23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I filed my Public Loan Forgiveness Program ( PFLP ) documentation on-time and to the correct authorities. And yet, despite having earned forgiveness, the government spends my tax dollars on XXXX and Mohela, who combined to screw up my paperwork as detailed in an email to me from the US Dept of Education on XXXX XX/XX/2022 : " Due to a vendor error, you recently received an email with a subject line indicating your application for the one-time Student Loan Debt Relief Plan had been approved. The subject line was inaccurate. The body of the previous email was accurate. 

We have received your application but are not permitted to review your eligibility because of ongoing litigation. We will keep your application information and review your eligibility if and when we prevail in court. 

We apologize for the confusion, and you do not need to take any further action at this time. We will keep you updated with any developments. '' How is it possible that despite all the time and resources available, my paperwork and correspondence can be so poorly handled? To what kind of justice can these delinquent organizations and their leaders be held? Where are the investigations into this massive malpractice?
Product: Debt collection

Portfolio Recovery Associates have been using countless phone numbers in pretty much every state to call me about a debt they claim I owe several times a day. They sometimes call before, after, or at XXXX MDT and never leave a voice mail message. They also call a different number I have in the same manner. Most of the old debts that were still on my credit reports last year have become charge-offs. I have no idea why they're constantly calling me. It's like they're trying to get me on the line and badger about some debt I don't actually owe. 

The phone calls have become harassing and senseless. I have blocked what seems like hundreds of numbers from them. Every time I block those numbers, they call from other numbers. PRA called today XX/XX/18 at XXXX MDT and left no voice mail message. Many of the complaints on CFPB and other sites list the same issues that I have. They are also referred to as a " bottom-feeding '' collection agency because they buy up old debts for pennies on the dollar and try to collect. They also try to collect on old debts that have since passed the states statute of limitations.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX
Product: Credit card

They are not upholding the FCRA and my consumer protection act. They refuse to delete the account
Product: Credit card or prepaid card

Back in XXXX to XXXX of 2020 in the pandemic I applied for the unemployment and my pre-paid account was hacked and I could not use no more I didnt receive no money from my bank I did research and I seen that I could no find my available balance or nothing I still couldnt access the account I see there is a compensation of the {$59000.00} I didnt receive and I would like to have a refund or my compensation due to Bank of Americas mistake and fraud app
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$6200.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

Requested validation of debt asking for purchase agreement, and never received any documentation. Also this company is does not have proper state licenses or registrations to collect in the state of Tennessee. A cease and desist letter is being filed per this dispute. Reporting inaccurate information to my credit report is a form of communication. All third party bureaus reporting this account I'm requesting deletion.
Product: Checking or savings account

I called wells Fargo Wednesday, XX/XX/XXXX, I told them I needed to talk about my account for the last several months they have been allowing stuff to come out of my account which then they are hitting me with over {$100.00} in fees every time. I have turned everything off and they are still allowing stuff to be put through just so they can charge more fees. When I spoke to them I told them someone needs to figure this out because it is getting to the point now that I am paying them more in fees then what I am paying in bills. Its ridiculous. In just one period last month I paid over {$900.00} in fees
Product: Checking or savings account

Dear Cash App Support Team, My name is XXXX XXXX, XXXX being $ XXXX and I have been a loyal customer of Cash App for several months without any issues until recently. I am writing to seek resolution regarding a series of transactions and claims that remain unresolved despite my efforts. 

On XX/XX/year>, I made a purchase of {$170.00}, followed by two additional transactions on XX/XX/year>, for {$20.00} and {$87.00}, respectively, all with the same business " XXXX ''. Subsequently, on XX/XX/year>, I made another purchase of {$72.00} from " SP Kclot, '' a clothing website that I later discovered to be a scam. 

For the three transactions with the first business, I was expecting services that, due to unforeseen circumstances, the merchant was unable to deliver. She informed all customers that refunds would be issued, but her funds were placed on hold for 190 days by her payment processor. She advised us to contact our financial institutions and file claims for services or goods not received. I followed her instructions and submitted my initial claim to Cash App on XX/XX/year> ( email attached ). 

Unfortunately, my claim was denied on XX/XX/year>. I contacted Cash App support for clarification and was advised to file another dispute. Despite submitting supporting documents, including proof from the business, my claims have been denied multiple times. 

Most recently, when I called to request documentation that led to the denial of my claims, I was only provided with my original claim submission, which does not demonstrate that I received the goods or services in question. This is extremely frustrating, as I have submitted all necessary evidence proving that I did not receive the promised services or goods. 

I am requesting that Cash App conduct a thorough and proper investigation into these claims and process the refunds accordingly. If this matter is not resolved promptly, I am prepared to pursue legal action for the improper handling of my funds and failure to conduct a legitimate investigation. 

Please find all relevant documents attached for your reference. I look forward to your immediate response and resolution of this matter. 

Thank you for your attention. 

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

A third party Debt collector namely XXXX XXXX brought and obtained an debt by XXXX XXXX  the party who bought the current debt stated on my credit report that I open or bought services or items on XX/XX/XXXX when in actuality I never brought any services, phones or other items from them at ANYTIME! The account may have been a part of on older Bankruptcy filed here within the state of Kentucky.According to this Agency that a debt of {$560.00} dollars was vested by me which in fact I dont have any services or phones through this Wireless vendor. And in fact I never had. Also several Credit reporting Agencies stated that I lived at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, CA. XXXX, which in fact I have never resided at this location because I've lived here in this state for the majority of my life. And accordingly they also reported that several student loans that were dismissed, paid off, charged off, past the " legal '' mandatory statue of limitations has ran out on several if not all of these loans. XXXX  who is the provider of my various loans sent me a letter dated XX/XX/XXXX a post-discharge monitoring period was in effect for a total of ( 3 ) Three years from the discharge date. I fully met these requirements due to being XXXX and unable to pay off any of these loans.
Product: Prepaid card

NETSPEND NOTIFIED ME THAT " THERE was a problem with [ my ] account in about 2022 Since then I have repeatedly tried to get my money OUT OF NETSPEND but they won't close my account, won't send me a replacement c rd, and have had the use of my {$2000.00} AND I NEED THE MONEY! 

I understand the FTC sued NetSpend over t his type of shenanigan. So t his is NOT the first time these crooks have stolen money from U.S. consumers. 

I no longer have my Social Security direct deposited to NetSpend so I DO get myu money from the U.S. Government ( pension ), BUT I WANT WHAT NETSPEND HAS ON DEPOSIT! 

EVERY TIME I EMAOIL THEM THEY SAY THEY WILL " ESCALATE ' THE PROBLEM AND I WILL HEAR BACK PROMPTLY. I NEVER HEAR A THING. 


HELP HELP HELP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS complaints that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries listed below : XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XX/XX/5054
Product: Vehicle loan or lease

I purchased a car from a car lot using a loan from XXXX XXXX in XX/XX/XXXX. About a week later, I paid off the loan with a Chase loan in XX/XX/XXXX. I received confirmation from XXXX in the form of a letter stating that my loan had been paid off and that they would release the lien. I do not have a copy of the letter and as of XX/XX/XXXX, XXXX refuses to send me a copy of the letter, proof that my loan was paid off, or that they released the lien. 

On XX/XX/XXXX, I tried to sell my truck to a car dealership. They agreed to payoff my loan with Chase, but discovered that Chase is not the lien holder and that the previous owners are still the owners of the car. Me and my mother ( the supposed owners of the car ) are not on the title. I called Chase, and they told me that they would obtain XXXX 's lien release, transfer the title from the previous owners to the current owners, and record the Chase lien by XX/XX/XXXX. They never did. They kept asking for more time, extensions, and Chase keeps blaming XXXX for not sending the lien release to them. However, XXXX already confirmed that they sent the first lien release and title to Chase 's XXXX XXXX  in XXXX XXXX, Texas in XX/XX/XXXX. And XXXX confirmed that they resent the lien release in XX/XX/XXXX. 

Chase keeps saying that XXXX has not responded to their request for the lien release, and XXXX says that they have already sent it twice. 

Meanwhile, Chase keeps withdrawing the monthly payments from my checking account despite the fact that they do not have the title, or a lien recorded on my truck. 

Also, I can not renew the license plate 's registration on my truck, which expired in XX/XX/XXXX, because the license plates that are on my vehicle belong to the previous owners since Chase never transferred the title to the current owners ( me and my mother ). 

As of XX/XX/XXXX, the truck is still under the previous owner 's name with XXXX as a lien holder, according to the Texas DMV.
Product: Credit reporting

XXXX reports that I opened an account in XX/XX/XXXX. I opened no accounts of such type in XX/XX/XXXX. The account was opened in XX/XX/XXXX. They illegally changed the date of opening this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1692C states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692C section 5 : states not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt
Product: Checking or savings account

In the Spring of XXXX my XXXX was very ill so he executed a Durable Power of Attorney and I went to all the banks he had accounts in his individual name to get them moved into his revocable trust account. All the Bank 's were excellent and timely in approving my Durable Power of Attrorney ( DPOA ) except Santander Bank. XXXX XXXX XXXX and XXXX XXXX XXXX approved the Durable Power of Attorney within 2 weeks. Santander Bank never approved the DPOA and I went to the bank at least XXXX times in person to follow up. Their legal department received the DPOA to approve from the downtown XXXX XXXX in the Spring of XXXX. 

Finally I had to take my Father, who is in Hospice and on oxygen XXXX hours a day and using a wheelchair and a XXXX physically to the XXXX XXXX XXXX Santander  Bank. We went to the drive-thru which I thought would be easier on my XXXX. We were told he has to physically come into the lobby to be on their camera 's to withdraw his money and get a bank check. I know the drive-thru tellers have camera 's on the cars that pull up. I requested the branch XXXX come out to the car to have my XXXX fill in any forms they need and when the check was ready I would do my best to get him into the branch to wave at the cameras. She finally said the check was ready so I got my XXXX 's oxygen and XXXX and we made it into the branch. We still had to stand there more than 20 minutes and the check was not ready by the teller so the branch manager had to get her chair for my XXXX to sit in before he collapsed. He withdrew large amounts from two accounts and the manager said that he had no other accounts with their bank. It turns out that he had a third account with {$37000.00} in it held in his individual name. My XXXX passed away on XX/XX/XXXX and now I have to go to XXXX because of Santander never approving my DPOA and not telling my XXXX that he had a third account in his own name. I really hope you pull the video from that day in XX/XX/XXXX to see how pathetically they treated a person and made it so difficult for someone to get their own money out of the bank. The DPOA should have been approved timely. 
I would like to be reimbursed the approximately {$2000.00} in legal fees going through XXXX will cost. I also want an appology from the XXXX branch as well as the executives at Santander Bank. 
I have copies of the bank checks with the exact date of XX/XX/XXXX at time stampXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have violated my rights. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A, states I have the right to privacy.

15USC 1681 Section 604 Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c. ( 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 ante cedes the report by more than seven years.

15 USC 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

XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Dear Credit Bureau, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed account on my credit report, Pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX USC 168 11 ( 7 ).

Under Section 15 USC 168 11 ( 7 ). Credit Reporting Agencies are obligated to provide a description of the Investigation within 15 days of receiving a consumers dispute.

In accordance with the Fair Credit Reporting Act. The account that I am listing has violated my federally protected consumer rights to privacy and confidentiality Under USC 1681. 
I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
1. Credit Score is not reflecting current credit information. Credit score is not accurate. Credit score is old and is negatively affecting my credit.

This inaccurate score reporting has violated my rights And one more thing according to 15 USC 1681s-2 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. B ) A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and the information is, in fact, inaccurate. 
15 U.S Code 1681c2 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, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 US. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT, As a consumer I am demanding the deletion of the account listed IMMEDIATELY! 
Check the attachments to verify my identity and only correct address where mail may be delivered to me by US post office. 

XXXX : XXXX Without recourse
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX- -My name is XXXX XXXX XXXX the last four of my SS # is XXXX. My account number is XXXX. I am writing to dispute the late payment reported by XXXX. I have been impacted by XXXX. Not only did I have the XXXX and was in the hospital for a long time, I lost my job. I spoke with XXXX and was advised My payments were deferred until XXXX 2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! THEY NEED TO CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from XXXX! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. XXXX needs to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND CALL ME ONCE THAT IS DONE!
Product: Checking or savings account

Several of my cash apps in the past has gotten hacked from scameres never was able to get the problem fixed lost access to my account an would end up having to do a new email an everything just to be able to use cash app again now I've got a new cash app and I can't order a new card or anything cause they keep telling me I violated there terms an conditions can yall plz help me out my last cash app that was hacked it's with my old email XXXX an I've had money sent to my old cash app XXXX XXXXXXXX my family an friends have sent money to that account and I don't have a way of ever getting that money back.
Product: Credit reporting or other personal consumer reports

Today, I discovered some incorrect accounts on my credit report, and I have no idea how they appeared. I checked my report as usual, but this time, I saw unexpected errors. I even refreshed my browser, thinking it might fix the issue, but the inaccuracies did not disappear. Due to this, I kindly ask for a thorough review of my submitted documents so that I can have peace of mind moving forward.