23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Once I started to repay my student loans I contacted to discuss options for loan repayment. I was told I qualified for a public service loan forgiveness so I was paying an amount based on my income. I am a XXXX XXXX working for a XXXX XXXX and XXXX. They said that I qualified and had to fill out a paper. I took all the steps I had to to get approved. I even paid {$600.00} to consolidate. Each year I renewed this. For 3-4 years I was making substantially less than my minimum because I was told that after X amount of payments the rest would be forgiven. each year I would speak with someone and re new this public service loan forgiveness plan but I was told something different pretty much every time and know one at Navient could tell me why I was told X. I kept getting the run around but assured that this was the best repayment plan for me. Well I dont qualify for forgiveness plan So here I am 6 years from graduation date and start of my repayment and could be a lot further ahead on my loans than I am all because of false information I was given by the company that handles a large amount of money for me!!! I am basically starting now paying what I shouldve been for the past 6 years! I could be more than half way done but instead Im basically starting fresh and have had 6 more years of interest accrued.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX Account # XXXX date opened XX/XX/XXXX bal. {$4500.00}, XXXXXXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1300.00}, XXXX. XXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$490.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$390.00}, XXXX XXXX Account # : XXXX XXXX opened XX/XX/XXXX bal. {$390.00}, XXXX XXXX XXXX Account # : XXXX date ooened XX/XX/XXXX bal. {$190.00}, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This is supporting Documentation for complaint # XXXX filed against transunion. The accounts reporting incorrectly have been removed by XXXX, and XXXX without any issue, but transunion has refused to remove this fraudulent information
Product: Debt collection

Account balance owed by XXXXXXXX XXXX XXXXXXXX as of XX/XX/XXXX : {$170.00}. 
XX/XX/XXXX XXXX makes {$170.00} payment using XXXX  payment service. 
XX/XX/XXXX XXXX receives confirmation of payment e-mail from XXXX. 
XX/XX/XXXX Payment from XX/XX/XXXX was withdrawn from lessee 's checking account. 
No further Communication from XXXX to XXXX. 
XX/XX/XXXX Letter sent from Debt Collector to XXXX. 
XX/XX/XXXX XXXX receives letter and contacts Debt Collector to dispute claim. 
XX/XX/XXXX XXXX sends proof of payment to Debt Collector. 
XX/XX/XXXX Debt Collector sent itemized Move Out Statement with fees listed in attached documents. 
XX/XX/XXXX XXXX contacts Debt Collector, Debt Collector insists XXXX still owes XXXX {$170.00}. 
XX/XX/XXXX XXXX attempts to contact XXXX by phone and does not get response. 
XX/XX/XXXX XXXX contacts cfpb.gov to file report on the incident.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX-current please see docs attached company has violated 20 usc 1232g ( b ) the family educational rights and privacy act, that protects the privacy of student education records.
Product: Debt collection

The Bureaus has continued to contact me regarding the XXXX XXXX debt even though I have disputed this. I have submitted in writing before but they have continued to shuttle this collection between collection agencies and currently I have contact from the following : agencies in addition to the Bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have disputed this debt due to the misrepresentation from XXXX XXXXXXXX on the original debt. The equipment was the property of the business XXXX XXXX XXXX and when the business was dissolved in XXXX XXXX XXXX was contacted to acquire equipment. XXXX XXXX did not place this order until they were contacted 4 more times and finally acknowledged this in XXXX XXXX a full 8 months after the first contact. XXXX XXXX set the equipment up for pickup, but not until XXXX of XXXX thus allowing 10 months of extra fees to incur on the account. XXXX XXXX also needed legal contact to release the lien of a vessel that was paid off with them in XXXX and stated that just because it was paid does not mean the lien is released on a revolving account which is completely false. They also demanded the collection of a jet ski trailer that was NEVER included in the XXXX financing, and even if it had been it would have been release with the XXXX payoff. The account balance for XXXX was for the XXXX vessel of which the XXXX vessel only had an owed balance of {$300.00}. 

The equipment was placed for auction and sold in XX/XX/XXXX. The only notice I received after this was the collection from Bureaus and not XXXX XXXX. I was never notified of the completed sale amount, how much had been applied to my account, and what the final account of charges was ( sale fee, equipment fee, collection fee, and repo fee ). I have asked for an accounting of this since XXXX and only received a copy of my XXXX  XXXX statement that show the final balance before sale. The only letter I received in this time was the notice of sale. Bureaus has continued to shuttle my account between a half dozen of their subsidiaries disregarding my dispute. 

According to this timeline XXXX XXXX placed this account in collection as of XX/XX/XXXX and not XX/XX/XXXX as stated by Bureaus. This reporting has continued to be labeled as current and accurate monthly since this. I have disputed with XXXX and the collection company has provided false documentation that I have never been supplied regardless of repeated request. Seven different companies continue to contact me and make offers on this debt which makes it impossible to ever settle because I would not know if this would be cleared. Bureaus continue to report the debt every month as new which has continued to impact my credit and prevented me from obtaining financing for housing. Considering this debt is almost 7 years old, the impact of the collection should have diminished over the last 7 years but due to Bureaus tactic of passing the debt between collection agencies every time I dispute it and their continued reporting it is impossible to deal with.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, Ink. ) 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 Election Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial lost, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX im writing you guys today because there is an inaccurate collection reporting on all 3 credit bureaus the company is XXXX account number XXXX XXXX and XXXX both have this account as an open account which is against the law XXXX also is listing this account with past due balance and 120 days which is also a volition I tried to dispute with bureaus they verified the information but clearly this information is not accurate all 3 bureau information does not match and I want this account deleted from my credit report I attached a file so you guys can see that the information does not match on all 3 bureau and that transaction and XXXX are breaking the law by reporting this collection account as open also XXXX and Experian have this listed as a collection account with no name or company it just says collection account I would like this account removed asap possible this account reporting inaccurately has caused me a lot of pain and stress
Product: Credit reporting, credit repair services, or other personal consumer reports

3rd REQUEST FOR ACTION! 

I recently submitted several complaints to Equifax & XXXX regarding a Chapter XXXX  bankruptcy reporting on my credit report. After careful investigation and wording of the law, it states the following : According to the Fair Credit Reporting Act ( FCRA ) a Chapter XXXX  bankruptcy CAN remain on your credit history for UP TO 10-years from the filing date. For a Chapter XXXX  bankruptcy, the maximum is seven years, like most other negative items. There are some key phrases in that statement that need to be clarified : 1. " CAN '' - The FCRA does not require that a bankruptcy remains on your credit report a full decade. 

2. " UP TO '' - Again, 10 years is not a legal minimum, it is the maximum. So, legally, bankruptcy CAN BE REMOVED from a credit report before that limit is reached. My bankruptcy is scheduled to be deleted in XX/XX/2020. 

I am applying for a mortgage and this is severely impacting my ability to obtain reasonable financing. I am asking XXXX & Equifax to read the above law by the FCRA and delete this item.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal and urgent demand for the removal of inaccurate and unverifiable information from my credit report. I have identified several errors related to accounts that have been charged off and/or display late payments on accounts already charged off. These inaccuracies are damaging, unwarranted, and in violation of the Fair Credit Reporting Act ( FCRA ). 

The following accounts must be investigated and corrected without delay :XX/XX/XXXX XXXX {$200.00} ) I demand immediate removal of these items. The inclusion of inaccurate or unverifiable information is unacceptable. I remind you that under the FCRA, you are legally obligated to report only data that can be fully substantiated and validated. Should this information remain on my report, I will not hesitate to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney Generals office. 

If the information can not be verified as 100 % accurate and complete, I demand its immediate removal from my credit report. Failure to comply with this request in a timely manner will leave me no choice but to pursue legal action for violations of my rights under the FCRA. 

I expect a written response confirming the deletion of these inaccuracies within 30 days of your receipt of this letter.
Product: Mortgage

I was under a modification XXXX of 2013, successfully completed they were then moving my account to another department when I became lost in the system. I received notice of foreclosure XXXX days later, managed to get it stopped with the assistance of a senator within DAYS of the sale on the county steps. I again completed their requirements and received permanent modification XXXX XXXX, 2013. Since then Wells Fargo has my home listed as a foreclosed on my credit, I have been unable to get a loan to replace my roof, I have to pay 12 % interest for a car loan, I have brought this up to them many times without response. Recently I again reached out and they sent me to home preservations to assist me in modifying my mortgage. I am afraid to reach back to them on the basis they may start messing with my mortgage againAll I want is the foreclosure off my credit, it is impossible to exist theses days with this. 
I am enclosing the recent letter to them and their response.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I signed up with Freedom Debt Relief in 2014 after speaking with one of their representatives at length. What they offered us was a chance to increase our credit score while getting some debt relief. They would negotiate on our behalf. They presented themselves as credit experts and assured us we would have a favorable outcome. At the time, we were struggling but making our payments on-time. After agreeing to their program, we started making monthly payments to them. We did what they asked and it completely ruined our credit. This has affected our lives greatly in so many ways. I think about it often. I recently started researching how to sue them and CFPB came up. We would like to be compensated in some way to at least dig ourselves back out of this hole. Losing our credit is worst than having money taken from us. We can never get that back. The hope is that this will not happen to anyone else. 

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

This is concerning my Cash App account. I have ( 2 ) transactions of " cash out '' one dating from XX/XX/XXXX for {$480.00} and the second one dating from {$200.00} on XX/XX/XXXX. When checking my bank account a few days ago I saw that these were never deposited into my bank account. I originally had a chase account listed and made deposits into them in the past. Now there is some mysterious bank account with a routing number XXXX and account number XXXX, which does not belong to me. How did this bank account get into to my cashapp account? After noticing this issue I checked my wife Cashapp account and her 's also list some mysterious bank account with the same routing number and account number XXXX. I contacted Cash App over two days ago and they have been unresponsive with basically copy and paste replies. They still have not addressed these issues.
Product: Money transfer, virtual currency, or money service

On Wednesday XX/XX/XXXX I applied for and was approved for an auto loan at my local Truist branch in XXXXXXXX XXXX. 
I had obtained a buyers order earlier that day from the dealership that was selling the truck I wanted to buy. Based on this Buyers order I applied and was approved for a {$30000.00} auto loan, at which point the bank ( Truist ) issued and printed me a check for {$30000.00} payable to XXXX XXXX of XXXX XXXX 

At which point I went to the dealership to look at and test drive the truck a XXXX XXXX XXXX. I sat down with the salesperson and Bought the truck. Using a combination of a personal check from my Wife and the {$30000.00} check issued by Truist, I satisfied the full purchase price. The dealership agreed to fix a few issues with the truck and I left the truck with them and went home. The truck stayed with them over the weekend and upon calling Monday I was pleasantly informed that it was ready for pickup! 

So about mid day Monday XX/XX/XXXX I went to XXXX XXXX and picked up the truck with paper tags ready to go all issues fixed. On my way home I was called and informed by XXXX XXXX that their bank had trouble cashing the {$30000.00} check issued by Truist. My Wife confirmed to me that HER check had been deposited. Upon hearing this I contacted my loan officer at my local branch who wrote the loan and informed her of the situation, She thought it was strange, the dealership states that this is the first time this has happened to them. At the behest of my bank representative I contacted the dealership and told them to try the check again. 

Upon following up with XXXX XXXX today XX/XX/XXXX I was informed that the check was returned and that the initial Difficulties cashing it were because their bank had flagged the check for " suspicious activity '' and their second attempt to cash it resulted in the check " bouncing '' or " being returned ''. I requested that a representative of the dealership contact my loan officer and provided them with her information. I followed up shortly thereafter with my loan officer and she confirmed that they had correspondence with the dealership. At which point I called XXXX XXXX and spoke to their finance representative who informed me that their bank is sending the {$30000.00} Truist check back to XXXX XXXX with an explanation and that unfortunately we won't have any further answers until then. 

Later that evening I called Truist 's customer service number and eventually spoke to a lady who looked into the auto loan account and didn't see anything that would hold up the check like a stop order or anything. XXXX XXXX has repeatedly suggested having the bank wire transfer the money, which the bank understandably refuses to do given that a check was issued. 
I'd like to get this truck paid for to avoid repossession or litigation. What to do?
Product: Credit reporting, credit repair services, or other personal consumer reports

Im tired of this happening to me I need this to stop Im tired of taking my time to always keep doing this trying to fix my credit. I found a hard inquiry on XXXX on my chase credit journey report from Pnc bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint to stop reporting this erroneous item. 
XXXX XXXX I requested proof that the repossession of the subject vehicle was legal in accordance with the law.. Since credit bureaus were unable to provide me proof within 15 business days as required from receipt of my letter the alleged claim of deficiency will be considered null and void.
Product: Checking or savings account

I deposited a check from XXXXXXXX XXXX on Saturday XX/XX/XXXX at XXXXXXXX XXXX in the amount of {$4300.00} not an unusual amount I have been a realtor since XXXX. I have had Bank Of America since XXXX and this account change in XXXX do to fraud but I have been with them all this time. I get checks much higher. The bank has put a 10 day hold for no reason. First they said for holiday, than they tried to say it was an unusable amount which I proved was not than they tried to say it was an unknown bank XXXX is huge I have handled their foreclosed properties for years. The check was written from their XXXX account and the funds have never been an issue. I just sat at the XXXX XXXX branch for over an hour while they gave every excuse possible. The manger finally said that's how banks are now nothing he can do. The check is from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX
Product: Credit reporting or other personal consumer reports

The repoed my car after denying payment online. It is charge off on my credit report. By LAW they are supposed to send me a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requesting payments. They also were double dipping with Payment Coupons to members of their bank. They are a shady XXXX XXXX XXXX. They do not abide by Federal Laws. I have reuqested the Consumer Sentinel Network to investigate also. They have my Address wrong. They are required by Law to delete account from my credit and fix the credit score in which they illegally reported against my social Security number.

Rule 12 ( b ) ( 6 ) permitting a motion to dismiss for failure of the complaint to state a claim on which relief can be granted. 
They also broke UCC laws congruent to Consumer LAWS.
Product: Checking or savings account

Chase closed my checking account back in XXXX, I went to the branch and tried to reopen the account today, and they told me I was not able to, and they would not tell the reason. I have been the loyal client to them, and I need a chase checking account to make my life easier because my fiance is banking with chase.
Product: Mortgage

I received an addendum to notice of servicing transfer stating that as of XX/XX/XXXXthe principal of my account is {$13000.00} and on XX/XX/XXXXI received a statement showing my outstanding balance is {$15000.00}. I made a payment for XX/XX/XXXXand XX/XX/XXXXso how did my balance increase to that amount? Also what happened to the payments I made from XXXXXX/XX/XXXX? I have been paying on this mortgage for about 40 years and it should have been paid off in XX/XX/XXXX.
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. Despite using Zelle numerous times and reporting discrepancies, my, financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only I neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I not allowed to open any checking account at any other bank because they Report wrong information to XXXX I have be calling to fix this by phone but they hang up and don't return calls. They make a report to XXXX on XX/XX/XXXX of an closed account since XXXX after a month I ask for a Mortgage Modification with them. They asking me to open a Checking account and they know what they did on purpose. Please I need to open a Checking account to put my Earnings on it and be able to have access to Monthly Bank Statements and make a Financial Statement for First Bank Mortgage Modification. Please make them fix this. They have be Harassing me for years.