23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Rent recovery solutions is collecting a debt on    XXXX   XXXX   XXXX   XXXX   behalf. I w as not notified of the debt until after it was filed through Rent Recovery Solutions. I am paying on this debt monthly and has requested a print out of some sort showing this. The  Federal  Trades commission guarantees the right to have  a paper trail of what you are paying. I can not find a place for my children and I to live without this. Please help as soon as possible. When I speak with certain people for this company they attempt to over talk me.
Product: Credit card

A credit card was opened in my name, XXXX XXXX. However, I have gone by my married name for over XXXX years which is XXXX XXXX XXXX All other accounts appear in my married name and use the following information : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX P : ( XXXX ) XXXX P : ( XXXX ) XXXX Email : XXXX The card is negatively impacting my report.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX Account Number:XXXX Date of Charge Off : XXXX Amount : {$0.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a new car and traded in the one that I had with Skopos Financial LLC. in XXXX and the car I had with them ( the loan ) was paid off in full. Unfortunately is is being reported on my report as closed and not paid in full and I have asked them repeatedly to correct and to date they have refused to do so. I have the letter confirming it was paid in full and not closed and want them to update my report accordingly and the letter indicates.
Product: Student loan

I am filing this complaint because Navient has unjustly denied my application for a XXXX XXXX XXXX. Despite the XXXX XXXX XXXX XXXX XXXX being legally recognized for its predatory practices, and my federal loans being discharged under the Borrower Defense to Repayment ( BDTR ) program, Navient refuses to discharge my private loans. 

Navient has failed to provide a clear reason for the denial of my discharge application multiple times. I have submitted ample documentation proving the schools misconduct, and yet they responded by stating that their criteria are confidential and proprietary. This lack of transparency feels like a deliberate attempt to avoid discharging my loans. I believe Navient is prioritizing their financial interests over my legitimate claim for discharge, and I feel they are unjustly denying my application without any clear or fair explanation. 

Furthermore, the burden of over {$250000.00} in loans has severely impacted my mental health, career in the military, and my familys financial stability. It is deeply frustrating that Navient has not taken my documented evidence and circumstances into account. 

I am requesting that the CFPB investigate this issue and ensure that Navient provides a transparent and fair review of my application.
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 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. ( 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: Payday loan, title loan, or personal loan

Well, its kind of been a snowball effect ever since I got my first payday loan. They have identified me as prey in their predatory loan schemes. I have been struggling to keep my head a float but now I am completely submerged and drowning. My bank account has not been a positive number for nearly a month. I have 5 payday loans in the state of ohio for amounts of {$1000.00} to {$300.00}. I can't pay any of my other bills, or afford the overdraft fees my bank have XXXX me with. XXXX XXXX has not been understanding of my financial situation and I can't get a loan to consolidate because of my recent credit history, utilization and delinquency. I can't pay my bills, yet XXXX, XXXX, spotloan, XXXX, XXXX, XXXX, are robbing me of every dollar I make. I don't know how to resolve this situation and I can't work enough hours or make enough money to end this cycle. I tried by getting a unsecured loan for XXXX but have now gone into default with this loan as well. My credit was starting to get better, but after an unexpected expense it has led to this. I am severely afraid for my financial future and need some one to protect me from these predatory lenders.
Product: Debt collection

I answered a phone call from regional recovery. I asked them for written verification of the debt and he told they dont have to do that and refused. I told them that was my right and he said it was not and that he would take this as refusal to pay the debt. I then told him that I am not refusing I just want validation of debt. He then hung up. This all occurred on XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Several attempts have been made to remove seven ( 7 ) non-mailable addresses and three ( 3 ) employment histories off my credit report with Equifax. The website does not allow you to remove for inaccuracies ; just for " address belong to someone else, theft or fraud or I've never lived there ; without an option for non-mailable addresses and employment history.The only address to remain is my current address and current employment.

According to 15 USC 1681e 607 ( b ) Accuracy of Report ; and FCRA You have the right to dispute incomplete or inaccurate information. Inaccurate information must be removed immediately ; these are non-mailable addresses and I no longer work for those employers.
Product: Checking or savings account

I am a longtime customer of Fifth Third Bank, where I manage my checking and two savings accounts almost exclusively via my desktop computer. In the many years Ive been a customer, Ive not experienced any problems accessing my account online until XXXX of this year, when I could not log in from my desktop computer for an extended period. 

I first discussed the issue with my local branch on XX/XX/22. The rep had me try to log in using different browsers, changing browser settings, etc., to no avail. He stated that hed contact the banks IT department, who would work with me to fix the issue. I never heard from IT, and so contacted my local branch again. This time, I was told they couldnt resolve my account access issue and advised me to seek help from corporate customer service, which I immediately did. The rep in that department researched the matter and reported that there was a known, ongoing issue of browser compatibility. She informed me that IT was working on a fix but she could not estimate when the problem would be resolved. She suggested that I simply keep trying to log in each day. 

Eventually, I was able to log in to my account, but it wasnt long before I was locked out for the second time. In fact, the problem is recurrent. To date, there have been at least four instances in which I was denied access to my accounts for multiple consecutive days : XXXX XXXX ( 10 days ) ; XXXX XXXX ( 8 days ) ; XXXX XXXX ( 3 days ) ; XXXX XXXX ( >15 days ). 

After escalating the matter, I communicated with two representatives of the Office of the President, who, over the course of many weeks, attempted to mediate a solution with the banks IT department. A permanent fix still has not been made. I did learn that the recurring lockout is an unintended consequence of new security software and is triggered when my login credentials are used after the IP address of my desktop computer has updated. Because most personal desktop computers use a dynamic IP address, its occasional reassignment should not trigger a security lockout. Indeed, Ive never experienced this issue with any of the other financial institutions with which I do business. Apparently, the lockout imposed by Fifth Thirds security software is relieved automatically after an unspecified period of time. It can be lengthy, as evidenced by the current episode, which has lasted 15 days and is ongoing. 

Fifth Third Bank has been aware of this software bug for many months, but obviously has not devoted sufficient resources to resolving it. Many customers besides myself have been impacted. The webpage XXXX ( XXXX XXXX XXXX  ) exhibits multiple pages of complaints registered over the past several months ( 154 in XXXX alone ) by Fifth Third 's customers experiencing account lockouts exhibiting similar characteristics : desktop computer couldnt login but mobile device could ; lockout period lasting many days before automatically resolving spontaneously ; OOPs error message received. Consequently, many of Fifth Third 's customers have not only been inconvenienced, but undoubtedly incurred fees arising from their inability to expeditiously manage their accounts.
Product: Student loan

I made at least 5 payments of over 200 dollars to XXXX  and then paid the smaller amount for 2 years. I never missed a payment. This was supposed to last for 10 years. My income went down and randomly they decided to make my payment 150 times more than it was supposed to be. I couldn't afford it and they put my loans in default as well as gave me no credit for anything that I had paid towards.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXX  XXXX Account Number : XXXX UNUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy 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 ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Checking or savings account

I had an account with Truist bank. My colleague and friend XXXX transaction to me a total of {$2200.00} split in two transactions. One for {$1000.00} and one for {$1200.00}. Truist fraud department froze my account for " suspicious zelle activity ''. I called the fraud dept and explained the situation. My colleague and friend, called the fraud dept and explained the situation. Truist refuses to disperse the funds into my account to withdrawal. 
I was receiving this money for my rent. I now face eviction and homelessness due to truist continuing to hold my money. There is zero fraud happening. XXXX refuses to explain why they are continuing to hold the money and have given zero information on what to do at this point. They froze my account because my friend sent me two XXXX transactions. How is this right? I need representation to fight this as I am now going to lose my home.
Product: Mortgage

Opted into the Cares Act Forbearance because we have been affected by the coronavirus pandemic. Received approval and no payments are due until XX/XX/XXXX. However, I recently received a demand letter from SunTrust stating that I needed to arrange payments immediately to avoid foreclosure. I called the bank and spoke with a member of the Home Preservation Team, who told me that it was a " system glitch '' and I should " just disregard it. '' She also stated it would not happen again.

However, three weeks ago, someone drove up in my yard and was snooping around my home and taking pictures while my blinds were open. They did not ring my doorbell. So I went to my front door after they left and found an envelope on my door asking me to call my " mortgage servicer. '' I ignored the letter because there was no need for SunTrust to send someone to my home, and I thought it was a scam. 

The following week I was in my foyer and my blinds were open, and someone was snooping around peeping into my home and taking pictures again. I was not dressed appropriately to go outside so, by the time I got dressed and went to investigate, the person had already left. My neighbor came over to ask us what was going on if we were selling the home because people are coming every other week to take pictures and leaving notices on the door. It was so embarrassing! 

Today, XX/XX/XXXX, a male approached my home taking pictures and snooping around. But he left before I could call the police. I was very concerned because these people have been coming here and leaving the same envelope with the same message and phone number ( " Please call your mortgage servicer at XXXX '' ) and taking pictures. Again, the same envelope was placed on my front door. I was very upset so I decided to call the number to let them know that they were harassing my family and they should cease and desist. To my dismay, I was actually connected to SunTrust. I could not believe it. I was waiting for hours without being connected so I decided to request a callback. At approximately XXXX I received a call back from a rude representative who was more interested in asserting that SunTrust can send investigators to my home to find out if I am living here. I asked him what was the reason and he would not tell me. I told him that there is no need for someone to be snooping around and invading my privacy, and there was no communication from SunTrust regarding these visits, but he was very argumentative and unprofessional. He further stated that if I don't call SunTrust frequently to verify that I am still living in my home, then SunTrust will continue to send investigators here. 

At this point, inappropriate photos of my XXXX child and myself may have been taken and in the possession of strangers. I am very concerned about this huge violation of our privacy by SunTrust. 

P.S the letters have no other information than the phone number and " call your mortgage servicer. ''
Product: Debt collection

I was contacted over years ago about an old account that had been closed for years. The company had actually screwed me over, robbed me and we made a deal to settle, I sent everything back and now live 4 hours out of their network. When I explained this, the employee at Harris and Harris started the schpeal they all have to. It went no where. I hung up. 
I was called again. I said I have no business with you guys as you can't even provide proof you bought any kind of debt. I need a debt validation notice. That's when the male said he would XXXX me and my child. I lost it on him, as a mother would. 
I have been harassed daily ever since. I traced the called to the XXXX account they use to hold numbers and make robocalls. Intraced back to multiple state facilities of them harassing me and as the reviews I saw, many others.
Product: Debt collection

XXXX XXXX {$120.00} Contacted about the wrong amount
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax handled my data poorly and leaked it by having poor security. I verified this via their website : https : //www.equifaxsecurity2017.com
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was used without my knowledge or consent due to several agencies having a major data breach. There have been auto loans, peroneal loans and credit cards and inquiries that have been reporting on my credit report and I have just recently just become aware of these items. I have disputed these items with the credit agencies over 45 days ago and I haven't received a response nor when I have called the agencies are unwilling to look into the matter by stating that give it some more days for them to receive the disputes. I know it doesn't take over 45 days for them to receive and perform an investigation into the allegations of misuse of my personal information.
Product: Money transfer, virtual currency, or money service

The company I am having a problem with is PayPal.On XX/XX/2020 I used paypal to pay for a pool from an online website. I never received the pool and I submitted a case to paypal who should cover this with their buyer protection policy. The seller did not respond to me in any way. PayPal apparently got tracking information and promptly closed the case. The tracking information is to the wrong address and there is no way for me to dispute their ruling nor to contact anyone at paypal. here is the details of the transaction : XXXX XXXX -negative {$99.00} XX/XX/2020 Payment Paid with {$99.00} XXXX XXXX XXXX {$99.00} XXXX XXXX XXXXYour backup is VISA XXXXShipped toXXXX   XXXX '' Address '' XXXX XXXX XXXX XXXX XXXX , WI XXXX United States Have you received this order? 
No Shipment Tracking XX/XX/2020, Sent by MANUAL Status : ShippedHave you received this order? 
XXXX XX/XX/2020, Sent by USPS Status : Shipped Transaction ID XXXX Seller infoXXXX   XXXX Purchase details XXXX   XXXX {$99.00} Item # 1 Total {$99.00} The information that Paypal has is correct and we had to call the USPS to find out where that tracking number went and it is not our address nor anyone that we know. Again Paypal has closed the case and does not alow a new case to be opened or any sort of dispute. In addition to this, when we XXXX the serllers website it has since been ID 'd as a scam ( XXXX ).
Product: Credit reporting or other personal consumer reports

I have credit inquiries on my credit report that I did not authorize I have been a victim of identity theft and due to the fcra I will like these to be treated fairly and have them deleted, I will be providing documentation
Product: Payday loan, title loan, or personal loan

Money Lion makes available to its members a Credit Builder Plus loan and a XXXX loan. The credit builder plus loan requires you to have a membership that is independent of the XXXX  account. Upon paying off my credit builder plus loan, I attempted to reborrow but kept getting a message saying " your internet connection is down '' when in fact I had full service. After calling Money Lion, they said " upon checking, we see that you have a balance on your XXXX  account and you can not reborrow until that is paid '' 1. The message is misleading and deceptive and I was never notified if I paid off, I could not reborrow. It is obviously not an internet issue, rather another shady business practice by this company. 
2. The accounts were independent and non contingent on each other. My membership fee is excessive, but does not include use of XXXX, as those fees are paid above and beyond what is included in the membership. These loans are not connected at all and should not depend on each other for approval. 
3. This isn't the only functionality issue I have had with the app. This summer I was trying to make payments using debit card and the functionally was broken for months even though they advertised it.. I had to provide payment info over emails many times to reps so they could run it manually which was completely insecure and unprofessional. 
4. XXXX XXXX  loan amounts change constantly and are inconsistent, putting borrowers in dyer financial situations when they can not reborrow the same amounts from the previous week. This does not help build financial stability as marketed, instead causing financial distress and putting borrowers in unmanageable situations.
Product: Debt collection

I have asked midland funding to furnish proof that indeed this account on my credit report is mineThey are not validating and said they do n't have anything listed on my credit report
Product: Checking or savings account

Recently, when I attempted to access my account, I was unable to log in and received a message stating that my account does not exist. Upon calling customer service, I was informed that my account is under review. 

I asked for clarification on how I could access my funds and the reason for the review, but was told that this information could not be provided and that the review would determine whether my account would be retained. This situation is deeply distressing, as my account is in good standing with a balance of over {$XXXX}. I have children and a family to support, including immediate needs such as buying diapers. 

This is not the first time I have faced issues with my account. Previously, funds were removed from my account without explanation after I made a deposit, and I had to fight to get that money back. This ongoing situation is unacceptable and is causing significant financial and emotional stress.

I urgently request the following : 1. Immediate access to my funds.

2. A clear explanation for the review of my account.

3. Assurance that my account will be resolved promptly and without further issues.

Please treat this matter with the utmost urgency. I look forward to your prompt response and resolution.
Product: Credit reporting or other personal consumer reports

There is a collection account on my credit report that isnt mine. The original debtor is a hospital I have never been to and dont even live close to.
Product: Mortgage

This is now the 2nd complaint for the same problem I've had and filed through here. The last time the company just told this bureau they fixed the problem and they did not. That case was XXXX. It's now been 3 months since my mortgage account at Mr. Cooper has been messed up. I continually try to make payments and keep getting told the are doing a loan modifications and will receive paperwork shortly via XXXX. The last time this happened was over the phone on XXXX XXXX at XXXX central time. I still have not received this loan modification they have told me they were sending. They continue to call and send out texts to me saying they are a debt collector which has now just become harassment. This problem has also taken its toll on my XXXX XXXX as my score has dropped XXXX points and they are reporting serious delinquency to the credit bureau.