23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I signed up with this company to assist with consolidating my numerous student loans and to assist with The PSLF program. I feel like I was misled after speaking with both of my loan servicers today. I was told by a representative from APEX, that I would have a smaller monthly payment around {$400.00}, and most of my loan would be forgiven. I paid them {$1200.00} in 6 monthly installments, with the last one paid in XX/XX/2023. I had not heard anything from them since XXXX so I sent an email in XXXX to get an update. I was told that a message was given to the rep that was handling my account. I called back in XXXX and requested more information regarding the status and if I could get a letter regarding how much my payment was going to be. I was told my payments were going to be around $ XXXX at this time. I was told someone would be in touch. I did get a request for paystubs so I did send them and received an email they were received. 
I got another email from one of my student loan servers that an income driven application was received, but no income was received so it was denied. I also found out from the department of education that my loans were already supposed to be consolidated so they could be submitted for the income driven application. 
I have been warned I may have been a victim of a scam that was going on last fall with the PSLF applications. The only resolve that I would like is to have this company to stop all actions on my account and refund my money. I will communicate with the department of education and the loan servicer moving forward about this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016, PDQ Services, INC added a derogatory credit report per XXXX. Upon, further research, this account was transferred/sold and am I no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA, PDQ Services , INC has violated my rights as a consumer, and I am requesting legal action to remove this account immediately.
Product: Checking or savings account

Someone from XXXX, TX has withdrawn cash from my personal checking, savings and business checking accounts at four different Chase branch offices in just little over an hour without my authorization on XXXXXXXX XXXX. By the way I live in New Jersey state. Next day, I made multiple calls to report to Chase and visited the local branch office as well to take action against identity stolen. 
Because I was not advised to file the declaration form signed right away from the Chase branch in my town, I ended faxing the forms in the following week on XXXX. In the following week, only one credit was issued out of four and I was explained form the claim check department of the Chase they only had one declaration form in the system. Then, I had to email them the other three declaration forms again on the XXXX and again on the XXXX. They were missing one or two forms every time. I finally had another two credits in the following week. Yet, the last credit was not received until last week. 
While I was waiting for the last credit, Chase bank took {$5000.00} away from the business account on XXXX and I was explained that they dont have the declaration form for that in their system. Now I have again two credits unresolved. 
I was explained from many different Chase personnels that it should take 24 to 48 hours to get into the system once the declaration forms are received and it would take another three to five business to process it and issue a credit back into my account. 
Now it has been almost a month since I lost tens of thousands of dollars. I have not been able to make payments on some of the credit cards and especially I have negative balance in the business account. 
I have provided the four declaration forms four times and every email at the local Chase branch office was confirmed as received excluding the first fax. They keep missing one or two declaration forms still and the process is being delayed. I still have to get {$14000.00} from Chase. Apparently, someone at the claim check department of Chase bank is being negligent and very irresponsible. 
So, here I am filing a complaint. I hope your department help me and expedite the credit process. 
Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I purchased the " XXXX XXXX XXXX XXXX XXXX' mentorship program for {$1800.00} using Afterpay 's payment service. The program was advertised to include : Weekly group calls via XXXX XXXX XXXX  accessible through a private XXXX XXXX and online XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, during my one-month participation, the merchant failed to deliver these services as outlined in the contract : Mentorship Failure : Multiple weekly calls were canceled without rescheduling, and there was minimal feedback or support in the private group. 
Program Inaccessibility : Course materials contained errors, and my questions went unanswered, making it impossible to complete the course. 
Removal from XXXX XXXX : After expressing dissatisfaction, I was removed from the private XXXX XXXX, limiting access to promised resources and group interaction. 
I contacted the merchant to address these issues. The merchant admitted to failing to provide mentorship due to " internet issues '' but refused to issue a refund, citing a no-refund policy. This policy is void due to their breach of contract. 

Actions Taken : Dispute with Afterpay : I filed a dispute with Afterpay, providing evidence including the signed contract, emails with the merchant, and screenshots of the XXXX XXXX 's inactivity. Despite this, Afterpay ruled against me, stating that the merchant fulfilled their obligations " in line with our agreement. '' Afterpay 's response ignored the contractual obligations breached by the merchant and failed to address the evidence I provided. 
Afterpay 's Terms of Service : According to Afterpay 's Terms of Service, they provide services that allow merchants to offer consumers the ability to pay for goods or services in installments. 
AFTERPAY However, they also state that they are " unable to help with queries about returns/cancellations or modifying existing orders. '' This indicates a limitation in their dispute resolution process, leaving consumers without adequate recourse when merchants fail to deliver services as contracted.
Product: Credit card or prepaid card

ON XX/XX/2021 I purchased merchandise on XXXX and the source of payment was " Paypal Credit ''. I have not received the merchandise and i believe the merchandise is lost in transit ( see attachments ). I should had done received the order by now. I Believe the merchandise advertisement was a scam to begin with. So I have asked for a refund in the amount of {$19.00}. I have sent the seller messages to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY fcra violations not mine all listed on all : XXXXXX/XX/XXXXXXXX potentially negative icon Potentially Negative StatusAccount charged off. {$16000.00} written off. 
Account TypeCredit card Balance {$16000.00} Date OpenedXX/XX/XXXXDispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$810.00} written off. {$810.00} past due as of XX/XX/2021. 
Account TypeCredit card Balance {$810.00} Date XXXX Dispute XX/XX/XXXXXXXX potentially negative icon Potentially Negative StatusAccount charged off. {$3600.00} written off. {$3600.00} past due as of
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  has violated my rights. 

I looked at my Transunion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My father passed XX/XX/2019. He and the woman he lived with are on the loan. Court records indicate that the woman signed the deed over to my father. The woman was also incarcerated and is now in a care center. She has a guardian ad litem and a lawyer ad litem who have not communicated fairly with me. I was unaware of the status of the home. The mortgage company, Quicken loans, aka rocket mortgage, after several attempts of sending in documentation they asked for havent worked with me. This has been going on for over a year. Meanwhile the loan continues to fall in dept. The house, my XXXX house, my home is now facing foreclosure. I have the ability to pay the monthly mortgage and have been paying the utilities since my father passed. Please help me save my fathers house.
Product: Credit card

I applied for a Chase Sapphire credit card. Chase denied my application. The reason given was I had received too many cards in the last 2 years. My credit score is over XXXX and I have 20 years of clean credit history. I do take advantage of credit card offers when the rewards offered is equal to {$100.00} or more. I think they denied my application because of this and because I do not carry a monthly balance with any credit card nor do I make cash advances or transfer balances. I think this is unjust discrimination. Can anything 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 tal timely and effective measures to prevent are + address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process XXXX 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: Mortgage

I note that I am the homeowner and XXXX XXXX XXXX widow of a XXXX XXXX veteran of XXXX ( XXXX XXXX XXXX and XXXX XXXX employee. On XX/XX/XXXX, I took a {$640000.00} loan ( Option One - Opt XXXX loan ). Subsequent bank is XXXX Bank, servicer sequence is : Ocwen/PHH/XXXX. Ocwen/PHH state that no payment has taken place since the property 's foreclosure status - as of XX/XX/XXXX. However, there is a satisfaction piece dated XX/XX/XXXX, but it was never recorded and has disappeared from the XXXX XXXX Clerk Website in XXXX XXXX, NY. I have a copy of the satisfaction piece ( as well as other data confirming the payoff ( credit repair company was informed by Ocwen in writing that the loan was paid off, and an IRS form stating same ). In addition, all the signatures after XX/XX/XXXX, on ALL paperwork ( including subsequent refi applications/modifications ) are not mine - someone has falsified and forged all relevant signatures, of which I have proof. Moreover, no one has apprised me of any assignments that haven taken place either. I have ALL the forged documents and have come to find out that someone other than myself has attended settlement conferences in my stead - facts that I have apprised XXXX Bank, Ocwen/PHH/XXXX of XXXX but apparently to no avail.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX  XXXX XXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My original mortgage was with XXXX XXXX, and immediately I made the purchase of my home, it was sold to Weststar Mortgage Corporation. This has been the most horrific experience. They are so backwards in everything. I have had issues with them in the past, of them refusing to show detail of new charges, or provide me a simple amortization schedule, etc. 

For the month of XXXX, they suddenly increased my mortgage payment about {$600.00} without warning or a breakdown of the new charges as usual. This increase is too high for me not to have received any detail in the mail or even an email notice of the increase prior to being charged. Their description is to " miscellaneous '' charges. I do not know what these miscellaneous charges are. I have never made a late payment. I do have a direct deposit with them that pays them automatically every XXXX of each month, for the following month 's bill. This way, I have ensured all payments are made on time. This new increase has already been taken out of my account without my consent for the increase. 

As mentioned above, I have previously had issues with this company because they failed to show me detail increases in the past. In the post, I was told the increase was due to additional charges to my escrow account even though nothing has changed. They increased my escrow however they want based on some " estimates '' they have came up with. They failed to explain how their estimates are determined. I have requested for them to cancel my escrow account but they refused even though I paid 20 % down payment and not required to have an escrow account. 

I am requesting a review of their policy. I believe they have been practicing illegitimate business and mistreating customers with limited knowledge of how mortgage works.
Product: Bank account or service

I GOT APROMOTION AND IT WAS A WEBSTER BANK BONUS OF XXXX OR XXXX DOLLARS DEPENDING ON WHICH REQUIREMENTS YOU COMPLETED AND COMPLIED WITH.EXHIBITS SHOW WHAT THEY WERE AND SIMPLY ONE HAD TO OPEN ANY TYPE OF CHECKING ACCOUNT AND EITHER HAVE A DIRECT DEPOSIT, HAVE XXXX DEBIT TRANSACTIONS, OR XXXX BILL PAY FOR XXXX.IF ONE WISHED YOU COULD HAVE A FULL SECOND AVERAGE MONTHLY DEPOSIT OF XXXX FOR XXXX XXXX CARD BONUS MAILED IN 4 TO 6 WEEKS AS THE WEBSTER BANK PROMO PAGE SHOWS AS AN EXHIBIT..OR FOR THE FULL SECOND MONTH HAVE AN AVERAGE BALANCE OF XXXX AND RECEIVE AS ABOVE XXXX BONUS IN THE SAME TIMETABLE. 
I, AS MY BANK STATEMENTS SHOW, MET ALL REQUIREMENTS FOR THE XXXX BONUS BUT NEVER RECEIVED IT.TO MY SUPRISE AND SHOCK I DID RECEIVE A XXXX INTEREST STATEMENT, AS WELL AS THE IRS GETTING A COPY, THAT I GOT OVER XXXX DOLLARS IN INTEREST.I NEVER RECEIVED THAT AMOUNT, PERIOD, AND IT IS TOTALY INCORRECT AND HAS TO BE REDONE.MY TOTAL INTEREST AS MY BANK STATEMENTS SHOW WAS XXXX CENTS, PERIOD.I HAD PROBLEMS OPENING THE ACCOUNT, NOT WITH THE FIRST PERSON I TALKED TO, BUT, THE CONFUSED SECOND PERSON, AND HE FINALLY APOLOGIZED AND HIS NAME AND A RECORD OF THE SITUATION AND WORDS IS INCLUDED IN AN EXHIBIT. I BEGAN BECOMING APPREHENSIVE AT THIS POINT, BUT WAITED TO SEE WHAT WOULD OCCUR AFTER I COMPLETED ALL REQUIREMENTS, FOR THE {$250.00} BONUS WHICH WAS DUE ON XX/XX/2016. THEY STATED IT WILL BE IN 4 TO 6 WEEKS .NEVER GOT ANYTHING AND CALLED AND WAS PROMISED AN EMAIL THEY SUPPOSEDLY SENT TO FIX THE PROBLEM AND NEVER GOT THAT EMAIL AS I REQUESTED OR ANY RESPONSE AT ALL.I THEN SENT ON WEBSTER SITE, AN EMAIL THAT IS AN EXHIBIT AND WAS CONFIRMED THEY GOT IT AND STILL HAVE NOT HEARD A SINGLE SOLITARY WORD OF ANYTHING TO DO WITH THE BELATED BONUS OR THE INCORRECT XXXX.
Product: Credit card

I signed up for a XXXX American Express card which was my first ever from Amex or any company. After reaching the spending requirement of {$2000.00} in first 3 months of membership, I was waiting and did not receive the promotional spending bonus. 

I reached out to Amex about it and told them that I had an email with the promotional offer and my letter in the mail confirmed it too. 

I was then told their backend team would help try to resolve this issue, but I have yet to receive any kind of response. They mentioned it could take up to XXXX billing cycles but it's been about XXXX cycles now ( 4 months ).
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. Remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XX/XX/2023 XXXX - XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

In According with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I recently received a copy of my credit report, and I noticed I had fraudulent accounts on my report. Please remove these accounts from my report as they are affecting my ability to obtain credit.
Product: Mortgage

Had a loan modification because of health problems that 's when everything changed.my loan was a 20 year fixed I have lived in the house 16 years. After the loan modification I pretty much ended up being in debt more than ever. I am just trying to figure out if I have been a victim of a predatory loan.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, especially recently in light of the recent CFPB lawsuit that highlights significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate me claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding indicates that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collection on my credit report on XX/XX/XXXX. A company name XXXX XXXX XXXX stated i owed them {$7000.00}. The account was removed sometime between XX/XX/XXXX and XX/XX/XXXX. Today XX/XX/XXXX a new company for the same debt was readded back to my credit report. No letters sent to me stating why.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XX/XX/2020, I filed a dispute with this credit bureau about the unverified account XXXX XXXX XXXX Account number XXXX. 
In those 2 monthsI have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureau in over 60 days. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX  Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 
4. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.