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

XXXX account were opened in XX/XX/2022 without my knowledge or consent using my name and credit information. My identity has been stolen. 
I contacted the XXXX credit bureaus and attempted to freeze my account to avoid any more theft. 
XXXX XXXX card is for {$23000.00}. XXXX XXXX ) is for more than $ XXXX have contacted XXXX XXXX by phone and was told there was no account in my name. Then the woman asked for my social security number. I refused and hung up. 
I have written XXXX ( XXXX ) about the problem. 
I want these accounts removed from my credit reports.
Product: Student loan

I had my student loans consolidated on XX/XX/XXXX to FedLoans and I also entered to Public Service Loan Forgiveness Program. My recievied notice that my loans were approved as well as my employer certification forms. Only 12 payments are showing as counting towards loan forgiveness although I have made 78 qualifying payments. I was previously told that some of my payments in the past were in " paid ahead status ''. The representative confirmed that this was an error on behalf of FedLoans and that there would be a manual review so I can recieve credit for all my past payments. I have turned in my most recent employer certification form as of XX/XX/XXXX. Despite several inquires my payment count has not changed from the initial payment count prior to the review. Please help. Loan details are listed below. 



XX/XX/XXXX DIRECT SUB CONSOLIDATION LOAN Forbearance {$78000.00} Hide Details Direct Sub Consolidation Loan -  disbursed XXXXLoan Status Loan Status : FORBEARANCE Disbursement Information Disbursement DateXXXX Loan Program : DIRECT SUB CONSOLIDATION LOAN Owner : U.S. DEPT OF ED Guarantor : FEDERAL School : MS Out of School Date : -- Interest Rate Information Interest Rate:0 % Interest Rate Type : FIXED RATE Subsidy : SUBSIDIZED Loan Balance Original Balance : {$74000.00} Unpaid Interest : {$2200.00} Principal Balance : {$78000.00} Payment Information Monthly Payment : {$110.00} Repayment Plan : Revised Pay As You Earn Repayment Term:132 Months Expected Payoff Date:XXXX Due Date Information Next Due Date:XXXX Days Delinquent:XXXX XX/XX/XXXX DIRECT UNSUB CONSOLIDATION LN Forbearance {$270000.00} Hide Details Direct Unsub Consolidation Ln - disbursed XX/XX/XXXXLoan Status Loan Status : FORBEARANCE Disbursement Information Disbursement Date:XXXX Loan Program : DIRECT UNSUB CONSOLIDATION LN Owner : U.S. DEPT OF ED Guarantor : FEDERAL School : MS Out of School Date : -- Interest Rate Information Interest Rate:0 % Interest Rate Type : FIXED RATE Subsidy : NON SUB Loan Balance Original Balance : {$230000.00} Unpaid Interest : {$7500.00} Principal Balance : {$270000.00} Payment Information Monthly Payment : {$380.00} Repayment Plan : Revised Pay As You Earn Repayment Term:132 Months Expected Payoff Date:XX/XX/XXXX Due Date Information Next Due Date:XX/XX/XXXX Days Delinquent:0
Product: Debt collection

XXXX and SUNRISE CREDIT SERVICE ( Original Creditor : AT T/DIRECTV/UVERSE ) result of identity theft These are not my accounts
Product: Student loan

I reached out to Mohela when I noticed my dates of how long I had my federal student loans started in XXXX not XXXX. I reached out to Mohela and asked why and was told because I consildated the loan in XXXX they dont transfer that information over. Well this is crucial to me qualifying for the IDR payment that will wipe out student loans. These adjustments to accounts include conducting a one-time revision of XXXX payment counters to address past inaccuracies and permanently fix XXXX payment counting by reforming XXXX XXXX tracking procedures going forward. Based on the newly eligible months from the one-time account adjustment, borrowers who have reached XXXX or 300 months. My loans started in XXXX not XXXX so Mohela not account for that reduces my months by up to XXXXyears. This is not accurate information and this must be updated immediately per the student loan contract I signed intially in XXXX and XXXX. No where in the contract does it state they will back date my student loans to XXXX and not account for my actual initial loan disbursement in XXXX. I am requesting this be looked into immediately. I also want to be provided a copy of my initial loan documents including application and all signed documents by me from XXXX as well as XXXX that state this information. In addition I want my loan disbursement updated 100 % accurately by Mohela immediately and supplied to the federal loan department so they know my loans are ready to be 100 % cleared.
Product: Credit card or prepaid card

I have a credit card ( VISA ) from Elan, which was issued by the XXXX XXXX XXXX in XXXX, TX. The card always had an interest rate of 9.90 %. On XX/XX/19, I made a purchase of {$5000.00} and one for {$61.00}. I would not have used this card if I thought it had a high interest rate. I was not charged interest in XX/XX/XXXX, but the recent statement had my " purchase '' under a 16.49 % interest rate. I was never informed about the rate change. I called, and after getting nowhere with a representative, asked for a supervisor. He could not explain to me what happened to the 9.90 % rate ( which is still shown on my statements XXXX, and was unwilling to make any adjustments. Under the high rate, the interest amount for just two months is {$140.00}. Again, there was never any notice from Elan about rates going higher.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Writ in the nature of discovery 1. Send me and the CFPB the certified document of the delegation of authority order issued to your company from the congress of the United States Republic North America.

2. Who ever signature is on this Certified order need to send proof of their nationality, proof of their political allegiance, and a DOAO ( Delegation of Authority order ).

3. Why is this instrument presented commanding of me money ; when I have no money?

4. Is your organization foreign for domestic?

5. Send the copy of the branch of government that issued authority to your organization, and the reference number for the certificate conformation.

6. Where can your registration number be verified ( I.e. articles of corporation )?

7. At what juncture did the Constitution establish your branch of government?

8. What is lawful money?

Im giving 10 days for a response. This is all in good faith XXXX : XXXX ( Beneficiary ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX UCC1-308 Without Prejudice
Product: Prepaid card

I called Bank of America which is the issuer of my California EDD Account 3 months ago and filed a complaint telling them that I never received my card. They informed me that a card was activated and all of the money on the account was spent. I told them that this wasnt me. They asked me to send in documents and I did that. I filed a police report and sent in my ID, they told me it would take 90 days to reach a conclusion. So when I called in last week they had no recollection of any of this. They made me start a entirely new case and get a NEW police report. I have now went a year without receiving my benefits because of the incompetence of Bank of America. It is totally unfair for me to have to wait another 90 days to reach a decision. 

Both of my claim numbers- XXXX XXXX
Product: Checking or savings account

I have been trying to use JPMorgan Chase 's website to open a CD account with funds available from my Chase checking account. For the last three days I have been receiving a message stating " It looks like this isn't working right now ''. I called customer service who put me on hold for 45 minutes to transfer me to another representative, who then said I'd have to be transferred again. I ended the call knowing it was going nowhere. 

They are wasting my time, which has value, and preventing me from accessing a product to earn money off my deposited balance. 

Further, the last time I had a CD account with them ( which I was able to open through their website without the issues described above ), upon maturity, the balance rolled into a new CD paying a lower rate. A CD at a different rate is a different product, and an auto-renewal into a different product should be illegal.
Product: Debt collection

Hello, I closed my account with XXXX in good standing in XX/XX/XXXX. Services were deactivated and I was informed that I will not receive the credit for unused service. I had a prepaid no-contract cell phone plan ( {$25.00} plus taxes ) with XXXX and made the first payment of {$67.00} on XX/XX/XXXX. Had a scheduled auto payment and have been billed monthly. The last payment of {$40.00} I made was on XX/XX/XXXX. The account was closed, and my auto pay was deactivated. Unfortunately, XXXX kept billing me and without any notice sent me to the collection agency. I disputed the above with XXXX and Source Receivables Management but have not received any correspondence. According to XXXX, I have an unpaid balance for XXXX, XXXX, and XXXX of XXXX. Firstly, the account was closed in good standing in XX/XX/XXXX. The last full monthly payment was made on XX/XX/XXXX. After service activation, I was billed for two full months in advance. At this point, I do not understand how I can be billed for services never received and for months ( XXXX and XXXX ) I paid for prior termination of my account. This is a XXXX time I am placed with a collection agency, at this point this is harassment. Prior collection entries was removed and XXXX placed me with another collection agency, with a balance of {$200.00} or unspecified balance. Why does the balance of my collection account keep going up? I am looking for help with the abovementioned, as I can not be liable for services I have never received and sent to collections on services I already paid for. I had only a pre- paid cell phone service with my own phone, no agreement, paid two months in advance and I called to cancel the service!
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. Dispute using Zelle numerous times and reporting discrepancies, my financial institution in Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that the tracking these transactions was unfeasible. The CFBS 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. This lack of accountability and transperancy is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am submitting a formal dispute regarding late payment entries reported within the past two years on my credit file. These late payments resulted from unauthorized interference with my financial accounts due to a cybersecurity breach on my mobile device. As they are not a reflection of my financial behavior, I am requesting their immediate removal. 
Issue Summary : I unknowingly downloaded a VPN application on my mobile device. This VPN, intended for privacy protection, contained security vulnerabilities that allowed unauthorized users to access my device. As a result : Unknown third parties gained access to my financial login credentials.

My automatic payment settings were altered without my knowledge.

This interference led to the late payments that are now inaccurately reflected on my credit report.

FCRA & Federal Violations Committed : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable data. Since these late payments resulted from unauthorized external interference, they are inaccurate and must be removed immediately.

Additionally, under FCRA 1681i, I have the right to dispute any information that can not be fully substantiated. The late payments in question do not meet verification requirements due to the nature of the incident.

Furthermore, the Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693g ( a ) states that consumers can not be held liable for unauthorized electronic transactions. Since my account settings were tampered with, these late payments were not my responsibility and should not be attributed to me.

Requested Resolution : I am requesting the following actions : Immediate removal of all late payments from the past two years that were impacted by this unauthorized interference.

A written confirmation verifying that these late payments have been removed.

A compliance review to ensure that my account information is reported accurately in accordance with federal regulations.

If action is not taken to resolve this matter, I will have no choice but to pursue small claims court proceedings to ensure that my rights under FCRA and EFTA are upheld. However, I trust that in good faith, you will follow the law regardless, and I hope this will be resolved amicably. 
Please confirm resolution of this dispute at your earliest convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from XXXX  throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.
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 an 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 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: Debt collection

This company Upstart inform me they sold a account under my name to another company. 

Its mean they sold all my private and or federal personal information like Names and last name, adresses, SSN #, birthday and or phone numers... 

Company like this sold all information of client to other companies...
Product: Student loan

I started paying Navient. They said after 9 on time payments my tax refund would be released to me to file. I had set up automatic payments and they didn't take 2 in a row so I called and payed. They said it wasn't good enough and with held my refund again. Then I get letters from 3 different companies saying the now own my loans and to make arrangements for a lower fee. They tried to raise my payment by {$150.00} a month while I was filling social security XXXX. My loans continue to soar in finance charges and interest. I'm currently filing bankruptcy because I've been undergoing treatment for a type of XXXX XXXX. I'm not sure where to turn I feel as if I'll never be debt free or on track with my student loans before I XXXX XXXX. The interest on my loans has more then doubled the original loan and there is no hope. I received a letter years ago stating I owed {$0.00} on my student loans when Obama took office so I'm curious what happened.
Product: Credit reporting or other personal consumer reports

Equifax has failed to comply with my request to present some proof that I am the person liable for the inaccurate Address being disputed below. I have informed them, multiple times, through letters and calls, that I am a victim of Identity theft. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

Cease and Desist Communication Regarding Charge off I am writing to formally request that you cease and desist all communication with me regarding the debt.which you claim I owe. This letter is not an admission of any liability for this debt but a request for you to halt all communication concerning it. 

According to my records and the relevant statutes of limitations, this debt has been charged off, and it is no longer legally collectible. Furthermore, any attempt to collect or re-age this debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

Therefore, I insist that you : XXXX. Cease and desist all written and verbal communication with me, my family, or my associates concerning this debt. 
XXXX. Do not report this debt to all credit reporting agency and request for deletions to credit reporting agencies. 
XXXX. Do not sell or transfer this debt to any other third party. 
XXXX. Provide written confirmation, within 30 days of receiving this letter, that you have ceased all collection activities related to this debt. 

Please consider this letter as a formal warning that I am aware of my rights under the FDCPA, and I am prepared to take legal action if you do not comply with this request. 

I request that you send all further correspondence related to this matter, including the confirmation of cessation, and deletion. 

Your immediate attention to this matter is expected and appreciated.
Product: Debt collection

Harvard Collection is attempting to collect for a newspaper subscription I never had. It was in the name of my late wife who died in 1991. The claimed debt occurred 14 years after her death. I attempted to explain this to Harvard and they obviously do n't care.
Product: Credit reporting or other personal consumer reports

credit bureaus must ensure accurate reporting of information. If they report incorrect or inconsistent negative information, this violates your rights under the FCRA, specifically Section 611, which requires them to investigate disputes and correct or delete inaccurate data.Once you file a dispute and the information is found to be inaccurate, they must delete or correct it immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute in regards to two Address in NY on my Experian Credit file. Experian came back and said it remains and updated and that suntrust reported these addresses that is not mine.I Called XXXX and they verified that they did not report this to Experian of which this address on.I want this deleted because I have never lived in XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX it is listed on my report twice
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018. My name is XXXX XXXX. I am writing this message in regards to more than several different accounts and inquiries your company is reporting inaccurately. I am disputing these accounts and inquiries as an internal dispute and as fraudulent accounts which you have 3-5 days to correct and remove permanently. I am unaware of the accounts and inquiries youve listed on my credit profile. I demand that theyre removed in less than 72 hours. I have attached a letter down below.
Product: Money transfer, virtual currency, or money service

I am writing to formally express concerns regarding Zelle 's handling of disputes, particularly in light of 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 claims adequately. They informed me that recovering lost funds was nearly impossible and tracking these transactions was unfeasible. The CFPB 's findings incidicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to the same scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety l.
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to bring to your attention an issue regarding a money transfer that I made on XX/XX/XXXX. the transfer was intended for my grandmother. however, it has not been delivered as expected. upon contacting MoneyGram, I was informed that a verification process needs to be initiated, which could take up XXXX  days. regrettably, I can not afford to wait for such a prolonged period as my grandmother urgently requires the funds. 

despite multiple follow-ups, I have been advised to wait due to an ongoing investigation. however, I am growing increasingly concerned as it has been a month without any resolution. I would like to request for the cancellation of this transfer and a prompt refund of my XXXX XXXX.your attention to this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more than XXXX times nonstop this is exhausting im depressed they are not putting these fraudulent inquiries in dispute and accounts and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 90 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers they don't help you at all This was a first step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and negative account its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times in the last 120 days. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help I cant live like this
Product: Mortgage

My husband and I started out with a home mortgage with   XXXX   XXXX   in  XXXX , then it was sold to  XXXX , then to   XXXX   XXXX   XXXX  , In   XXXX   XXXX   we got a letter telling us we should send our payments t o OCWEN Loan S ervicing, and we can not send enough money to these people. They are very unprofessional and have ripped us off so many time we have lost thousands of dollars just to stay in our home.We can no longer substain, this as we both are retired, and living on a fixed income.   XXXX   XXXX  , they sent my check back saying not enough funds.We have tried to refinance and they block us every way we go, so please help us or give us some advice as what can be done with our circumstances. Thank You!