23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My elderly XXXX had a XXXX XXXX XXXX. She wanted to collect XXXX XXXX as points with large purchases. I moved to help prepare and continue caregiving for her. I used the card, letting her know, for my moving and storage costs. I paid a portion of the bill and she then asked me to start to pay her directly because she is in dispute with XXXX. Instead, XXXX keeps reporting this card on my account. I have written two letters, responded to a request via handwritten form mailed as well as have called, with my mother in the room. I've called several times. The XXXX  Rep says my name is not associated with the account. The account shows up on ALL my Credit Reports. I am trying to buy a Home as I am a student and need stability. This is preventing me from using Down Payment assistance programs and has forced me to miss out on home purchasing while the interest rates were lower. My credit was stellar prior to this. This is an act beyond norm as I have also been harassed and investigated, without reason, by them. They are interested in taking over my XXXX XXXX  assets as well. All of it is unfair, unjust and I've tolerated enough. The XXXX Legal Dispute team for Credit Issues located in XXXX XXXX has not responded nor have the individuals. My Credit report was just run again today and still shows the issue. They confirmed removal in XXXX, XXXX and XXXX XXXX XXXX I checked again and a mortgage lender tried and found issues still. By XX/XX/2022 the issue still existed and I wrote a follow up letter. My credit score has gone down another XXXX XXXX  since. This is such a blatant attempt to try to put stress on an already stressed family dealing with illness, loss, XXXX XXXX XXXX XXXX XXXX. Please assist. 

Thanks! XXXX.
Product: Debt collection

I refinanced my home in XX/XX/2021 my lender paid all debts on my credit report Jefferson Capital LLC came after me for a debt that was paid to them in XX/XX/2021 causing my credit score to drop XXXX points while in the middle of looking for rental property I have paperwork that I submitted to XXXX and XXXX this company has deceptive practices that need to be addressed so many consumers are going through this and feel bullied by this company.. Thank you for your time signed a fed up consumer who cares and work hard to keep my good credit in good standing.
Product: Credit reporting or other personal consumer reports

Since 2004 I have been a victim of Identity Theft in which I have already reported more than XXXX times to the police. I have notified the XXXX, XXXX XXXX, XXXX XXXX XXXX and the Three Credit Agencies. The problem is that the Credit Agencies, knowing the problem I have with my identity, continue to allow individuals to obtain loans and credit cards in my name.
Product: Vehicle loan or lease

During COVID the lease was expired. The car was turned in to the dealership at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. They did not provide me with any documents to turn in the car via email or by mail. Now they have increased the price by adding excessive fees and added it to my credit as if I am still in the lease with them till this day. When they got the car and sold it at the auction without reporting the savage value. Now the company made a profit off the car and they are still coming after me for excessive fees, which are not accurate. When I tried to find the vehicle history by the XXXX number it shows another car from the one I had. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error and seek your immediate intervention to rectify it. Moreover, other credit bureaus have already corrected the status of the accounts stated above .Also, I contact the companies thru a phone call and they said to fix this. 

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

Disputed Acct # XXXX balance of {$3400.00} about a year ago and it is still in dispute status
Product: Student loan

I must address an important matter regarding Navients servicing practices related to my account. Throughout my experience, I relied on Navients communications to stay informed about my loan status. At no point did I fail to meet my responsibilities as a borrower to remain in good standing and pursue options for loan management and forgiveness. Despite my efforts, which included regularly contacting Navient and submitting necessary applications, I received repeated denials for student loan forgiveness. Unfortunately, I was not informed that my loan had entered default status ; instead, Navients correspondence consistently indicated that my account was in deferment or forbearance, never notifying me that my loans were actually in default. 

Had Navient provided clear information that my loans were in default, I would have immediately pursued an appropriate program to rehabilitate my loans. Instead, Navient continued to advise that my loans were ineligible for forgiveness without disclosing the reason was due to the default status. This lack of transparency left me under the impression that my loans were in forbearance and misled me away from the necessary steps to resolve my account status and regain eligibility. 

Given these circumstances, I am requesting a thorough review of my account history and a resolution that addresses these miscommunications and omissions. I am hopeful that the CFPB can provide guidance or assistance in ensuring that because of these injustices, my loans are considered paid off. Due to the lawsuit against Navient for my relief, I am asking for all of my loans to be paid off. 

Thank you for your attention to this matter. Please feel free to reach out if any additional information is needed from my end. 

XXXX XXXX
Product: Debt collection

The company I'm addressing is ( Kia Motors Finance ) On XX/XX/XXXX my XXXX XXXX XXXX engine shutdown as I was driving on the freeway.I didn't have any warning light such as the engine light come on it just started knocking and shut off. I had myself and my daughter in the car. The next day I had my car towed to downtown Kia in XXXX XXXX there was a recall on my vehicle that had to do with the catalytic converter which it states in the recall can cause engine failure Kia has various class action suits against them for this issue they kept my car for a little bit over a month they refused to fix it because they stated I didn't have proof of Maintenance receipts which I did show them what I had they didn't accept those then they tried to give me a deal stating they will take XXXX off repair of engie ... the engine cost {$6000.00} they tried to do this secretly via text after they said they weren't going to fix it. They stated the pictures that were taken of my vehicle they found sludge but refused to show me. I was unable to work for XXXX months I ended up having to get my car back from them and get it towed elsewhere because they threatened to start charging me storage fees. After about XXXX weeks my car was repossessed and now I have it on my credit report. They also did not fix the recall on the vehicle they did nothing for 2 months and now they sent me a letter stating that they're going to sell my vehicle I was going to trade my vehicle in however they put the full price of the XXXX XXXX XXXX on top of whatever the new vehicle was so I declined. I believe there was contractual fraudulent activity along with poor service. This situation created an extreme hardship for my family and I because I wasn't able to work even though my husband does we have XXXX kids and it cost us to almost be evicted during that time.
Product: Debt collection

I ordered a XXXX service in XXXX of 2016. On XXXX XXXX, 2016 my husband 's card was charged {$440.00} for XXXX year of XXXX service. By the end of XXXX and into the first week in XXXX, XXXX failed to provide service to me. I called and called multiple times, created an online profile, requested service, called the branch and attempted to get a straight answer or time for when service was to be rendered at my home. I would get calls from " technicians '' that they ca n't make it, they are late, they will come in another 2 hours etc., but to no avail. They never showed up. Finally, I called the branch and cancelled my service, per their satisfaction guarantee. The associate told me the service was cancelled and they will refund me the amount they owed me of {$440.00} because they failed to service my home as promised. I never received the credit. Accordingly, my husband disputed the charge with his credit card company, who after 60 days of dispute resolution with XXXX, received the credit from XXXX and credited my account with the total on XXXX XXXX, 2016. I have no heard of this issue since XXXX XXXX. Today, on XXXX XXXX, 2016, I received mail from a COLLECTIONS AGENCY : Focus Receivables Management , LLC, which states that they are going to report to my credit reporting agencies that I owe {$240.00}. I have no idea where they got this number from or why they would not have sent me a bill. I have received NO correspondence from XXXX, no bills in the mail, nothing via email, nor via my online portal. They gave me NO NOTICE whatsoever of this " outstanding '' amount owed. All of a sudden, I received this letter of collections as reported by XXXX. It is incredible to me, that a company which neither provided the service as promised, nor could resolve the lack of service issue, nor could cancel my account properly, nor refunded me the money, has the audacity to at this point send my information to a credit reporting agency and collections agency, without providing me any advance notice, and by trying to bill me a doctored amount of {$240.00}. I have called XXXX and they are now sitting on their hands. They have no apparent urgency in trying to resolve this matter, despite the fact that in 30 days the collections agency is going to report on the status of this account. I am appalled at the lack of customer service, the cheating and manipulative tactics of this company and the lack of apology or ability to quickly resolve this matter! Furthermore, this was charged on my husband 's card, and yet they submitted my name for collections. It is clear to me now how XXXX has remained in business, and that is by unduly influencing people into buying their service, failing to render service, and then reporting them for false debt to collections agency, all the while failing to resolve the matter.
Product: Student loan

I am writing to formally address a serious concern regarding a potential violation of the Family Educational Rights and Privacy Act ( FERPA ) and the Privacy Act of 1974 that occurred in relation to my personal data confidential information.

As you may be aware, FERPA is a federal law that protects the privacy of student education records and ensures that educational institutions maintain the confidentiality of these records, only releasing them under certain conditions. Additionally the Privacy Act of 1974 establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. 

On XX/XX/XXXX I became aware of an incident where my confidential educational information was disclosed and or accessed without my consent. Specifically, unauthorized access or sharing students records failure to provide written notification of unauthorized access to my confidential information with XXXX XXXX data breaches involving protected student information This incident has caused significant concern, as it undermines the trust and security that is essential in maintaining a safe educational environment. I am requesting an immediate investigation into this matter to ensure that it does not happen again in the future and to assess any potential impacts it may have had on my educational rights.

Given the serious nature of this breach and its impact on my financial standing and potential my personal information be stolen and or breached, I respectfully request that my student loans be dismissed or that my loan status be reviewed for possible cancellation under the grounds of this data breach. My demands are as follows 1. A full review of my situation in light of the FERPA violation to assess how it has impacted my ability to responsibly manage or repay my student loans.

2. Consideration for loan forgiveness or cancellation based on the fact that the violation of my privacy rights were violated 3. Any possible financial relief or remedies that may be available to me due to this incident.

Please provide me with confirmation of receipt of this letter and an outline of the steps that will be taken in response to my request I would appreciate a response at your earliest convenience and no later than 10 business days after receipt of this letter. 
Thank you for your attention to this serious concern. I look forward to your prompt resolution of this issue.
Product: Credit reporting or other personal consumer reports

The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I request to begin a reinvestigation to verify the accuracy of the information with which I disagree, that it is incorrect, inaccurate or incomplete. 
I am writing to you for the purpose of helping me with this problem with the company " Experian ''. I have been doing it for more than a year, asking them to fix some erroneous information that they are putting in my credit, this is affecting me critically in my search of work and in the loans to buy my house. 
My reputation and prestige are damaged, where there is a law that a company can manipulate personal information for profit to increase sales and credit interests for the economic benefit of others, this is unjustifiable, abusive and illegal. 
I demand reinvestigation this dispute for account information from XX/XX/2017-XX/XX/2017 " XXXX '' # XXXX, be removed from the negative record and, I've never had a delay or ever stop paying there is no reason to have it in collection and delinquency. " Experian '' has never presented me with any document or proof, the name of the judge, court, address, and telephone number of each person contacted regarding this alleged account. 
I have asked them on many occasions to investigate the error they have, but they use an automated response system, where all the answers are the same and do not pay attention to the request that I write to them. It is a total lack of respect for citizens not to take seriously the letters I send them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Somebody fraudulently opened a credit card in my name at a credit union I have never done business with. Im disputing it on my credit report as well.
Product: Debt collection

I closed my account with XXXX at their store in the XXXX XXXX in XXXX New Jersey. I paid a total of {$160.00} at the counter, in order to settle any outstanding bill. 

XXXX then sent me a bill of about {$160.00} They placed the amount with a company called 1. Enhanced Recovery Co XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Collection Agencies Website 2.  Enhanced Recovery Company - CLOSED XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX - As you can see, they pop up and then close and then pop up again. They reported a negative mark on my credit report for {$100.00}. In my opinion they are holding my information hostage against me paying them an amount they will share with XXXX. I think this scam is disgusting as I have the receipt from the bill I paid at the counter ( repeating above ) at the XXXX store. 

I have my charge receipt from XXXX, and want them to stop this OUTRAGEOUS practice of collecting an " extra month '' for no reason but to line their own pockets.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of concern regarding inaccurate information on my credit report, specifically reported by Experian. On XX/XX/XXXX, I initiated contact with Experian regarding discrepancies in the reporting of certain accounts. Unfortunately, despite the passage of time, I have not received a response from Experian. As a consumer, I believe that Experian has a responsibility to adhere to federal laws and regulations, including the Fair Credit Reporting Act ( FCRA ). 
The following details the inaccurate information on my credit report and the necessary corrections : XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2300.00} ) : The reported Balance of {$2300.00} is disputed as I recall the amount being lower. 
Kindly delete the Past Due amount, as this account is closed and charged-off. 
Requesting the account to be marked as disputed to prevent further impact on my credit score. 

XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} ) : The reported Balance of {$1900.00} is higher than my recollection. 
Since the account is reported as closed, please refrain from providing a Past Due amount. 
Requesting the account to be marked as disputed to facilitate resolution with the creditor. 

XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$410.00} ) : The reported Balance of {$410.00} is disputed, and I question its accuracy. 
Delete the Past Due amount as the account is closed and charged-off. 
Requesting the account to be marked as disputed to prevent further negative impact on my credit score.

Additionally, verify the Date Opened, Date of Status, and First Reported for this account. 

XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4400.00} ) : The reported Balance of {$4400.00} is believed to be inaccurate. 
Since the account is closed and charged-off, please refrain from presenting a Past Due amount. 
Requesting the account to be marked as disputed to protect my credit standing. 
Additionally, verify the Date Opened, Date of Status, and First Reported for this account.
Product: Checking or savings account

Weve been plagued by overdraft charges. The bank has been over charging us for months. In XXXX of 2022 we were charged 3 times in the same day an overdraft fee. It has continued with similar results only now the overdrafts are a day apart so the fees dont violate Wells Fargo policy. We have called several times and been told no to any kind of refund. Before XXXX we got some kind of restitution. Now when you call the representative is just flat out dismissive. Our local branch has closed and our next closest branch as well so, going to talk to a local branch representative is at least a 30 minute drive. The bank is also aware that we live on a fixed income every month and cant afford these charges. Yet again is isnt a factor on the banks end. It has gotten so bad weve had to constantly bounce our account to pay other bills because of Wells Fargos repetitive fees.
Product: Credit reporting or other personal consumer reports

I have been trying to resolve with Experian since XXXX. Every time I speak with them regarding, they request I upload license and information and nothing gets resolved. Every time I go to make a purchase the same issue arises that the credit report can not be obtained. I have tried multiple times to have the information updated since XXXX  and the report still shows the same information back to 2020. I'm currently in the process of purchasing a vehicle and the dealership is unable to obtain a current report. I was on the phone all day yesterday and all morning. They are now telling me that this process is going to take XXXX days to correct. Unacceptable! I also found out yesterday that the information, ( License and other materials ) requested multiple times in past years has been sitting in queue at Experian and nothing has been resolved. My credit information has been held hostage basically for 4 years. I am at the mercy of this bureau with no resolution in sight and can not move forward with my purchase until resolved as the dealership tells me that they need all XXXX bureaus reports to move forward with my purchase. This is not right.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the inquiries listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these inquiries were made without my authorization. 
The fraudulent inquiries are as follows : Inquiries : 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 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
Product: Debt collection

I have repeatedly advise her I was not able to be contacted at my work place however has continued to call.