} with the promise of a letter stating all student loan debt was satisfied in full and a list of loans covered in the agreement XX/XX/XXXX! As soon as they got the money they never sent the satisfaction letter, put all of the money to INTEREST ONLY on 3 loans not a single dollar to principle and put all the loans back in default and reported to 3 credit bureaus. They have levied my tax return for 10years without proper notification or proof of debt. I also paid another company {$140.00} a month for loan Rehab they never paid {$1.00} towards my loans & defaulted me again.
Product: Credit reporting or other personal consumer reports

I recently submitted documents to Experian to update my identity verification information, but they have not updated my report accordingly. I provided valid identification documents, but my credit report still contains outdated or incorrect information. I have contacted Experian, but they have not resolved the issue.
Product: Debt collection

My wife and I are attempting to purchase a home. During the pre-qualification process in early   XXXX  2017   , we were notified on a collection on my  XXXX  credit report. I contact  XXXX  and initiated a dispute as well as contacting the collection agency  (  Aspen National Collections ). I was informed the process would take 30 days. I contacted the collection again in early   XXXX    2017  and was told the debt was discharged and my credit report would be cleared by  XXXX   XXXX  on   XXXX   XXXX  2017   . I contacted Aspen National Collections again on    XX/XX/XXXX    and was told by  XXXX   XXXX  that the debt was still owed. No one will send me any paperwork on the debt as to why, how or when it was incurred. After contacting the original creditor (   XXXX   XXXX     ), I have discovered this debt belonged to my deceased mother,   XXXX   XXXX   It was for maintenance fees on a time share she had once owned. I never agreed to any purchase by   XXXX   XXXX   for any time share. I need to get this issue revolved as to not affect the purchase of our new home.
Product: Debt collection

Financed a computer with XXXX. Paid for more than half of it with monthly payments bringing the balance down to a little more than $ XXXX.Midland Funding LLC is trying to collect {$2500.00} from me. Not wanting to accept payments that I could afford. But always asking for sums of money that I could not afford. I understand that Midland purchased the debt, possibly from another collections agency that bought it from XXXX. I feel very strongly that sending a debt from {$700.00} to {$2500.00} is taking advantage, overcharging, possibly legally wrong but definitely morally wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am, the consumer pursuant to 15 USC 1692a ( 3 ), 12 CFR 1006.2 ( e ) and 16 CFR 433.1 ( b ) in fact, natural person, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX BANK OF AMERICA and XXXX XXXX XXXX XXXX Taken an adverse action , and violated 15 USC 1681m, 15 USC 1681a ( k ) and 15 USC 1691 by not disclosing the required information about the creditor and the original creditor under the Equal Credit Opportunity Act and the Fair Credit Reporting Act./// BANK OF AMERICA and XXXX XXXX XXXX XXXX did not clearly and conspicuously make any statement about the creditor and who is extending the credit, creating false, misleading statement and representation. 

BANK OF AMERICA and XXXX XXXX XXXX XXXX failed to provide a statement with notice of my consumer 's right as mandated under 15 USC 1691 ( d ) BANK OF AMERICA and XXXX XXXX XXXX XXXX are civilly and criminally liable under 15 USC 1611 for failure to disclose material facts relating to this adverse action.
Product: Credit reporting

I disputed the trade line on my credit report titled XXXX XXXX XXXX Acct # XXXX. Equifax is reporting status 60-90 days late, This is incorrect the account status should be paid as agreed, Closed. Equifax is reporting 30 days late in XXXX 2015 this is not correct, also reporting 90 days late in XXXX 2015 also not correct. The trade line is in the negative account section even though it is a positive Acct. Equifax refused to correct and claims they verified. However I verified myself with the creditor, and it does not appear the Equifax actually contacted anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act - XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1605 Determination of finance charge 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 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: Debt collection

There were inquires that were made on my credit report that was not authorized by me. 

XXXX XXXX Date : XX/XX/2020 XXXX XXXX Date : XX/XX/2020 XXXX Date : XX/XX/2020 XXXX XXXX XXXX Date XX/XX/2020
Product: Debt collection

I have a loan I lost my job due to car accident it 's XXXX and I would not drive I am waiting on XXXX I told them that want I receive my payments I would pay them Several time I told them So they still call me two to three time per day
Product: Credit card

My vehicle was broken into. I reside on a cul-de sac/dead end street. I accidentally left my purse in car as I have a XXXX. Hands full and honest mistake by leaving it in my car. Thief took purse, diaper bag and all content within glove box ( car registration etc ). I filed a fruad claim with US Bank and also an immediate police report. No credit cards transactions were fraudulently made but perpetrator wrote a fraudulent check. US Bank denied my fraud claim. Holding me liable because checks were stored in an unsecured location ( car ). No appeal letter was given to me. I had to call several times to fraud dept myself to attempt to over turn decision. No prevail. I also tried calling my home branch and discuss matter with manager. She also gave same answer of " sorry ca n't help, fraud dept denied claim. Nothing we can do. '' Mind you it took almost a week and 1/2 for her to get back to me. Which I emailed her a follow up email with no reply. I had to call her to gain an answer. Poor customer service. I also called into fraud dept 3 times now?? Last representative said supervisor could n't get back to me until Monday! Run around. Point is -- - fraud is fraud. I should n't be held liable for a {$480.00} check I did n't write. In addition to Bank fees being applied!
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently, the credit bureaus are reporting the same debt in separate entries per what is being provided by  Interstate Credit Collection  and  XXXX   XXXX   XXXX . The balances are not accurate or matching up. I have attached a letter where asking for assistance in matter but have not heard back from either company.
Product: Money transfer, virtual currency, or money service

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 Sot 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

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I want removed : 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: Money transfer, virtual currency, or money service

I have an account with  PayPal  that has been locked because of a dispute for faulty merchandise. I followed all the  PayPal  steps to unlock the account to include sending a copy of my government issued  XXXX  card. Now PayPal is saying that is not good enough. PayPal wants me to send a copy of my  XXXX  card statement with the full account number. ( For security reasons the  XXXX  card statements do not include the full account number  XXXX  PayPal also wants a copy of my drivers license. They claim the  XXXX  card is not a valid government ID. Plus they want me to fax it to  XXXX .     I have spoke with  XXXX  card who advise for security reason not to send such information.     My concern is they will hack my account and steal my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter to all credit bureaus regarding a debt reported to my credit report. 
Letter sent XXXX. I also dispute the debt with the credit bureau online. 

All three credit bureaus, XXXX, XXXX and XXXX is report a debt that does not belong long to me. It is for an apartment at the XXXX XXXX  XXXX. I have not applied for an apartment at the XXXX  XXXX  XXXX and I have never lived at the XXXX XXXX XXXXXXXX in XXXX, GA. 

Collection company report on my credit report- Rent Recovery Solutions- amount {$450.00} This is fraud. Please investigate this account. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 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 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 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
Product: Credit reporting or other personal consumer reports

I see reported on my credit report with Experian that The United States bankruptcy court for the eastern District of Michigan reported I filed bankruptcy XXXX, which is in accurate because I have a letter stating that they indeed did not report this to Experian. I obtained this letter after mailing the court A letter asking the day indeed report to Experian. I did not authorize this. I then tried to dispute this From my credit report, and they deny my request even with this letter, which means they are not properly verifying the information.
Product: Mortgage

I have contacted the bank regarding loan mod paperwork - the point of contact and superviseor do not return phone calls and emails are auto-generated stating they are " out of office. '' The Bank dual tracked me to Foreclosure and are still practicing Dual-tracking to foreclosure when I have income to pay my mortgage and am trying to get a loan modification.
Product: Mortgage

In XX/XX/XXXX we remortgaged our home with Fifth Third Bank. At the closing we were presented with a mortgage insurance. We were told that this was necessary. Our credit was not bad by any means. But we do own our own business and the debt ratio was a little high. ( we were told ). We were told that the mortgage insurance would drop off at 80 % automatically. Or five years which ever came first. I have called every year wanting to know when that would be and was told not to worry it is automatically. 

In XX/XX/XXXX, after numerous called and was given several different answers, was told that I needed to but this in writing. I immediately did so on XX/XX/XXXX. I called two weeks and was told that they did not get it so I re-sent it again on XX/XX/XXXX. I was told that they would go back and reimburse me. 

I called XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. The last call I was told I would not be reimbursed and am still getting charged the mortgage insurance to date.
Product: Student loan

My husband and I hold a spousal consolidation Federal Family Education Loan ( FFEL ) - a program that was terminated in the early XXXX - which prevents my burden from becoming eligible for public service loan forgiveness, despite that I have been teaching in a qualifying public university for 19 years and have never missed a student loan payment since I started to repay my debt in XXXX. The original loan was for +/- {$85000.00} and to date, we have paid a total of +/- {$130000.00} in principal and interest. 

Apparently, although FFELs are federally guaranteed loans, they can be backed by banks or private lenders ( ours is backed by the State of New York ) and, currently, do not meet the US Department of Educations qualifying criteria for the PSLF program. Of course, the vast majority of students who took out FFEL loans did so long before the PSLF program was created in XXXX and, therefore, could not anticipate the criteria that would be used to determine which loans would qualify for a program that did not yet exist. For this reason, those borrowers under the FFEL program who meet the current criteria in place for PSLF should be grandfathered into the forgiveness program. They are federal loans as well as indicated in the very name of the program under which they have been issued. I should note that at the time of consolidation in XXXX, my husband and I were never told about these differences between FFEL and direct loans.

Furthermore, the US Department of Education has severed millions of us from any kind of relief in the future. Borrowers with spousal consolidation FFEL loans can not reconsolidate into a new one a direct loan that is considered eligible under PSLF even if it means restarting the clock and making timely payments for an additional 10 years. There is no mechanism in place under which this can be done. In short, loan conversion is not possible and no relief is available to some of the longest-paying borrowers in the student loan system.
Product: Credit card or prepaid card

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that XXXX Credit Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau was reporting inaccurate information on JPMCB CARD SERVICES. Also, I tried contacting the XXXX Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 
JPMCB CARD ***** Opened Date XX/XX/XXXX Balance {$510.00} JPMCB CARD ***** Opened Date XX/XX/XXXX Balance {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of Identity thief. I have inquiries on my credit report I don't recognize. Please delete these inquiries from my credit report. 

5inquiries These lenders have accessed your credit file : XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$6700.00} XXXX XXXX Balance : {$4500.00} XXXX  XXXX Balance : {$6500.00} XXXX  XXXX Balance : {$6500.00} XXXX  XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

XX/XX/XXXXXXXX  I was investigating an XXXX video charge on my XXXX XXXX account. I XXXX  the phone number for XXXX on the internet. When I called, I was transferred to what I thought was XXXX  fraudulent department. The perpetrator was cunning and forceful making me believe there were pending charges on my account, and they had been trying to reach me. He had me download software on my phone and told me I shouldnt use my computer because of fraud attempts on my account. Unbeknownst to me, it was software that he was able to see everything I was doing on my phone. He then had me transfer {$3200.00} to a family member in my CashApp  account, then told me to request that they send it back to me. I did as he requested. He transferred the money that was sent back to my Cashapp  account to his account. 
When I realized something was wrong, I notified my bank to freeze my account. By than the perpetrator tried unsuccessfully to withdraw money directly from my bank account via XXXX. 

My identity was compromised ( social security, address, name ). 

Cashapp  provided the perpetrators bank, time of transaction, and amount, and last 4 digits of account number after many chats. They suggested I do research. I did the research by contacting the bank with all the necessary information for them to identify the perpetrator. The perpetrators bank was very cooperative. They took all of the necessary steps regarding fraud intervention. They froze the perpetrators account and said they will refund the money into my Cashapp account. They need a letter of indemnity from Cashapp to refund my money.

I dont have the perpetrators information because of privacy.

I have written Cashapp numerous times via their chat system and they send me the same automated response that my claim is denied because of Cash Out status. Cashapp is not responding to my request to escalate my claim to the fraudulent or legal department, regarding the requirements from the perpetrators bank, to have my money returned to me. 

On XX/XX/XXXX contacted Cashapp via chat regarding claim. 
On XX/XX/XXXX contacted Cashapp via chat regarding claim. 
On XX/XX/XXXX Cashapp  provided information of transaction to perpetrators bank account. 
On XXXX spoke to perpetrators bank regarding claim. 
On XXXX spoke to perpetrators bank regarding letter of indemnity. 
On XXXX notified Cashapp regarding requirement of indemnity letter. 

Thank you.
Product: Debt collection

LVNV has sent letters to me on behalf of my ex husbands debt. I just recently figured out it was an old debt he had. Not me. They have listed it as my debt on my XXXX credit reports. Ive disputed on all. I just disputed at XXXX again. Its still there. I received a letter at my house from LVNV that was shocking. It said that it would not show me proof that the debt belonged to me because it stated that I hired a XXXX party company to fight the debt for me. This is very untrue. I wrote the letters and handled disputes all myself. I may have already sent this previously, but cant be certain. I have determined it was my ex husbands debt bcs they sent a letter with his name telling the money he owed credit one in the amount of {$630.00} but the LVNV company was taking over his debt. Can you pls help me to make them remove this unfair debt placed on my credit report. For sure its on XXXX. Maybe the other XXXX bureaus also. I have a copy of the letter that stated they wouldnt provide proof to me. I have never see anything like that in my life. Here is the name and address Lvnv FUNDING LLC C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX I dont have an account under but it was under my ex husbands name. 
XXXX XXXX XX/XX/1981 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is his information. 
Pls help me. I am at work but can upload the letter tonight that shows its his debt from XXXX XXXX.
Product: Credit card or prepaid card

A credit card with capitalone which I had for 13 years was closed due to inactivity without warning. As this affects my credit score based on length of account history I requested that the reopen the card. They claim they can't and have been pushing me into new cards.
Product: Checking or savings account

On XX/XX/year> there were withdraws on an ATM of {$500.00}, {$500.00}, {$500.00} my maximum withdrawal is {$500.00} confirmed by XXXX XXXX Branch manager. He then went on to give me a customer service number that totally gave me the run around. On top of all that they charged XXXX  XXXX dollars on ATM charges from a store ( XXXX ) that does not charge me it's free Truist has no right to charge {$3.00} a pop. They never told be about this. I want to talk to someone who will not lie or blow me off. The people at Truist are obnoxious and being a banker for 35 years I am very offended by their attitude it's unbecoming a bank employee. They still have not been able to supply me a permanent ATM card I have requested 4 times now. They should be held accountable for their arrogant behavior