23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

To Whom It May Concern,I read about the lawsuit against Navient filed by CFPD and came across your contact information (Case XXXX). I understand myself to be one of the victims; illegally cheated out of repayment rights for a long time.I spent many hours on the phone with Navient customer service many years ago requesting to apply any over payments to my unsubsidized loan. They told me repeatedly that I was not allowed to do that, and any over-payment would be split between the two loans. I was upset but I went along with it, assuming what they were doing was legal.Last year, I started taking classes again, and as a result my mandatory payments stopped and loans went into deferment. I logged on to make manual payments to my loans, and to my surprise they now had the option to pick which loan to make the over-payment to. So of course I picked the unsubsidized loan, and have paid about $1000 to the unsubsidized loan since. I have made all over payments to the unsubsidized loan since I started going back to school.I logged on today and noticed that even though I picked unsubsidized as my voluntary over-payment, they split my over-payment between the subsidized and unsubsidized loans!Please help me get justice on this.Sincerely,XXXX
Product: Debt collection

I recently received a debt collection notice from your office regarding an alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, this letter serves as my formal request for validation of the debt you are attempting to collect.

Until you provide proper validation, I request that you cease all collection efforts and refrain from reporting this debt to any credit reporting agencies. If you have already reported this debt, my dispute should be immediately noted on my credit file. 

In accordance with federal law, please provide the following : XXXX. Validation of the Debt The name and address of both the original creditor and the current creditor. 
A detailed breakdown of the amount you claim I owe, including fees and interest. 
Proof that a valid contract exists establishing this debt. 
XXXX. Proof of Your Legal Right to Collect Documentation of all assignments and transfers of this debt from the original creditor to the current creditor. 
Evidence that you have been legally authorized to collect this debt on behalf of the creditor. 
XXXX. Permissible Purpose for Credit Access If you have accessed my credit report, please provide the specific permissible purpose under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b that justifies this inquiry.

If you can not validate this purpose, I request that you remove any inquiries and cease further access. 
XXXX. Cease-and-Desist Collection Activities Until the requested validation is provided, please stop all collection activities related to this debt.

I also request that all future communications be in writing only. 

Notification to Other Collectors : If this debt is transferred or sold to another collection agency, you are required to inform them that this debt is disputed and provide them with a copy of this letter. 

Please respond within XXXX  days of receiving this request. Failure to do so will be considered a violation of the FDCPA and FCRA, and I will pursue my rights accordingly.
Product: Debt collection

" ERC Debt Collector '' keeps robo calling and I have absolutely NO debts and could not possibly owe any money to anyone. They call about three times a week leaving a Reference Number for this issue and their telephone number ( XXXX ). I have never called back as I do not want to be ensnared in a scam. How can I get them to stop without calling them back? Thank you.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting or other personal consumer reports

According to the Mohela Website there is an outstanding balance of {$9900.00} in student loans. Previously XXXX accounts consolidated into XXXX. After applying for loan forgiveness. All loans were removed from the servicer, my credit report and federal student loans sites. I have proof of this, happening XX/XX/2022. In XXXX of 2022, loans reappeared on all sites. Resulting in a huge drop of my credit score ( down XXXX points ). The consolidated loan in the amount of {$9900.00} remains on my credit score. It also appears as current balance with Mohela. I have requested explanation of this from the XXXX XXXX XXXX department, as well as Mohela with no response. I do not feel this was acceptable. I received email that all loans had been forgiven and have screenshots from federalstudentaid stating You currents do not have any federal loans or grants
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate information reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, on my credit reports with Experian, XXXX, and XXXX. The issue began on XX/XX/XXXX, when the account was first assigned to XXXX XXXX XXXX XXXX XXXX. 

Detailed Description of the Issue : Inaccurate Reporting : Date Reported : XX/XX/XXXX Balance Owed : {$360.00} Status : The account is being reported as unpaid and {$360.00} past due as of XX/XX/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 I sent a dispute letter to Experian requesting verification and correction of the account status and balance. I provided proof of payment showing the debt was settled in full. 
Date : On XX/XX/XXXX, I sent a similar dispute letter to XXXX, including the same documentation. 
Date : On XX/XX/XXXX, I sent a dispute letter to XXXX with the same details and proof. 
Despite providing clear evidence that the debt was paid in full with the original creditor XXXX, the credit bureaus did not correct the inaccurate information. 

Actions Taken by the Company : XXXX XXXX XXXX XXXX XXXX has continued to report the debt as unpaid and past due, despite receiving payment confirmation. 
The credit reporting agencies ( Experian, XXXX, and XXXX ) have failed to verify and correct the erroneous information after multiple disputes. 
Impact and Request for Resolution : The continued inaccurate reporting of this account has significantly impacted my credit score and my ability to obtain credit. The incorrect information suggests that I have an unpaid debt, which is not the case. 

Request for Resolution : I request that the CFPB assist in : Verifying the information with the original creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Correcting the account status to reflect that the debt has been paid in full. 
Removing any reference to the debt being past due from my credit reports with Experian, XXXX XXXX XXXX 
Thank you for your assistance in resolving this matter. I look forward to a prompt and accurate resolution.
Product: Debt collection

I 'm receiving these letters from this collection agency called Midland Credit Management Inc. and they want me to pay the amount of {$2000.00} and this is absurd. I have never conducted business with this company and I am disputing this claim. I do not know how these people got my full name and my address.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, Contacted Experian to have items removed from my Consumer report Because they the violated the following -15 usc 1602 -15 usc 1692 -FCRA section 605b in which I was not aware of nor did I give permission to have said items that were disputed to be reported on my credit report
Product: Debt collection

Contacted me using caller ID indicating the call was a " Political Call '' which is false. Misrepresented their company in order to elicit an answer to the call.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX date open XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Date open XX/XX/XXXX, XXXX XXXXXXXX acct XXXX XXXXXXXX acct XXXX XXXXXXXX, date open XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date open XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date open XX/XX/XXXX, Hard inquiries XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX inquired XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXX XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

This XXXX I visited one online website and paid {$45.00} for one month fee by using XXXX XXXX XXXX Mastercard, the website said I could cancel the service anytime ( as usual ). in XXXX I did not want to continue and thus I called the phone posted on the website to cancel the service and I waited almost one hour but no one picked up the phone, and also I could not find any other contact information. 
I called the credit card in the XXXX at XXXX and I was told that the charge - {$45.00} was pending ( XXXX XXXX ). I told the credit card customer service that I did not agree to pay anything more and I have called but I could not find the website owner, and thus I asked the credit card company to stop paying and mail me a new card. The credit card customer services agreed to stop paying and mail me a new card. After two weeks I received the new card and I thought the issue had been resolved. But in XXXX I received my statement the charge was still there and in addition, I was charged later fee and interests. I called credit customer service again in XXXX, I was told they were investigating and then I received a favorable letter from them, I thought the problem had been cleared, and thus I did not intentionally keep the letter. In XXXX I received billing again and I was asked to pay more ( the original charge + fees + interests ). I asked the customer service again and this time I was told my case had been transferred to dispute office, I spoke a lady in charge and it seemed the charge would be removed. But last week I received my monthly billing again as attached. the charge was still there and some later fee adjustment under my request. I called them again on XX/XX/XXXX and my phone was transferred to customer relation office and no one picked up the phone after one hour waiting. XXXX on XX/XX/XXXX, I called again and a lady in customer service answered my phone, she totally agreed with what I told her and she suggested me to call XXXX next day - XX/XX/XXXX during the regular time. I followed and called dispute office on XX/XX/XXXX, a man with heavy XXXX accent answered my phone, he told me they could not dispute the charge since this was recurring charge. I do not know who told him that, and also it is not a business of credit card company. I told him that I am the card holder and I have right to ask my card company to stop paying anything I did not agree, and they did not stop payment under my request, which was a misconduct. I feel the credit card company stick with some scam -like company together to damage their customers, the credit card provider charges customer later fee + interests and in the meanwhile the scam-like company makes money from customers. As a card holder, I feel losing control of my own credit card. Obviously I have spent a lot of time and energy but I could not stop them, and I need your help.
Product: Credit reporting or other personal consumer reports

I requested an investigation of incorrect information and proof of a wet signature from XXXX XXXX  via Experian disputes
Product: Checking or savings account

I have been banking with J. P. Morgan Chase for at least 15 years. Initially, I had access using my cell phone, and not long after, I had online access. I have XXXX checking accounts with Chase, a savings account and XXXX credit card accounts with Chase. Online access has played an instrumental role in staying on top of things. A couple of days ago, I tried to access my bills online. After entering my login information, a message appeared on the screen instructing me that I had to accept the agreement in its entirety or I could no longer have access to my accounts. Before I can continue to access my account, I must agree to electronic communication and authorize them for electronic signature. It is presented as agreeing or not to use our site even though we have your funds. This is unacceptable to me. I value my signature and don't feel comfortable approving someone to use it as they see fit without consulting me. I want to know when and why my signature is being used. I don't want to find out after the fact that something happened as a result of my authorizing the use of my electronic signature. That I did not agree with or approve of. It would also create a hardship for me to have to close out the accounts with Chase and seek out another bank to fit my needs. I don't think Chase should be able to block me from my accounts when I owe them nothing and they are profiting off my accounts. Having online access is very helpful in managing and keeping track of my funds.
Product: Mortgage

We sent to Select Portfolio on XXXX - XXXX XXXX a loan modification packet to modify our home loan to save our home Select portfolio is refusing to review our loan modification paperwork. 

We want to save our home and Select Portfolio is only interested in foreclosing on our home.
Product: Credit reporting or other personal consumer reports

My account with Experianwas never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached to this complaint is a Federal Trade Commission ( FTC ) Identity Theft Report in regards to the following fraudulent accounts thats currently showing on my Trans Union, XXXX and XXXX credit report : XXXX XXXX XXXX, {$8500.00} and XXXX XXXX/XXXX XXXX, the 2 accounts are fraudulent, unauthorized and not my accounts and want the fraudulent accounts immediately deleted from my Trans Union, XXXX  and XXXX  credit report.
Product: Mortgage

Bank of America is making the entire covid forbearance experience confusing and stressfull. I was given a 3 month forbearance. Before the process began B of A would say one thing and do the other. I began paying my mortgage again in full after the 3 month period ended. Then they sent an escrow shortage bill which I paid in full. I am behind 3 months which is to be expected and allowed per their instruction. Now I am receiving emails saying that I've made partial payments, which is not true. I've paid two months in a row and an escrow balance. The correspondence I've received is so confusing. I'm sure I'm not the only one. The bank really needs to get it together. They are taking my money and applying it in the wrong places and putting blame on me and threating foreclosure. They need to contact me outside of their website and app. This is not the way to assist customers in these difficult times.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 302 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.
Product: Credit card

On XX/XX/XXXX, during my son 's XXXX birthday party at home with friends and family, I received alerts on my phone from Chase asking about purchases from XXXX XXXX and a few other stores if they were my charges, I immediately selected NO on the text message and called Chase immediately to report the fraud charges. Chase said do not worry, you are protected, we will cancel the card and issue you a new card. Chase said I will not be responsible for the charges. They credited back all the charges that same day. 
On XX/XX/XXXX I noticed the charge was put back onto my credit card for XXXX XXXX in an amount of {$540.00}. I called Chase right away, and they said the merchant ( XXXX ) provided Chase with my billing address, billing name and delivery confirmation. They said XXXX XXXX provided proof that the item was delivered to my home. We told them we have never made this purchase and this item was not delivered to my house as it was stated from XXXX XXXX, this item was picked up by someone in XXXX, XXXX XXXX, which is far from my home. Chase requested that I send them supporting documents that the item was never shipped to my home and that it was picked up from someone at XXXX XXXX. I have been emailing them since XX/XX/XXXX, but each and every time Chase said they still have not received any email. I have cc 'd myself and my work email and received all the documents, so there is no way Chase is not receiving my emails. Every time I called to ask if they received any documents, they said no and said they would reopen the case. After a day they would close the case again and say I am responsible for the charges because they have not received any documents from us. I even went to a Chase branch to forward the supporting documents. Chase has been giving me the runaround and not resolving the case, I have been so upset that I have not been protected by Chase Credit Card. I have never disputed any charges from Chase before and I always pay my bills on time. Even for these charges I had to pay otherwise, I would be Penalized but its very unfair and unjust that I have to pay for something that I did not order or authorize. Chase needs to reimburse me!
Product: Credit card or prepaid card

Hello, I just got letter in the mail from Wells Fargo, its a home projects account, I just got the letter in the mail, I being charged TWICE, not only that that want another {$22.00} for installation fee plus {$76.00} late fee if Im not mistaken, That letter wasnt in the mail maybe a few days ago.normally they charge {$38.00} for a late fee. I admit I was a little late few times, I also paid it, last month I was charged a late fee, however I paid the late fee plus I paid them almost 3x the amount of what my monthly bill is last month just to stay ahead, I guess that didnt work in my favor. Ive been getting harrasing calls from them i keep getting them and I tell them to stop and they dont. Customer service reps werent much of a help. From my understanding they claiming I didnt pay them last month. I did pay them, this is not the first time this happened. Its effecting my credit score. They have suspended my online account, that makes it a little more difficult to pay them. Its stressing me out. They have done a lot people dirty.
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. Further, 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.