23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Good Afternoon, My name is XXXX XXXX and in XXXX of XXXX I was called by XXXX XXXX XXXX ( which was a contract debt collector for Sallie Mae / Dept of Ed. ). because my loan was in default status. I was told that in order to make a settlement for my loan that I could pay {$10000.00} and my entire student loan would be satisfactorily settled. I made a Payment on XX/XX/XXXX. I received a 1099 in XXXX from IRS of that year stating that my loan was statisfied and that my Tax returns would no longer be garnished. I have recently learned that XXXX went out of business shortly thereafter. 

In XX/XX/XXXX my data was transferred back from XXXX to Navient/ Dept of Education . At that time I started getting correspondence from Navient stating that this same loan had never been settled or paid at all. The full amount of the outstanding balance plus interest and late fees has been placed on my credit report. 


This is severely problematic because I currently work in finance and this large debt of {$30000.00} is causing my credit score to be lowered because it increases my debt to income ratio for this amount of unsecured debt that I am responsible for has the credit appearance that I am irresponsible with finances. An additional injury was that In XXXX I had to leave a position as a XXXX in the XXXX  XXXX XXXX because my security clearance was being reviewed and faced adjudication because of this large debt. I would have been fired for financial concerns. 

I have contacted Navient and the credit bureaus on several occasions. I am now asking that the CFPB get involved so that I can securely work without fear of this negatively impacting the way potential employers view me. I would like someone to review this matter and my loan because this is causing me severe economic harm. 


Respectfully, XXXX XXXX ( XXXX ) XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I tried to borrower {$3000.00}. I was directed to this site and it initially said 3-35.5 % interest. When I filled out the loan app it came back at {$2500.00} for 35.5 % interest. I agreed because I knew I was paying it off with my XXXX paycheck. When I received the contract to sign, the interest rate was changed to 538.42 %!!! The re-payment schedule was {$510.00} bi monthly for the next 16 months! A total of {$16000.00} to borrow {$2500.00}! The BIGGEST issue to me is that I was quoted 35.5 % interest. NOT 538.42 %! What if I had just trusted them and signed without reading the fine print and all documents? I did NOT sign but wanted to report because I feel strongly that this is predatory lending!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$27000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$13000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$11000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXXXXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$10000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.
Product: Credit reporting or other personal consumer reports

XXXX. XXXX, 2024, {$XXXX} And Trans Union, XXXX XXXX According to 15 U.S.C 1692C ; you have violated my right by in lawful communications. Please remove this collection off of my credit report
Product: Credit reporting or other personal consumer reports

These inquiries did not have approval to run my credit on XX/XX/2022, XXXX XXXX XXXX, MIDWEST ACCEPTANCE CORPXXXX, XXXX XXXX XXXX, XXXX. Please remove these from my credit report.
Product: Bank account or service

I received an overdraft fee from Bank  of American  on  XXXX  saying my account was overdrawn. I have a pdf of my online bank statements that shows based on what Ba nk of America  was showing me that I had sufficient money in my checking account ( as well as  XXXX  in my saving that I easily could have transferred over if I was in fact close to being overdrawn ). Talking with B of A they informed me that what I was seeing was my " statement balance '' as opposed to my " actual balance ''. If you look at the pdf, it states that it is showing my " actual balance '' and not my " statement balance ''. This seems like a deceptive practice that even the B of A person I spoke to admits is " happening to a lot people ''. This practice needs to be reviewed and I believe is set up to increase the amount of fees B of A can collect
Product: Credit card or prepaid card

I, XXXX XXXX, applied for a Pre-approved Credit Card and was approved for a Credit Card via XXXX  for {$1000.00} Credit Line on XX/XX/XXXX. I received a credit card onXX/XX/XXXXand proceeded to activate my credit card via phone for purchases. The automated credit card services at XXXX ( XXXX ) indicated that my Credit Card Balance of {$1000.00} is available for purchase. I was later informed via email address ( XXXX ) that I needed to submit via uploading into their website additional verification information ; specifically copies : Social Security Card ; Recent Utility Bill, and Drivers License in order to gain access to my Credit Card Line of Credit. I proceeded to email and upload all requested documents on XX/XX/XXXX and XX/XX/XXXX.

I called XXXX   at XXXX to inquire about the status of receipt of my required identification documents and the customer service representative verified receipt of my Drivers License and XXXX XXXX XXXX  Utility Bill and indicated that for some reason Card Services could not receive the emailed uploaded copy of my Social Security Card which was very concerning since Card Services received the Drivers License and XXXX XXXX XXXX Utility Bill from the identical email address : ( Support ) XXXX.

I spoke with a Card Services Representative about their indication that my copy of my Social Security Card was not be received mysteriously and I re-emailed it at least 4 times ( between the dates XX/XX/XXXX and XX/XX/XXXX ) and 3 times while the Customer Service Representative was on the phone line around XXXX XXXX CST on XX/XX/XXXX. No plausible reason was provided as to why my Social Security Card was not received which is sensitive personal indentification information.

On XX/XX/XXXX, the Customer Service Representative did not provide an alternate email address for me to upload and email my Social Security Card in order for my Credit Line to be made available. I was simply told that my Credit Card will not be activated until XXXX  receives a copy of my Social Security Card. I am extremely concerned that my personal identification information has been obtained for Fraudulent Reasons and never was intended to provide me a Credit Card Line of Credit. I requested to escalate my concerns to a Supervisor and was denied an opportunity to complain to a Supervisor or Member of Management for review.

I had no other choice but to file a complaint with CFPB on XX/XX/XXXX to protect my personal identification information to avoid potential fraudulent activity with personal identification information submitted for XXXX Credit Card approval and usage.
Product: Debt collection

I moved out of apartment on XX/XX/XXXX, due to the apartment not being able to get XXXX roaches removed from my apartment after a few months of complaining. I'm allergic to them and was getting really sick. On XX/XX/XXXX, I requested an invoice from the XXXX XXXX, but they were under a different management, and I was given a contact to reach but it was only by email you could reach them. They did send me an invoice, but after reviewing the invoice, I noticed some information was incorrect. They were charging me extra for floor patching ( which I have pictures of the carpet looking better than when I moved in ), gas reimbursement charges ( gas was in my name, so how do I owe them? ), rent after I had already moved out for the following month, and trip service charges. I tried to reach back out to them to get this resolved but got no reply back. I do not feel like I should have this on my credit report when they are trying to add charges and my deposit should have covered the realistic amounts, if any. The place was left better than when moved in, other than the roach infestation the surrounding tenants had, and apartment complex was not fixing.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has been reporting inaccurate information on my credit report. I under the FDCPA and FCRA 50the information is reporting g inaccurate. This information is harming me and my family and I will be forced to seek legal counsel. All information is supposed to be reporting accurate and attached I uploaded my report to show they are violating by not reporting accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I wrote to Transunion asking to verify items on my credit report that were inaccurate, incomplete and incorrect. On XX/XX/XXXX I received a letter stating that they don't believe i sent the letter. ( Stall Letter ) Upon sending my dispute letter to Transunion I attached a copy of my Identification as well as a piece of mail to verify my Identity. My concerns about my credit report were completely ignored. An attempt to even investigate my concerns was not completed. Section 611 ( a ), states that failure to investigate these items within 30 days is grounds for immediate removal. According to the the FCRA all unverified accounts must be removed.I demand these accounts be deleted immediately or a small claim action will be taken. Seeking {$1000.00} per violation for 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury
Product: Credit reporting

I have XXXX student loans that were transferred from XXXX XXXX to XXXX and they are both XXXX reporting late payments. So I have late payments showing up for the closed XXXX XXXX accounts that were transferred to XXXX and then XXXX is reporting the same late payments on my credit as well. So the same late payments are being reported XXXX from the old account owner and the new account owner.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because my credit report contains inaccurate, erroneous, and incomplete information regarding [ specific account name/number ]. Despite disputing this information with the credit reporting agencies and the data furnisher, they have failed to correct or remove the inaccuracies as required by law under 15 USC 1681e ( b ), 15 USC 1681i, and 15 USC 1681s-2. I request the CFPB 's assistance in ensuring the removal of this account and a correction of my credit report to reflect accurate and verifiable informationXXXX XXXX shows the date of last activity inaccurate, date opened inaccurate, show as paid collections. Cant be a collections if its stating paid, date of last activity is inaccurate.. 

this is a violation of my consumer rights..
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent inquiries and personal information from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any inquiries and personal information listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of inquiries and personal information that do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

On XXXX XXXX my husband received XXXX  at XXXX XXXX XXXX XXXX. We never received a bill from the XXXX XXXX until XXXX of 2023 and it was a statement from Mountain Land Collections with interest and fees added to the original amount due. We had never received a statement from XXXX and had no idea what this could be for as all providers had billed us and were paid in full in a timely manner. Their statement to us only listed a balance due and the interest due and EPIC being the assigner of the account. We contacted Mountain Land immediately and requested a copy of the original bill so we could verify its legitimacy and that it had been processed by our insurance company and that the charges were correct. We made arrangements to pay them {$200.00} a month due the XXXX of the month and requested a copy of the original bill. They sent us a copy of the same summary and not the original and told us we needed to sign a contract with our agreeing to pay all fees and interest. This had every appearance of a scam and made another request for an original statement. They served us papers on XXXX XXXX, XX/XX/2023 after we had made two- {$200.00} payments as agreed, XXXX and XXXX. We contacted them the very next day and asked why they had done this and was told it was because we hadn't signed the contract. We have made requests of both XXXX and Mountain Land to remove all interest and fees as we have complied with the terms of the payment plan and that we have been cooperative. When we finally received a copy of the original bill on XXXX, verified it, we sent a check for the remaining balance or the original bill. We have filed a complaint with XXXX XXXX XXXX as XXXX has a one star rating on XXXX with 109 reviews which cite similar experiences as ours. We have felt very bullied and have not had our emails returned from Mountain Land requesting removal of these unnecessary charges and an itemized statement from them as they keep adding charges to our account.
Product: Debt collection

I would like to file a complaint against XXXX and Enhanced Recovery Co. XXXX. 

We notified the cable and internet company XXXX that we would be moving from XXXX XXXX to XXXX XXXX XXXX in XX/XX/2017. They informed us that we had signed a 2 year contract for their services. We mentioned that we would happily either move our services to our new home in XX/XX/XXXX and or switch our account in XXXX to our new tenants renting on premise. 

XXXX informed us that they do not service our current address in XXXX XXXX and that we could not switch the account to our tenants. We argued that " if you can not provide us service at our new home, how could you not release us from our contract? '' We believe that these business tactics by XXXX and their collection agency Enhanced Recovery Company ( ERC ) are unfair, unethical, and irresponsible. We have had multiple conversations with both entities to inform them that this charge of {$800.00} is unwarranted and bogus. As longtime client of XXXX our account was otherwise always in perfect standing with timely payments ( automatically paid every single month during a 5 year period ). 

As a consumer, the charge is now impacting my credit score and I would like to rectify the situation. 

Thank you in advance.
Product: Checking or savings account

AT ACCOUNT OPENING THE BANKER DID NOT FOLLOW MY INSTRUCTIONS TO DEPOSIT MY MONEY INTO CD AND ONLY OPENED CHECKING ACCT. MY INTIAL AND ORIGINAL REQUEST WAS TO OPEN CD AND CHECKING ACCT. I ACTUALLY OWED A DEBT WHICH I HAD TO PAYOFF THEN I WAS ABLE TO OPEN AN ACCT WITH CHASE. ALL I KNOW IS I WANT TO WITHDRAW MY MONEY AND CLOSE THIS ACCT AND I CANT. CHASE EMPLOYEES HAVE DISCRIMINATED AGAIST MY AGE, GENDER, AND XXXX I WILL FILE LAWSUIT.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to bring to your attention some discrepancies I have discovered on my credit report, which I reviewed on XX/XX/year>. I have found that certain information related to the following accounts is incomplete and inaccurate : Account Name : XXXX XXXX XXXX, Account Number : XXXX Account Dates are Inacurate. 
Account Name : XXXX Account Creditor Information : XXXX XXXX XXXX XXXX Account is Inacurate Due To Fruad By Someone Else. 
Account Name : XXXX XXXX XXXX, Account Number : XXXX Account Dates are Inacurate. 
Account Name : XXXX XXXX XXXX, Account Number : XXXX Account Dates are Inacurate. 
Account Name : XXXX XXXX XXXX XXXX, Account Number : XXXX Account Dates are Inacurate Due To Fraud By Someone Else. 
Account Name : XXXX XXXX, Account Number : XXXX Account Dates are Inacurate. 

As per the Fair Credit Reporting Act, it is incumbent upon consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information pertaining to the individual for whom the report is prepared. 

I kindly request that you review these accounts and rectify any inaccuracies at the earliest. Your prompt attention to this matter will be greatly appreciated. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I successfully placed a security freeze on my XXXX and TransUnion accounts. After 3 attempts I froze my XXXX account ( XX/XX/XXXX ) using self-service IVR. Freezing my accounts was in response to XXXX  announcing a security breach effecting millions of accounts. I find it unconscionable that I would be charged {$5.00} for freezing my accounts, then {$5.00} to each company when I want to unfreeze accounts.
Product: Mortgage

On XX/XX/XXXX I called my mortgage Penny Mac and informed them that I wasn't able to make my XXXX payment of {$1400.00} and what were my options. The agent informed to that they have loan modification and I began the process of giving information to see if I qualify for a Loan modification. The agent asked me financial questions and said that I prequlified. He said that I will received updates on my account. So I checked my account and sent over financial documents including banking documents. I waited till XX/XX/XXXX and I received a call from Penny Mac stating that I was approved for the loan modification and I great what's the next steps he said some one will call me within 3 business days and explain the program and them he said do you have any other questions. I said yes I have paid my XXXX or XXXX payment should make a payment now. He said no and wait until the other agent calls me and also said they will add the payment to the loan modification in small increments. I said ok and waited until I got the phone call XX/XX/XXXX and agent called me and said that we was going over the program with me and said that I was approved for a repayment program and that it will run from XX/XX/XXXX to XX/XX/XXXX and first payment would be {$2100.00} which is more that my regular mortgage. I was shocked that they would put me on a program like this knowing that I couldn't pay the {$1400.00} how on earth will I pay over {$2100.00}. They said that program will help me catch up on my payments, I was like how is that helping me in my situation. They said we can cancel this program and see if you qualify for anything else. I was like why wasn't that done to begin with?
Product: Checking or savings account

My account was closed. The company did not provide any informarion
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN THE VICTIM OF IDENTITY THEFT AND EQUIFAX REFUSES TO OFFER ANY RESOLUTION WITH CORRECTING MY NAME AND ADDRESS TO MATCH MY DOCUMENTS AFTER SENDING IN MY LICENSE, BANK STATEMENT, SS CARD ETC I SPOKE WITH A SUPERVISOR ON XX/XX/2023 AFTER AN EQUIFAX REP UPDATED MY INFO INACCURATELY ON XX/XX/2023 AND HE REFUSED TO OFFER ME ANY RESOLUTION - XXXX F Employee ID XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I got my credit reports and discovered several fraudulent accounts on my credit report. I've tried to fix it with XXXX, XXXX, and XXXX but XXXX reinserted the fraudulent accounts back to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed late in XXXX that XXXX XXXX has reported inaccurate information on my credit reports. My credit reports shows that i have been late a total of 13 times and that's not accurate. I contacted XXXX XXXX several times to resolve the issue. They informed me that I was only penalized four late payments since the credit card was established. Out of the four, two of those late fees were disputed and refunded to me, and that information is Highlighted on the statement summaries attached to this complaint. On XX/XX/XXXX, I had a late fee which was Adjusted after I called XXXX XXXX to dispute that it was an error on their end which they agreed to. The adjustment can be seen on my XX/XX/XXXX statement summary. 
On XX/XX/XXXX, I had another late fee of {$35.00} and it was also refunded and can be seen on the XX/XX/XXXX statement summary. I reached out to XXXX XXXX to inform them that Experian has 13 late payments on my report and they told me it has nothing to do with them because their system doesnt show 13. I was advised to contact Experian and have them correct my report. I filed two disputes through Experian to have the report corrected and XXXX XXXX failed to reply to the them in time. I filed another this dispute with XXXX on XXXX XXXX and never received a response from XXXX XXXX. It is absolutely absurd that XXXX XXXX refuses to correct my reports. How can they report me for 13 late payments when i was only late and penalized 4 times?
Product: Money transfer, virtual currency, or money service

I am filling 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 for these violations.