23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am a military XXXX  veteran and my students are to hard to pay down due to me not being able to get active employment because of my XXXX from the service. I tried to work out a plan with my student loans and tried student forgiveness but nothing happen. I am in a hardship with student loans and if we can come to terms on an agreement to help lessen the impact it would help in my hardship.
Product: Consumer Loan

In 2006 I purchased a XXXX Ford Taurus from a local used car dealer. The contract was through XXXX XXXX XXXX for 72 months at XXXX per month. I had enrolled in a XXXX school to change careers so I needed the car. A short time later, I received a letter in the mail informing me that my loan had been sold to Santander of XXXX and that they needed me to sign a contract in order to keep my loan current. After I signed the paper it seemed that I was already late on my loan. I continued to make the payments until I had a hardship. I called Santander and asked if they would roll my payment over to the end of the loan. They were all too happy to help. I think I had to do this two other times as I was in school full time. When I got to the end of the contract I noticed that I owed something like XXXX at the maturity of the loan. I called Santaner to ask what the error was about, and I was informed that it was n't an error because they compound interest daily and since I was late from the beginning of the loan that I still owed the money. I paid the last payment ( 72 ) as per my contract with XXXX XXXX and considered the loan paid in full when I sent the last payment by check. After a few months a truck came to my door at XXXX XXXX and took my car that I had paid over XXXX for. At this point in time my wife was using the car to go to her Dr. appointments. Santander has stolen my car, took my money, and damaged my credit, and continues to put CO ( charge off ) on my credit report every month. I got advise from an attorney and the law firm I used said that Santander did nothing wrong. I contacted the Attorney General in Texas and I was informed that they would not speak to him because he was n't on my account. To this day Santander Consumer USA continues to damage my credit.
Product: Money transfer, virtual currency, or money service

I purchased a few pairs of sneakers from XXXX XXXX XXXX via PayPal. Beginning in XXXX of XXXX  until XXXX of XXXX This was a pre-order for sneakers that were said to release later in the year. 

Fast forward to XXXX, word came that this particular company was being investigated for fraud and was dissolving the business, hence leaving my pre-orders in doubt, having already paid. I am mediately filed claims with PayPal under buyer protection, which are in their terms and services. They were receiving so many claims from similar people who were scammed, and kept delaying a resolution to refund money. Finally after 3 months ( they are supposed to take 30 days max ), they informed me that they denied my claim because I violated the terms of service And later stated that reason was because my purchase was intended for resale This is clearly just away from PayPal not honoring their commitment to their customers, because not only were are all my purchases from this vendor singular shoe orders in my personal size, they have no proof that my purchase was for resale other than they can not disclose it to me for security reasons. I know there are many more who PayPal is doing this to and needs to be investigated immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( 15 USC 1681, Section 602a ), it is imperative to ensure that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a regard for the consumer 's right to privacy. XXXX and XXXX, being consumer reporting agencies, interact with me as the consumer. I possess the right to safeguard my private information, as reinforced by 15 USC 6801, which dictates that financial institutions have an ongoing obligation to respect customer privacy and safeguard nonpublic personal information. XXXX XXXX XXXX falls under the definition of a financial institution in compliance with this policy. Under 15 USC 1681, Section 604a, Subsection 2, it is stated that a consumer reporting agency may furnish a consumer report only upon the written instructions of the relevant consumer. Both XXXX XXXX XXXX and the consumer reporting agencies, XXXX and XXXX, do not possess my consent to disclose this information, nor do they possess my written consent. I hereby revoke any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise. 15 USC 6802 ( b ) ( c ) specifies that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to exercise a nondisclosure option. RADIUS GLOBAL SOLUTION never informed me of my right to exercise this option. Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. This account is being reported as adverse without my permission, which is in violation of the law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) A prohibits the furnishing of inaccurate information to consumer reporting agencies, and 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violations of Section 1681c and restrict the furnishing of consumer reports to specified purposes. XXXX and XXXX appear to be failing to maintain reasonable procedures. Moreover, 12 CFR 1016.7 affirms my right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services
Product: Vehicle loan or lease

XXXX XXXX # XXXX Re : Method of Re-Investigating # XXXX Charge Off {$15000.00} Experian Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX has verified that the account they are reporting under my name. Be advised that the description of the procedure used to determine of the information is hereby requested, to be provided within 15 days your of your re-investigation. Additionally, please provide the name, address, and telephone number regarding this alleged account. 
Any automated response or e-oscar verification is unacceptable. Method of Verification from your agency used to obtain and verify this account as verified. I am maintaining a careful record of my communications with my complaint with the Consumer Financial Protection Bureau and that you continue in your non-compliance. I further remind you that, as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for Failure to respond satisfactorily within 30 days of receipt of this claims action against your company, seeking {$1000.00} per-violation. FCRA ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the repossession/ Charge Off each month creates an inaccurate and misleading credit report, which negatively impacts my credit score. the statute of limitations for reporting a repossession/ Charge Off is seven years from the date of the delinquency leading to the repossession/ Charge Off ( 15 U, S.C. 5 1681c|aX4 ) ). Reporting this multiple times does not extend this statute and is therefore improper. 

2. XXXX XXXX XXXX XXXX Reported Profit and Losses on XXXX XXXX Reported and currently is reporting a balance inaccurate reporting. The balance should reflect zeros since the company reported the debt was submitted to the IRS as a losses. 


Experian has failed to follow Fair Credit Act in accurate reporting and failed to submit to this consumer information use to verify this debt.
Product: Debt collection

In either XXXX or XXXX of 2024 a team of XXXX salesmen came into my store to tell us about a promotion for their business XXXX XXXX. They assured us that the service would be identical to our current provider and we had a 2 week trial period to cancel if we were unhappy with the services. After 2 days into the trial we decided the plan was not working and attempted to cancel our service.

To complete the canceling we returned some equipment to their retail location where we were then given out printed labels to mail in the remainder of our equipment which we completed the following day. 

In XX/XX/year>2024 we received a bill for the " 1st month of services ''. I called XXXX on XX/XX/scrub>/2024 and was on the phone for nearly 2 hours, between XXXX XXXX XXXX XXXX XXXX. During this time, they acknowledged that while we had cancelled the and returned all of our equipment, we only cancelled 2 of the 4 lines on our plan. I asked them, " why would I have called to cancel my services and returned all the equipment if I had intended to keep any lines open? ". I was met with hostility and refusal to acknowledge my question. They said they would cancel our services for next month, but we would still owe {$160.00} for the previous. Which I told them I refused to pay as we were still in our trail period. The next month we received another bill for another month of services. 

They have now sent us to collections for refusing to pay a bill we should never have been sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report.

I will also file with the CFPB and FTC! This is unacceptable! I will file a lawsuit if this is not removed within 7 days
Product: Debt collection

I had a settlement agreement with  XXXX   XXXX  #  XXXX ,  ( A Capital One account #    XXXX  ) I paid my debt and have cancel checks, and numerous of times since  XXXX    XXXX   have call them to tell them to remove the outstanding balance from credit report because it shows outstanding. as of today they have done nothing.
Product: Credit reporting

I am an employee that was affected by the 2015 OPM background investigation breach. I have tried to sign up for credit monitoring services provided by the Government through an agency called XXXX. When I tried to sign up for my account, I was advised by the customer representative that creditor Experian has incorrect information about me in my credit report and that my account can not be opened until this error is fixed. It was not clear to me exactly what this error is, but the customer representative for XXXX mentioned something about my Social Security Number being too similiar to another individual 's. 

I have tried to obtain my free credit report through the official website and also tried calling Experian customer service to resolve this, but they are always telling me to mail them at their address with money enclosed to pay for my credit report. Since I am not responsible for this error, I do not believe I should pay any money to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX made a mistake on my account and reported a balance for collections. XXXX addmitted fault, closed collections, and stated it should have never been reported. I have disputed this event with Experian and the best they will do is list the collect account as " paid. '' The collection account should not have ever been listed and nothing was ever paid on my part, because their was never a debt. It was a fault on XXXX XXXX part, yet it is effecting my credit score with Experian. Experian says I can " pay '' to boost my score, which is essentially blackmail to bribe them to fix the erroneous reporting.
Product: Mortgage

Re : Specialized Loan Servicing LLC. Post office box XXXX XXXX Colorado. XXXX. I made 2 large online payments more than enough to payoff a 2nd mortgage. They have both amounts in cash no problem. They are not apply the last payment on XX/XX/21 which is {$20000.00}. They are giving me the run around. They have my money and I don't trust they will apply it or at least send it back. I need help with this unhelpful dishonest company please.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my d7isputes4 regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was closed in error by Citi bank with a deceased code. While the account was closed, and as I awaited Citi bank to correct the error, automatic payments were no longer made on my account, and it was not possible to make payment otherwise. After the deceased code was finally removed from my account, it resulted in a charge off. I am requesting that Citi bank remove this charge off listed on my credit report immediately, because it has negatively impacted my credit score through no fault of my own and only due to the fault of Citi bank.

I have attached supporting documents and letters I have sent to Citi for reference and further details.
Product: Mortgage

On Tuesday XX/XX/XXXX  I spoke to someone named XXXX XXXX who stated unbeknown to me that there is an active payment plan on my account. 

I was not aware and just called in to get what I was told by representatives XXXX was an approved foreberance from XX/XX/XXXX  until XX/XX/XXXX  explained. 

At which time XXXX XXXX stated there was No something contrary to what representative XXXX stated about the foreberance being approved. Per XXXX XXXX there was no approval for the requested extension from XXXX, XXXX  until XX/XX/. 

As the customer I certainly do not know, but something is very very wrong at Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and will now cost me time and money ( to freeze my credit with multiple bureaus ). Further, it will continue to soak my time and money by requiring me to unfreeze reports as necessary in the future.
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act The Companies has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under am open end consumer credit plan as late fr purpose.

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

This is my NUMEROUS request 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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Opened XXXXXXXX XXXX XXXX Balance {$2300.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX - XXXX XXXX Opened XXXX XXXX XXXX  Balance {$2300.00}.
Product: Credit card

For the past 4 months I have received robo calls and emails from this Company that I could not pay minimum payments and explained why.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter to Equifax by certified mail on XXXX/XXXX/XXXX XXXX, and it was received by the company on XXXX/XXXX/XXXX at XXXX. My letter of dispute addressed the incorrect addresses listed on my Equifax report along with additional accounts listed. I sent with my letter my picture ID for my current and previous addresses to show that the additional addresses listed do not belong to me. I also sent in other verifying documents of my address such as utility and insurance bills. I called Equifax at XXXX on XXXX/XXXX/XXXX at XXXX to inquire about why I have not received a response to my disputes. I was on the phone for XXXX hour and XXXX minutes. The representative stated that they received my information but the disputes were not investigated. I asked to speak to a XXXX where I was on hold again for over XXXX minutes. The next person who answered stated the same thing, that it was received but that they only updated the spelling of my name and my current address. I asked by they did not send me any correspondence and she said nothing else was investigated and she does not know why. It has been over 60 days now and I still have not received a response.
Product: Credit reporting or other personal consumer reports

I identified multiple inaccuracies on my credit report that I believe violate my rights under the Fair Credit Reporting Act ( FCRA ). Specifically : Late Payments Reported on Protected Accounts : XXXX, XXXX, and XXXX XXXX : These accounts are reporting late payments, which I dispute because I am protected under the CARES Act. As per the CARES Act, during periods of forbearance or deferment due to COVID-19, creditors are required to report accounts as " Pays Account as Agreed. '' I have requested Experian to update these accounts accordingly. 
Privacy Violation : XXXX XXXX XXXX  : I have identified this account as a violation of my consumer right to privacy under 15 U.S. Code 1681 ( a ) ( 4 ). I am requesting its immediate deletion as it violates 15 U.S. Code 1681a ( 4 ), which safeguards consumers from improper sharing or reporting of their private information. 
Incorrect Personal Information : An incorrect address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is listed on my report. This address is inaccurate and should be removed to ensure my report reflects correct and up-to-date information. 
Under 15 U.S.C. 1681i, credit reporting agencies like Experian are legally required to investigate disputes and correct or delete inaccurate or incomplete information within 30 days of notification. Additionally, according to court precedents like XXXX XXXX XXXX Bank and XXXX XXXX XXXX XXXX XXXX, Experian must conduct a thorough investigation, not merely rely on automated checks, to ensure the highest standard of accuracy. 

I expect Experian to investigate these issues thoroughly, provide a detailed explanation of their investigative procedures as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), and supply an updated credit report reflecting the necessary corrections.

If this matter is not resolved promptly and accurately, I am prepared to escalate by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) or by pursuing legal remedies. Under 15 U.S.C. 1681n and 1681o, Experian could be held liable for damages caused by willful or negligent noncompliance with the FCRA. 

This matter demands immediate attention, and I await Experian 's corrective action within the legally mandated timeframe.
Product: Credit reporting or other personal consumer reports

This complaint is against a company, PayPal. Recently, this is a repeated issue for a prior complaint with the department of consumer affairs, filed on XX/XX/XXXX in case # XXXX. The company, PayPal did respond back to not only the department of consumer affairs but also in a phone call to me personally, which was very kind in that complaint, which was eventually was investigated by PayPal and confirmed was a scammer or a scamming email and attempt. 

Today, I received another such email from, which appears to be PayPal again as to shopping with PayPal which in the email, shows purchasing information with words such as, Transaction ID, Purchase Date of XX/XX/XXXX, Transaction Status and an amount of payment or change of {$960.00}. 

As I mentioned in prior complaint of this same apparent scam, Ive never had a PayPal account or purchase history with PayPal. I also never been a customer of PayPal or had a PayPal account or even a PayPal credit card.

I truly believe this is not PayPals fault but they are a victim as much as I am at this point. Im only filing this complaint, now for the 2nd time, as I have now received this same, similar phishing or scamming email to my personal comcast email account. 

PayPal was kind enough in last complaint that they even called me about the XXXX complaint and informed me of there investigation outcome was definitely a scam / phishing email and thanked me for reporting it just like Im reporting this recent issue I received today.

Please forward this to the business so they can continue to investigate these phishing emails I still, now for the second time, continue to receive and also for the department of consumer affairs to possibly review such scamming emails/ communications as well.
Product: Mortgage

On XXXX XXXX I requested a disaster forbearance due to hurricane damage. I paid the mortgage due in full on XX/XX/XXXX. I received notice that my mortgage payment would increase XX/XX/XXXX by over {$250.00} due to escrow shortages. 
I also sent the mortgage company {$11000.00} check from my home insurance to endorse and send back to pay for damages to my home during the hurricane. They still havent sent it back and my roof has a temporary tarp on it and the fence is unstable and broken into several pieces. I am scared mold is going to develop from the hole in my roof and freedom mortgage doesnt seem to care at all