23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have disputed these accounts a few times. A few years ago when the XXXX  breach occurred, I checked my free credit reports for all 3 bureaus and noticed XXXX XXXX accounts # XXXX for {$370.00} & # XXXX for {$420.00} were opened fraudulently on XX/XX/XXXX, both accounts were then acquired by Portfolio Recovery Associates on XX/XX/XXXX. Today, XX/XX/XXXX, I sent an email to XXXX. I have also sent a copy via mail to this office CFPB, XXXX, FTC & Massachusetts AG office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX the consumer, original creditor, natural person. Pursuant to Federal law 15 USC 1692 American Education Services is a 3rd party debt collector and is in violation of 57 Federally protected consumer law violations. American Education Services has failed to obtain and send verification of this alleged debt by not mailing me a contract. Instead of sending me a contract of this alleged debt, American Education Services sent statements which alleges we have a business agreement and we do not. Under the FDCPA it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law. 
Due to the fore going, you have caused me additional stress, frustration, credit damage, and costs. Furthermore, I XXXX XXXX the consumer, original creditor, natural person am not delinquent because there is no law that defines delinquency. This was initiated through the use of the open end credit using my social security card pursuant to 15 USC 1602 ( f ). 



You have also waived your opportunity to amicably resolve this issue without the need to litigate. This was your last opportunity to mitiage this matter and as a result I intend to forward this matter to an attorney or initiate litigation against you under the FDCPA.
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 Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress [ XXXX PM ] for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

cc XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX other DELAWARE XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

For the past 9 years, I have had a Bank of America XXXX XXXX XXXX which was in good standing in my name. I paid the amount monthly - even after my ex-husband applied for Bankruptcy and was discharged under his name ( his name still remains as a co-borrower ). 

Recently, Bank of America sold my loan to XXXX XXXX, which then authorized XXXX XXXX XXXX ( XXXX ) to administer the loan payments, etc. XXXX appears to be more of a XXXX XXXX XXXX than a financial institution. 

Bank of America sold my loan on or around XX/XX/XXXX. I was notified by BOA of the sale to XXXX XXXX and was informed that I would receive information soon from the new loan company. I did not receive ANY paperwork, information on where to pay my loan, etc. until XX/XX/XXXX. I received a letter from XXXX XXXX Servicing indicating that my home equity loan is now delinquent, and I needed to contact XXXX  to discuss possible loss mitigation options. I was able to navigate the XXXX site and set up an online account. I had difficulty adjusting the payment that covered a specific time line, the site would only allow for me to make the past payment due PLUS a payment that was due in XXXX. I was able to call XXXX where they were willing to take the payment that was currently due. On XX/XX/19, I logged on to make my XXXX payment - and once again, the site would not allow me to adjust the current payment due XXXX {$220.00} XXXX, instead a payment of {$470.00} XXXX covering XXXX XXXX was ordered. Also, I am not able to change my method of payment. I want to use a different debit/credit care and the XXXX website will not allow me to do this. 

The XXXX site and XXXX XXXX company is very difficult to navigate and communicate with. When I call, and enter my phone number ID, they claim that my phone number is not identified with my account number. XXXX has also marked me down as making two late payments, when that is not a fair assessment. I do plan to refinance this loan in the next few months, but I am trying to pay down other finances first in order to be eligible for a lower interest rate. Please assist. Thank you. XXXX XXXX
Product: Checking or savings account

Bank of America wrongly debited {$8500.00} from my Bank of America checking account on XX/XX/2022. BofA, via clerical error, accidentally debited from the wrong person with the same name living in VA with a Bank of America account. 

It took countless hours and phone calls and emails to have Bank of America and the law firm involved to restore my funds and remove the BofA charge to execute the transaction. 

I have been advised to obtain a written assurance that this erroneous debit will not be reported to credit agencies and will not have a deleterious impact on my credit score/rating or credit history in any way. 

So, I'm asking that your legal department furnish something in writing around this specific request so I can include it in my file. A letter addressed to me and referencing these circumstances- NOT a boilerplate document on your website available to all your customers. 

I have been a Bank of America customer for almost 30 years and I want BofA to do right by me. For all this hardship that this has caused, I just want it in writing that BofA will take responsibility if my credit in any way is tarnished by its mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX ( Original Creditor : 11 XXXX XXXX   XXXX ) XXXX, XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX, XXXX ( Original Creditor : 05 XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original XXXX : 10 XXXX XXXX XXXX XXXX ) XXXX ,
Product: Debt collection

i paid the card off the bank froze the account let it completely max out then gave it to XXXX collection agency. if they wamted the money then why did they stop me from paying them?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Credit Monitoring account with XXXX*. In XXXX XXXXXXXX timeframe... I rec 'd a notification of many inquiries/accounts being opened in my name ( with my social security number ) that I did NOT authorize. I immediately asked the credit monitoring service to assist by requesting them to have a *freeze* put on my credit thru all 3 credit bureaus. 

I then opened an account with XXXX ( Federal Trade Commission ) regarding all the accounts opened as part of an obvious IDENTIFY THEFT. And then, followed all the recommendation by the FTC to send dispute letters to the creditors/lenders. I additionally contacted the fraudulent lenders by phone/email ... explaining my situation and asking for accounts to be closed. All that effort seemed to work except ONE ... KIKOFF LENDING. I have repeatedly ( XXXX XXXXXXXX ) tried to get KIKOFF LENDING to understand the Identify Theft... to no avail. 

I then created accounts with XXXX and XXXX ( not XXXX ... as I get a free XXXX credit report via my XXXX account... and it looks fine ). The XXXX and XXXX credit reports, however, show KIKOFF LENDING and a *closed / UNPAID* account. I, thus, filed disputes with XXXX and XXXX and the results of those disputes were unsatisfactory. They said... they verified- with XXXX - that the account was valid and belonged to me. IT DOES NOT belong to me and is not valid. 

Kikoff Lending , LLC - XXXX XXXX XXXX XXXX - XXXX XXXX, CA XXXX - ( XXXX ) XXXX Again ... not my account... this is a result of FRAUD / ID THEFT
Product: Credit card

On XX/XX/year>, I purchased {$1500.00} of XXXX equipment from XXXX XXXX  using my XXXX XXXX XXXX run by synchrony bank. I never received the products. When contacted, they said they were delivered even though I never received them. They provided a picture which was not of my house as proof of delivery.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2023, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2023, XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting

I have disputed the following accounts with Experian. I have told Experian that I have no contract with any of the following companies : XXXX XXXX XXXX/2017 XXXX XXXX XXXX/2017 XXXX XXXX XXXX/2017 XXXX XXXX/2017 XXXX XXXX/2017
Product: Credit reporting or other personal consumer reports

The XXXX XXXX has forgiven my federal XXXX loans with XXXX in XXXX, effective XX/XX/2023. I received confirmation in a letter from XXXX, dated XX/XX/2023. As of XX/XX/2023, the total loan balance of {$110000.00} still shows as outstanding/ still being owed on all three ( 3 ) credit reports. I have filed credit report disputes with the three ( 3 ) credit bureaus : XXXX, Equifax and XXXX which are being investigated at present.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information on my credit file as a result of identity theft:TRANSUNION|HARD INQUIRIES|| XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX (XXXX) XXXX || XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX  (XXXX) XXXX || XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX (XXXX) XXXX ||COLLECTIONS||1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX    XX/XX/XXXX $XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX) XXXX2|-----------------------------------------------------------------------------------------------------------------------XXXX|HARD INQUIRIES||XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX   XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXXXX/XX/XXXXXXXXXX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX||COLLECTIONS:XXXX XXXX - XXXX - XXXX XXXX|-----------------------------------------------------------------------------------------------------------------------TRANSUNION|INQUIRIES||XXXX XXXX XXXX   XX/XX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX |XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX (XXXX) XXXX |XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX   BYMAILONLY||COLLECTIONS:CXXXX XXXX XXXX XXXX XXXX XXXX|
Product: Credit reporting or other personal consumer reports

With CapitalOne, I do not have a balance of {$130.00}. A month has passed and this false information is still being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my credit report I have determine there has been 3 hard inquiries placed from the same company, a company I have never done business with. I have disputed this with the company and the credit bureau but no changes have been made. 

Company XXXX XXXX XXXX  a hard inquiry was done on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Company : XXXX XXXX, a hard inquiry was done XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an alleged fraudulent activity but I still have ITEMS left that needed to be removed. This is another letter attempt to dispute the items in my credit file which resulted from an alleged identity theft. Again, Im sending over an Identity Theft Report XXXX XXXXXXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information or items in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$1900.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4000.00} XXXX XXXX XXXXXX/XX/year> ========XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX  Balance Owed : {$4000.00} XXXXTransUnion : XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance : {$1900.00}. Please note that you have 4 business days to REMOVE the reporting of any items in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WITHOUT MY KNOWLEDGE SENT ME AN EMAIL THAT SAID THAT THEY HAD TAKEN {$1.00} OUT ON MY DEBIT CARD. THE ONLY THING I KNEW WAS THAT THERE WAS A CREIT SCORE FOR FREE. I DID NOT SIGN UP FOR ANYTHING, I DID NOT EVEN MAKE A USER ID OR PASSWORD OR ANYTHING. I WAS NEVER ASKED! I WOULDN'T WANT IT ANYWAY I DON'T NEED IT. THIS WAS TODAY-XX/XX/XXXX. THE ONLY THING I GUESS WAS THE # 's OF MY DEBIT CARD. THERE WAS NO TALK OF A FEE OR ANYTHING ELSE DISCLOSED. I HAVE BEEN TRYING FOR HOURS TO CONTACT THEM BUT I CAN'T. THEY WANT ME TO SIGNUP & IN, I DO NOT WANT TO FOR SURE I WILL NEVER GET OUT. I TRIED EVERY CONTACT US THAT THEY HAD AND EVERYTHING WAS A NO GO. I JUST WANT OUT! I HAVE KNOW CLUE WANT THIS WHOLE THING ENTAILS. THERE IS NO UNSUBSCRIBE.I AM ILL AND DO NOT NEED THIS EXTRA PROBLEMS. PLEASE HELP?! I WAS TRILLED TO FIND YOUR SITE. I NEED TOI EMAIL, I DON'T HAVE A TEXT PHONE AT THIS TIME.
Product: Mortgage

My mother and I own the home together. I am in a treatment facility for a minimum of 120 days and no longer am able to live in the home with her. However, she would like to stay living in the home and take over the payments. But, I must be taken off of the loan in order for this to happen. Otherwise, the home will need to be vacated completely by both customers.
Product: Student loan

When I originally accepted this loan, in XXXX, the provider 's name was XXXX XXXX XXXX now its University Accounting Service LLC. The loan amount requested was $ XXXX. I had good to fair credit at the time not great. It was somewhere between XXXX to XXXX. I was told I had to have a $ XXXX origination fee if I got approved, and I would have to have a cosigner. I was told as long as I made 12 straight payments on time, then my cosigner would be taken off the loan. That never occurred and I did make 12 consecutive payments on time as agreed. I was never informed or understood that my interest rate was variable and how it was calculated. I was informed if I ever had economic hardship or needed an income based payment plan the lender would provide those options. While they have gave me some forbearance options, they have never offered me an income based payment plan. My balance over the years has gone from $ XXXX because of the Origination fee to about $ XXXX though I have paid {$13000.00} towards the loan to date. I have begged and pleaded with the originator to provide me with more reasonable monthly pay back options that will allow me to get the balance down and and they refused to. The payments have been {$600.00} to {$800.00} a month to which I have responded over and over I cant afford. I have been able to negotiate an interest only payment at times but the balance keeps getting higher and higher with no solution available. My cosigner back in XXXX even offered a $ XXXX negotiation payoff of the loan on top of the thousands I have already paid on it and it was denied. That means they would have received in total about $ XXXX for only lending me $ XXXX. So they would have doubled their money back. The seller of this loan took advantage of me when I was in need. Even the original loan documents have been changed in the system. The documents I originally signed all reflected My XXXX XXXX, the documents they have in my profile now are reflecting University Accounting Service LLC, which I had never heard of back in XXXX when I accepted this loan and signed off on it. I am trying to find my original loan paperwork. I mean they have taken the time to change the paper work in the system and upload it. Its Straight fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint about this directly with Kay Jewelers and received the below response. After the response the error was corrected however this weekend I notice that it was placed back on my credit report. Please find the original resolution below where the company ( Kay Jewelers ) stated that they will remove the reporting. 


STATUS The company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response XX/XX/XXXX Re : CFPB complaint # : XXXX Dear XXXX XXXX XXXX Thank you for your service in the armed forces and for contacting us with your concerns regarding your credit account. We located the account to which you refer and confirmed the name on our account is associated with the name under which you submitted your complaint. We investigated your complaint and found the following : On XX/XX/XXXX, you opened a credit account with our store, Kay Jewelers, and subsequently financed multiple purchases. On XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ) became the service provider for your account ; they took over reporting your account information to the credit bureaus from this point on. We have no record of a prior inquiry from you the regarding the matter. As part of our investigation, we contacted XXXX who stated the following : Your required minimum payments were due by the XXXX of each month. o They did not receive timely payments in both XXXX and XX/XX/XXXX, and reported the resulting delinquency to the credit bureaus, accordingly. Through XX/XX/XXXX, they received multiple electronic disputes from the credit bureaus, along with letters from you requesting a goodwill adjustment to your credit file, to which they investigated and timely responded. o Regarding your letters ( none of which mentioned a natural disaster situation ), they explained they were unable to accommodate your request as the information they were reporting was accurate and this is against company policy. o However, in response to your complaint, as a customer service due to the situation, they sent a request to the credit bureaus to remove the above delinquency, as requested. o Please allow 30 to 60 days for the update to be reflected on your credit file. Thank you for your long-standing patronage of our company. We are sorry to learn of the difficult situation noted in your complaint but hope the above information clarifies this matter. Sincerely, XXXX XXXX Resolution Specialist
Product: Mortgage

As of XX/XX/XXXX, when I received a letter from my Loan Servicing Company, with a Pre-approved Loan XXXX XXXX XXXX approval with Trial payments due starting XX/XX/2021. 

I called my Loan servicing company and to a female loss mitigation representative, that after reviewing my file, that if I tried to submit an income documentation modification request for a better loan modification plan, this lady told me that what I was just offered on XX/XX/2021 would be the best I could get and if I chose to move forward with a income modification application, that my current XXXXXXXX XXXX plan from XX/XX/XXXX, would become null and void and that if I failed to qualify for a income modification plan, that I may not qualify for any modification and could lose my house.This lady went on to tell me that she highly recommended that I accept this current XXXX XXXX  because I would run a high risk of being denied due to my drop income since I am no longer working and retired. 

When I called on different occasions and spoken to different other loss loss mitigation representatives, I get conflicting information that what the first lady told me was no correct and that I have other options available to me, where I can try to get a better modification and not lose my XX/XX/2021 XXXX XXXX offer and choose the best modification offer with the lowest monthly payments. 


I have called time and time again and sent countless emails asking anyone to put these claims and my options or lack of options in writing and all I get is additional generic emails and loss mitigation representative phone calls promising to send me an email i writing about my options or lack of options, and to date, I have not received anything in writing. 

All I have been offered is to extend my mortgage out to 40 years, reducing my original mortgage payments by {$100.00} and keeping my high 3.875 % interest rate the same as before. 

My wife and I completely feel that we are being taken advantage of due to my failing help issues and drop in household income.
Product: Debt collection

In XXXX of XXXX I noticed this fraudulent account on my credit report I immediately notified the company that it was not mine Ive tried several times to work this out with the company requesting proof of the application along with my signature associated accounts etc The company has been reluctant to provide and data or documentation supporting this account