23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I submitted an income drive repayment ( IDR ) plan renewal application on XX/XX/XXXX. It is listed as received and still being processed on the servicer ( Mohela ) website, with my IDR plan set to expire on XX/XX/XXXX. My next payment in XXXX is listed as not being IDR eligible with an increase in payment XXXX my current payments. I am making payments under XXXX and for public loan service forgiveness ; it is imperative that all my payments are made. I have not received any communication as to why my XXXX application is delayed, have not been put on administrative forbearance, and have tried without success to reach a representative by calling the servicer. I request at a minimum to have communication and/or be put on administrative forbearance while the servicer finishes processing my application and tells me what ( if any ) other information the need.
Product: Debt collection

I was effected by COVID-19 & I explained that to them & they say that theyll work with me & they reported me60 days late & I was effected by COVID-19 & they told me that they would work with me under the cares act
Product: Money transfer, virtual currency, or money service

I had an unauthorized charge that kept coming out once or twice a month sometimes and I called Cash App to complain and ask them to call me back on XXXX XXXXXXXXin the morning. I had complained on their chat Complaint a couple of times and I have trouble seeing because I need new glasses so I asked them to call me back a couple of times and they did so I assumed it was safe this time answer questions from a call back, I got it was somebody pretending to be cash app. The first time I complained to the real cash app was from {$1.00} charge on XXXX. I got from a company called XXXX. Its sad that was not authorized. I dont know who that company. Yes cash app didnt stop to charge and then I got charged again from my account XXXX on XXXX XXXX. I got charged again in XXXX and sent couple of attempts in XXXX and have gotten attempts on the charge since I got scammed out of all my money by someone pretending to be Cash App Support. The people I talk to about the Cash App Support and the supervisors were very professional. They knew to call me back after I requested a call back from Cash App Support so theyre either into my account or theyre into Cash App Support and I looked it up showing off XXXX XXXX people or XXXX XXXX people got their information compromised at least and there was a guy from Cash App Support who stole a lot of information. They stole {$4700.00} from me because I just got done selling my stock because it was dropping dramatically that day or the or the following Monday so I had that much in my cash app. It was only going to be for a short time because I was going to bank it but I wanted that XXXX charge to come off and this is the third month in a row that Ive tried to get it to go off and XXXX is Cash App Support the real one that is what have stopped that charge or at least told me who the XXXX XXXX is so I could stop in and give me access to their information than I wouldve never been scammed on XX/XX/XXXX because there wouldnt have been on XX/XX/XXXX if they wouldve stopped it in XXXX like I asked him to, but was denied
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : U.S DEPARTMENT OF EDUCATION Account Number : XXXX Account Name : U.S DEPARTMENT OF EDUCATION Account Number : XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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: Credit reporting

I tried to get a credit report on-line and went directly to the web site of Transunion, thinking I was asking for my once a year free report. I was filling out a form when it disappeared and I thought an error had occurred and I would try again another time, or that I 'd receive my credit report in the mail. ( I did not realize this was an on-line report. ) I did NOT receive ANYTHING from Transunion - no credit report, no confirmation of any 'service, ' and no confirmation of any charges. Upon receiving my credit card bill, a {$1.00} charge ( on XXXX/XXXX/16 ) and a {$19.00} charge ( on XXXX/XXXX/16 ) showed up. When I called Transunion to ask about these charges, the C S Rep informed me I had signed up for a credit monitoring service and the {$1.00} was for the sign up, and the {$19.00} was an on-going monthly charge. I asked why I would do that since I knew I could get one report a year, free, from each of the XXXX agencies. I informed her that I had received no confirmation of signing up for any service, nor had I received confirmation of any charges to me. She said she could cancel the monthly service, but that she could n't refund the charges already made. She also told me I should have gone to XXXX for my free report, but I told her I did n't know that. I told her I would deny the charges, but then decided I should also file a report to explain what happened. I 'm XXXX years young - I certainly do n't need my credit monitored at my age!
Product: Mortgage

Okay our mortgage payment was {$1100.00} a month then for some reason months ago they sent us a letter stating our mortgage payment went up to {$1900.00} said our escrow account was short so when we called to find out what happened they told us that our taxes must have gone up so I called the town and town said our taxes only went up {$100.00} so we called them back and told them that wasn't the case the town told us that the Taxas hadn't been paid in XXXX and that year we were with XXXX  mortgage freedom bought us and paid XXXX and XXXX together so we were all caught up in my opinion they didn't do their due diligence when they closed on buying our house mortgage to make sure all the taxes were up to date now they're trying to push it off on us saying we didn't have enough in the account but when our account was set up it was set up to cover everything so when I contacted the company freedom mortgage I finally got somebody to look into it I kept calling back to find out what they found out and they said they couldn't get a hold of anybody at the tax place this went on for about 2 weeks finally I got mad and told them I'm going to get a lawyer and I have them straighten this mess out this is not my fault I have a escrow account for this reason and somehow you guys screwed up and trying to put it on us we have overpaid them {$3700.00} and the reason we know this is because we just got a hold of somebody that said that that is what we overpaid and they were going to look into it again this time when I called back they told me there was no overage and then we had to keep paying the the higher amount it seems like every time somebody looks into it and figures out what's going on the next time I call to figure out what where everything is at that person is no longer there and I have to start all over again this is getting tiring now they sent me foreclosure information so we had to do what they call a trial payment plan make three monthly payments on time and they'll put the next three behind in the back of the book I don't think this is fair because we did nothing wrong from the get-go it's screwing up my credit and I'm not happy about it I'm hoping you can help us really can't afford a lawer at this point and I forgot they told me not to make any payments until the trial payment plan was in place but took {$500.00} and put it in what they call unapplied funds
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting inaccurate information on my credit report.They are reporting a XXXX XXXX XXXX XXXX account that was open fraudulent in my name.Ive call the credit Burea and the company and no one want listen to me, They keep brushing me off.
Product: Debt collection

We received a " debt collections notice from Transworld systems , inc. for an {$84.00} supposedly from XXXX XXXX XXXX. We never received ANY communication from XXXX XXXX XXXX and when we looked at our XXXX EOB 's only one claim was filed with our insurance in the past 2 years, leaving a balance of {$12.00}. We have no way of verifying any of this to know if we actually owe this amount, and had we received a bill or any communication ( written or by phone ) we would have simply paid the bill. It seems as though this is either a scam, or at the very least, a poor attempt to collect a debt that we may or may not be responsible for. XXXX XXXX XXXX should have supplied the basic information of date of service, what was paid by insurance, and what was remaining so that we could arrange payment to them. This did NOT happen, and instead, they sent it to a collection agency with no attempts to contact us. We are not certain that we owe this amount, and can not verify it as it is past the time that we can obtain documentation from our insurance carrier. I am not even sure how to get proof that we do or do not owe this amount. It's beyond ridiculous that XXXX would not simply pick up the phone and call us prior to sending to a debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to notify the XXXX bureaus AGAIN that I was a victim of identity theft and that I would like these bogus items removed from my credit file as a result of the claimed identity theft. XXXX BUREAUS is obligated by FCRA 605B ( 15 U.S.C. 1681c-2 ) to REMOVE any items specified in Identity Theft. HERE IS THE LIST OF ITEMS THAT I WANTED TO REMOVE AGAIN! 


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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Debt collection

I dont have a contract with Debt collection agency synergetic communication. It was already disputed in past and was taking off from my credit report. But in XXXX was put back on to my credit report. 

File complaint number XXXX Which was resolved
Product: Credit card or prepaid card

Contacted XXXX XXXX to inform that I became ill and was not able to make my payments and worked out a payment plan. They instructed me that I was to make a payment of {$130.00} on XXXX XXXX it was deducted out of my account and arrangements were made for future payments to be deducted from my checking account starting with XX/XX/XXXX payment of {$75.00} and XX/XX/XXXX {$75.00} and {$75.00} thereafter until the account was brought current. With the APR of 0.00 % which is reflected in the interest charge calculation section of my monthly statement. I was contacted by Capital One informed that a payment has not been made on my account. I informed them that XXXX XXXX made the arrangements. I faxed over to Capital One Debt Management Program the letter they sent, along with the bank statements that were requested for them to research  and look into the case.
Product: Credit card or prepaid card

This is a follow-up on my earlier complaint with CFPB ( Complaint # XXXX ). 

On XX/XX/XXXX I called Goldman Sachs / Apple Card Services to make payments to my account since I had been unable to access account since XX/XX/XXXX after I called to dispute the error on my credit card statement. I also requested my XXXX credit card statement to be sent to my address since I couldn't access it ( given no access to my account online or on the apple wallet ). 

I received my XXXX credit card statement on XX/XX/XXXX. Upon review, I noted the following : 1. My XXXX balance is still showing that I purchased 2 ( XXXX ) XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX instead of 1 ( one ) XXXX that I purchased per Order # XXXX. 

2. I was charged an interest fee of {$22.00} based on the erroneous balance of {$1200.00} ( this has been incorrect since XX/XX/XXXX when Apple/Goldman added a product that I did not purchase on my balance ). 

It has been over 2 months since I notified Apple/Goldman Sachs about the error on my credit card statement but they have refused to update my statement and continue to charge my interest fees for an amount that I do not owe, and to report an incorrect balance to the credit bureaus. I have attached the following : - a copy of the XX/XX/XXXX credit card statement, - a copy of the XX/XX/XXXX credit card statement, - a confirmation for the XXXX purchase referenced ( Order # XXXX ) - a confirmation of the successful trade-in per Order # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several accounts that have been fraudulently reported under my credit profile. This dispute is submitted in accordance with the Fair Credit Reporting Act ( FCRA ), as my personal information and identity were compromised, resulting in the unauthorized opening and reporting of the following accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts were opened or reported without my knowledge or consent. This constitutes a violation of my rights under the FCRA, particularly : 15 U.S.C. 1681 Section 602 ( a ) Protecting my right to privacy and safeguarding against inaccurate reporting of accounts not belonging to me.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) Prohibiting consumer reporting agencies from furnishing accounts without my explicit written consent.

I have attached supporting documentation to substantiate my dispute, including : A personal statement detailing the circumstances surrounding the compromise of my identity.

Records pertinent to my case.

I respectfully request that the CFPB initiate a thorough investigation into these accounts, verify their validity, and ensure their removal from my credit profile. 

Thank you for your prompt attention to this matter. Should you require any additional information, please do not hesitate to contact me.
Product: Credit reporting or other personal consumer reports

There are a number of inquiries on my credit report that are fraudulent inquiries, I have NOT tried to apply for any credit other than XXXX XXXX XXXX XXXX also known as aa XXXX XXXX from the months of XXXX, XXXX, and XXXX I have spoken with agents from XXXX and XXXX and Transunion and advised that the ONLY inquiries that are mine are the once from XXXX XXXX XXXX XXXX and that rest ARE NOT A MATTER OF FACT. Under the Fair Credit Reporting Act section 1681c2. Block of information resulting from identity theft they must ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Remove the Inquiries, but because they are using a call center out of the country their agents are refusing to comply with the Federal Trade Commission and the Fair Credit Reporting Act. I was advised that they do not have to follow the law and that they have their own internal policy that they will follow. I asked that we go over all the inquiries and they stated that they would not. I requested that they send me a copy of my credit report and as of today, I have not received it. This request was made XX/XX/XXXX, XXXX it is now XX/XX/year>, so in a month they have yet to send me a copy of my credit report. 

I am requesting that they remove all the fraudulent inquiries from my credit report other than XXXX XXXX and that they send me an updated copy of my credit report. I have also spoken with an attorney to see about filing a lawsuit with the Federal Courts if they do not remove all the fraudulent inquiries from my credit report and send me an updated copy within one week of XX/XX/year> I have sent them a copy of my Drivers License and Security Card
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX XXXX XXXX and Premium Credit Bureau both ran my credit under false pretenses. I inquired about refinancing my home and let both parties know that I was self employed. I let them know that I was under the impression that they averaged out 2 years of income for your qualifying income requirements and if that was the case that I didn't make enough in XXXX to be able to be at the 2 year average I needed to be at. Both financial institutions told me that if I had been business 3 years or more that they would use one years tax returns to qualify me. After I gave my consent to run my credit and gave a copy of my XXXX Tax returns I got return calls from both mortgage brokers telling me that some thing had just changed and now they are requiring 2 years average of tax returns. I was outraged when they told me that because that is exactly what I had told them before they reassured me that I was incorrect. They are the professionals and should know that before giving me wrong information. When I expressed how upset I was and that they ran my credit for no reason neither of them could have cared less. I asked to speak with managers who said their employees did nothing wrong. 

This can't be how banks are allowed to do business, guessing and not having the correct, real time information before making a decision that impacts the consumer. I am about to refinance and there are 2 looming hard inquired on my credit that leaves such a bad taste in my mouth that I researched what I can do about it so that is why I am writing you today.
Product: Checking or savings account

XXXX the XXXX, XXXX I was tricked into signing this form because of them not being forthcoming. Plus the signature pad, I was told to only sign once on the signature pad and all other paperwork with signature, I didn't even see them nor read, at all, because the signature pad is not reader. I told by XXXX XXXX, " Just touch the spot, he didn't disclose anything or talk about what they were or anything. This is a scam!! Wells fargo bank refuses to get my down payment money back that I made with my debit card to XXXX  XXXX of {$6000.00} I took the car back immediately the very next day, XX/XX/XXXX, after learning of my financial fate that I had to read for myself at home, this paper work that contained the contract with the numbers was signed by a signature pad, and the print was not like the others that I signed I couldn't even read the forms on the signature pad. And I was told don't worry about trying to read it just touch the computer wand and my signature immediately appear on the forms. XXXX XXXX as a whole have several class action lawsuits against them all over the country for fraudulent conduct, that's their XXXX. Starting in XXXX, up to the present. I signed a fraudulent contract because XXXX never discussed the total amount of the loan, the cost of the loan, nor the terms of the loan. I have some medical issues and they took all day before giving me my paperwork, and my blood sugar was very low which caused me to become fatigue. Also, I couldn't read the forms that came through the signature pad, even with glasses I couldn't read it, According to the Truth IN Lending Act, I have 3 days to rescind this contract, if I had an inkling of the cost of this loan, I would have immediately walked out. I am a XXXX  XXXX  but dealing with XXXX XXXX XXXX contributed to my signing without documents. But also, it was never disclosed or brought to me. Also, my credit is very good, but they have on their website, that some of the cars were as low as 3.5 % or 4.9 % yet and still they charged me XXXX and that wasn't brought to my attention either. I was never told nor did he discussed the cost of this loan. They will do anything to lie, cheat and steal, to keep fraudulent activity from senior citizen, by any means necessary.
Product: Vehicle loan or lease

American Honda Financial failed to provide me with rights to reactivate the contract. The agent seemed to have less patience and willingness to speak upon finding out we were XXXX American. Under the terms of the lease based on California State Law for Equity in real colleterial, I was entitled to As the recipient and executor of the Estate I was entitled to take over the vehicle contract. American Honda received notification but chose to ignore the will or my right to exercise the contract. Then they told me I had no  rights with the vehicle.
Product: Credit reporting or other personal consumer reports

There is a closed XXXX account report on my credit report Ive never used or had XXXX service and I never lived at the residents the account is attached to its fraud
Product: Money transfer, virtual currency, or money service

I use Venmo at my craft fairs for credit card payments. Recently I sold some personal belongings and the buyer paid me with Venmo. However my payment is on hold, and I don't know why. They wanted tax information so I gave them all of my info. But I still can't access the funds. When I tried to submit my tax info again, the message I got was " You're all set ''. 
They buyer has also been trying to help get me my money. She tried to get the money back as a refund but they denied her " claim ''. 
I have been on the website dozens of times. Each time you click on something it just leads you to another set of questions and tips that do not address the problem. I can't get in touch with a human. I just wanted the money for XXXX.
Product: Credit card or prepaid card

Today, XX/XX/2022, I called Commenity Bank related to a Victorias Secret Card that has been closed, cancelled. This bank is charging a {$2.00} monthly fee that increases to more than {$30.00} of penalty. I called the bank, the person in charge called XXXX ( he did not want to forward a surname ) started babbling about the late fee for a card with XXXX transactions. He stated that the those are fees being paid late, perhaps, for XXXX XXXX I can not go on paying money for purchases not made and this people are capable of ruining my credit score. This is thievery to the highest scale.