23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Complaint is in regard to Portfolio Recovery Associates, on a credit card account for XXXX. XXXX account # XXXX, issuedthru XXXX XXXX XXXX. 
I have tried to call Portfolio Recovery, about a dozen calls in all, they flip your call from one rep to another, and / or disconnect the call. I have asked to speak to a supervisor, XXXX XXXX, to no avail. They send you to their PRA Resolution website which does not allow me to submit the complaint. 
I am enclosing XXXX pages of documentation. 
First XXXX pages are letter sent to me on XXXX/XXXX/XXXX along with refund check of {$160.00}. Amount of payment is incorrect according to paragraph XXXX of their letter, that states that the refund is in accordance with the consent order reached with CFPB, and that the refund amount covers payments made in the first 60 days. 
They keep telling me that the amount they sent was DETERMINED by CFPB, and refer me to you. 
XXXX XXXX and XXXX of my documents are copies of settlement agreement dated XXXX/XXXX/XXXX. First 2 payments scheduled are XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. 
FIRST 2 PAYMENTS WERE MADE WITHIN 42 DAYS AFTER AGREEMENT MADE, BY PHONE. 
XXXX XXXX and XXXX of the attached documents are copies of XXXX XXXX XXXX statements that show that payments of {$160.00} were actually withdrawn fom my account electronically on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, for the benefit of payee Portfolio Recovery. 
SINCE THEY RECEIVED 2 PAYMENTS TOTALLING {$320.00} IN THE FIRST 42 DAYS FROM AGREEMENT / ARRANGEMENT MADE BY PHONE, I FEEL THAT I AM DUE ANOTHER {$160.00} REFUND CHECK, AS PER TERMS OF CONSENT ORDER. 
IN ADDITION, AS YOU CAN SEE ON XXXX/XXXX/XXXX LETTER SENT TO ME THEY HAVE FAILED TO LIST CONTACT PHONE NUMBER FOR CFPB, AND OR WEBSITE FOR CFPB, FOR FURTHER FOLLOW-UP. 

Please enforce the consent order terms to the fullest extent. If they are trying to XXXX me, they are doing it to others, as well. 

Thank you, in advance, XXXX XXXX ( XXXX ) XXXX Email : XXXXXXXXXXXX
Product: Credit card or prepaid card

Chase bank has closed my account and did not tell me they were closing it until i saw on my chase app that it was suspended when trying to log in. This is unfair and I am a customer that uses this bank to make all of my payments. There was fraud on my account that happened and some of the money was given back and some were not because my card was taken from me and I did not know that it was. I talked to the bank multiple times and they said there was nothing they could do on their end because I stated that my card wasnt in my possession but I do not use my card everyday to know when it is. This is completely ridiculous and unfair. Ive banked with chase for years now and this has never happened to me. I need to bank with them because my family uses this bank as well so its the most convenient for me. Completely ridiculous. I can not believe this.
Product: Student loan

Fed loan servicing company was supposed to issue me a check in the remaining amount they owe me for my student loan reversal. They still owe me XXXX $ and said they were issuing me a check in XX/XX/2022. I have still not received this payment. When I call the number for the customer service it is no longer a working number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX DOB XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX/XXXX XXXX Reported : XX/XX/2019 - {$780.00} Closed XXXX XXXX Reported : XX/XX/XXXX XX/XX/2019 - {$500.00} Closed XXXX, XXXX XXXX DOB XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX
Product: Debt collection

Harris & Harris Ltd is a collection agency for the Commonwealth of Virginia. They forwarded a tax lien issued against XXXX XXXX XXXX a taxable corporation that is owned by its 100 % parent corporation, to XXXX XXXX. XXXX XXXX  illegally confiscated the assets of an XXXX-qualified retirement trust, which holds protected retirement assetsXXXX XXXX  failed to perform reasonable actions to assure it was seizing the assets of the party owing the tax. Instead, XXXX Bank confiscated assets that are protected under XXXX, a federal law that provides protection from creditors, especially from parties who owe nothing to the Commonwealth of Virginia. The beneficiaries of these assets have no tax obligations of any kind to the Commonwealth of Virginia. 

Demands made to Harris & Harris were answered with form letters on how to make payments on the remaining amount due. They ignored my assertion that the retirees do not owe any taxes or other debts to the Commonwealth of Virginia. They made no effort to resolve this problem. 

The seized assets are {$5300.00}. The tax lien was issued on XX/XX/2023 to XXXX XXXX XXXX. The XXXX retirement trust is clearly labeled as owned by XXXX XXXX XXXX. Employee Stock Ownership Plan and Trust. The undersigned, XXXX XXXX XXXX, XXXX, is the XXXX Trustee. XXXX XXXX  and Harris & Harris Ltd acted with a total disregard for the federal laws protecting XXXXretirement assets.
Product: Vehicle loan or lease

I just had ask them to remove late payments off my credit report because a lot of this was during the pandemic and I was struggling. Now I make my payments on time and I would appreciate it if they remove them.
Product: Credit card or prepaid card

I have identity theft. I thought this was the place to report it. I have numerous cards and a phone account opened in my name.
Product: Credit card

Hello, My name is XXXX XXXX and I am writing in regards to my Barclays Rewards MasterCard. 
I had hoped to secure a Credit Line increase on the card account without a Hard Inquiry/pull on my Credit Report, since they last for 2 years. And it 's frustrating that this can not be done. 
I am always advised when I call in, that if I do not want this done, I would have my account randomly reviewed at some time - when no one knows. But this continues to be the case. 
I have had this account for well over one year, and it still has not been provided with an auto increase. Even though there is documentation online that states an auto incerase will happen within 12 months. I 'm still waiting. 
I would like to know when my time will arrive for an automatic line increase? 2,3,4 or 5 years from now? 
I only have {$1000.00} in available credit, so if I even attempt to charge how I 'd like to charge, my utilization on this card will shoot well over 50 %, and that wo n't be good on my record, causing my XXXX to drop - hard. 
So, I 've been relagated to charging only $ XXXX a month in order to remain compliant. But it appears Barclays does n't value my relationship with them to even offer any type of line increase. 
I honestly like the card, but I 'm afriad to use it like I want to because I have a low limit. 
Please let me know when my account will qualify for an automatic increase, since it has been active in good standing for well over one year.
Product: Credit reporting or other personal consumer reports

I REVIEWED MY CREDIT REPORT, I HAVE SEVERAL FRAUDULENT ACCOUNTS ON MY REPORT. I NEED THESE REMOVED BECAUSE THEY ARE HURTING MY ABLITY TO OPTAIN CREDIT
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. This complaint to TransUnion was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$450.00} XXXX  XXXX : {$0.00}
Product: Payday loan

I keep getting emails saying I owe money over XXXX ive neber taken out a loan
Product: Debt collection

The XXXX XXXX debt collection XXXX XXXX has been calling me and collect the money in the account has been closed and paid off and I understand even has payoff still is not gon na move from my credit report, but I sent it dispute too many time XXXX not complete and I would like this time the company see my message and complete my dispute
Product: Student loan

Navient has ignored or failed to respond to multiple requests for IBR income reevaluation. I changed jobs and my income decreased dramatically, and Navient has yet to respond to any of my form submissions sent both via fax and their online website. Documentation of income was sent in XXXX forms, as a copy of my paycheck and a letter from my employer documenting my hourly wage. I can not afford to pay the amount they are asking on my wage!
Product: Mortgage

I recently reviewed my mortgage statement and was surprised to see a higher balance than expected, despite having autopay set up with scheduled overpayments. 

Upon closer inspection, I found multiple unexplained {$20.00} fees appearing on my statements since XXXX. After thoroughly reviewing my email, notification center, and all relevant documents, I found no prior notice of these charges. 

When I contacted XXXX XXXX  they informed me that the fees were tied to payoff letter requests. I had requested a single payoff letter in XXXX while exploring a refinance but was never informed that this request would incur a fee. The servicer then claimed that three additional payoff requests were made in XXXXrequests I did not personally make, though a refinance lender I was working with may have submitted them on my behalf. However, when I asked for evidence of these requests and the associated charges, XXXX XXXX was unable to provide any. 

In total, I was charged {$80.00} in fees without prior notification, consent, or proof that I made multiple requests. Despite disputing the charges, the servicer refused to remove them and could not provide documentation supporting their claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, and XXXX Account # XXXX have 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : 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: Credit card or prepaid card

On XX/XX/XXXX, I received an email for a cancelled flight on a trip I had booked. I immediately contacted Chase Travel rewards in regards to this and cancelled my trip. I was told that the cancellation was successful and I will be receiving my points back from me. I could expect to receive the XXXX back in approximately 3-4 business days. Great. This did not happen. I went to the portal again to contact someone on XX/XX/XXXX in regards to this. They said they are going to look into this and will get in contact with me in a few days. Ok cool. Nobody had called me yet again. I finally called on XX/XX/XXXX in regards to this. Explained my situation and was told I will not receive my points back. After being told over 2 weeks ago that I was? I wanted to speak to a manager and waited on hold for one for 30 minutes. Finally, I said just call me back I don't have the time. I have yet to hear back from them 3 days later. I am forced to make this complaint because I was told one thing and then told another 2 weeks later. You can't say I will receive my points back and then say nevermind you aren't going to now.
Product: Student loan

I do not have dates currently but wanted a record of a formal complaint. I have since consolidated but loans but previously had them with navient. I was a student that they offered forbearance to and they did not speak about income driven payment until it was in the news. The cost of the forbearance was that it just about doubled my loans. The final number ended up being {$160000.00} and should have been around {$80000.00}. 

I would also send in payments weekly and noticed they were not allocating my payments correctly. They would claim it was a glitch in the system. Due to the way interest is added I will never know if all my payments were ever accurately fixed. It just felt wrong they were able to claim a glitch a move on. I am happy to provide any details in the event you need further information.
Product: Debt collection

This account has been on my credit report and I have tried numerous times to have it removed. The company will not send me copies of any original paperwork to prove that the debt is mine. 
{$1000.00} from XX/XX/2019.
Product: Money transfer, virtual currency, or money service

I had my work checks direct deposited into my XXXX account, and then XXXX froze my account and will not give me access to the money i worked for.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about  XXXX   XXXX ,  XXXX ,  XXXX   XXXX   COLLEGE  OPENED A STUDENT LOAN ACCOUNT WITHOUT MY AUTHORIZATION. I ATTENDED THE SCHOOL FROM  XXXX  THROUGH THE  XXXX  OF  XXXX . I WAS NOT ATTENDING THE SCHOOL IN  XXXX   XXXX .     THE DEPARTMENT OF EDUCATION HAS NOW AUTHORIZED PAYMENT DEFERREDMENT. HOWEVER, I NEVER ASKED FOR A DEFERRAL.
Product: Debt collection

In response to CFPB complaint - XXXX - XXXX My name is XXXX XXXX XXXX, a federally protected consumer, and Iam making this complaint against XXXX XXXX XXXX XXXX for violating a cease and desist notice they received and for continuing to invade my individual privacy by committing abusive deceptive and unfair debt collection practices. 
I have attached a debt validation letter, a cease and desist notice. Exhibit A which is a copy of the reporting on my XXXX XXXX report, Exhibit B which is copy of their response to CFPB complaint - XXXX - XXXX ) and a pdf of an FTC report that will be labeled as exhibit C when filing for litigation in XXXX XXXX to this complaint. XXXX XXXX XXXX XXXX Stated Enclosed are the documents validating the account But I never contracted with them and they have no reason to have my identifying information. Also pursuant 15 USC 1692g ( c ). I have not validated any alleged debt with XXXX XXXX XXXX XXXX and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. XXXX XXXX XXXX XXXX Stated XXXX XXXX purchased the account from XXXX FED on XX/XX/year> As of XX/XX/year>, I have not received any documentary evidence, such a trilateral contract, XXXX XXXX XXXX XXXX XXXX any right to collect on this alleged debt. Its is my belief that XXXX XXXX XXXX XXXX are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. XXXX XXXX XXXX XXXX XXXX, Stated This account was originally opened with XXXX Fed XXXX for a Visa Credit Card, Please see attached statements showing purchases on account I have never received any documentation requesting validation from XXXX XXXX XXXX XXXX, before they committed multiple violations Under the FCRA and FDCPA by furnishing this alleged debt to my consumer report. If XXXX XXXX XXXX XXXX can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I contact Experian to let them know my score hadn't changed in 3 weeks and I paid all my accounts on time they stated to me it's a process I paid my XXXX XXXX on XX/XX/2022, and they also stated in will hit my credit report on the fifteen and it did but my score never change it's still XXXX. I reach out to them and they still told me the company never contact them to update it. But the date changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMAPANY HAS PLACE XXXX ON ALL XXXX OF THE MAJOR CREDIT BUREAUS. THEY ARE NOT COMMUICATING WITH ME AND I HAVE SENT IN ALL DOCUMENTS TO HAVE THIS REMOVED FROM MY CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I opened a dispute with XXXX and the other credit reporting bureaus for an account that was settled and paid with payment agreement. The balance owed was XXXX dollars more than my credit line. The account was apparently charged off. I sent settlement papers with the settlement amount and my payments. The collection agency for the company ( XXXX XXXX ) dishonored their agreement and tried to collect the whole amount of the alleged debt. Disregarded our original agreement of settlement. All XXXX updated was lower the balance charged off which is still in accurate because the balance charged off was {$3600.00} and not {$2600.00} XXXX is most likely going to follow the same suit. XXXX has no interest in reporting fairly as clearly seen in its report. It has no acknowledge the account is settled with the 3rd party collector XXXX and reporting wrong amounts.
Product: Student loan

I attended XXXX College in 2008. XXXX College applied for loans on my behalf and at that time I did not understand the terms and conditions. XXXX College promised me a job in the field of XXXX XXXX, which I have never received. Upon completing the program I have been receiving bills in the mail from the loan company Navient for the past 10 years. XXXX College is known as a predatory lending scheme that I was a victim of and because of this deception XXXX College has taken a traumatic toll on my life. For the past 10 years, it is still affecting my credit and furthering my education.
Product: Vehicle loan or lease

The vehicle in question was repossessed in XXXX 2012. There was no notification that this was going to happen. I sent them my XXXX XXXX prior to my departure. I was told by XXXX XXXX that those orders did not matter. I have sent the orders to them on two other occasions. They have put this on my credit report for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The last letters I sent to the Credit Bureaus was XX/XX/XXXX, but no response was ever received from them. Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : 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 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 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: Checking or savings account

On XX/XX/XXXX 2 transfers from my account occurred to XXXX XXXX XXXX. One for {$9000.00} and one for {$8000.00}. I immediately filed a claim with wells fargo for fraud. Today, XXXX/XXXX/20, Wells fargo ruled against me! I do now know who stole my money. I do not know how they stole my money but I had nothing to do with this theft. PLEASE HELP ME. 
XXXX XXXX XXXX XXXX
Product: Student loan

I am a XXXX XXXX who cant become a XXXX  assistant I had XXXX  before college and I owe XXXX for a degree I cant use iv tried to resolve this with them by letting them know I cant use the degree and its not from a regionally accredited school but no one has helped I cant buy anything with this debt on my credit please help XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following multiple entries of student loan IS NOT MINE..I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX,