23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
these are the accounts I have marked as inaccurate : XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX {$160.00} XXXXXXXX XXXX  {$1100.00}
Product: Mortgage

I have a XXXX XXXX  Home Mortgage Loan ( Loan XXXX ) serviced by Fifth Third Bank ( XXXX ). I am current in all aspects through XX/XX/20. I called the Bank to take advantage of the XXXX XXXX forbearance program today as the Coronavirus has negatively impacted my business. Fifth Third said they are NOT offering the XXXX program but put me into their deferral program. This is an ENTIRELY different program than the program offered by the Federal Agencies who own my loan ( amongst others of course ). 

Please compel my servicer to comply with this Federal Program. 

XXXX XXXX XXXX
Product: Credit reporting

there are XXXX open accounts with XXXX that were added to a chapter XXXX that should be closed and not on my report.There should be XXXX open accounts on my file.
Product: Debt collection

I had healthcare medical insurance which healthcare provider did not bill correctly for. I attempted to explain this to the credit agency and they were not understanding of the matter. Over the past month the collection agency " California Business Bureau '' has reported negatively to all XXXX major credit agencies.
Product: Credit card

I inquired about getting a new credit card with American Express. The chief reason why I decided to get a card with them is because there was a possibility I could link up the purchases I made on my corporate credit card to accrue points. I asked them specifically if I were to get a personal american express card would points I make with my corporate credit also count. They asked for my corporate credit card number and assured me that this would be the case and that once I got the approved and received the card to call up their points department to link up the cards to gain both point on my new personal credit card and corporate card. I was very specific, stating this is the only reason I am getting a personal American Express card and they assured me I would have no problem doing so. Once I received the credit card I called up Amex rewards and tried to link the XXXX accounts, but was denied. My corporate credit card has a block on points they informed me. I was furious, because I asked them specifically about it and told them that gaining points on both corporate and personal credit card purchases was the only reason I got the card. They lied to me to get me their credit card. I filed a complaint twice with Amex and there has been no follow up over the course of 7 business days. They intenitionally deceived me into getting their credit card.
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and identity theft. As a result, the following unauthorized account has appeared on my credit report. Pursuant to 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and delete this account from my credit report immediately. 
Unauthorized Account : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Date Opened : XXXXXXXX XXXX  Amount : {$1300.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of fraudulent information on my credit report. Upon reviewing my report, I discovered the accounts that are not mine and are the results of identity theft. These fraudulent accounts have already been deleted from the records of other credit bureaus, highlighting the discrepancy in your reporting. I have contacted the banks associated with these accounts via phone call, and they have confirmed that the accounts were fraudulent and have removed it from their records. Despite submitting the required FTC report, the accounts continue to appear on my credit report with your bureau. The presence of these fraudulent accounts tarnishes my credit history and could have serious implications for my financial future. Please remove the accounts from my report : XXXX XXXX XXXX XXXX
Product: Checking or savings account

Good afternoon, I had to pay my XXXX XXXX and made the mistake and used my Citizen 's Bank Account instead of my XXXX banking account. I have banks presaved on my XXXX account and forgot to switch it back to my XXXX banking account. Days went by before I was alerted of my mistake at Citizen 's bank. Citizen 's sent me an overdraft email on XX/XX/2022. On that same day and moment I log into my XXXX bank account and did a transfer funds to my eternal bank for the amount that I was overdrawn. Usually transfers happen on the same day or instantly and I did not think much about it. So thinking that everything was good again, I carried on with life. I am a single mom of XXXX and I am always on the go. Then I received another alert of an overdraft. Apparently they are going to keep giving me an overdraft fee because the money that I transferred into the account did not go in the bank until one or two days after their so called grace time. I called Citizens and was on hold for a whole hour. Phone statements can prove that and the representative was not helpful at all. He would not acknowledge that the money was sent to make my account positive and said that there was nothing that he could do and that the account will just keep piling up with overdraft fees. I can not afford to pay their overdrafts fee, especially when I had sent money over immediately to cover my mistake. I actually do not use my Citizens account since I switch over to XXXX Banking because they do not do overdrafts and have no fees. I even erased my Citizens account off of my XXXX account to avoid ever making that mistake again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get TransUnion to remove the account and inquiries from my credit report because they don't belong to me.
Product: Credit card

Capital one closed my venture card for no reason, I have always paid my balance within a month. I always use less than XXXX % of the credit that they provide me. They pulled my credit a few months ago to open my account, and now they are closing it and this hard credit check shows on my credit files. 
I had over XXXX reward points on the account that I did not use and they just went away.
Product: Credit reporting or other personal consumer reports

Yo Hope you good Im reachin out to tell you I dispute the debt under the Fair Debt Collection Practices Act No need for more proof or documents Im just lettin you know I aint with it If you need to reach me do it by email only Monday to Friday from XXXX to XXXX east coast time Anything else like live calls voicemails or sendin mail through USPS XXXX or XXXX is just too much of a hassle Thanks for gettin me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ;
Product: Student loan

I applied for a SAVE IDR Plan on XX/XX/XXXX with XXXX. I was then directed to XXXX student loan servicing where my payments were supposed to reflect the $ XXXX. I added a PSLF certification on XX/XX/XXXX and then all my loans were moved from XXXX to MOHELA. It took them a few weeks to implement this change and then I logged on to see $ XXXX reflected until I received information I have a payment due on XX/XX/XXXX of {$500.00}. When I access their website my next payment date is not present, but when I log onto XXXX it says I am due on XX/XX/XXXX. I have not received a letter finalizing anything for an amount due this month? When I go into my loan details in MOHELA it shows XXXX different loans showing a " current due '' totaling {$500.00}. This is simply outrageous. Like how should I pay that every month?? I put in another IDR request to MOHELA and they still have not adjusted their error. I put in another direct loan app on their website today XX/XX/XXXX. They have defaulted XXXX of my loans that I can not pay. I am not paying MOHELA a single XXXX till my payments are resolved properly. I have all the proof on my XXXX and have uploaded the original document of my approved SAVE plan online. There is no reason anything should be changing with a PSLF cert. Ridiculous nor should I be waiting for centuries on a resolution that should have never happened when they switched to MOHELA. LOAN SHOULD REMAIN THE SAME ON SAVE PLAN. Please check my XXXX.
Product: Student loan

My federal loans were initially with XXXX and then were transitioned to Mohela. Since the transition Mohela has had inaccurate payment counts and this is important as I am part of the XXXX XXXX loan forgiveness program. After 2 years of going back and forth with mohela and filing complaints through federal student aid they had finally corrected the issue, but then in XXXX of XXXX they transitioned to a new platform on studentaid.gov and once again completely messed up my payment counts. Additionally after this transition they also changed my repayment schedule and changed my income based repayment program from PAYE to IBR without my consent.

Basically by doing this they are ensuring that I won't qualify for loan forgiveness through the XXXX XXXX loan forgiveness program ( PSLF ) by XX/XX/XXXX which is when I was supposed to have completed my 120 payments towards PSLF.

Every time I call Mohela no one is able to give me a straightforward answer and no one seems to know how to correct these issues. Nor do they provide detailed answers to questions in writing even when requested. 

I have attached the document they sent me on XX/XX/XXXX informing me of the changes they made without my knowledge or consent. 

I have also attached another email which previously was sent by federal student aid acknowledging that I had less than 2 years of payments left before I qualified for forgiveness through PSLF.
Product: Mortgage

I had a equity line for the sum of {$40000.00} when i purchased my home thru Ocwen well this was in approx. the year 2001 well it was never disclosed to me that the XXXX XXXX dollar payments a month in the terms was only going toward the interest on this loan. I am a blot naive to real-estate practice and was never aware that this equity line has never went down for the past 20 years the loan was sold to PHH Mortgage within the last year or so, .well I got behind on payments to Ocwen and they tried to foreclose on my property. in which forced me to file a chapter XXXX.well last 5 years I have not missed a payment and my chapter XXXX is complete .I have tried to contact someone at PHH on numerous occasions in which I get thrown from one person to another and never get anything resolved. Now I have been sent a letter that the loan has reached its maturity and they demand that i pay {$37000.00} to them in which is impossible. I am stupid to believe my loan should have been paid off a very long time ago instead I just kept making interest only payments don't know which avenue I need to turn to.at the first of XXXX we were in a pandemic and I went to their hotline and did what I was told to-do well I assumed I was under a forbearance and with no work I could not pay for 4 months they tell me they have no forbearance documented now and this loan has reached its limit. don't know who to turn to feel like I have been taken fully advantage of the last 20 years because of my lack of education and being naive to the real estate procedures? don't know who to turn to for help cant afford a attorneys and feel I have no leg to stand on please direct me in the direction I need to go with this because nobody at phh mortgage has a clue what's going on I get put on hold from one person to another and every person in that company just don't want to deal with me so they either hang up on my call or put me on hold to someone else then get put on hold and the possess starts over in one vicious circle .I operate my own XXXX and I dont have four hours a day to play phone games with them and in the end never get anything resolved. please help
Product: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern regarding the recent permanent limitation placed on my PayPal account XXXX. I believe this decision may have been made in error and I would like to appeal for a re-investigation of my case. 

First and foremost, I want to emphasize that I have always used my PayPal account in strict adherence to PayPal 's policies and guidelines. I have never been involved in any activity that would warrant such a limitation. Therefore, I am genuinely puzzled as to why my account has been restricted. 

I kindly request that PayPal takes another look at my account 's history and transaction records. I am confident that a thorough review will confirm my consistent compliance with PayPal 's policies. It is possible that an oversight or misunderstanding has led to this unfortunate situation. 

I understand the importance of maintaining a secure and trustworthy platform for all users. I fully support PayPal 's efforts in this regard. However, I firmly believe that my account has been unjustly limited. This limitation not only hampers my financial activities but also raises questions about the accuracy of PayPal 's account assessment processes. 

I kindly urge you to consider the impact of this limitation on my financial obligations and activities. If my account is found to have adhered to PayPal 's policies, I humbly request that you reinstate it at your earliest convenience. 

I genuinely value the services provided by PayPal and wish to continue using this platform for my online transactions. I believe in PayPal 's commitment to fairness and transparency, and I trust that this matter will be resolved appropriately. 

Thank you for taking the time to read and consider my appeal. I eagerly await your response and hope for a swift resolution of this issue. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I've been a customer with Exeter Finance for XXXX years I was making my payments on time up till about XXXX months ago when they ( Exeter ) started making it difficult to get into their app. I called them several times finally got thru and they told me " you have to have a computer to login ". I explained to them that I didn't have one just my cell, that was the 1st problem. Found a way to pay my carpayment. So couple of months go by with no issues then I get ready to go back into their app ( Exeter ) and BAM!!!! couldn't get in tried for that whole month then I went to XXXX to see if they could help ( where I bought car ) and they tell me that they no longer deal with them!!!! I was told that I could refinance or sell car I have bad credit now that I cant pay I gave the XXXX a complaint also.They have had a lot of consumers complain about them and I also have read a lot of articles about Exeter. So please can you help I'll send all screen shots too. 
Thank you XXXX XXXX
Product: Debt collection

This is in reference to complaint # XXXX TO YOUR RESPONSE YOU STATED THAT NO CORRESPONDENCE WAS RECEIVED DIRECTLY FROM YOU PIOR TO THE COMPLAINT FILED THROUGH THE CFPB WHICH IS ACTUALLY INCORRECT! I HAVE THE CERTIFIED MAIL RECIPT AND TRACKING NUMBER TO PROVE IT. WHICH IS ATTACHED. DATED BACK TO XX/XX/2021!! IVE BEEN IGNORED YOU DONT HAVE ANY RIGHT BY LAW TO FURNISH ANY INFORMATION ON MY CONSUMER CREDIT REPORT WITHOUT MY PERMISSION. 15 USC 1681B YOU ARE A 3RD PARTY AND I DONT OWE YOU ANYTHING BY LAW. BY LAW YOU CAN NOT STATE THAT I OWE AN ALLEGED DEBT. 15 USC 1692B ( 2 ). YOU FURNISHED THIS INFORMATION WITHOUT VALIDATING THE ALLEGED DEBT WHICH HAS RUINED MY REPUTATION. 15 USC 1692D. I DIDNT ENTER ANY CONTRACT WITH YOU.

YOUR ALSO FURNISHING DECEPTIVE FORMS 15 USC 1692J, WITH FALSE AND MISLEADING REPRESENTATIONS 15 USC 1692E ( 2 ). 

IN MY AFFIDAVIT OF TRUTH THAT HAS BEEN IGNORED UNTIL I PLACED THE COMPLAINT VIA THE CFBP, STATES I AM THE NATURAL PERSON AND THE ORIGINAL CREDITOR.MY CREDIT CARD WAS USED TO ENTER THE ORIGINAL TRANSACTION,15 USC 1602, THAT YOU WERE NOT PRESENT FOR. 

INFORMATION PROVIDED BY THE SELLER TO YOU HAS NOTHING TO DO WITH ME, THE NATURAL PERSON, THE ORIGINAL CREDITOR WHEN I REQUEST A VALIDATION OF DEBT 15 USC 1692G THE LAW ALSO STATES An affidavit unrebutted stands as Truth.

Affidavit uncontested unrequited unanswered ( United States v. Kis, 658 F2d 526, 536 ( 7th Cir,1981 ) ; Cert. Denied, 50 U.S. L. W. 2169 ; S. Ct. March 22,1982 ) " Allegations in affidavit in support of motion must be considered as true in absence of counter- affidavit. '' ( Group v. Finletter, 108 F. Supp. 327 Federal case of Group v Finketter, 109 F. Supp. 327 ) An Affidavit uncontested unrebutted unanswered, Morris v. National Cash Register, 44 S.W. 2d 433 Morris v. National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 that " uncontested allegations in affidavit must be accepted as true ''
Product: Credit reporting

NYS has sent me a letter stating that the tax lien for {$530.00} is being vacated and withdrawn. They stated by sending this letter, the credit agencies are supposed to delete this from my credit report immediately. XXXX and XXXX have been very helpful and deleted the judgement with no problem. Equifax is making this difficult and not deleting it from my credit report. I disputed and sent the required documentation on XXXX XXXX, 2015 and on XXXX XXXX, 2015 they stated its showing satisfied. I highly doubted they went to the NYS courts to verify in less than one day. I spoke to a supervisor and he stated he can not delete it. They are making up all kind of lies stating it has to stay on my credit report for 7 years. The lien is vacated which means it does not exist. 
This is causing me stress as I am trying to get a mortgage and I need this deleted off my report. I fought hard to get this vacated by the state and they did me a favor by doing it.
Product: Money transfer, virtual currency, or money service

I have initiated several transfers from XXXX XXXX XXXX from my joint banking account with Ally Bank. This has been an ongoing situation since XXXX, and I keep getting the run around from both banks. I have called several times and completed all requested inquiries to try and receive the funds back to the joint account. I have worked with over a dozen representatives at Ally bank, finally working with a lady who had directed me to file this complaint to receive the funds back. The lady at XXXX XXXX said the ACH department is doing an investigation and is not getting a response from Ally bank. I was given the following unique transaction codes from XXXX at XXXX XXXX which I then relayed over to Ally Bank, who then, in turn, keeps telling me that this is a XXXX XXXX XXXX problem. They are the ones holding the fund for {$9500.00}.
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, ( 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 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

I am receiving more than 10 phone calls as well as multiple text messages a day from Portfolio Recovery Associates LLC. The phone calls and texts are repeated all day long from very early in the morning to late at night. This is excessive and is harassment as I owe absolutely no debts.
Product: Money transfer, virtual currency, or money service

I am filling 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 Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress from these violations.
Product: Checking or savings account

On XX/XX/2023, I had gotten a notification from Wells Fargo saying if I authorize this transaction of XXXX to reply Y. I opened up my Wells Fargo app to see what was going on and saw a transaction from XXXX. I immediately called Wells Fargo to cancel that transaction but they were nothing but rude saying they couldnt do anything. They made me do a claim, waited 12 days for a feedback and nothing. I got denied because they said I authorized this transaction when I didnt cause it or approve it.
Product: Money transfer, virtual currency, or money service

I am filling out a complaint against cashapp ( Block, Inc. ) due to inadequate customer services and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp 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 Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.