23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Per XXXX Department of Education Subject : Student Loan Discharge Based on Borrower Defense Evidence You have been approved for debt relief under the XXXX XXXX XXXX This is part of the XXXX XXXX commitment to delivering relief to borrowers whose schools engaged in unlawful conduct. 

The XXXX Department of Education ( XXXX ) has determined that the federal student loan ( XXXX ) you received to attend The XXXX XXXX on or after XXXX XXXX, XXXX, and on or before XXXX XXXX, XXXX, are eligible for a full discharge. This means the remaining balance on the eligible loan ( XXXX ) will be forgiven. You do not have to make any more payments on the loan ( XXXX ). 

Your loan ( XXXX ) will be discharged based on an XXXX finding that The XXXX XXXX made pervasive and widespread substantial misrepresentations that borrowers relied on to their detriment. This conduct affected students who enrolled at XXXX  XXXX XXXX  from XXXX XXXX, XXXX through XXXX XXXX, XXXX, when the campuses were sold to XXXX XXXX XXXX XXXX, XXXX. These misrepresentations related to the salaries and employment rates for its graduates and the benefits and connections The XXXX XXXX provided to students and graduates. Because of the pervasive and widespread nature of the misconduct by The XXXX XXXX, XXXX has determined that it is appropriate to discharge the loans made to all students who attended The XXXX XXXX during the time period described above.
Product: Checking or savings account

I keep getting overdraft fees from Navy federal and I also my money that I spend doesnt show up until days later.
Product: Credit card or prepaid card

Someone I do not know hacked my computer and made fraudulent charges on my account and was made on XX/XX/2017.
Product: Credit reporting 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 a FRAUD yet I have an items passed on that should be removed. Per FCRA segment 605 you are expected to eliminate any records recorded on. I've proactively remembered this report for 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 persistent disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I became XXXX and when I contacted Ocwen they put me on a repayment plan but did n't offer a loan modification. I got hospitalized and once released and no longer depressed I contacted Ocwen and the representative told me I could not send in the payment. So, I eventually applied for a modification and each time my application has some how disappeared. But I have been assigned a representative from their company more than once. I have even taken my loan modification application to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida. on several occasions. I contacted to get a pay off and they quoted me XXXX but the attorney representing Ocwen gave a quote just a little over XXXX XXXX. I submitted the loan modification to their attorney XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Experian deleted something on my credit profile and has not been able to get me an updated current credit profile or report since XX/XX/year>. I called several times and they still have not fix my credit report with updated information. They have not corrected and sent me a corrected updated credit report as I requested several times. I request the CFPB to have Experian send me a current updated credit report profile for this month XX/XX/year>. Please follow up and see their response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed inaccuracies with Equifax XXXX. Ive paid my XXXX on time & consolidated the old loans into just two final loans. Equifax has not updated my credit report or made any changes in a year. Equifax will update my credit card payment & utilization for accuracy.
Product: Student loan

I was approved through XXXX in XX/XX/2024 for lower monthly payments. The IDR plan approved $ XXXX payments. Ive been charged by Mohela $ XXXX for XXXX and XXXX says the same. I do not receive communication back from Mohela when emailing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is refusing to update my information with the all 3 Credit Bureaus ( Transunion, XXXX  and XXXX  ). I have reached out to XXXX XXXX  in multiple occasions and requested that they resend the accurate status of my paid off mortgage account # XXXX and they are refusing to do so. 

I opened a dispute on XX/XX/2019 with Transunion whom requested an update from XXXX XXXX  but XXXX replied back with the balance of my mortgage going from {$230000.00} to {$230000.00} which is incorrect. This account has been paid off and the house has been sold on XX/XX/2019. 

I have opened another dispute with Transunion on XX/XX/2019.
Product: Debt collection

They have called repeatedly.3 or more times a day every 6 days of the week. They also email me multiple times a week. I forgot to pay it and when I saw that they called the first time it reminded me. I was at work so I was going to do it when I got off ... .then they called multiple more times that day before I got off and now I just haven't paid because they are irritating me while at work.
Product: Student loan

In XX/XX/XXXX, I spoke with a representative at Navient and explained to them that I needed to put my payments on hold because my husband had been XXXX and therefore my income was the only meand of finances we had for a family of XXXX. I was told by Navient that my payments would be deferred for 1 year. However, in XX/XX/XXXX, I received an email stating my payment was due on XX/XX/XXXX. I called and spoke with another rep to find out why because I was previously told that I did n't have to make a payment for 12 months. I was then told that I was only given a 3 month forebarence and I could apply for repayment options to lower my payments based on my income. This made no sense being that my payments were already based on my income. I needed to defer making payments because I am now down to one household income with my husband not being able to return to work and I am now the only means of income for my family. I tried applying for another forbarence online, but Navient denied me because I work full time. Before I can be approved for deferment, I have to submit my XX/XX/XXXX taxes, check stub, and a letter from my employer. I am highly upset at the misinformation I received and the lack of assistance from Navient.
Product: Checking or savings account

On the XXXX of XX/XX/2022, i deposited {$100000.00} into my Comenity Direct now recently branded as Bread Savings in order to benefit from their high APY of about 1 %. My account has been restricted since XXXX of 2022. Making it over a year since my account has been restricted. I have been calling for over a year now and all i am been told is my account is under review and they dont know how long the review is going to take. Give me my money please it is over a year and this is daylight robbery! I am a XXXX year old woman and i am down with a XXXX. I put all my life savings into Comenity Direct in order to benefit from their high APY. As a result of Comenity Direct restricting my account and denying me access to my money my life has been unbearable for the past year from sleepless nights and skipping on buying my XXXX medication because i just cant afford it. It is unfair how i am being treated by Comenity Direct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, a consumer, natural person, and the original creditor of an open end credit plan, received results back from TRANSUNION that were not in my favor. In TRANSUNION 's response to my CFPB complaint case number XXXX, TRANSUNION stated that " XXXX XXXX  XXXX XXXX verified the account as reported. '' This let 's me know that TRANSUNION did not perform a proper investigation involving this matter. They received this information from a creditor and pursuant to 15 USC 1681a ( e ), factual information obtained directly from a creditor of the consumer shall not be reported on my consumer report. Since this statement let 's me know that their investigation is not valid, this information must be excluded from my consumer report. I've even provided TRANSUNION proof of my inaccurate credit report and a letter from XXXX XXXX XXXX XXXX to delete the late payments and TRANSUNION still chose to ignore this evidence. It is my belief that TRANSUNION has been using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me and my financial reputation. Transunion went over the 15 days required by congress of an re-investigation to send me proof of their investigation and I never received this proof because this was submitted on XX/XX/2022 and I never received a response until XX/XX/2022.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( block, inc. ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act. Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leading my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive and they did not comply with error resolution requirements under the electronic fund transfer act and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

A collection from Jefferson capital systems llc was put on my credit to be exact XXXX and XXXX  as a collection/charge off i have no knowledge of oweing any dept to Jefferson capital systems llc also i didnt receive a 1099 about a charge off im in process of building my credit and this unknown dept has took my credit score down tremendously and by law 15 usc any dept that arrives on your credit that u have no knowledge of without your consent should be removed immediately.
Product: Debt collection

RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.

THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.

My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit-reporting agencies reported this false misleading information on my credit, which goes against the FCRA laws. , I understand that under 15 U.S. Code 1681c2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts. 

I demand that the following account be removed immediately : XXXX XXXX XXXX I know that as the consumer, I HOLD ALL THE POWER. As a ( MO ) 281 SW715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. As a consumer and the one with ALL THE POWER, these inaccurate accounts on this letter must be deleted immediately AS IN ASAP, or I will seek monetary damages in small claims court in my city and state. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, this complaint lists someone that your company should recognize as their customer or their customers authorized representative. THESE INQUIRIES & ACCOUNTS ARE Inaccurate across all 3 Bureaus XXXX Transunion and XXXX. also, I certify that this request to block was made NOT in error, and My request to block information was NOT based on material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or money as a result of one or more of the transactions that I am seeking to block. If I received well and services, then please have a senior executive certify under the penalty of perjury that I in fact received goods and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ).

Also, I request that you send me a validation of all debts according to GAAP, if you can not do that then you must remove it. 

Thank you, XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2020 at XXXX XXXX I went to a XXXX XXXX ATM in XXXX in XXXX Texas with my US Bank ReliaCard to withdraw {$80.00} The first transaction was timed out so it was declined The second transaction said non sufficient funds. When the ATM timed out the money was released out of my account but it did not come out to ATM machine I never got it It timed out and it declined. I called XXXX XXXX they told me to contact my financial institution I saw I called US Bank ReliaCard I was told that they were doing investigation that could take from 10 to 45 days and after 10 days if they haven't investigated it I will receive my money back neither to place. I was told per their investigation that there was no problems with my transaction and which it was a problem on my behalf because I never received my {$80.00} which ruined me and my son 's vacation because we couldn't buy food.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, is a reputable company. They have assumed the position of providing consumer reports for decades now. I find it interesting in this time where I have started disputing some inaccuracies on my report that my entire consumer report profile has gone blank. Nothing being report, whats ever. Is this was we have come to? This is why we dispute the incomplete and inaccurate data. Didn't they just have a data breach in 2017, where millions of consumers were impacted. When I log into my account with Equifax, I am fearful, that when I see the " technical issues '' prompt, immediately I think that my profile has been hacked or worse, my information is now going to be used against me. I don't know what to believe with these companies anymore, my trust with them is shattered. A few disputes and then suddenly account wiped blank and even worse, we have to wait 31 days for an update with Equifax for any relevant information.
Product: Money transfer, virtual currency, or money service

I am having a few worries the way zelle takes care of disputes after the light of the cfpb lawsuit. i have used zelle various times and my financial institution and zelle have failed to investigate claims correctly. I was informed that recovering lost funds was impossible and that tracking was also not possible. the cfpb findings indicate that zelle has neglected to protect us and also allowed repeat offenders to exploit the system and leaving us vulnerable to scams. This lack of accountability is unacceptable and raises concerns.
Product: Prepaid card

VANILLA GIFT CARD IS FRAUD!!!! THIS IS THE 3rd or 4th TIME HAVING TO REPORT THESE CARDS NOT WORKING. CLEARLY THE WORKERS ARE STEALING PEOPLE MONEY AND USING IT AND ALLOWING US TO FILE CLAIMS. I NEED MY MONEY NOW. THIS IS OVER {$200.00} & THEY ARE TALKING ABOUT THIS WONT BE RESOLVED FOR 30 DAYS WHEN ALL THEY NEED TO DO IS SEND A NEW XXXX. 

THE CASE NUMBER THEY PROVIDED ME WAS XXXX!!!! THIS COMPANY IS A FRAUD.
Product: Consumer Loan

I purchased a car in 2000 and it got repossed by Credit Acceptance Corporation XXXX MI.This company waited 16 years later to take me to court and got a default judgement against me.I was unaware of any court date because the company sent all my stuff to the adress from 16 years ago.iI got a call from my bank saying my account was frozen so I called the number and it was Credit Acceptance lawyers telling me I owed XXXX on a XXXX dollar car the rest of the money she said was interest and late fees and it was still incurring.I did a little research and found that car loans in the state of Michigan have a statue of limitations which is 6years.I am low income.I ideel like I 've been a victim of this company illegal actions.Im also unaware of the fact of they repossed the car and probably sold it at auction.Then I suppose to only be responsible for the balanc.This company lawyers are telling me theirs nothing I can do but pay XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

My information is part of a data breach. Unknown accounts appeared on my credit and its hurting my credit worthiness.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint to you today to inform you I that I have been a victim of fraud and that the accounts reporting the Credit Bureaus reporting are fraudulent. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission : XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX  XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$820.00} XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$820.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the fraud, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Dear Experian, I Was Looking At My Credit Report And These Accounts Looks Weird To Me The Last Date Of Activity The Last Date Of Payment The Account Number The Account Balance Everything On This Credit Item On My Credit Report Looks To Be Incorrect Can You Please Delete This Item For My Credit Report Because It'S Not Accurate And It Is Not Complete I Greatly Appreciate You. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from " XXXX XXXX ''XX/XX/XXXX, The call entailed a man requesting a payment from me for a closed, pre-paid truck lease and in receipt of payment he would not damage my credit. 
This prepaid lease was a 24 month lease that ended XX/XX/XXXX and I do have a receipt from dealer and XXXX XXXX  of return of vehicle. 

He was willing to accept less if I paid 'NOW '' I then informed him that my contract was satisfied 6 months prior to his call and that no payment was due or owing. I just received informationXX/XX/XXXX, that my credit reports were updated to reflect missed payment? ( thats an impossibility ) This is my second compliant to the BBB about this company in less then a year now on two major issues. 

Desired Resolution : Correction to a credit report The Credit bureau reports that the last information added to XXXX XXXX was XX/XX/XXXX and sense that date someone added " missed payment 30-59 '' which just appeared on my report XX/XX/XXXX? How is that even possible?
Product: Debt or credit management

ATM dispute with Discover bank that I didnt authorize because I lost my wallet they denied it and I asked them if they pulled the cameras they said no how do I prove to them that it wasnt me they could cameras!! Not sure they judge me by my race or the way my name is but its unfair because I always have a problem filing a dispute with Discover. This is {$400.00}. Were talking about.