23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My complaint is for loans that I have acquired when I was a student which has been transferred to Navient from XXXX XXXX. My loans were a total of {$12000.00} but when I graduated from the University XXXX XXXX XXXX XXXX XXXX as a XXXX, I was not able to find work. This was approximately in XXXX. I was taking care of my XXXX XXXX children at a very low income average. However, I did keep communication with Navient and XXXX XXXX. It just so happened that I was charged late fees, and lack of payment with interest added. My loan grew to XXXX dollars. I have had to borrow money to keep them from reporting me to the credit bureau. In the past few years, I have paid and paid, but my balance seems to stay the same for the most part. I do believe that my account needs to be reviewed.for financial discrepancies. I may be paying money that I should n't have to pay. Also, I have found that XXXX XXXX was paid for several loans thru the Department of Education, so some of the loans that I am being charged could have been already included in my loans thru the Department of Education. My loans are being handled with XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> when I checked my credit report I was unpleasantly surprised to see a drop in my credit score because of a late charge from XXXX. I was even more surprised because I am set up for auto debit from my bank account and have had this setup for many years now. I check my account monthly and the website main page showed payment processed instead of showing payment failed to process. And therefore this reporting of late payment came as a complete shock. 

Please see attached document with screenshots. That shows payment processed and payment received. I had checked on my XXXX card and it showed payment was posted so I had no reason to know that there was a problem. No emails or mails were sent out to bring any issues to my attention or else this would have been addressed long back. 

If payment was not received XXXX should have escalated this to me by sending a statement to my mail knowing that sometimes technology fails. They did not mail anything to me. 

Upon learning about this issue I have already brought my balance down to XXXX by paying over the phone I take my credit rating very seriously and am on top of all my bills which was evident in my XXXX credit score until this adverse reporting from XXXX XXXX I request you to withdraw the late report so my credit score and history are restored.
Product: Debt collection

DID NOT GIVE THIS PERMISSION TO POST THIS ON MY REPORT
Product: Checking or savings account

Hi, I opened a small business checking account with Bank of America in XX/XX/2021. I subsequently decided not to move my banking relationship for the business to Bank of America. I never funded the checking account ; not a single penny. 

Now, I receive a statement indicating the account is negative < $ XXXX for service fees. I called Bank of America to close the account and they won't unless I pay {$48.00}. I don't think this is right. I have no banking relationship with Bank of America and definitely don't want one now. One of the reasons I decided not to move forward with the relationship was the amount of their fees. It is unconscionable for them to extort these fees from me, which will only continue to grow if I don't pay them and then close the account. Please help! This is ridiculous. 

Sincerely, XXXX XXXX XXXX, XXXX
Product: Credit card or prepaid card

I attempted to use my card on XX/XX/XXXX. It would not work, so I called Comenity to inquire. I was told I requested the card to be closed via secure messaging center in XX/XX/XXXX. I advised the representative that I did not make such request. I was then transferred to a supervisor, who reiterated that the card was closed via request in their website secure message center in XXXX. I advised the supervisor that there was no such message in my outbox. He stated that 'sometimes they get deleted. ' I asked why I had other messages in my outbox from the same time period. He stated 'some of them get deleted. ' I asked him to confirm that the only message he was unable to locate was proof that I asked for my account to be closed, and he said that was correct. He confirmed that the company had no proof of my request the account be closed, yet it was closed anyway.
Product: Money transfer, virtual currency, or money service

To whom it may concern, I have tried several of times to get manners escalated directly with Paypal. My account was closed and terminated at XX/XX/2022 Stating that I have Been in violation of PayPal use of services and policy. However this is incorrect and I have not violated any of PayPal 's use of service. I have about {$28000.00} in my PayPal account that is also on hold for 180 days which is unlawful as well as a violation. I am demanding for my account to be reopen and for my funds to be released within five business days of receiving this complaint or I will move forward with filing a litigation against PayPal. A client of mine attended a free event where I gave out numerous of resources on how to create passive income to becoming a first time home owner. The client after four days of attending the event she decided to book a consultation with me and got confused if I provided credit repair services. She was not able to do the phone consultation because we stated to her that we were not able to help her with credit repair services because we do not offer that. She file dispute to open the case For a refund and decided that it was in her error But when she called PayPal to close the case, she state they refuse to do so immediately! After PayPal decided to hold my funds and close out my account. My client and I have tried numerous of times to get in contact with Paypal in regards to this issue but they have failed to get matters escalator or to acknowledge our concerns. She simply book a personal coaching call in needed a few guidance, however the money is still on hold. I refuse to be bullied from using my Federal protected consumer rights with Paypal code business and ethics. To hold my funds for 180 days is misusing their fraud and banking model. Behaving ethically And responsible means Doing the right things in all situations, This hardly seems compatible with people being out of business and their money. The Paypal website is replete with stories of person 's put out of business due to by Paypal 's actions. Many small business have great difficulty due to having their funds frozen. ( Pay- Pal community web ). I will attach proof of the conversation between me and my client trying to get a payment released and case closed. My business also has a five star ratings on XXXX and nothing on my website advertises that we offer credit repair services or sell any type of insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Equifax : I was lucky to get a copy of my and XXXX XXXX credit reports through a mail request. Equifax has never mailed out to me a credit report. I am respectfully requesting my Equifax credit report, even if I need to pay for one. 

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

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

identify you and your account Add comment..

( 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 XXXX financial loss, and I seek appropriate redress for these violations
Product: Vehicle loan or lease

What happened in regards to the estate of XXXX XXXX is the authorized agent of the principal has tender payment to satisfy discharge and setoff to the principal account and credit principal balance. Attempts to further this conversation with the Westlake financial federal reserve agent also known as XXXX XXXXwith no correspondence to the tender that's was presented the registered number for the certified mail is # XXXX I have not been issued a correspondence for the tendered payment.UNDER DURESS THE VEHICLE WAS REPOED WITHOUT LEAVING ANY NOTORIZED DOCUMENTATION BY AN MAGISTRATE/OFFICER OF THE COURT. IN BREACH OF SECURITY AGREEMENT TERMS.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to demand immediate action regarding a serious issue involving my credit file. My personal information was compromised in a data breach, resulting in identity theft and fraudulent activity reflected in my credit report. Despite previous attempts to address this issue with you, it has not been resolved.

Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am legally entitled to have all fraudulent accounts and inquiries permanently blocked and deleted from my credit file. I have outlined the fraudulent accounts and inquiries below : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX  Inquires XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

LoanCare took over my mortgage when XXXX went bankcrupt. I have never missed a payment and they have cash all my checks or processed electronic payments. They did not credit it me the first payment made for XX/XX/XXXX, the check cleared the bank XX/XX/2019. I have been trying to resolve this for months and have sent copies of the checks 4 times and talked to them for hours. They promise to fix it but never do not, they are charging me late fees. I have spent hours and hours on hold. I have documented everyone I talked to or e-mailed. I am at wits end to know what to do any more.
Product: Debt collection

I contact Midwest Recovery Systems three times to see the nature of the debt. I have never conducted business with this company of any affiliates. I have asked the representatives to verify the debt to which they could not find any information regarding me ever having an account with them. To no avail I have tried to dispute this from my credit report. It is effecting my credit score because it shows up as a collection. However I do not owe this company anything because I have never had any business with them or any of their affiliates.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
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 XXXXXX/XX/XXXX
Product: Credit reporting

XXXX XXXX. XXXX XXXX XXXX, GA XXXX Or XXXX XXXX. XXXX XXXX XXXX, PA XXXX Or Experian XXXX XXXX XXXX, TX XXXX XXXX XXXX, SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear Sir or Madam, Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : Please removed this ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX - REPORTED XX/XX/XXXX not my address fraud XXXX ACC # XXXX XXXX {$180.00} XXXX XXXX charge off {$4800.00} XXXX XXXX XXXX XXXX # XXXX As required by FACTA and in support of my request, I am including a copy of my identity theft report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely, XXXX XXXX, SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Formal Dispute Regarding Credit Inquiry and Lack of Communication To Whom It May Concern, On XX/XX/year>, I accessed the XXXX XXXX XXXX XXXX ( XXXX ) website via XXXX to initiate the pre-approval process for financing. The website explicitly stated that the pre-approval process would involve a soft credit inquiry, and if approved, I would receive financing options. 

However, I did not receive any form of communication regarding the outcome of my application. There were no phone calls, text messages, or emails to confirm whether I was approved, denied, or required further action. In an effort to follow up, I sent an additional email to the address provided ( XXXX ), but I still have not received any response. 

Recently, I discovered that a hard inquiry was made on my Experian credit report, which contradicts the websites representation of the process as a soft inquiry. Furthermore, according to federal regulations, I am entitled to a clear communication of the decision on my application, including the reasons for denial if applicable. XXXX has failed to fulfill this legal obligation. 

I have repeatedly contacted XXXX XXXX for assistance in resolving this matter, but I have been transferred between departments without any resolution or access to the necessary information. 

I am formally requesting an explanation for the unauthorized hard inquiry on my credit report, a clear decision on my pre-approval application, and documentation of the reasons for any denial, if applicable. 

Additionally, I ask that the hard inquiry be removed from my Experian credit report, as it was conducted under misleading circumstances. 

I appreciate your attention to this matter and look forward to a timely resolution. 

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

I never opened this account and this is not mine. I have reached out to the creditor and the bureaus to remove this account from my report. XXXX & XXXX is no longer reporting this however XXXX is still reporting this and it is severely affecting my scores.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX AND XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX AND XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit card

I was XXXX from XX/XX/XXXX, XXXX XXXX, 2023 ( which I sent proof of ) and there was {$48000.00} on a charged off business line of credit ( credit card # XXXX ) for my business, XXXX XXXX and XXXX XXXX XXXX XXXX. The perpetrator did make charges prior to the listed dates as well ; However I did not catch it. I have disputed it with Wells Fargo with XXXX FTC reports, a Police report, and proof that I was XXXX  yet, they still deny it even though the same thing happened to my other business account with them that they accepted ( XXXX XXXXh $ XXXX Acct # XXXX ). I have disputed it multiple times and they deny that it was fraudulent. I tried to do everything I can ; However, I refuse to pay fraudulent charges that are being handled with integrity by Wells Fargo. They need to rectify this and remove ALL of the credit card balance from my charged off account.
Product: Debt collection

In accordance with the credit report XXXX, XXXX XXXX XXXX Account number XXXX has violated my right. 


15. U.S.C 1681 section 602 A. states I have the right to privacy.

15. U.S.C 1681 section 604 A section XXXX : It also states a consumer reporting agency can not furnish my account without my written instructions
Product: Credit card

When I opened the Sears Credit account in XXXX 2014, I purchased a refrigerator and television, and their warranty plans, for a total of {$1600.00}, using the 24 month deferred interest promotion. I am wondering, since those were my first purchases on this account, why have n't my payments been going to those balances first? Why, in 18 months, has only {$200.00} been applied to their balances? The accrued interest set to be added is currently at {$870.00} and likely to be {$1000.00} by XXXX, when the promotion expires. 
I pay much more than the minimum due each month. At the very least, why is n't that extra money being applied to those balances? I looked throughout their website and could not find where to set it up that my payments be applied in this way. ( Another company with similar promotions has choices on their website. ) I could not find anything on their website or statement describing how payments are applied ( other than the info regarding standard payments and grace periods-which do not apply here ). There are now only 4 months left on that promotion, and I want to guarantee that all of my payments are applied to that promotional balance. 
**I tried sending an email to sears on their website. I had all the above information included. When I tried to send it, I got an error message stating " special characters were not allowed ''.
Product: Mortgage

I just reinstated my mortgage loan to prevent foreclosure and save my home and now my lender has nearly XXXX my monthly payment for no reason
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud Activities is going on with someone trying to open accounts I have a fraud alert on all Major Credit Bureaus How is it that they can apply for credit using my personal information with my Authorization
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose SECONDLY IVE NEVER OWNED AN ACCOUNT WITH THE ACCOUNT # STATED ABOVE AND ON MY REPORTS. NOT MY ACCOUNT.
Product: Mortgage

On XX/XX/XXXX I lost my job, I was unemployed until XX/XX/XXXX. In the meantime I was able to pay my mortgage out of savings until XX/XX/XXXX. At that point I called the mortgage bank for assistance and they told me that I qualify for a forbearance of XXXX months and that I will return to make regular monthly payments, however in XX/XX/XXXX I received a letter " Notice of Intent '' for foreclosure. I also requested a loan modification and the denied without letting me know. They want me to pay the last XXXX months the told me I will be in the forbearance. I have made XXXX and XXXX payments and now I can afford to keep paying.
Product: Credit reporting or other personal consumer reports

I filed a complaint with the three credit bureaus regarding inaccurate items on my credit report. They ignored my complaint and accused me of using a third party to file it. This is not true, as I submitted the complaint myself. Attached are some letters and my ID for your review. If they continue to ignore my complaint, I will file a lawsuit against them and demand compensation for the damage they have caused.
Product: Debt collection

I started working for a company in XXXX when I got out of high school. ( XXXX XXXX ) I was n't making any money so I got a real job. They stated that I had sold knives to a customer in which they did not finish paying for. Did n't know anything about it at the time. I see on my credit report that they were reporting. However a collection agency has it. I called the company directly and they stated the amount is XXXX. So I have made payment arrangements with them. However Chase is reporting on my credit for XXXX and some dollars. XXXX states that they never sent that amount over. I was never contacted by chase. When I called them the rude lady tells me it does n't matter what XXXX states I must pay them what they ask for. I never went through this with any other collection agency. The lady lied and said I spoke with them in XXXX XXXX, was n't me, it was the credit repair company apparently. Then she lied stating they sent a letter after they got my info in XXXX, but before that they did n't have a way of contacting me. I was never contacted regarding this. I feel that chase needs to stop reporting wrong information on my credit report.
Product: Mortgage

I have a second mortgage on my home thru us bank. In the fall of XX/XX/2020 the bank notified us that the area where our home in has been reclassified and now lies in a flood plain. I obtained flood insurance thru my agent and fema. US bank is charging me XXXX dollars a month on top of my mortgage to pay for flood insurance. Despite me calling multiple times in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and giving them my agents information to get my food insurance, they continue to charge me for this unnecessary insurance. I don't know where else to turn
Product: Vehicle loan or lease

I purchased the car with a XXXX down payment, I was not aware that it was balloon payments. I have already paid in about XXXX dollars into a car that is only worth about XXXX dollars because my interest rate is 22.03 % I am honestly drowning because of ridiculous monthly payment of XXXX and am nowhere close to being down paying this car off.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to JPMCB AUTO XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.