23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My loans are currently serviced by EdFinancial. They are ten year standard loans, and I have not changed my repayment plan from what was defaulted. When interest accrual resumed on student loans in XXXX of 2023, they quoted my monthly payment to be ~ {$1300.00}, a roughly {$300.00} overcharge based on calculations by both EdFinancial and Studentaid.gov. I reached out in XXXX via email regarding this discrepancy, which they acknowledged but did not explain. I was told to wait 7-10 business days for resolution, then 30 business days ; during this time I paid off one of four loans in its entirety. My monthly balance shifted slightly in XXXX, but was still an ~ {$130.00} overcharge. I reached out again ( first by phone, then again by email ) about the continued discrepancy in XXXX, having already made one overcharged payment. They again acknowledge the discrepancy and change my loan balance, but this time it is much lower than my estimated monthly payment. On the statement provided to me regarding this change, they quote my monthly payment as " {$800.00} '' ( this is correct ) and yet in the schedule of payments section have me billed at {$750.00} for the next ten years. 

I submitted a complaint to studentaid.gov and have not received any response after two months.
Product: Checking or savings account

Last year ( XXXX ) I was dealing with XXXX but they were taking hidden fees out of my SoFi account. I contacted them and told them I didn't want an account anymore so I paid all my debts. Today ( XX/XX/XXXX ) they sent me an email stating they pulled money from my SoFi account alleging I have a debt from XX/XX/XXXX in the amount of {$230.00} and they just took money out of my account for it. SoFi was aware of the fact that XXXX had been taking money out of my account last year and said they were going to block this merchant. They failed to protect my money and allowed this merchant again to pull this money from my account.
Product: Debt collection

XX/XX/XXXX approx. XXXX XXXX c.s.t I received a call from a woman named " XXXX '' at ext XXXX who said she was with XXXX XXXX and collecting a debt from XXXX about a XXXX computer from back in 2007. I immediately told her this was fraud and explained I was requesting a full validation of debt as per my rights with the FDCPA. On XX/XX/XXXX I received a packet from XXXX XXXX that was what they call a " Fraud/ID Theft Handling Packet '' and in this packet they are requesting I write to them critical personal information including my date of birth, social security #, my home and work phone numbers, current and past addresses and tell them about the fraud. 
Also on the letter it states that the creditor is XXXX XXXX XXXX XXXX and I have no idea who that company is either. I do not feel comfortable giving this information to a 3rd party collections agency that obviously ca n't validate the debt they are claiming to represent that is already over 10 years old, has NEVER been on my credit report, and I have never owned a XXXX computer nor bought ANYTHING on XXXX! I feel this is a complete scam, the XXXX XXXX XXXX has an A rating with the BBB with over 90 complaints so we know that they obviously buy their rating.
Product: Debt collection

I was contacted by this company on XX/XX/2019 at my work and made arrangements to repay a debt that I owe and asked that they not call my work number and they continue to do so, they're calling several times a day on both my work and my personal cell phone number. I don't care if they call my cell phone, but they're harassing me at work which I've asked them not to.
Product: Debt collection

Ive lost count the number of times they called me. I quit answering my phone with unknown numbers. I made the mistake of acknowledging a debt from them and ended up having to pay it all again after it was settled with the the original credit card company. They made agreements and then didnt honor them. This place is a total disaster and very unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company AMSHER COLL ( Original Creditor : XXXX XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$220.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit card

Hello, I am a XXXX who just received my social security card from the US government as I began working on a XXXX funded program. Since I had no credit history, I applied with Wells Fargo bank for a credit card. The application was denied and I was kept in the dark for a week and only received this information when I called up their customer care service. The reason for rejecting my application was lack of permanent residence proof and when I said that I have a SSN, they asked me to fax it or go to the Bank and a representative would do it for me. I went to the branch at XXXX, XXXX and also gave them a copy of my employment letter and the representative said she would call me up the next day and let me know the status. She did not bother to do so and I had to call her and leave my number twice the next day. When she finally attended my call, she said that the application was rejected. I know that Wells Fargo was in the news for cheating its customers last year, this just proves that their service is deteriorating too. The exhaustive process not only affected my credit rating, but also consumed a lot of my time.
Product: Credit reporting or other personal consumer reports

This CFPB complaint is being filed to request, pursuant to FCRA 605B ( 15 U.S.C.1681c-2 ), that TransUnion, as the credit reporting agency, block the information appearing on my consumer FICO credit report that is the result of identity theft and fraud.This action should be completed within 4 business days of receiving this complaint.The following is a summary of the fraudulent activity : **Credit CardFraud : ** -**Account 1 : ** XXXXXXXX XXXX - **Date Opened XXXX ** XX/XX/XXXX -**Account Number : ** XXXX - **Amount : {$2200.00} - **Details : ** This account was opened fraudulently under my name. I did not apply for this credit card, and I had no knowledge of this account until it appeared on my credit report. -**Account 2 : XXXX XXXX - XXXX Opened : ** XX/XX/XXXX - **AccountNumber : ** XXXX - ** Amount : {$11000.00} - **Details : ** Similarly, this account was also opened without my authorization. I did not apply for this credit card, and it was only brought to my attention through my credit report. - **Account XXXX : XXXX - **Date Opened : ** XX/XX/XXXX - **Account Number : XXXX - ** Amount : {$640.00} - **Details : ** This credit card account was opened fraudulently. I did not authorize or apply for this account. **LoanFraud : ** -**Account 4 : :** XXXX ( Personal Loan ) -Date Opened : ** XX/XX/XXXX - **Account Number : ** XXXX - Amount : {$530.00} - Details : ** This personal loan was also opened fraudulently. I did not apply for or authorize this loan. These accounts have led to 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 copy of the consumer FICO credit report maintained by XXXX, which shows the fraudulent items mentioned above. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. These items were not opened, made, or initiated by me, and all are the result of identity theft and fraud. To support my claims, I have filed a police report with the XXXX Police Department in Florida regarding this identity theft and fraud and have attached a copy of the report for your reference. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the electronic funds transfer act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX  Balance : {$620000.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$5200.00}
Product: Debt collection

Dear, AMERICAN EXPRESS This letter is being sent to you in response to : Response to a listing on my Credit Report.

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following XXXX, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Sincerely, Autograph By : XXXX XXXX
Product: Credit reporting or other personal consumer reports

CFPB Writeup : 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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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: Credit card or prepaid card

Starting on Sunday, XX/XX/2022 Bread Financial dba/Comenity Bank started a major software update of their banking system. Something went wrong and their whole credit card processing system crashed. At first you couldnd use your card for purchases. Purchaces were denied for insufficient funds because their website wasn't reachable. They got the sales network patched, but you still couldn't log in to check expenses, balances, or make payments. Now they've patched the payment end by having you go through their " XXXX XXXX '' but you have to enter your card number, zip code, and last 4 digits of your SSN. There you can see your prior payments & balances and also make a payment. You still ca't see your purchase details. It has been 42 days since they crashed their system. I don't know if CFPB can levy punitive damages or otherwise force them to hurry up and fix it. This needs to end very soon.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the numerous attempts made by your organization to immediately correct a late open account on my credit report. I believe there XXXX be a misunderstanding or an error in this process, and I am seeking your assistance in resolving this matter promptly. I have been meticulously managing my financial obligations and monitoring my credit report to ensure its accuracy. However, over the past several months, I have noticed several erroneous attempts by your organization to correct a late open account on my credit report without my consent. 

I would like to clarify that the late open account in question is indeed accurate, as it represents a past financial issue. While I understand the importance of rectifying any inaccuracies on my credit report, this late open account is a true reflection of my financial history and should not be corrected without proper evaluation. I firmly believe in the importance of accurate credit reporting and am committed to maintaining a truthful credit history. However, I must insist that any changes made to my credit report should be based on accurate and verifiable information. With this, I am asking for your assistance to correct the account : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$7500.00}.
Product: Money transfer, virtual currency, or money service

I signed up for PayPal to receive payments for my online Business and also pay for my stuff using the same platform. On the XXXX of XX/XX/2022, I added my credit card details to my PayPal account and was charged {$1.00} for adding my card and was still charged {$1.00} to verify I was the account owner the verification money was never returned to my card of PayPal Merchant XXXX. I gladly provided the files required all was fine then I clicked on the home page I saw my account has been permanently limited. I feel misjudged and I really want my account back
Product: Debt collection

XXXX phone was XXXX account was # XXXX said it was a chase card from 2010 with a XXXX balance. 
Supervisor threatened me with legal action and i told him I need him to send me any and all paperwork regarding this cards detail, purchases with any and all information. XXXX XXXX XXXX XXXX claimed to be the supervisor or ceo of this collection Agency called XXXX XXXX XXXX. Sent two emails to get more info on this account. He sent me a very strange email to docusign something that I did not open. I emailed him back to get more information again and have not got a responce back. I have no idea what this guy is talking about as far as this credit card. I believe the person and this company are fraudulent. If I owe someone money I do pay them back. This is a scam. I do not believe any information he gave me about his name, title or company name are true. 
this needs to be reported. 

All of this correspondence happened on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My creidt score is and was always in the XXXX. 
I am a US VEteran. 
I never received a call notification from a hospital bill ( from the XXXX XXXX ) The bill was {$300.00} dated on 2013. 
Three weeks ago my credit score went down to XXXX and as of now it's still XXXX
Product: Checking or savings account

The previous complaint was not a duplicate it is the ongoing underline actions that they have been lying about if anybody 's fraudulent it's USAA .THEY TOLD CFPB they CAF CLOSE MY THREE ACCOUNTS XX/XX/XXXX THEY HAVEN'T CLOSED ANYTHING IN OUTSTANDING DISPUTE SINCE XX/XX/2021 HAS NOT BEEN SOLVED FOR {$450.00} THEY CLAIM THAT ACCOUNT IS FRAUDULENT BUT THEY HAVE NEVER STATED THEY XXXX ANYBODY BUT THEIR SELF INTERNAL NOTES I FOUND OUT SOMEONE CALLED HERE SAYING THAT THESE ACCOUNTS WAS NOT AUTHORIZE WHICH WAS A BALL FACE LIE THEY NEVER COULD GET BACK IN TOUCH WITH THE PERSON WHO CLAIMED THIS NO EVIDENCE NO NOTHING AFTER ACCOUNT BEEN OPEN FOR FOR FIVE YEARS THEY DECIDED TO COME TO THAT CONCLUSION FROM A PHONE CALL REALLY KNOW THEY IS OUT OF COMPLIANCE THEY KNOW THAT THEY ACTED ON SOMETHING THAT WAS NOT REAL AND THE PERSON WHO DONE IT IS IN A FRAUDULENT PARTNER WHO KEEPS LEAVING THIS COMPLAINT AND ACCOUNT AGAIN BECAUSE SHE DON'T WANT TO GET IN TROUBLE BUT SHE GOT HER WHOLE BANK ENTITY IN TROUBLE DUE TO THE FACT THAT AFFECTED MY LIVELIHOOD WATER OUT PG NOT BUSY ENOUGH AND RESULTING INTO A TENT NOT BEING ABLE TO PAY MY BILLS I'M TOTALLY STRESSED OUT I BELIEVE THIS IS DUE TO XXXX XXXX  AND DISCRIMINATION OF XXXX AND XXXX  AND I'M XXXX BOTTOM LINE I NEED MY MONEY ASAP XXXX FAX INSTANTLY AND I WILL BE SEEKING LEGAL REPRESENTATION AT THIS I contacted the department of justice as well again this is not a duplicate
Product: Mortgage

I am in the process of getting new mortgage, however I need to get a lien release from XXXX XXXX XXXX book page number : XXXX XXXX ACTING SOLELY AS NOMINEE FOR XXXX XXXX XXXX  Date : XX/XX/XXXX Date Recorded : XX/XX/XXXX Amount : {$370000.00} MATURITY DATE : XXXX/XXXX/XXXX which I paid off 15 years ago. I contacted Bank of America and they were not able to help me. My lock in expires XX/XX/XXXX. I need to get this resolved before that date. I have been chasing this lien release for 24 days now and no one can help me. I have a existing complaint regarding the same matter with XXXX XXXX XXXX Complaint # XXXX. I am not sure if both companies are the same. 
Please call me at XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Credit card or prepaid card

I disputed this {$300.00} charge of XXXX XXXX XXXX in the month of XXXX, and in the month of XXXX it was reapplied citing that after XXXX months investigation I will get a permanent credit. I did try to contact XXXX XXXX at XXXX, PIN NO. XXXX, but everytime I call him/her, it goes on voicemail. She was the one from whom I received the letter on CFPB and she is not standing by her words.
Product: Credit reporting or other personal consumer reports

I dispute the following hard inquires on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bk of Amer on 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. Under the Fair Credit Reporting Act ( FCRA ), Section XXXX ( 15 U.S.C. XXXXXXXXi ), Unverified inquires must be removed. Please investigate and remove any unverifiable inquires.
Product: Credit reporting or other personal consumer reports

I need the following identity theft items removed from my credit report. 


Name XXXX XXXX That is not my name. 

Address XXXX XXXX XXXX XXXXa XXXX XXXXXXXX I have never been affiliated with any of those names or addresses. I have attached the drivers license, utility bill and the ftc report relating to those items.
Product: Mortgage

Ocwen holds our 2nd mortgage on our home.Our bill was ALWAYS due on the XXXX of each month. Even tho I always paid it w/in the grace period, Ocwen would call and pester me about the payment.  So,  I worked REALLY hard to get to where I could pay the bill paid ahead of time to avoid the calls.  Then, suddenly,  w/o warning, Ocwen changed the due date to the middle of the month.  Once again I worked to get the bill paid 2 weeks BEFORE it's due date and now, once again the due date is changed to the XXXX of the month.  My payment was due XX/XX/XXXX, I sent a check on XX/XX/XXXX which Ocwen got on XX/XX/XXXX. NOW I have a bill that says it's due on XX/XX/XXXX! 2  weeks between due dates???  I called customer service and was told in about 10 days they will email me about my inquiry/complaint!  WHY IS THIS COMPANY PUNISHING ME FOR PAYING MY PAYMENT EARLY???  On top of their predatory loan interest rates, it apparently takes them over a week to provide customer service.  WHY??? I have yet to have one positive experience when dealing w/this company.
Product: Money transfer, virtual currency, or money service

the XXXX  you use money sent and the wrong person get it. the bank did not give it back to you. chase JPmorgan
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX XXXX. PER XXXX XXXX XXXX XXXX STATES 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 AN ALLEGED IDENTITY THEFT. 

Account Name 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
Product: Debt collection

This is an UNKNOWN account. I have never had an account with XXXX which you mentioned that I have debt with. I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Product: Credit reporting or other personal consumer reports

I came across the CFPB XXXX Lawsuit. 

I feel I was negatively impacted by TRANSUNION/XXXX, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were VERIFIED. 
But I dont see any details about your investigation. 
Do you want to be fined too? 
Come with the receipts or be quick to delete.