23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I noticed on my  credit score is low er, even when I do n't have any loans, and I pay all my bills on time. I checked on  XXXX   XXXX  report  XXXX  inquires for  XXXX  credit cards from Citi on  XXXX   XXXX   2016 . I never applied for those credit cards and never received any. I received only some card from  XXXX   XXXX  I never applied to. I was surprised, because I only tried to change my flight. That was my all encounter with   XXXX   - my work handled the flight change.   Best Regards
Product: Student loan

I am still waiting for Fedloan Services to publish the ability to recertify my income for my income based repayment plan. XXXX had me in the most expensive IBR instead of REPAY. I requested the least expensive option when I applied for the initial IBR from XXXX   because I was going to apply for public service loan forgiveness after 120 payments. 
My original payment was hundreds of dollars more than it should have been but I trusted that XXXX knew what they were doing. I had to have my payment recalculated last year to the repay IBR and it took so long to process Fedloan Services was sending me payment notifications for $ 1400+. Then when my payment was finally recalculated they made it so my new payment would not count for the first month against public service loan forgiveness. I also had to request a deferment for a month for the last 2 years because it takes so long to have them process the annual recertification. Once the magical new payment is calculated there is absolutely no time to budget for the new calculated payment causing a significant hardship and payments that dont count towards PSLF because they took so long it was either enter deferment or cough up $ 1400+ for a non IBR payment until they finally figure out their recalculated payment or risk my financial future and jeprodize my security clearance. 
There is no reason why the loan recalculation can not be done with months for the individual to plan for the new payment. 
Tax filings are due every year at the same time. They are using that information to calculate the new payment. There is no reason why if it takes months for a computer system to apply some magical formula that it can not be a process that starts in XXXX, the new payment is calculated by XXXX and the individual starts paying the new payment in XXXX instead of the current process that causes absolute anxiety and unnecessary deferments. 
My payment is always out of wack because my husband is XXXX XXXX military and his income changes depending on whether he is in a XXXX XXXX and his income is used to calculate my payment creating a marriage penalty that non married individuals do not have. If they were my husbands loans SCRA would apply ; however, it doesnt even though youre using his income for payment calculations. So it is ok to put a military service member in a financial hardship if it is the military spouses loans but not ok if its their loans. If the military service members income is used to calculate my payment then SCRA should apply regardless of whos name is on the loan. 
My calculated payment should be based upon my income as a government employee and should not have anything to do with my spouses income because a single person paying 10 % of their disposable income pays less than what the marriage penalty is.
Product: Bank account or service

My account has been hacked into and i am not getting any real assistance in resolving this is the second time i have opened an account with them and since then i have had numerous fraudlent account opened. Bank of America
Product: Debt collection

I noticed this company on my report recently and I have no clue who they are. I have never heard of Credence or done any business with them. The account says its affiliated with XXXX XXXX. I do not owe this company any money and this account is damaging my reputation with other companies I wish to have a relationship with as a customer. I'm demanding they tell me where this came from. The CFPB site is very informative and it seems like this company has violated a ton of laws under the FDCPA. I never received any notice before this went on my report, they have never sent me any documents with my signature on it, I never sent them or the credit bureau anything saying it was ok to put this on my credit and I surely NEVER gave XXXX  or any other company permission to share any of my private personal information with a 3rd party. I'm holding all parties accountable
Product: Checking or savings account

NAVY FEDERAL CREDIT UNION SHUT DOWN AND CLOSED MY CHECKING AND SAVINGS ACCOUNT, CLOSED MY OTHER PRODUCTS I HAVE WITH THEM NAVY FEDERAL ACCUSED ME OF HAVING A FRADULENT MEMBERSHIP AND THEY SHUT DOWN MY ACCOUNT AND STOLE MY MONEY I HAVE OVER {$140000.00} IN MY NAVY FEDERAL BANK ACCOUNTS NAVY FEDERAL REFUSES TO RELEASE MY MONEY THIS IS MONEY I USE TO PAY MY BILLS AND MY FAMILY WILL BE HOMELESS IF THEY DONT RELEASE THIS MONEY MY MONEY NEEDS TO BE RELEASED NOW ATTACHED IS MY SECURITY APPEALS FORM THAT WAS SENT TO NAVY FEDERAL
Product: Credit reporting

The Credit Reporting Agencies are reporting a Chapter XXXX bankruptcy discharge, identified by " case number '' : XXXX, on their own conduct and behavior. I did not give the Credit Reporting Agencies any Prior Direct Consent to communicate this information on my private credit file. Further, Bankruptcy Courts does not report or attempt to report Items on a consumers private credit file. These actions are solely being done by the Credit Reporting Agencies and/or their Agents. 

The reporting of this information is also obscene and profane which lead to the natural consequence being abusive to me the consumer before and after reading and hearing this information.
Product: Credit card or prepaid card

I had a meeting today with my banker to obtain a line of credit for my medical practice. He asked me about my XXXX XXXX and when I looked it up XXXX of the scores were in the XXXX 's and XXXX in the XXXX 's. I thought it was strange so I decided to look it up to see why it could have been so low. I saw that there was an account opened while My wife and I were in the hospital welcoming our second son. I have submitted a dispute with transunion, called the office in which the fraud has occurred, and the credit company in which extended the credit. I have not lived in the address provided for more than XXXX  years and I do not know of the number that was used in the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removal of the erroneous information about my accounts has been diligently neglected by Equifax Credit Bureau. I sent letters to Equifax Credit Bureau dated XX/XX/XXXX. As I reviewed my updated credit report for Equifax, the inaccurate information about my accounts is still on my reports. Equifax Credit Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX ***** Opened Date XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$320.00} XXXX XXXX ***** Opened Date XX/XX/XXXX Balance {$1200.00} XXXX ***** Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ***** Opened Date XX/XX/XXXX Balance {$50.00} XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) ***** Opened Date XX/XX/XXXX Balance {$50.00} XXXX XXXX XXXX XXXX ( XXXX XXXX OF XXXX ) ***** Opened Date XX/XX/XXXX Balance {$82.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/25 Subject : Request for Deletion of Student Loan From My Credit Report Due to FERPA Violation To Whom It May Concern, I hope this letter finds you well. I am writing to request the deletion of my student loan ( s ) due to a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ). The violation concerns unauthorized disclosure of educational records or failure to protect my privacy rights.

As you are aware, FERPA ensures that a students education records are kept confidential and are only shared under specific conditions. My FERPA was violated, such as unauthorized release of my personal information, discrepancies in amounts owed, disclosure to third parties without consent. 


This breach has caused significant harm, including mismanagement of my loan, impact on my credit, and unauthorized access to personal information. 

Given the violation of my privacy rights under FERPA, I respectfully request the deletion of my student loan ( XXXX ) associated with the accounts name : DEPT OF EDUCATIONXXXX  Account number XXXX. 
Amount : {$2200.00} Amount : {$3400.00} Amount : {$1800.00} Amount : {$3800.00} Amount : {$4900.00} Amount : {$2300.00} Amount : {$2300.00} Amount : {$5800.00} Amount : {$3500.00} Amounts : {$1800.00} Amount : {$3700.00} Amount : {$7200.00} Amount : {$2400.00} XXXX trust you will understand the severity of this matter and take appropriate action to resolve it promptly. 

Please confirm receipt of this letter and notify me of the actions taken. 

Thank you for your immediate attention to this serious matter. I look forward to your prompt resolution of my request. 

Sincerely, XXXX XXXX Account # XXXX
Product: Mortgage

My mortgage was transferred from XXXX to XXXX Loan Care LLC. 

I sent in a payment for {$1800.00} on XX/XX/2019. They cashed the check but applied the loan proceeds to a wrong account number. 

I notified them of this via Phone call to customer service. I spoke with XXXX. She said it would be reversed and posted to the correct loan in 4 to 5 business days.

After 5 business days, it was not corrected. I called Back.

This rep said she could see it was in process and check back on XX/XX/XXXX. 

I called and spoke with XXXX at XXXX on XX/XX/2019 and was told that nothing had been done.She did not know when it would be taken care of or what it would take to get cashiering to get the payment posted correctly.
Product: Debt or credit management

XXXX I was trying to build credit to buy a house and finance an automobile. They charged I believe XXXX $ and I also paid additional fee to settle some other items they said would help repair or give me good credit. Referred me to open sky secured credit card for a fee of XXXX $ and XXXX $ to put in the account ( amounts and dates could possibly not be exact ) but I was charged and my credit never changed and I was sent a bill in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$600.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$9000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$450.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance Owed : {$370.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$140.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXXBalance Owed : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXXBalance Owed : {$100.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$120.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$330.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$720.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$220.00}
Product: Mortgage

On XX/XX/2016 Bank of America acquired the servicing rights to my mortgage. I did not have an escrow requirement with the previous servicing company and have always paid all property taxes and insurance, both hazard and flood directly. Bank of America has informed me that their policy requires that flood insurance be handled through an escrow account and have sent me a notice requiring additional monthly payments to satisfy this escrow requirement. I do not wish to make payments into escrow and when I originated the loan I indicated as such and the previous lender/mortgage servicer was agreeable to that. I do not see why I should be bound by the policies of a new mortgage servicer when I had no choice in the transfer from the previous servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX. Account Name. XXXX XXXX. Account Name. XXXX XXXX Account Name. XXXX XXXX. Account Name. XXXX Bank. Account Name. XXXX XXXX. Account Name. XXXX. Account Name. XXXX. Account Name. XXXX XXXX. Account Name. XXXX Account Name. XXXXXXXX XXXX 

15 U.S.C 1681 section 602 A. I have the right to privacy 15U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my express written permission.

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 or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. C 6802. A financial institution may not, directly or indirectly through any affiliate, disclose to a nonaffiliated third party any nonpublic information unless the such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to Equifax disputing an account that is falsley being reported on my account. The account in question is - XXXX XXXXXXXX XXXX - XXXX. I requested for physical proof of verification and did not receive a response. 

I then sent another letter to Equifax on XX/XX/XXXX requesting for this account to be deleted as XXXX  and XXXX  deleted the account based on the lack of ability to properly verify the reported information being accurate. I received no response from Equifax. 

So I then filed a complaint through CFPB on XX/XX/XXXX. I received a response on XX/XX/XXXX that the company would investigate. It is now XX/XX/XXXX, and I have not received a formal response from Equifax on this investigation. I looked onto my credit profile today and saw that the account in question is still on my report. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, I am requesting Equifax to now delete this account off of my profile, as they have failed to properly verify this account.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX LA XXXX ; XXXX XXXX XXXXXXXX XXXX LA XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$520.00} ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX I could not pay my mortgage payments because of COVID-19 pandemic. I have two loan on my home. The problem is with my second mortgage. I applied for mortgage deferment and it was accepted. After six months my first was extended for another six months but my second was denied. The mortgage company started foreclosure notice. After trying to talk to them and explaining my job situation, they did not accept my reason for falling behind my mortgage payments. I borrowed some money and on XX/XX/XXXX made a {$1100.00} payment and on XX/XX/XXXX made a {$1000.00} payment trough my bank. The payments were returned on XX/XX/XXXX and XX/XX/XXXX because my loan was in default. Meanwhile I had to go overseas for work on XX/XX/XXXX. After trying to talk to them to buy some time unsuccessfully and with foreclosure proceedings going forward, again borrowed some money and made a payment on XX/XX/XXXX for the amount {$7100.00}. The foreclosure notices kept coming. On XX/XX/XXXX made a payment for the amount {$2000.00} and on XX/XX/XXXX made another payment for the amount {$3000.00}. After making payments and bringing my payments up to date. They charged me {$250.00} for late charges and drive by appraisal, I tried to talk to them to waive these charges because of the special situation of COVID-19 and jobs which I was having, but did not accept and they also reported my late payment to Credit Reporting Agencies. I have paid all the late charges and appraisal fees and I am up to date on my mortgage now. They could have helped by waving late charges and drive by appraisal.
Product: Mortgage

from mortgagee XXXX XXXX XXXX Loan # XXXX Rushmore Loan Management Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ON XX/XX/2022 XXXX XXXX  OPERATOR XXXX XXXX XXXX XXXX XXXX. REFUSE TO TAKE MY {$13000.00} DUES OVER THE PHONE TO HELP SAVE AND KEEP MY PROPERTY FOR ME AND MY FAMILY DESPITE MY EFFORT AND FIDUCIARY RELATIONSHIP WITH THE BANK SAYING THAT IS AGAINST POLICY THAT I MUST PAY THE FULL AMOUNT {$46000.00} DUE OR FORECLOSURE INSPITE OF ME BEING UNDER BANKRUPTCY CASE XXXX PROTECTION. PLEASE HELP.
Product: Mortgage

I had a second morgage on my old house with my exhusband. We were divorced and I have a quit deed on the property, as well as my exhusband taking full responsability for the loan on my divorce decree. The issue was it was a secure open line of credit so they still were holding me accountable for the payment. Intially Springleaf told me they were going to take me off the loan. AlI I needed to do was send them all the proper documents, which I did but they never took me off. I disputed the loan several times and it came back that I was responsable. Last year my ex decided he was going to stop paying the loan and now the loan has went into default and I have a negative charge on my credit. I again decided to contact springleaf about the issue and included my SCRA trying to come to a resolution but I never got a response back. I seeked help from a finacial advisor and was told to file a complaint here for help. I am an Active-duty Service Member and was told that my case should be handled by XXXX office.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act CREDIT TECHNOLOGIES, has violated my rights. 
By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, and in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( I ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX  XXXX. XXXX )
Product: Money transfer, virtual currency, or money service

I am filing 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, they dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electric fund act ( efta ) and regulation E. These actions have caused significant inconvenience and financial loss. I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency raises serious concerns about consumer safety
Product: Student loan

This company has a serve lack of knowledge. Numerous times I have been something and then call them back and be told misinformation. I am trying to pay back my loan faster and they hold my money and say that it goes towards the principle, but their is no principle only option. Then I was told that when I got my taxes to pay the balance that has been holding against and then the loan will be paid off. I do that and then I was told I was misinformed and still owed another {$1200.00}, meanwhile I was told only {$450.00} would close that account.
Product: Checking or savings account

This CFPB complaint has been filed to request FCRA 605B ( 15 U.S.C. 1681c-2 ) that check system reporting agency, block information on my report that is the result of identity theft, XXXX XXXX XXXX RTN/Acc # XXXXXXXX balance XXXX I went to a banking institution and wanted to open up a bank account but they told me my Chex systems account was a balance of XXXX but dont recall. This fraudulent inaccurate and false information result of identity theft and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) is a section of the Fair Credit Reporting Act ( FCRA ) that requires consumer reporting agencies ( CRAs ) to block the reporting of information in a consumer 's file if the consumer identifies it as a result of identity theft within 4 buiness days
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope you're doing well. I'm writing this compliant against the Certegy Payment Solutions , LLC. 

I tried to cash a check at XXXX. I was denied. The reason for the denial was that I didn't meet the acceptance guidelines. 

I haven't written a personal check in almost seven years. I would like a transaction removed from my report that was resolved. The see attached. There is no way this check from XX/XX/XXXX wasn't paid until XX/XX/XXXX. If this checks had been resolved why isn't this entire tradeline with XXXX removed. 

If any company that cashed checks and uses Certegy to VeriFLY the accuracy of my account. I will still come up flagged even though the issue of the check was resolved. I contacted XXXX. They don't have this check in there system. I would like this resolved item removed. My FCRA rights have been violated. 

Please clear my entire consumer report. I appreciate your time.