23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XXXX, I got a loan with Wells Fargo a XXXX student loan it was XXXX paid out in XXXX XXXX and XXXX split in half. This covered XXXX units. 
The finance charge was {$24000.00} interest XXXX. 
They will or have gotten a total amount of XXXX triple the loan amount. 
I need help please!!!!!! 
I went into the XXXX XXXX XXXX in XXXX got the loan interest down to the XXXX XXXX  during my XXXX XXXX time until XXXX under the XXXX XXXX XXXX XXXX, I got the deferred for school on other occasions. 
Its XXXX I still over XXXX. My parents co-signed. My parents filed bankruptcy in XXXX in XXXX my step father passed away. When I got out of the military I called Wells Fargo begged pleaded to get help. Im now a single mother, working for XXXX XXXX as civilian. I still have this debt on me should. XXXX years later. I have attached all the documents I could find. 
This is insane. I wrote my XXXX in California in XXXX there was nothing they could do. In XXXX XXXX, I went bankrupt of the course the loan was not part of that since a XXXX student loan. Please help me I want my money back. They have made their money and now it looks like they did stuff with my credit I got another note as did my mom dated XXXX XXXX XXXX. 
Thank you. 
XXXX XXXX XXXX
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding the persistent presence of fraudulent accounts on my credit report, specifically with your bureau. It has come to my notice that, despite successfully disputing and having these accounts removed from my credit reports with other bureaus, the same fraudulent entries continue to exist on the report maintained by your agency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 
The swift action taken by these bureaus in removing the entries further underscores the veracity of my claims. It is perplexing and frustrating that your bureau has not taken similar corrective measures, especially when other credit reporting agencies have acknowledged and rectified the issue promptly. The inconsistency in reporting across bureaus is not only confusing but also damaging to my financial reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

BMW financial services inaccurately reported a history of payments on my auto loan. I have asked them to investigate and send me a copy of their investigation. They haven't responded within the required time frame.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several hard inquiries that appear on my Transunion credit report : XXXX. XXXX XXXX XXXX ( Bank ) XX/XX/2024 XXXXXXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/2024 XXXX. XXXX XXXX  ( Bank ) XX/XX/2024 These inquiries are unverified, and I did not authorize any of them. As such, I request that they be removed from my credit report immediately, in accordance with my rights under the Fair Credit Reporting Act :
Product: Payday loan, title loan, personal loan, or advance loan

- On XX/XX/XXXXXXXX  I applied online for a XXXX for {$1400.00} - on XX/XX/XXXX, an amount of {$1100.00} was credited to my personal checking account from FUNDO LLC ( Financial Institution ). 

- XX/XX/XXXXXXXX  I requested a reconciliation to have my payments lowered due to financial hardship. 
XXXXXXXX  Fundo Representative ( XXXX XXXX ) emailed me indicating that they could not approve my request and that contractually they are able to collect up to 22.31 % and increase my monthly payments to {$250.00} a week. 
XXXXXXXX  I reviewed my rights as a consumer and detected Fraud by Fundo. I invoked a right to rescind my contract, revoked FUNDO access to my bank and returned all payments made. {$800.00}. 
XXXXXXXX  Fundo illegally filed a UCC lien XXXX XXXX XXXX XXXX XXXX Clerk of Superior court for {$6500.00} XXXXXXXX  I requested validation of debt, signed invoice, copy of agreement binding both parties, evidence there exist a business titled " XXXX XXXX '' per their claim, and my original application XXXXXXXX  second attempt to request information XXXXXXXX  FUNDO LLC sent me my agreement and partial application XXXX which indicates a loan was disbursed ) XXXXXXXX  I invoked my right to access, request was ignored. 
XXXX I informed FUNDO ( XXXX ) that I have evidence a loan was disbursed XXXX XXXX denies and claims it was a technical issue XXXXXXXX  i infomred fundo that i am aware that XXXX XXXX, director and lawyer for Fundo has been sued by the CFPB, and US attorney office general for debt relief scams. Please reference " XXXX XXXX XXXX and XXXX XXXX XXXX ''. XXXX has also been investigated by the DOJ. 

- XX/XX/XXXX. I had a 13 minute conversation with Fundo Paralegal and COO, XXXX XXXX in which she proposed a reduction in balance from XXXX to XXXX and the debt will be cleared. 
XXXXXXXX  XXXX sent a follow up email pertaining to our conversation and will follow up prior to XX/XX/XXXX with a decision on my behalf. 
XXXXXXXX  I requested my right to access ( no response ) XXXX I requested my right to access ( n response ) XXXXXXXX  Filed complaint with US government accountability office
Product: Credit reporting or other personal consumer reports

Violation of Permissible Purpose : 15 USC 1581b ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) & 15 USC 1692c ; Responsibilities of Furnishers : 15 USC 1681s-2 & 15 USC 1635 & 15 USC 1692g The accounts listed below are not credit transactions initiated by me. I will be filing federal complaints against Innovis for their unlawful practices, violating my consumer rights. I have not authorized Innovis to report any information about me, nor authorize consent to my credit file. Their actions violate the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for reporting information. Innovis failure to comply with these legal requirements has caused severe damages to my credit standing. I request, the CFPB investigate thoroughly and ensure that the derogatory information is deleted from my credit report. Innovis failure to adhere to legal standards has significantly damaged my credit standing, the Illegal accounts are : XXXX. XXXX XXXX XXXX : # XXXX - {$2300.00} ( Opened : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX - {$0.00} ( Opened : XX/XX/XXXX ) XXXX. XXXXXXXX XXXX : # XXXX - {$4700.00} ( Opened : XX/XX/XXXX ) XXXX. XXXXXXXX XXXX : # XXXX - {$4400.00} ( Opened : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX : # XXXX - {$790.00} ( Opened : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXXXXXX, I/l : # XXXX - {$8200.00} ( XX/XX/XXXX ) XXXX. XXXX XXXXXXXX XXXX : # XXXX - {$0.00} ( Opened : XX/XX/XXXX ) XXXX. XXXX XXXXXXXX XXXX : # XXXX - {$1100.00} ( Opened : XX/XX/XXXX ) XXXX. XXXX XXXX Bank : # XXXX - {$1200.00} ( Opened : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX : # XXXX - {$2000.00} ( Opened : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX : # XXXX - {$10000.00} ( Opened : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXXXXXX : # XXXX - {$890.00} ( Opened : XX/XX/XXXX ) XXXX. XXXX XXXX : # XXXX {$7500.00} ( Opened : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX : # XXXX - {$3000.00} ( Opened : XX/XX/XXXX ) XXXX. XXXX XXXX : # XXXX - {$5300.00} ( Opened : XX/XX/XXXX ) XXXX. XXXX XXXX : # XXXX - {$0.00} ( Opened : XX/XX/XXXX ) Addresses : XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX This failure to prove the alleged debt is attached to me is a violation of my rights under federal law. I requested verifiable proof of this debt and clarification of how these alleged unauthorized accounts were verified, and I have not received anything. It raised concerns about their compliance with legal requirements. In accordance with the Fair Credit Reporting Act ( FCRA ), I have not given them the authority to access or report any information related to me and this is a violation of the FCRAs requirement for a permissible purpose in reporting credit information. I will be filing complaints at federal levels to address these violations and then seeking a lawyer.
Product: Credit reporting

Back in XXXX, 2016, I received my XXXX XXXX credit card statement with an annual fee of {$190.00}. Since i was n't using my card much I decided to close my account and paid the last bill for {$5.00} and the company agreed to credit me back the {$190.00} and they closed my account. In XXXX, 2016 I received a letter from a collection agency stating that I owe {$260.00} on my XXXX card ( {$190.00} in annual fee, {$27.00} late fee plus financial charges ). I have never used my credit card since I closed and I knew it was paid in full. I explained to the collection agency my story in writing and they agreed to close my case with {$00.00} balance. two weeks later I received my statement from XXXX showing a {$0.00} balance but my credit report is showing 30, 60 & 90 days late on my XXXX credit card and that 's hurting my credit rating due to this incorrect info that XXXX provided to the reporting agencies and that 's unfair.
Product: Credit reporting or other personal consumer reports

I called last year about my information be compromised by this company and nothing has not been done to fix this issue.
Product: Money transfer, virtual currency, or money service

My account is suddenly limited without any valid reason and I have not been able to get help from the customer service team. I have already provided all the information as asked by the PayPal team. But they are not ready to provide me any help and suddenly closed my account and blocked my money for 180 days. 
The email id associated with my PayPal account is : XXXX Email date whereby paypal states that i can no longer do business with Paypal is onXX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. I am an identity theft victim and I have absolutely no knowledge of the alleged debts listed on your website. I am an eyewitness the information is incorrect and I demand the validation of all debts alleged to be mine listed on your website. I have attached a copy of an identity theft report # XXXX filed with the XXXX XXXX XXXX and demand you cease and desist from the presentment of all information alleged to be mine in order to avoid any possible liable for the identity theft or data breach of personal information. please see attached documents
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, I requested a peer funded loan for {$550.00}, with fees and tip, I would be responsible for a {$670.00} repayment on XX/XX/XXXX. 

{$550.00} was confirmed and the funds were deposited into the Solo XXXX XXXX. I made multiple attempts to withdraw the {$550.00} to my checking account, normally an easy process. The transfer, despite a confirmed account, would not process. 

I then contacted Solo about this, and I got the same messages, that they would escalate the issue. 

Four days ago I started to receive repayment reminders for the the {$670.00} to be withdrawn on XX/XX/XXXX. Since I was not able to close the Solo account or cancel the loan, I contacted Solo and told them NOT to withdraw the {$670.00} since I could never access the {$550.00} due to their banking and app problems. They responded that they would do everything they could and once again said they were unable to close my account since there was an active loan. 

The {$550.00} is still sitting in the solo wallet. Today, Solo withdrew {$670.00} from my bank account. 

Ive reached out to solo to return the goods, multiple times today. Ive been stuck in a we are trying to help, chat, where they ask me to wait a couple minutes. The chat app claims they are human, XXXX. 

I understand they are being investigating for mis-representing fees, etc I just wanted to file a complaint about their theft of funds.
Product: Money transfer, virtual currency, or money service

Binance US is playing with people 's money. In the middle of a PANDEMIC. There are hundreds of customers complaining about not being able to access their money, frozen funds, lost money, zero responses, and no help. This should be embarrassing for ANY company that is in decentralized finance. It's shameful. I'm having this experience right now with a verification process that has been going on for months, with funds frozen in my account that I can not withdraw due to a delayed verification process. 

I started the verification process XX/XX/XXXX. They claimed it would take up to 15 days to fully verify. For SOME reason, you can not trade anything or withdraw anything until your account is verified, BUT you CAN deposit into the Binance wallet. Assuming this was only going to take two weeks, I transfered 1k worth of XXXX into Binance. However, the verification process is still going on, and I do not have access to trade or withdraw my money. 

I have reached out on various occasions to the company. They don't have a number to call so it's only through support tickets. Zero responses. I was finally asked to submit documentation again, and I did, but still, zero responses. That was at the top of XXXX. I started to reach out to them on social media like XXXX and XXXX they blocked me on XXXX. 

I am not the only one experiencing this. Every XXXX  on their XXXX  account has replies from angry users not being able to access their money or account.
Product: Student loan

I have submitted multiple payment attempts since XXXX XXXX. I have gotten payment confirmations for each attempt to bring my balance due current. A few days after each attempt Aidvantage labels my payment as " payment revered '' and then sends me multiple past due delinquency notice emails and offers payment assistance plans. I have verified all of my banking information online. It is correct. I have called my bank multiple times to ask why they reversed the payment and each time they tell me they never even received a request for payment from AidVantage for any of the attempts I have made to pay ON TIME. 
I now have accrued additional interest on my loans and am labeled as delinquent. I have reached out to AidVantage on 3 separate occasions and haven't heard back at all. No one will even give me the time of day and try to help. I feel as though I am being scammed out of additional interest and being spammed with past due delinquent emails and " do you need help making your payments on time '' emails. I do not need a special payment plan, I just need AidVantage to fix their payment portal and correct the interest problem and take the time to correspond with me regarding issues with their site, not my ability to pay.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXX XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX XXXX Balance {$6200.00} XXXX XXXX XXXX XXXX Balance {$2000.00} XXXX XXXX XXXX XXXX Balance {$1900.00} XXXX XXXX Balance {$2900.00} XXXX  XXXX XXXX XXXX Balance {$3200.00} XXXXXXXX XXXX XXXXXXXX Balance {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance {$2900.00} XXXX XXXX XXXX XXXX Balance {$6200.00}
Product: Debt collection

I received repeated phone calls from Kohls Department Store collections. They left prerecorded voicemail telling me to call XXXX at the following numbers and times : XXXX - X/X/17 XXXX XXXX - X/X/17 XXXX XXXX XXXX - X/X/17 XXXX XXXX X/X/17 XXXX XXXX X/X/17 XXXX XXXX - X/XX/17 XXXX XXXX - X/XX/17 XXXX I communicated to them that I would like only written notices from them concerning my bills but continued to receive calls.
Product: Money transfer, virtual currency, or money service

I sold a baseball ticket in 2018 using an online app that I forget. The money was paid to a paypal account. 

I am unable to withdraw the money.
Product: Mortgage

I was told by the bank I needed to be 90 days delinquent to modify my mortgage and my line of credit. I stopped paying both loans in XXXX XXXX. The property is worth XXXX and I owe XXXX. After speaking with an attorney we decided we needed modification. Bank of America did not provide me with corrected XXXX until 5 months ( XXXX/XXXX/XXXX ) into my delinquency. They provided a printed form with the wrong address on it which the IRS would not accept. I returned the correct form the same day I received it. They started writing off my loans less than 30 days later.
Product: Credit reporting, credit repair services, or other personal consumer reports

this company pull my credit with out my unknowingly I never give them my information are this company his purposely invaded my privacy. 



XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/2017 Type Collections Attorney Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The federal Education Department changed my loan servicer from XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX because I was placed on the Public Service Loan Forgiveness program. When the COVID forbearance ended in the XXXX XXXX began reporting my loan information to the credit bureaus but then XXXX did too. For both companies it was exactly the same amount so it looked liked my student loans were double what they were at over {$500000.00}. As a result, my debt to income ratio was too high for a home equity loan I applied for in XXXX. At that point I was able to still access my XXXX account online and it showed that my balance was XXXX and the account was closed. After I was rejected for the home equity loan, I tried to long back into my account at XXXX to dispute it with them but they now said my account did not exist even though I was logging in with my Social Security number and my birthday. I tried to call them but the automated phone system said the same thing and would not reroute me to a live person because it could not find my account. Finally I found a general line for XXXX  custome support, but the wait time was 411 minutes long. I opted for a call back and the system said it could be after XXXX before someone called me. They never called. I filed a complaint with XXXX on an email address I found on the XXXX XXXXXXXX page but the response said they were reporting a deliqincy on my account and referred me back to the credit bureaus for that information. The delinquency does not show up on the credit beaureus ' information for my XXXX account. I was also on income based and hardship deferrals throughout my time with them because my payments were impossible to pay while supporting my family of XXXX. All the credit bureaus and the XXXX XXXXXXXX people say I have to talk to XXXX to resolve the issue but I can't log into their online system or phone system because it says I do not exist in their system. The help they have given via email does not address the issue. I am at my wits end. XXXX owns my loans now and is my student loan servicer. 
I am paying my monthly bill with them and very close to forgiveness now. XXXX should not be reporting an open account for me or a balance.
Product: Student loan

I previously applied for an income base loan and was denied. Due to denial It has caused me the inability to pay and its XXXX for me and my family. Even at the time, i was paying tuition for my child who was attending XXXX XXXX XXXX. Its very expensive with that alone & the difficulties of paying her tuition and living was extremely difficult. The hardship is unreal and i just asked my loan company for help and was denied. It seems so unfair to ask fir help and be denied.
Product: Mortgage

I have a mortgage from US Bank on my house at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  As part of the mortgage US Bank collects escrow which includes home insurance and property taxes. For the year for XXXX, I have already paid the property taxes and nothing is due. 

I have conveyed this to US Bank in XXXX. As per the escrow rules, US Bank is supposed to recalculate Escrow and refund to me the extra amount collected. In addition, US Bank has an obligation to stop collecting extra money from me for XXXX for which it has no use. 

Despite being asked numerous times and making a declaration to CFPB that they will issue me a refund and adjust my payment, US Bank has not made this change. They continue to collect extra escrow from my account illegally every month. In addition, they illegally hold onto the extra escrow already collected from me. 

In XXXX # XXXX, US Bank had admitted their wrongdoing and told me they would fix it within XXXX business days of XX/XX/XXXX. That also did not happen and again they have stopped responding to me even on their escalation email : XXXX These acts are blatantly illegal and meant to harass home owners. In addition, US Bank has lied to CFPB about resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is taking more than 60 days to respond to my dispute. This credit reporting agency and the Company XXXX XXXX continue to ignore my letters and demand to delete this account. I want all incorrect names addresses deleted from my credit report. I also want XXXX XXXX XXXX XXXX deleted from my credit report this company is violating my consumer rights Under the FDCPA ACT, XXXX XXXX XXXX XXXX I am litigating at XXXX XXXX, Texas Court due to this company violating my consumer rights. A NOTORIZED AFFIDAVIT OF TRUTH FILED IN THE JUSTICE COURT PRECINCT XXXX XXXX XXXX, TEXAS Court CASE NO. XXXX is enclosed for your reference. 
Pursuant to 15 USC 1681 a ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which states. The term CREDIT CARD means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice, Congress said ANY card. The credit card is my social security card. This is the credit card is used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 
DELETE XXXX XXXX XXXX XXXX from my credit report right now to avoid this credit reporting agency being added to my lawsuit for violating my consumer rights by reporting illegitimate information on my consumer file. 
15 USC 1692e ( 3 ) debt collector can not be an attorney and an attorney can not be a debt collector. This is false representation. No communication should come from an attorney. Even if you are being sued by an alleged debt collector, an attorney should not be present. 
15 USC 1692j If any name other than your name is showing as the original creditor, it is a violation because you are the original creditor.

15 USC 1692b ( 2 ) Not state that such consumer owes any debt ; 15 USC 1692b ( 5 ) Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and FDCPA Discussion 15 USC 1692d ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 15 USC 1692b ( 2 ) - debt collectors are not allowed to use a logo To prevent me
taking action against Equifax, I demand you delete this account from my credit file and send me an updated and accurate copy of my credit report to my address above.