23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX, I notified my financial aid office to inform them that I would like to withdraw from their school and if there would be any charges. My financial aid advisor proceeded to tell me that in 45 days {$7000.00} in outstanding tuition would become due to the school. She also proceeded to tell me this : We generally do a 12 month payment plan. We try to have the student pay that balance off as quickly as possible because their transcripts can not be released until that balance is paid in full. If we divide that {$7000.00} by 12 that would be {$580.00} per month. Is that balance something you are comfortable with? A student like my self does not have 7000 grand lying around to give and I also certainly can not afford almost a 600 bill a month. It also stays in my contract from the school that after you have 60 % of 1-450 hours of the first payment period, the student is allowed to earn 100 % of financial for that pay period. So why do I owe so much if financial aid is 100 % going to pay my tuiton? I have all of financial aid covering my tuiton and theyre telling me I owe 7000 . I have documentation and proof of everything.
Product: Credit reporting or other personal consumer reports

Early warning system/check system has me in there system when the info doesnt match mines
Product: Mortgage

I worked with Caliber Home Loans for a consolidation mortgage for XXXX homes. I am also XXXX XXXX 

Because of the XXXX XXXX I did not qualify for the mortgage. The mortgage broker suggested that I take out a payment of {$3500.00} per month from my XXXX to qualify. It was a ruse to trick the government. I still have to pay a penalty to do this as I am under XXXX XXXX. 
The company suggested that once I qualified I could cancel the payment. They required all kinds of documentation and then at the very last moment we were denied based on the XXXX XXXX early withdrawal fee that I would have to pay. 

I would have never done this without the company suggesting that I do it. It was unethical and very shady. 

I am also a XXXXXXXX  borrower and I do suspect discrimination, but I can not prove it. 

Do not work with this company.
Product: Payday loan

I have been getting payday loans from this company for years and this month because my last was not within 30 days of XX/XX/XXXX they had to date this month 's loan for XX/XX/XXXX and instead of holding it for XX/XX/XXXX in good business practice. Instead they deposited it on XX/XX/XXXX. Other companies call and ask if that date is okay or not. I was charged a {$29.00} NSF. They did call me and tried resolve the issue but the Area District would not okay the return of the fee. I know I was not the only one with this issue because the clerk at the center told me so.
Product: Debt collection

On  XXXX , recevied notification from  ProCollect  as collections agency,  XXXX   XXXX   XXXX ,  XXXX  Texas,  XXXX . #  XXXX . The letter advised that I had 30 days to take care of a debt which I did not know I had. The collection agency is working on behalf of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . In  XXXX    XXXX  , I was  XXXX  to  XXXX  for 12 months, as I am a member of the  XXXX   XXXX . I provided the  Apt management  with a copy of my   XXXX   XXXX   reflecting that I was being  XXXX  and I needed to be release of my lease agreement.   I did not get notified nor did my parents who are co-signers get notified by   XXXX   XXXX   XXXX   that I was being charged rent for the remainder of the lease. The  Apt management se nt the debt to collection agency.  <P/> My credit status is important to me and  XXXX  career, I do not want any negative reporting on credit reports as the creditor failed to comply to notifying me of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Jefferson Capital to settle a debt of XXXX and have it removed from my credit ..they gave me a settlement amount for XXXX and they said I can pay that and they will have all three bureaus remove it once paid ... I paid this amount on XX/XX/2020..confirmation # XXXX ... the account updated on my credit and now shows a balance of one thousand and some dollars ... .I paid the settlement amount in full and when I call the customer service number it says o have XXXX balance please help and remove this account
Product: Checking or savings account

On XX/XX/XXXX, I was informed by my identity alerts that a new Checking Account was opened at Wells Fargo. I immediately reached out to Wells Fargo who verified that an account had been opened in my name. I informed them that this was fraud and requested that the account be closed immediately. 

On XX/XX/XXXX, Wells Fargo sent a terse reply that I bore no financial responsibility for the account and that they would remove any information related to the account. 

However, Wells Fargo DID NOT provide the my personal information that they gathered when the fraudulent account was opened. 

Note that the opening of the checking account was not recorded by any of the credit bureaus and thus would not have been blocked by my credit freezes on these accounts as, it seems, that checking accounts are not subject to credit checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

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 The Following Inquires are a violation of my consumer rights : 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 The following addresses are also in violation of my consumer rights : XXXX XXXX XXXX XXXX  XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX The following alias listed on my credit report are a violation of my consumer rights : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following employers listed on my credit report are a violation of my consumer rights XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX The following personal information listed on my credit report are a violation of my consumer rights 1979 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 168s-2 ( A ) ( 1 ) - Responsibilities of funishers of information to consumer reporting agencies.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. 

I have also filed an identity theft report with the Federal Trade Commission on XX/XX/XXXX, XXXX, report number # XXXX
Product: Money transfer, virtual currency, or money service

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

( See attached for full complaint ) Dear CFCB Team, I am writing to request your immediate assistance in correcting inaccurate payment history reported on my credit file. Despite multiple attempts to address this issue, the inaccuracies persist, which is a violation of the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681e ( b ) and 1681i. 

The inaccurate information pertains to XXXX XXXX Account # XXXX where payments have been misreported. I have enclosed documentation to support my claim, including credit report showing the inaccurate reporting Under the FCRA, I am entitled to a fair and accurate credit report. You are required to conduct a thorough investigation into this matter and rectify the inaccuracies as mandated by law. Please confirm the correction in writing as outlined in Section 1681i ( a ) ( 6 ). 

Thank you for your prompt attention to this serious issue. I look forward to your swift response. 

Sincerely, XXXX XXXX [ Enclosures : Supporting Documentation ]
Product: Mortgage

LOAN WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX CLAIMS DEPT XXXX. 
our mortgage was sold off from XXXX XXXX to this banking institution. 
we had some storm damage to our home. our XXXX XXXX policy will cover the damage with no problems and have been very helpful. This company now wants us as a home owner or our XXXX XXXX XXXX to pay for them to send out inspectors to inspect the home once work is complete. so we have to come up with {$100.00}. When I discussed this with our XXXX XXXX agent he said in 25 years as an adjuster he never heard of a home owner having to pay for a inspection fee nor as an insurance company. 

I think this may have some legal ramifications and need help from an agency to check into this customer gauging. Can you assist or get us to the correct party? 
. 
Thank you XXXX family
Product: Debt collection

Cavalry portfolio services XX/XX/2014 {$370.00} it is reporting to the bureau twice.
Product: Mortgage

I submitted my financial documents to a lender approximately 10 days ago. The lender has not communicated with me, yet he has my personal information. The lender 's name is XXXX XXXX, Vice President. The company is Pacific Foresight Financial Corporation. 
NMLS # XXXX, DRE # XXXX. I find this to not only be unprofessional, but unethical in obtaining financial information such as my social security number, but also other personal information.
Product: Credit card or prepaid card

Between XX/XX/21 and XX/XX/21 there were a number of fraudulent charges made on the credit card I had at that time, totaling {$5100.00}. I called and reported this to the credit card company, BBVA Visa. They cancelled the card and issued me a new card, sending it to me via US Mail. Before I received the new card in the mail, I noticed on my account for the new card ( via online banking ) that all the fraudulent charges had been transferred to the new card, but the amounts had changed somewhat. On the new card, which I have never activated, the fraudulent charges total {$2800.00}. Again, I called and disputed the charges and advised them that the amounts of the charges had changed from the original card. On XX/XX/21 I received a letter from BBVA Card Fraud Operations Group that the investigation was closed and the " corresponding credit applied to my credit card account in the amount of {$590.00} is considered final ''. They are charging me interest on the fraudulent charges. I will continue to fight this with BBVA, but have been advised I needed to report the issue to FTC, which redirected me to CFBP. Any help you can provide will be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a charged off account ( personal loan ) with XXXX  XXXX, I settled it in full with the collection agency XX/XX/2019. Every since then each month they are still inaccurately reporting this account to the credit bureaus. I first attempted to dispute with the credit bureaus and sent a paid letter from XXXX XXXX, the collection agency XXXX XXXX sent me to, but the credit bureau would not accept because the collection agency is not the company reporting it. I called XXXX XXXX and spoke with XXXX XXXX and explained they were not accurately reporting the account as paid and I need something from them, so he sent me a paid in full letter from them directly. I sent it to my mortgage company and they submitted it to the credit bureaus on my behalf to have updated correctly, at that time the bureaus did update it. Now today XX/XX/2019 XXXX XXXX XXXX has once again reported this account to the credit bureaus as a negative, unpaid account with a balance e owed. Why are the continuously reporting a closed paid account every month?
Product: Credit reporting, credit repair services, or other personal consumer reports

Difficulty in communication with credit reporting agencies by telephone or online.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is in violation of UDAAP reporting of a debt with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I was denied leasing with XXXX XXXX XXXX on XX/XX/XXXX. I worked for a preferred employer mployer so the application fee was waived. However, XXXX XXXX XXXX is falsely reporting this as a debt owed on report with XXXX and Transunion ( violation of FCRA ). THIS IS false reporting. 

XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX AND XXXX IMMEDIATELY DELETE REPORTING on credit report for XXXX XXXX XXXX and the named account below : XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX PLEASE DELETE THESE ENTRIES.
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 timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error solution 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.
Product: Credit reporting or other personal consumer reports

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. XXXX XXXX : # XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXXXXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX, has violated my rights. 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 1681c. ( 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 antedates the report by more than seven years. 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: Vehicle loan or lease

To confirm this is to/for XXXX XXXX XXXX Vehicle was totalled. XXXX made the last payment. XXXX was slow to pay. I was effected by a natural disaster. XXXX said they were slow to pay because there were not enough adjusters in Texas. The last payment was late because of XXXX. Please correct the last payment as on time, as it was made by a third party, and not under my control. Had I made the payment, there would have been an over payment. Please correct last payment to read as on time. Also XXXX  shows no late payments. Please correct.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against XXXX regarding my student loans with account number XXXX. Despite receiving a 1099-C Copy B from the IRS, signifying a discharge of debt, XXXX persists in reporting an outstanding balance on my credit report. Moreover, numerous violations of federal laws and regulations have transpired concerning the management of my XXXX  loan data and credit reporting. 
The 1099-C Copy B, furnished by the IRS, denotes the discharge of debt pertaining to my XXXX  loans. This discrepancy indicates potential fraudulent activity and misinformation on my credit report, a concern corroborated by the attached documents. XXXX has infringed upon the Privacy Act of 1974 and the Family Educational Rights and Privacy Act ( FERPA ) rights, which safeguard the privacy of student education records. Under FERPA, unauthorized disclosure of educational records to data furnishers is prohibited. The Privacy Act and FERPA, established in 1974, apply to all public or private elementary, secondary, or post-secondary educational institutions. According to 20 USC 1232g ( b ) and 5 U.S.C. 552a ( b ), agencies must not disclose records within a system without written consent, a protocol that was not adhered to in my case. 
XXXX has reported an outstanding balance on my credit report without my consent. Moreover, consumer reporting agencies like XXXX and Equifax have provided information regarding my student loans without my explicit authorization, contravening 15 USC 1681 ( s-2 ). The failure to inform me of my nondisclosure option, as mandated by 15 USC 6802, and the reporting of adverse information without my consent, as outlined in 15 USC 1681C ( a ) ( 5 ), are additional violations of the Fair Credit Reporting Act ( FCRA ). XXXX has also furnished inaccurate information to consumer reporting agencies, violating 15 USC 1681s2 ( A ) ( 1 ). 
XXXX, along with consumer reporting agencies such as XXXX and Equifax, have failed to uphold reasonable procedures to prevent FCRA violations and to restrict consumer report furnishing to the purposes delineated in 15 USC 1681b of the FCRA, as mandated by 15 USC 1681e. Furthermore, XXXX neglected to inform me of my right to opt out of their reporting services, contravening 12 CFR 1016.7. 
In light of the aforementioned violations, I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into this matter and take appropriate action against XXXX and the implicated consumer reporting agencies. Additionally, I request that XXXX rectify the erroneous information on my credit report and desist from further reporting of my XXXX loan details without my explicit consent. 
Thank you for your attention to this matter. I anticipate a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my credit report on XXXX XXXX, 2020, I discovered that there are inaccuracies on all three credit bureaus. I have filed a report with the federal bureau and the company, but it has not been resolved.
Product: Consumer Loan

I have been payingon this loan early every month. I get a letter in the mail on XXXX XXXX stating that I am overdue. I called the number on XXXX XXXX and spoke to XXXX Representatives. The first representative told me my account is current and to disregard the letter. I had concerns with this representative and spoke with another representative this representative was very rude and after 15 minutes of going back and forth finally she told me that the reason my account is overdue is because on XXXX XXXX of 2015 they did not receive a payment therefore for every month after that I have received a late payment and they have applied the payment I made for the month it 's supposed to be to the previous month. I had no knowledge of this missing payment I sent the payment in the mail as I have done every single other month I got no notification and was completely unaware that they have not received a payment. I called on XXXX XXXX and was on the phone at XXXX XXXX XXXX minutes before and XXXX minutes after I talked XXXX XXXX she informed me that they did not have my phone number they had tried to contact me they do n't mail out contacts and it was not her responsibility it was my fault and if I could n't provide proof for my bank that it had been cashed that they were completely within their rights to charge me the late payments and continue to play each payment that they receive each month early with a statement that they gave me that goes with each check for the according month she told me that that was their business practice. I asked why they did n't send me a letter some notification something I asked her to hear me out she was rude and horribly demeaning. I did call my bank today and there was not a payment for XXXX cashed. did send this and I did n't know they did n't receive it now they have been charging me late payments for over a year as a penalty and not sent me any kind of notification that I received I 'm stuck and I need help and clearly calling on my own has gotten me nowhere. When I ask to speak to a supervisor I was told there was none available their and there would n't be any available and If I wanted to speak to XXXX I just have to call and try my luck. Those are direct quotes. Please help me!
Product: Debt collection

I am writing to you to complain about First Federal Credit ControlXXXX XXXX XXXX XXXX, XXXX, FL XXXX. I have found adverse account information listed on my credit reports. I have no known or verified accounts with this business and after repeated verification request FFCC has not responded to my certified letters and continue to report to XXXX, XXXX, XXXX, and XXXX ( all major credit reporting agencies ) in violation of federal law. This company unlawfully reported to the credit bureaus as resent as XX/XX/2019. First Federal Credit Control has continued to damage my credit rating and has caused me denial of credit by reporting inaccurate information to all the three major credit bureaus. The erroneous accounts are in the amount of {$430.00}, {$86.00} and {$85.00}. The accounts are erroneous, inaccurate and unverified and remain on my credit report causing adverse actions as well as denials of credit and adequate housing. I attempted to contact First Federal Credit Control multiple times via registered USPS certified mail with return receipts which prove FFCC has  blatantly ignored my attempts resolve this issue and they have not responded to my requests. Please contact me to let me know how to resolve this issue. This has been ongoing for over a year with this company and enough is enough!
Product: Debt collection

Ability Recovery Service is still reporting that I owe {$360.00} to them. I have done all my research and the so called debt was with XXXX XXXX, which I paid in the amount of {$260.00} as my final payment for the semester. I have provided receipts, bank documents and a letter from XXXX XXXX saying it was paid in full. So, my complaint is now against XXXX XXXX, Ability Recovery, and XXXX because they are allowing this to continue. Other credit reporting agencies show this closed and are no longer reporting, which is correct and accurate. Why XXXX continues to allow it is UNFAIR and ILLEGAL.