23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have made over XXXX payments on my student loans and have been employed in nonprofit ( public schools & state universities ) for over 25 years. I have detailed records of being advised against XXXXXXXX XXXX. Once in the XXXXXXXX XXXX I had forbearances added to my account without my knowledge because I took graduate classes ( this automatically prompts the system to add a forbearance ) so I have payments that were made that will never be counted against my loan. After 25 years I still owe over {$10000.00} and have only XXXX payments count as qualifying for the loan program despite making many more payments. The current provider ( Mohela ) has several inaccurate things on my account which I have been unable to correct. These include saying that the loans are waiting to be consolidation ( have been consolidated over 5 years ), saying they are waiting for employment certification ( I have records of submitting the appropriate documentation ) and they sent me a letter that my account was being processed and my request for discharge would be answered in XXXX business days. It has been over 70 days and I have no correspondence. They have no mechanism to talk with an account XXXX. I have waited on hold for hours, been cut off several times and have had customer service agents run me in circles and then hang up. I have detailed notes on everything and am often reduced to tears because of the situation. I don't know where to turn or who could help me. My loans just keep rising due to being from the early 1990 's and having high interest.
Product: Bank account or service

Dear XXXX XXXX ( CEO of Ally Bank ), If you happen to read this comment, I want you to know that your customer service/retention is awful. My husband and I over nighted several checks written and signed to both of us and instead of depositing them into my account, a representative of your company gave us the run around and ultimately referred to your companies policy to deny a deposit for any reason. XXXX, what is the point of having an online bank if I also have to have an account with a brick and mortar bank to have checks deposited? I now have to wait on snail mail ( during the busy holiday season ) to receive our checks back and then open a brick and mortar bank account just to receive OUR money from these checks. As soon as it is possible for our family, we will be withdrawing our money and direct deposits from your bank and closing our account as you clearly are not a customer friendly bank. Get it together as the CEO of this company XXXX.
Product: Credit card or prepaid card

I have XXXX credit cards with Capital One. My cards have been paid in a timely fashion. Even while I was negatively impacted financially due to COVID-19, I paid timely for longer than I could. I was finally provided an Accommodation by Capital One for both accounts : Forbearance & deferring payments according to the CARES Act for COVID-19 pandemic which is retroactive to XX/XX/XXXX. 
Capital One has failed to comply with FCRA requirements and has reported to CRA late for two 30 day and increments XX/XX/XXXX, XX/XX/XXXX for one of my accts, 30 days late XX/XX/XXXX for the other account. 
I have spent time and numerous efforts to correct the inaccuracies on my credit reports. Irrespective of providing proof of accommodation as well as payments, the items have been not been removed. After I paid to have rapid rescore done and extra month of later was added for one of the accounts, further decreasing my credit scores and payment status. 
This patch is negatively impacting my credit reports, ability to place myself in a better financial position with lower interest rates, increase my credit limits with Capital One and other credit cards I have and the like. 
I have paid twice for a rapid rescore, promised the derogatory information being reported would be removed and even this has fixed the problem only temporarily. 
I am responsible with my credit and finances ; the CARES act for COVID-19 accommodation should be properly applied in this circumstance. I need this permanently removed. Thank you Capital One.
Product: Credit reporting or other personal consumer reports

I've raised several disputes concerning accounts that aren't mine, but they continue to appear on my credit report. Additionally, I've filed multiple FTC Reports regarding these incorrect accounts. Despite legal obligations, these companies have neglected to address the disputes appropriately. 

Account Name : 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

XX/XX/XXXX - My card is fraudulently used on a {$3.00} charge to XXXX XXXX XXXX. I didn't notice because I had never once used this card and never set up autopay. 

XX/XX/XXXX - I prequalify to buy a home ( Attachment 1 ). 

XX/XX/XXXX - I receive an email from my XXXX credit card monitoring service ( Attachment 2a ) notifying me that a 120-day overdue balance has been added to my credit report. I check my report and see the {$3.00} overdue balance and immediately log into XXXX and pay the balance plus interest ( a grand total of {$6.00} ) the same day ( Attachment 2b. 

XX/XX/XXXX - I get a home under contract ( Attachment 3 ), but two days later on XX/XX/XXXX my VA lender informs me my credit score has nose-dived to XXXX due to the late payment hitting my credit report ( Attachment XXXX ). My XXXX score was in the XXXX range on XX/XX/XXXX ( Attachment XXXX ). 

XX/XX/XXXX - I call XXXX and report the {$3.00} transaction as fraudulent ( CASE # XXXX ). They pass me back and forth to a few departments and tell me I'll receive a letter with the results ( Attachment XXXX ). The same day I received a letter from XXXX saying the case had been resolved in my favor, and they credited the {$3.00} back to my account ( Attachment XXXX ). 

XX/XX/XXXX - I create a TransUnion account and dispute my late payment history since the Fair Credit Report Act forbids reporting derogatory information resulting from fraud. I received the results on XX/XX/XXXX, but the late payment history was still there, so I disputed again on XX/XX/XXXX and received the same non-result on XX/XX/XXXX ( Attachment XXXX ). Same thing with XXXX and XXXX but only XXXX dispute each. 

XX/XX/XXXX - XXXX VA mortgage application is declined ( Attachment XXXX ). 

XX/XX/XXXX - After multiple extensions, the seller terminated my contract, and I lost {$5200.00} in earnest money, inspection, appraisal and other fees ( Attachment XXXX ).
Product: Vehicle loan or lease

I paid my car off on XX/XX/2022. JP Morgan Chase Auto Finance has acknowledge this when I call them and the automated system says this. Per Texas Law they have until XX/XX/XXXX ( 10 business days ) to release my title. They have failed to do so. Chase gives me different answers each time I call. Twice I was told it was not done ( on XX/XX/XXXX and XX/XX/XXXX ) and would not be done until XX/XX/XXXX. That is unacceptable and Chase is refusing to help. Account number : XXXX VIN : XXXX Please assist. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Ive contact XXXX about 10 times to have these injuries removed and for some reason they haven't, not there is a new injuries on my account not understanding why they will allow if I and fraud alert on my account. please remove these injuries off my report XXXX XXXX ONEMAIN XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 financial 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 CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. I have been scammed before for a new place I was gon na live it and lost over $ XXXX in Zelle XXXX XXXX years ago.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, a third party was able to access my device and make unauthorized transactions to transfer money to themselves. Although I responded to this transaction swiftly and opened up a dispute the same day, the company claimed they offered no protection against this kind of transaction. On XX/XX/XXXX. after 7 days of investigation, they ultimately decided to offer no assistance in helping me recoup my losses.
Product: Mortgage

We had been in constant communication with Bank of America through our account Manager XXXX, who was working on A loan modification with us. As of XX/XX/XXXX we had made a house payment so we would keep only 5 months behind and the arrears amount would not get any bigger. Bank of America accepted our payment and told us we were coded to make payments. On XX/XX/XXXX our circumstance changed and we were not needing the loan modification, and talked to XXXX on this day to inform her would like to bring balance current as well as current month. She sent me to the payment area of Bank of America where they gave me wiring instruction for XXXX XXXX XXXX XXXX to wire to Bank of America in the amount of XXXX. I set that up that morning at XXXX.. At XXXX was notified by XXXX XXXX that the wire was not accepted wrong beneficiary, I call bank of America, they went over the wire instructions and also informed me I had to pay XXXX.. So I called XXXX XXXX XXXX XXXX set up the wire again for the new amount of XXXX which is what my loan modification paper said plus a fee fromXX/XX/XXXX and XX/XX/XXXX house payment. Bank of America received the funds on XX/XX/XXXX and are sitting on it. On XX/XX/XXXX I received a letter from a attorney and called there office and was told that they received our information on XX/XX/XXXX and  advised that I had brought this current and was told that would have to talk to Bank of America, and they will advise our office.When I called B of A, they said that I needed to now pay the attorney fees, I am disputing this because, I paid this and was not told that my account was going to attorneys when I made my payment and was told what I needed to pay which I did. I supplied documents that show what I owed at of XX/XX/XXXX, as well as balance with the forebearance plan, the wire coming out of my account. In XX/XX/XXXX we could not do the forebearance because of the payment was more then we could afford because they used my large deposits which were from my 401kand stockes in XX/XX/XXXX and XX/XX/XXXX to keep my mtg current, but they counted it as income. We were starting a new modification plan which I had till XX/XX/XXXX to submit the documents, but ended up being able to bring mtg current on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XX/XX/2022, to remove personal information that I do not want on my credit report. Here is my tracking # XXXX. 
According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : My name is XXXX XXXX XXXX. I mailed off a copy of my ID and SSN Card for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My USPS tracking numbers are XXXX  XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX The accounts are listed as follows : 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 If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these.

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I walked into a jewelry store named XXXX in XXXX XXXX XXXX, XXXX. On that day, I purchased four 14-karat solid gold chains from the retailer. The salesman indicated that the jewelry was 14-karat solid gold and also wrote it in print on my receipt. I used my XXXX card ending in # XXXX to purchase the 4, 14-karat solid gold chains for a sale price of {$6500.00}. XX/XX/XXXX I found out that none of the 4 chains were gold. Since XX/XX/XXXX I have been in contacting my card card Capital One regarding my dispute. Capital One did a poor job disputing my case. I was informed by a Capital One employee that they have NOT been in contact with the jewelry store just with the bank. And I have yet to receive all this so called information the merchant is sending that Capital One feels is valid to close my case. I was promised 14kt solid gold for {$6500.00} and I did not receive my promise goods. I was clearly scammed and I have more than enough proof to prove these chains are not gold. Also the statement from the merchant 's bank stating I was sold other items makes no sense. They are lying I have the receipt showing the four items I was sold. I do not understand how my credit card Capital One which I've had since XXXX and Visa don't see the problem. I was sold fake gold, period. I have all the proof and also I was scammed and lost {$6500.00}. The reply from Capital One dated XX/XX/XXXX makes absolutely no sense.
Product: Debt collection

I was told by this company that I needed to set up a payment with them in order for my loan not go into default. I did I set up $ XXXX  monthly only now to be told that my payment plan was cancelled after the making the first payment. I requested a refund only to just be told NO without any reason because I shouldnt have them and the original creditor also.
Product: Vehicle loan or lease

I purchased a XXXX XXXX  XXXX  from Honda financial services back in XXXX and had one late payment in XX/XX/XXXX. In the 7 years I've been with them I've only had one late payment, I've sent out goodwill letters in XXXX and XXXX to forgive my late payment and I never received any information from them. I recently called and the representative said they came up with their decision back when they received my letters but I was never notified of any decision until now!
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these inaccurate accounts and unauthorized inquiries ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or REMOVAL of the following erroneous information on my credit report : 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter fro m Speedy Cash  around the end of   XXXX   indicating I defaulted on a loan. I never applied for a loan. I immediately call ed Speedy Cash after r eceiving the letter and they told me the money was direct deposited into a checking account. It was n't my checking account. The agent then looked at the account information and the security questions were not answers or anybody I knew. Based on the answers it was somebody else that I knew. This person called  Speedy Cash and with my permission paid/settled on the balance. I was told the negative reporting wo uld be removed. I even received a letter in RR mail shortly after this other person made the payment.  <P/> Now the item is showing on my credit report and opened for the full balanc e. I called Speedy Cash today and they told me to file a complaint with the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with XXXX regarding several extra credit Union accounts thats reporting on me credit and I requested Verifiable Proof ( an original Consumer Contract with my Signature on it ) and method of verification and they failed to provide me with these things.
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 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 has violated my rights. 



15 U.S.C States I have the right to privacy 15 U.S.C It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681s-2 Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.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: Vehicle loan or lease

Wells Fargo charged exorbitant interest fees on my XXXX XXXX XXXX XXXX from XXXX until XXXX when I finally paid it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX. I am writing in regards to my credit report. Information listed in file has been listed incorrectly. In response to these incorrectly listed items I am asking that they be deleted. I am a victim of identity theft and I did not make these changes. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies Federal Trade Commission 's Identity Theft Affidavit. Please delete these items as soon as possible.
Product: Debt collection

I received documentation that I have been sued in a court of law for a debt I didn't incur and have no knowledge of whatsoever. It is my name, my address however I don't have credit cards nor have I had credit cards. 
I was out of state for the winter and came back to this. I want to know where were the statements mailed for this because this is the first time I ever heard about this debt.
Product: Debt collection

First Point Collections Resources, Inc contacted me in XXXX 2015 regarding a debt I fully dispute. I notified them in writing on XXXX XXXX, 2015 that I disputed the debt, that I would never under any circumstances pay the debt, and to never contact me again. Since that debt First Point has made repeated telephone calls to my home regarding this debt, including one tonight ( XX/XX/XXXX ) at XXXX. These constant phone calls are harassment, and I want them to stop immediately.
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 effectively measures to prevent and address fraud on their platform, leaving my account, vulnerable and unprotective furthermore, the dispute resolution process was unfair and deceptive as they do not comply with error, resolution requirements under the electronic fund transfer at EFTA in regulation E these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
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 consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX 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: Student loan

I paid off my student loans in full. Then, I applied for federal student loan relief and was issued a check by the us department of treasury as loan forgiveness. A few months later, Ed financial began requesting repayment. How can I owe payments when I already paid off my student loans in full?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is a company who engages in mortgage fraud and deceptive business practices. 

Since XX/XX/2020, all mortgage payments have been paid on time, however this company has continued to report missed payments and an increased mortgage balance. 

On XX/XX/2020, I received a credit alert from Experian indicating that my mortgage balance increased almost {$3000.00}. No payments have been missed and I did not request any mortgage assistance under the XXXX XXXX relief program. In fact, I specifically sent written correspondence to XXXX that I did not seek any such assistance and that I expected my payments to be reflected as paid on time. 

XXXX is a crooked shady company and has been the subject of a several consumer fraud lawsuits. This company needs to be investigated by federal and state agencies. ( please see the attached alert ). 

This company continues to violate the Fair Debt Collection Practices Act. 

I can produce a cancelled check and/or bank draft for each and every monthly payment