23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Aidvantage does not provide the " pay-off '' amount in their description of loans, making it difficult to pay off a loan. I thought I was set to pay off a loan in my XXXX payment, however, I didn't correctly account for the last month 's interest ( because, again, this is not displayed on Aidvantage 's website ), so there is now {$0.00} outstanding on that loan. Not a huge deal, BUT ... 2 ) When I went to double check my autopay for the upcoming XXXX payment, I noticed that my other two loans with larger balances were set to be paid in XXXX, however the final {$0.00} on the 3rd loan was listed as not eligible for autopay enrollment because the balance was below {$50.00}. I received no communication about this -- no email, no message in the communications dash on the Aidvange website, nothing. If I didn't neurotically check my autopay monthly ( which is exactly what autopay is supposed to relieve you from doing ), I wouldn't know that the loan had been unenrolled from autopay and I would miss XXXX payment on that loan. This policy ( which is not disclosed at any point during autopay setup ) means that if any payment reduces a loan to below {$50.00} without paying it off entirely, the borrower is highly likely to miss subsequent payments, since a reasonable person assumes that if they've enrolled in autopay, their payments will be withdrawn automatically and if there is any issue with that, that they will be alerted promptly to rectify the situation. ADDITIONALLY, while on the site, I noticed an alert that my autopay would no longer be treated as overpayments. AGAIN, I received no communication about this policy change. When I called Aidvantage customer service about this, the representative was uninformed and unhelpful. She couldn't tell me whether there was even supposed to have been a communication about these policies, she couldn't direct me to any disclosures or information about these policies that I would have been able to see in advance of them affecting my account, and she was unable to provide any channels for complaint or resolution. I have previously complained that Aidvantage 's site navigation, communication, and the accessibility of their language is extremely poor. I believe this to be by design in the furtherance of tricking borrowers into paying more in interest and fees by setting us up to miss payments and changing our elections to pay off loans sooner without notice.
Product: Credit reporting or other personal consumer reports

Please note that this is my SECOND WRITTEN REQUEST. I SEND THE FIRST LETTER [ XX/XX/XXXX ] I have been contacted the CREDITORS BELOW AND THEY HAVE NO PROOF THAT I INITIATED SUCH INQUIRIES, NO WRITTEN AUTHORIZATION, and have provided no permissible purpose. Since they have no authorization from me, either written or verbal, THIS A VIOLATION UNDER FCRA Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify ( by physically verifying the original signed consumer contract ) each and every INQUIRES you list on a credit report. Otherwise, anyone who pays for your reporting services could fax, mail, or email a fraudulent account.

The unverified items listed below remain on my credit report in violation of Federal Law. The FCRA requires you to have a copy of the original documentation from creditors on file to verify that this information is mine and correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly. '' Who verified these accounts? 
You have not provider me with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to inmediately DELETE all information that can not be verified. 


The following inquiries are not authorized : XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian
Product: Debt collection

Upon relocating to Alabama for work I rented a property from XXXX Properties. My rights were violated because I was informed that the deposit was {$2000.00} so I signed the lease and paid {$3600.00}. I was given permission by XXXX XXXX XXXX XXXX XXXX Properties to have access to the property prior to moving in to paint the XXXX XXXX pink and canary yellow walls a neutral tan color. I was told the carpet and house would be professionally cleaned prior to move in and neither was done. XXXX informed me that I would not be responsible for the cleanings on the way out verbally and in writing. ( 1 ) I found out during my research that it is illegal in the state of Alabama to charge more than the monthly rent for the deposit. I called XXXX XX/XX/XXXX to find out what my options were for ending the current lease and they told me that they find someone to sublease the property. Lease was signed in XX/XX/XXXX started in XX/XX/XXXX and I went to California to assist my daughter XXXX XXXX with the birth of her twins. XXXX kicked in and I was stuck in California. I had my nephew taking care of the property and yard while I was away. When XXXX found a tenant I paid someone to pack my belongings and my son drove my belongings to California. My nephew swept the house clean and we did a facetime video before he turned the key in. The house was left cleaner at moveout than it was prior to move-in. There was a major storm between the time the home was vacated and when XXXX visited the property. I received a call from XXXX informing me that the house was trashed as I knew this was not true I asked them to send me proof. I received pictures of the same spots I sent them upon moving in after I cleaned the carpet 3 times with my XXXX. Through email I received a list of charges after 4 years of normal wear and tear I corresponded with XXXX in an attempt to resolve this and was informed I would receive a call from the owner the next day ( XX/XX/XXXX ) and the next call I received was from a collection agency ( XX/XX/XXXX ) XXXX XXXX who first misrepresented themselves by telling me they were attorneys representing XXXX. I sent XXXX XXXX XXXX XXXX the documentation and pictures I sent XXXX explaining why I wasn't obligated to pay the charges and they told me they basically had nothing to do with that and XX/XX/XXXX they reported the inaccurate information onto my credit file. All communications was done through email with the owner 's secretary. They were given my forwarding address several times, but I never received anything in writing by mail informing me of the retention of my security deposit within the 60 days allotted by law according to Alabama landlord/tenant laws.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I identified incorrect information that requires immediate correction. Below, I detail the inaccurate data that should be removed, along with the correct information that should appear on my report : ________________________________________ Incorrect Information to Be Removed : Incorrect Names 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: Debt collection

XXXX XXXX in care of Lobel Financial, is constantly harassing me about a complaint from me to CFPB about Lobel Financial.After your investigation into Lobel, I contacted them to resolve the issue.They said that they had written this Car off.Because I was calling to get the amount what I owed to pay off They said it was written off as a lost.I told them to come and get the car, they said they didn't want it I parked the car for months they never came and got it.Because the car was never any good and they had lost money to the car dealer and so did I.Now they send XXXX to harass me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$720.00} XXXXT XXXX {$1000.00} XXXX XXXX XXXX XXXX {$680.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting inaccurate, false, and misleading information on a collection account on my Equifax credit report. A collection agency should not be reporting a collection account 120 days late as the current status. I did not open an account with the collection agency, they purchased the bad debt. 

Purchasing a bad debt does not make them the original creditor. Only the original creditor can report me as 30, 60, 90 or even 120 days late. Monthly status codes related to delinquencies do not apply to collection agencies. 

The collection agency should be limited to reporting information such as : Date the collection account was opened The original amount owed along with the current balance and whether the account has been paid or unpaid No monthly delinquencies should be reported.
Product: Credit reporting or other personal consumer reports

I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of XX/XX/XXXX, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. XXXX XXXX XXXX XXXX XXXX XXXX certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Credit card

The fraudulent charge was made to my account XX/XX/year> in the amount of {$2000.00} from XXXX XXXX. That same day, I received a text asking if we recognized the charge and immediately responded NO. The charge went through anyway. I have called and emailed disputes to this charge. On XXXX I emailed Goldman Sachs with my supporting information that the charge is not legitimate. For the 3rd time they have found the " charge '' to be valid and put it back on my card. Today, XXXX I have called and emailed Marcus by Goldman Sachs again disputing the charge, the dispute number is XXXX. I have no history of disputing charges and have been a regular and timely payor. Today 's contact did not offer what supporting information they are using for this charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir, As per the Experian credit report dated XX/XX/2018, I observed that there are several fraudulent inquiries in my credit report. I do not have any business with XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, GA XXXX ), these are fraudulent inquiries, fraud and misrepresentation, which were not authorized by me and also without my notice and consent. 
I have no idea, what this company XXXX XXXX XXXX stands for, why did they do inquiry in my credit file, which are associated to my name, address, social and various identification details. I do not have nay business with XXXX XXXX XXXX XXXXnd any inquiry on name, social, address and various identification details are considered fraud, crime, misrepresentation and identification theft. 
Could CFPB direct Experian to explain the reasons in written letter for these fraudulent inquiries dated XX/XX/2018 of XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, GA XXXX ). Could CFPB direct Experian to answer that why did this fraudulent inquiry made when credit file was locked on XX/XX/2018. 
Could CFPB direct Experian to remove these fraudulent and disputed inquiries of XXXXXX/XX/P& C ( Inquired on XX/XX/2018 ) from my credit report, which were not authorized by me and also these inquiries were done without my consent. 
Could CFPB store my this complaints in the data base, FBI records, FTC records, crime, identification theft and misrepresentation/fraud activity records. I do not have any business with these XXXX XXXX XXXX and fraudulent inquiries for last 12 years. Also, Experian credit file locked on XX/XX/2018 and there should not be any fraudulent and unauthorized inquiries in my file. I do not have any business with XXXX XXXX XXXX for last 12 years, they are harassing me and doing fraudulent inquiries in my file using my name, social, address and various identification details.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3500.00}, {$3200.00}, {$1500.00}, {$14000.00}, {$4900.00}, {$3000.00}, {$1500.00}, {$1300.00}, {$9600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 


-- OPEN ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3500.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3200.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$14000.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4900.00} -This is not my account. 

6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 


-- CLOSED ACCOUNT -- 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1300.00} -This is not my account. 


-- AUTO ACCOUNT 9. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SSN : XXXX | XXXX : XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Dear Experian : Im writing to dispute the following incorrect information on my credit report. The items I dispute are on the attached screenshots of my credit report. 

Incorrect Personal Information Previously disputed.

- I am requesting that you delete this inaccurate inquiry from my Credit Report immediately and forward an updated copy of my Credit Report after you have corrected this information. 
- By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 
Unrecognized/ Authorized inquiries previously disputed. I know ask for your method of verification for these. Either furnish proper verification or delete these immediately. 
- I am requesting that you delete this inaccurate inquiry from my Credit Report immediately and forward an updated copy of my Credit Report after you have corrected this information. 
- By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 
Lastly, be sure to include the name and address of the Company or individuals who were directly contacted in regards to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

We moved out of the rental with proper notice. This company never sent us an itemized statement regarding move out costs per Nevada Law. They then referred us to a collection agency with an outrageous amount for inflated costs. They refuse to respond to our requests to resolve the dispute or to provide us with receipts showing the alleged costs. It is now on our credit from a collection agency and the only option is to take them to court to resolve. The amounts are ridiculous that they are trying to say we owe and have not provided any proof of the amounts other than their word.
Product: Checking or savings account

On XX/XX/XXXX I called and started a dispute for charges to my account that I believe to be fraud totaling {$1400.00}. On XX/XX/XXXX I got a message in my Suncoast Credit Union app that I didn't see until today XX/XX/XXXX. The message was telling me that they were reversing the credits they gave me back in XXXX when I filed the claim. Today, XX/XX/XXXX Suncoast Schools Credit Union debited my account {$1400.00} and paid the company that I had reported as fraud! I asked why and they said the merchant had proof. When I asked for this proof XXXX, badge XXXX at Suncoast Corp office, told me it would be at least 5 days before they could provide that. XXXX then refused to file fraud claims on the charges again and argued that the charges were not fraud! I am curious who gives her the authority to make this call? Is she the judge, jury and executioner? When I asked for XXXX supervisor, she told me it would be 48 hours for a callback from a supervisor. 
She was rude and refused to let me appeal the banks decision on this fraud claim. I wasn't consulted at all about these disputes and the bank does not have readily available proof of this debt, available to me. They have refused my right to file disputes for these fraudulent charges and wouldn't allow me to close this account or provide me with proof of these charges and furthermore, would allow me to escalate my complaint. Meanwhile they have debited my account {$1400.00}!
Product: Mortgage

Phh mortgage service. I asked about a repayment plan. XX/XX/23. I then asked about a loan modification estimate being that I have became XXXX and struggling to pay my bills. I didnt like the terms. It keeped my payments the same interest the same but increase 10 years to the loan. so i did not agree to it. Spoke with Agent XXXX XXXX. She informed me that the loan modification needs to be canceled and was maliciously put into place without my signature. All is needed is a payment to agree to the terms she told me. And now they wont let me make my regular monthly payment from XX/XX/23. They are getting interest but refusing to let me pay since my last
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX 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/2023 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MD XXXX To whom it may concern : Per 12 CFR 1016.4 Initial privacy notice to consumers required, ( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party.

Per 12 CFR 1016.7, states that, A consumer may exercise the right to opt out at any time.

I am opting out of your Per The Fair Credit Reporting Act, as a Federally protected consumer I am now opting out of any and all authorization, I, the consumer may have inadvertently given you written, unwritten, verbal and non-verbal, per 15 USC 6802. I am opting out of your reporting services to XXXX, XXXX and Experian. 

XXXX XXXX, XXXX XXXX XXXX for XXXX 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 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 not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I ordered lunch on XX/XX/year> from XXXX using Cashapp in the amount of {$65.00}. It was on a Monday. When the driver delivers the food they place it in front of your door and take a photograph of the food in front of the door. Showing it was delivered as proof. The XXXX driver just parked, took a picture of my house from inside her car from the street, marking it as delivered and left with my food, stealing it. The picture then was uploaded to XXXX. The proof is on XXXX app she did not deliver my food the picture provided by them is on the app. I opened a dispute with all the evidence including the picture she took from inside her car from the street. Cashapp denied my dispute and will not help.
Product: Credit reporting or other personal consumer reports

This is my 8th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$830.00} XXXX  XXXX XXXX Balance : {$830.00} ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX Balance : {$1200.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1200.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXXXXXX  Reference # : XXXX