23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have Direct Consolidated loans serviced by FedLoans that are eligible for PSLF forgiveness under the PSLF waiver. FedLoan continues to send emails with misinformation about the waiver. It continues to claim that it is assessing payment counts for the *PSLF waiver. '' On XX/XX/22, I received a letter from FedLoans about an update on my PSLF payment counts with the phrase : " The charts above display the total number of eligible and qualifying payments you have made ( out of the required 120 ) on your eligible loans for PSLF and TEPSLF, including any periods we have assessed as eligible or qualifying under the Limited PSLF Waiver. '' FedLoan does not assess payments for the Waiver. Only the DOE does that. However, by continuing to claim that it does so and informing borrowers of this false claim in letters, FedLoan is causing a panic among borrowers. These borrowers in turn flood FedLoan phone lines and email boxes asking for clarification. This, in turn, causes delays for everyone, including those with legitimate questions. It also causes more complaints for the CFPB. Which is why you are stuck reading this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : CXX/XX/XXXX XXXX -- -> : {$320.00} XX/XX/XXXXV : XXXX -- -> : {$330.00XX/XX/XXXXXXXX : XXXX -- XXXX : {$3700.00} IXX/XX/XXXXR : XXXX -- > {$12000.00}
Product: Debt collection

I received a letter from Allied Interstate for a debt and account with center point issued by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

This account is not mine and I have idea what this is. I was a victim of identity theft back in 2014 but I am unsure if this account is from that issue. 

I want them at Allied Interstate to close this right away please. 

I have sent Allied Interstate a letter to close this as well which I have attached. 

Thank you for the help and assistance on this frustrating manner.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report on XX/XX/2023 and notice some things are incomplete and not accurate. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about who the report relates. These accounts [ 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 ] are not complete and accurate. 

I sent a letter asking them to ensure everything is complete and accurate and here is my tracking number XXXX They sent me investigation back and said everything is complete and accurate, but if you review my attachments, you will see everything is not accurate are complete. 

And according to 15 USC 1681i5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be in accurate 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 has been modified or deleted from the file of the consumer. 
( 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 this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure a consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( b ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
But they did not do that as well either. 
and according to 15USC 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.
Product: Debt collection

Complaint Details On XX/XX/2022 I paid off the remaining balance of two ( 2 ) phones and my mobile service with XXXX XXXX. At that time my phones were then unlocked because I had no remaining balance with XXXX  and I owned both of the cell phones. On that same day I switched my phones and phone numbers to XXXX XXXX XXXX XXXX so I no longer had ANY service with XXXX XXXX. On XX/XX/XXXX I receive a bill from The CBE Group, INC on behalf of XXXX XXXX for {$130.00} which was for services after XX/XX/XXXX. These charges included payments for both cell phones ( which I paid off ) and my monthly service fee. I would not have been able to switch my phones or phone numbers if I had any balance owing to XXXX XXXX. And in switching my phone numbers and phones to XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX no longer was my service provider. 

I never received a bill from XXXX XXXX via mail or email. The first time I learned of this debt was from a collection agency. 

I was told by XXXX XXXX on XX/XX/2022 that I would not owe anymore money. There is no way I would be able to take my phones and transfer them to another carrier if I had a balance owing.
Product: Credit card

On XX/XX/23, someone hacked into my Capital One online banking, created virtual card numbers, spam bombed my e-mail address, and made large purchases. I spent hours regaining access to the account. It has been determined that the hackers accessed my e-mail address and obtained an old copy of my driver 's license, then used it to call in and impersonate me as well as upload that document for identity verification. I was emphatic that this would happen again as long as the continued to use this same piece of compromised information as valid identity verification. They disagreed and it got heated. The hackers regained access that same day. I did it all over again. Capital One fell for it again the next day. I regained access. Capital One fell for it again the next day. After hours of discussions, they said they would escalate it to their security division. I waited patiently for nearly 2 weeks and a XXXX - XXXX XXXX XXXX - called today ( XX/XX/23 ) simply to state that Capital One couldn't protect my account. They could reset it but there is nothing they could do to prevent it from happening again. Their sole motive for calling was to get me to agree to accept my accounts with subpar security precautions or close my accounts altogether. I told that this was an outrageous position and demanded that someone come back to me with a solution regarding how Capital One would not fall for the same piece of compromised information. He didn't want to do that and simply wanted to end the call. I told him that was the lazy, cowardly way out. 

After regained access to the account with a new e-mail address, the hackers got my other email address out of my capital one online portal and spam bombed it as well. If Capital One hadn't let them into my account, they would've never had this alternate e-mail address and been able to spam bomb it.

Capital One 's 2 factor authentication allows you to type in ANY phone number to receive the security code. The whole purpose of 2 factor authentication is to send secure login tokens to known, valid phone numbers and/or e-mail addresses. When you can type in any phone number or e-mail address, what is the purpose?

1. ) Capital One 's 2-factor authentication does no authentication if the security token can be sent to ANY phone number, even if not registered on the account profile.

2. ) Capital One accepting the same compromised identity verification document time and time again is absurd. Not only do that accept the old driver 's license previously proven to be compromised, they requested this specific document for verification. An item known to be compromised and used to gain account access at Capital One on Monday and again on Tuesday and Capital One requested THAT VERY DOCUMENT for verification again on Wednesday and on Thursday. Again and again. This is absurd.
Product: Debt collection

I received a notice that my home is in foreclosure due to a " zombie '' loan. I purchased the house in XXXX and had the loan restructured in XXXX. I thought all the loans were tied in to the restructure, apparently the second loan for XXXX wasn't. Now 23 years later they are foreclosing on my home saying I owe them XXXX. I never received any calls or notifications of the debt. It was never added to my credit. I believe the statute of limitations are on my side but not positive. I would have made payments had I known the loan was still active.
Product: Money transfer, virtual currency, or money service

Good day, On XX/XX/2019 at XXXX the company " Cash App '' send me a message stating that a {$500.00} payment to my account was being disputed and that they were removing {$500.00} from my personal checking account. I was not given a warning about the removal or given a chance to protest it or speak on it at all. This was a very troubling moment for me, as I did not know I would be losing {$500.00} with no warning. 

I have emailed their support team several time since the incident, but have gotten no real response. There is a automatically generated message that gets sent to me stating that " Hi XXXX, Thanks for contacting Cash Support. We have received your inquiry and will respond within 24 hours. If you have any further information you'd like to provide you can respond directly to this email. 

Thank you, Cash Support '' There is no number to call to get in touch with a live person to get help, so I am stuck continuously emailing and getting no real response. When I try to follow up with another email they tell me that my case has been closed because they did not hear from me, but I never received an email from them to respond to. Below, I am including the message I have sent to them several times that includes my case number and all of the details associated with my account that are needed to identify myself and the disputed transaction. 

" I have been trying to get help from your team with this issue for over two weeks now. I have received no follow up communication. My case # : XXXX. The transaction described below was refunded from my bank account without warning and I had {$500.00} taken from me from Cash App. I didn't know the transaction was being disputed or that there was any issue at all. This was a very troubling experience for me as i had {$500.00} taken from me without warning. I have emailed several times about this issue, but have not heard anything back. How can this be solved? 



My cashtag : XXXX XXXX XXXX Sender : XXXX XXXX Reciver :  XXXX XXXX Identifier : # XXXX Date : XX/XX/2019 XXXX '' The files I am attaching to this complaint are all of the messages that have been sent between myself and Cash App. I also sent several messages to them through the app, but they do not provide a paper trail for those message so I do not have them.
Product: Money transfer, virtual currency, or money service

My skrill.com account was restricted on XX/XX/2020, for no apparent reason. Skrill requested I send proof of identification and proof of funds, which I did immediately. No response was received. I requested an update on XX/XX/2020 and as of XX/XX/2020, no response has been received. My account, with several thousands of dollars in it, is " restricted '' with no clear indication from this company of how to resolve the issue.
Product: Student loan

AIDVANTAGE IS SENDING OUT FRAUDULENT LETTERS I received a letter in error from Aidvantage dated XXXX XXXX XXXX regarding consolidation application denial. MY FEDERAL LOANS WERE CONSOLIDATED WITH THE DEPARTMENT OF EDUCATION - 6 MOS. AGO ( Effective : XXXX XXXX XXXX ). Yet, I am receiving a denial letter 6 months later from Aidvantage. 

My federal ( FFELP ) loans with XXXX ( since XXXX ) were directly consolidated with the Department of Education back in XXXX XXXX XXXX XXXX. I am in repayment under the Direct Loan Consolidation program with the Department of Education. I am on the SAVE plan and a candidate for the IDR Waiver - one-time payment account adjustment. 

Not only is Aidvantage 's letter a significant error of fact and context, but it demonstrates false claims of ineligibility. This translates to fraud and abuse. I am demanding a retraction and correction letter from Aidvantage immediately. My loan servicer is no longer XXXX, and it has never been Aidvantage! My loan servicer is XXXX XXXX who are also committing serious issues of their own but that is a different case entirely. 

For the record, I have also received email an official notification from the Department of Education that I am a candidate for loan forgiveness under the IDR one-time payment account adjustment aka IDR Waiver. In fact, there is no better poster child for Direct Loan Consolidation with the Department of Education and IDR Waiver than me. 

Please note I have put Aidvantage on notice that my demand / complaint letter to them dated XX/XX/XXXX is being used with other exhibits attached to a formal complaint against Aidvantage which will be directed to the states attorney general office and regulatory agencies, which cite Aidvantages continued widespread failure, abuse, and unlawful conduct on behalf of its parent company Maximus Federal Services. 

Please investigate Aidvantage 's senseless, and what I believe are intentional errors, because Aidvantage ( Maximus ) is really for all intents and purposes XXXX XXXX ( my former loan servicer ) who is still harassing me with refinancing letters with them in order to try and scam me out of student debt relief! In this regard, on XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have notified Navient of these wicked and deceptive practices. This is public record. 

I can be reached any time by phone or email. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I submitted a complaint regarding my account when I was charged over {$1000.00} in overdraft fees in  XXXX  and  XXXX    XXXX   even though I never elected to have overdrafts allowed on my account.     I was refunded {$860.00}. I am seeking the remaining {$230.00} to be refunded. I have retained legal counsel and will move forward if needed.     account number  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies Transunion, XXXX and XXXX  refuses to delete the unauthorize hard inquiries and negatives from my credit report. As of XXXX XXXX2017 I received a credit monitoring from XXXX XXXX on my scores dropping to XXXX in which my scores was up in the high XXXX 's. I making timely payments on my two accounts XXXX XXXX loan and auto .I only have two accounts on my credit report. XXXX XXXX stated the credit scores comes from XXXX, Transunion and XXXX. XXXX XXXX also has a issue reporting accurate information. Very Urgent Matters!!
Product: Money transfers

An international transfer ( XXXX to XXXX ) took place ( XXXX XXXX, 2016 ) resulting in a {$4900.00} deficit in the amount deposited. Our XXXX lawyers said that there would be a $ XXXX bank charge and nothing more. XXXX XXXX XXXX XXXX said there would be no fee. 

When I asked my XXXX bank, XXXX XXXX XXXX XXXX, they said, first, they could not see what the exchange rate was ; then they said the transaction went through Bank of America and they would try to find something out but that it would be unlikely that they would get a response. I asked to speak to their compliance officer. She was out, but the gentleman from the accounting dept., then called me later with an update saying that I should file the complaint and that he had the incoming wire detail and that he would send that to customer service agent at my local branch, but that there was nothing new/more they could tell me. During my call with the gentleman from the accounting dept at XXXX, shared with me that it looked like the exchange rate applied was XXXX. I asked him if that was the correct way to apply the exchange rate and he said he did not wish to get involved. He was helpful and it was obvious that he was very nervous about making a mistake.
Product: Credit card

I am writing to formally dispute the accuracy of the information reported by Continental finance to the credit reporting agencies regarding an alleged charge-off on my account. After reviewing my credit report, I discovered that this information is both inaccurate and misleading, constituting a violation of the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, credit reporting agencies and furnishers of information, such as Continental finance, are required to ensure that all information reported is accurate and complete. The alleged charge-off reported on my account does not meet these standards. 

Because of this account being erroneously reported my credit has been negatively affected.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initial available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting

They have had my accounts in dispute for three months with no date due back to me
Product: Credit reporting

disputed a debt with XXXX of which I sent a letter to them asking for simple details like dates of services rendered and merchandise purchased and did not receive anything. Did get letters from XXXX different companies trying to collect same debt. Sent same letter to each company and did not receive any information. So disputed debt with Experian and all I got was " Remains '' No explanation of why. Debt does not appear on either of the other XXXX credit agencies.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. US DEPT ED 2. US DEPT ED 3. XXXX 4. US DEPT ED 5. US DEPT ED 6. XXXX XXXX 7. US DEPT ED 8. US DEPT ED 9. US DEPT ED 10. US DEPT ED 11. US DEPT ED 12. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX and XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, the reason why I am starting a complaint today because I am tired of continuing to try to solve this problem on my own and I do not get an answer that supports the fact that this account is in my credit report.I do not understand how this account across the three Credit Bureau is different. 
Credit Bureaus required to obtains verification from the same Data Furnisher, in this case the U.S. Bankruptcy Court in XXXX, Nebraska. 
Having said that, how between TransUnion y XXXX this information are reported different, and the funniest thing is in XXXX is not a Bankruptcy reported. 
I'm sending you proof from the 2 companies ( XXXX  XXXX and XXXX XXXX ) that i use to monitor my credit. 
Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

SANTANDER CONSUMER USA is reporting that I was late on 2 payments 2019. The first one that there are reporting is in XX/XX/2019. In XX/XX/2019 SANTANDER CONSUMER USA is reporting that i was 30 days late on a full payment which is {$400.00} The second payment SANTANDER CONSUMER USA is not reporting correctly in XXXX of XX/XX/2019 stating that i am 60 days behind. both are not correct. I have disputed the late payments with all 3 credit bureaus. Also, I have reached out to SANTANDER CONSUMER USA multiple times.
Product: Credit card or prepaid card

i was prevented from being in usa and forced to maintain a hosting account relation with XXXX in XXXX and no income as well. i did not get settlement in XXXX relation
Product: Money transfer, virtual currency, or money service

Paypal, so far the most complained among the virtual currencies, blocked my account without any explanation or logics on XXXX 2015 and it is still blocked after my several attempts to have it unlifted!! Paypal, following its tradition of doing ridiculous and stupid things, is keeping the restrictions on my account and it seems nothing can be done in order to be able to make transactions in my account! I am unable to send payments as well as receiving payments and without any explanation from Paypal! I only get nonsense words from Paypal agents on the phone, whatever they state is contradictory and incoherent and when I want to speak with a supervisor I get cut off!! I posted a complaint in this website : http : //www.paypalcomplaints.org/ but Paypal remains completely passive on it, shameful!!!
Product: Credit reporting

Equifax refuse to send me my credit report I have done every thing they asked of me but they refuse to send my credit report.