23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Approximately on XX/XX/XXXX I got an email my account was temporarily restricted. I called security as instructed and asked why they had no answer nor how long. I got a response it would be closed for me violating something, which I'm not sure what because I didn't do anything wrong. I dont care about closing the account. But I can't access my money, almost XXXX they are holding my money hostage for unknown time and won't give me a timeliness. I need to pay my deposit. I just moved to a new job in a new state and just want my money. If they want to close the account just do it and give me my money so I am not homeless and hungry. This is not treating the customer fairly or timely.
Product: Credit reporting or other personal consumer reports

I filed XXXX XXXX XXXX and included this creditor on my XXXX and Equifax removed it. I have the paperwork and documents from my XXXX XXXX XXXX to show it. I have worked hard in my credit and by their error it dropped my credit XXXXXXXX XXXX  Im very upset and want to file a lawsuit if they dont fix it.
Product: Debt collection

I am submitting this complaint because Portfolio Recovery Associates furnished a deceptive form to create a false belief that a creditor was attempting to collect a debt but in all reality this was not true. Portfolio Recovery sent me a stack of statements claiming that I owed them a debt but when I reached out to the Creditor they said the debt was charged off and they were no longer trying to collect. Portfolio Recovery shared statements and a consumer Contract as evidence of debt but as per judgement in the case of XXXX XXXX XXXX XXXXXXXX a copy of a consumer contract is not sufficient evidence of debt. Portfolio Recovery is also treating me unfairly because they never disclosed the correct mailing address to get in contact with them. They have different addresses listed and they do not clearly disclose how to dispute or verify items with them. I am also sending in a complaint to put the CFPB on notice that Portfolio recovery is trying to collect a debt in the state of Tennessee which they are not licensed to do business in. XXXX XXXX XXXX confirmed that Portfolio Recovery is not licensed in the state of Tennessee which is a violation of 15 USC 1692-Abusive Practices
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a secured credit card with XXXX XXXX  and paid an {$800.00} deposit, which became my opening balance. I used the card for minimal purchases and made timely payments. I used my card at a gas station, where I believe my credit card information was compromised after seeing a series of charges for purchase I did not make. I disputed the fraudulent charges when I learned of them. In the meantime, XXXX XXXX  did not take any steps to ensure my information was not being disseminated and used. XXXX XXXX  also made the unilateral decision to close the card because I was the victim of identity theft and fraudulent charges were occurring. This card was opened to help me XXXX XXXX and in the end it made it worse. They closed the card which resulted in a declined XXXX XXXX because the account was only months old. And they reported late payments when payments were never late. When I learned of the negative reporting history I contacted discover card. I was told that they no longer keep records after 2 years and they could not provide me with a copy of the records nor could they pull up any records related to this account in their internal system. However, I did have copies of all of my statements and attached them to each my dispute with Experian. Experian opened my dispute and submitted it to XXXX XXXX. The results were unchanged and XXXX XXXX  reported that the negative history was accurate on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX. Most recently a dispute was opened on XX/XX/XXXX at around XXXX, by the next morning the dispute was completed and against XXXX XXXX  XXXX reported to have responded to my dispute, verifying the negative history as accurate despite not having any records to provide or reference. When I called XXXX bank on XX/XX/XXXX to ask about this and speak to someone who could provide information as to their process for responded to credit report disputes. I was told there is no one that I can speak to. XXXX XXXX  should be ashamed that they continue to be adamant on ruining someones credit history without any proof. This is a violation of my rights under the fair credit reporting act. They are causing harm to me. If the CFPB is unable to assist in resolution, I will be commencing litigation against this deceitful bank.
Product: Student loan

I have had issues with Navient over the years and issues with my loans. One of the biggest issues I have had is repeatedly getting misinformation from the loan servicer. In one of the most recent conversations I have had with Navient, I kept asking which bank or loan provider gave me my loan. Navient will tell me that they do n't know and to call the Department of Education. When I call the Department of Education, they keep saying Navient. When I would call Navient back, they would say, " No we are the service provider '' which I have known. After this I would say, " O.K., Since you are the service provider, who are my loans through '' and they never seem to know half the time. At the time of the origination of the loan, the information has not always been on Navient 's site or the NSLDS right away. The school does not tell me either. I feel that this is being done intentionally to keep me in the dark so they can re-sell the loan and add fees. I believe that this is a type of " churning '' of my loans. In other industries, this is illegal. I also feel that there is " detrimental reliance. '' I am given so much misinformation about my loans, it is affecting my interest rates, credit reporting, etc. I am being charged thousands of dollars over what I should be due to bad and misinformation by my service provider Navient. If you pulled up my taped conversations with Navient, you would find this out ( they tape their phone calls ) Another complaint that I have is that I feel that Navient is purposely giving misinformation to collect more fees. One girl kept telling me that on my private loan, I could pay XXXX to " get out of paying '' the loan for three months ( I was having major medical issues at the time. ) What I was not told at the time was that they turn this into Capitalizing Interest which costs about XXXX over the course of the loan or maybe even more. 
The financial aspect of Navient is very interesting. I feel that they are not disclosing the complete terms and conditions. There have been different occasions where I have told the phone agent not to do something and they will do it anyway and I have to call back and insist on speaking with a supervisor. This goes on and on. I have had so many problems with my student loans is it not even funny. 
I feel that I will be robbed of my future due to all of the issues with my student loans. I feel that there should have been more information about the loans and complete information so I could be better informed and make better decisions. There is so much pressure from the colleges to take the loans out and " complete '' you degree. I am very frustrated by this and feel that my education is costing me my future and my livelihood.
Product: Vehicle loan or lease

XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Certified letters were sent on those specific dates to XXXX, XXXX, and XXXX to validate an account with Exeter Finance from XX/XX/XXXX. No documentation has ever been provided to me to validate anything after repeated attempts. The only information I have ever received was un updated credit report from the three bureaus listing the referenced account as " verified. '' I want this account removed from my credit report as it is already passed the statute of limitations and there has never been an official validity provided to me as the consumer which I have a legal right to.
Product: Debt collection

My husband and I had a loan with XXXX XXXX which charged off around XXXX of XXXX. I contacted XXXX XXXX in XXXX of XXXX to make arrangements to resume payment. I was advised that the debt had not yet been sold and that I could resume making payments. I resumed the loan with a payment in the amount of {$1700.00} on XX/XX/XXXX. I began a subsequent monthly payment schedule for the next 6 months at the amount of my original payment which was {$280.00}. I made these payments starting on XX/XX/XXXX until XX/XX/XXXX. When I set up the payment plan, I asked if I could schedule additional payments. I was informed that they could only schedule 6 payments at a time. I called back at the end of XXXX or early XXXX and scheduled a payment in the amount of {$560.00} which was paid on XX/XX/XXXX. I called back on XX/XX/XXXX and schedule a payment for the remaining balance which was in the amount of {$2300.00}. The payment was processed on my account on XX/XX/XXXX. At this time, the loan was paid in full. At the end of XX/XX/XXXX, I began receiving calls from a collection agency called Asset Recovery Solutions , LLC. I advised them that the debt they were calling in reference to had been paid. The representative informed me that it had not been paid and maybe I had another loan. At the time, I reached out to XXXX XXXX to try to figure out what was going on. The representative told me that I needed to speak with the collection agency regarding my issue. I advised the representative that the problem was that I had paid this loan off with XXXX XXXX and that it was sold to a collection agency months after the payment was made. The representative acknowledged that she saw the payment, but insisted that there was nothing she could do. When I asked how I could go about disputing the information, she told me that they did not have a dispute process. I requested to speak with a manager and she stated that there was no manager available because she was working from home. She advise me that she would have a manager call me. I never received that call. After I spoke with XXXX XXXX, I contacted the collection agency to see how I could dispute the item with them. The representative informed me that they do not have a dispute process. He advised me that the best they could do is not contact me, but that would not mean I did not owe them the debt. I subsequently received a notice from them with my loan agreement attached. I have also tried disputing this account 2 times with the credit bureaus and still XXXX XXXX is refusing to correct the mistake. While I admit that the initial failure was mine, I did everything in my power to remedy the issue and make XXXX XXXX whole. I am just asking for the same courtesy. I have been trying to get this matter resolved for 4 months with no success and an apparent unwillingness from XXXX XXXX to correct their error.
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 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 Regulations E. These actions have caused significant inconvenience and financial law, and I seek appropriate redress for these violations.
Product: Debt collection

I received a bill on XX/XX/2018 for {$120.00}. The bill was placed for collection from XXXX XXXX XXXX XXXX. 

I currently have an open grievance with my insurance provider, XXXX XXXX XXXX XXXX, regarding the quality of care that I received on this visit. I am in the process of filing a complaint with the state board of healing in Kansas as well. 

I discussed the problem with an administrator months ago. Her name was XXXX XXXX, and her e-mail is XXXX. I have saved the e-mail correspondence and can provide it for your records. 

I am disputing this charge. Do not contact me at my residence or my cellular phone to attempt to collect this debt. I am also filing a complaint with the Kansas attorney general and the CFPB. I will happily supply the e-mail correspondence for your records that details what they did wrong.
Product: Credit reporting or other personal consumer reports

There was an FTC report filed in XXXXXXXX XXXX XXXX and last month I sent an updated letter to Experian informing them that the unauthorized inquiries that were included in the FTC report over 9 months ago are still reporting on my credit report. The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove the following inquiries 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
Product: Debt collection

XXXX XXXX XXXX, XXXX is stating that I owe a debt to XXXX XXXX XXXX in the amount of XXXX. I was originally threatened by XXXX XXXX to pay for a debt I later realized was not actually mine. XXXX XXXX removed this item from my credit and stopped collections on this account.
Product: Credit reporting or other personal consumer reports

On XXXX I submitted a complaint because Comenity Bank is refusing to remove the {$0.00} charge off that is still continuing to be reported on my reports even though the charge off was paid. This is my second complaint. Comenity Bank stated incorrectly in the response that was provided on XXXX that the charge account is being reported correctly with a {$0.00} balance since it had been sold to another party ( third party debt collector ). I have already received communication from XXXX XXXX XXXX ( the letter that was received was attached to the initial complaint, but apparently was not read by Comenity Bank prior to a response being provided to me ), stating that the balance that was placed on my reports by XXXX XXXX XXXX ( which had a balance tied to it and was not the {$0.00} charge off that XXXX still has on my reports ) would be removed after full payment. XXXX XXXX XXXX has already done its part and removed their account from my reports. Comenity Bank HAS NOT. The {$0.00} charge off/collection account from Comenity Bank/Carsons is continuing to cause unjust hardship as the information is still appearing on all of my credit reports and is affecting me in a negative manner as it relates to my credit. The {$0.00} charge off that is on my reports from Comenity Bank should not still be on any of my reports because it is not accurate since the charge off has already been paid. The information proving that is being attached again for reference along with reports showing the {$0.00} charge off/collection that is appearing on my credit reports from Comenity Bank/Carsons XXXX
Product: Debt collection

SKIP TRACED ALL FAMILY MEMBERS CELL, WORK, HOME NUMBERS CALLED AND WILL GO TO JAIL IF YOU DONT PAY! IN VIOLATION OF FTC, FDCPA, TCPA, FCRA ....
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I registered with a third party company which checks eligibility to apply and get approved for credit cards. Unfortunately they applied for several credit cards from discover on the XX/XX/2018 without my consent and because the request was denied I'm left with multiple hard inquiries on my credit report which is affecting my credit score
Product: Vehicle loan or lease

This loan we originally held by another lender ( pelican auto finance ) that sold it. When it was sold they sold it for the original loan and the we place Westlake financial begin to try to collect on the full amount of the loan asfter i had had the car for several years. I contacted them when i was out of work on medical leave about deferring they payments but they did not want to help. Then i surrender the car and they would not pick it up or give me a place to take it. They refused to collect the car and told me they would just keep it on my credit. The care is not worth whats on my credit and as far as the value i have paid it but they are still negatively reporting that i owe $ XXXX on a XXXX XXXX XXXX that i am no longer in have.
Product: Credit reporting or other personal consumer reports

Carrington mortgage is predatory lender. I have been over charge, incorrect report AGAISNT, forced to refinanced and threatened with foreclosure on my home by Carrington mortgage. The are not following there own practices or va rules. This has been ongoing since the onset of covid
Product: Mortgage

XX/XX/XXXX I suffered an injury causing me to go on XXXX I notified Fifth Third Bank immediately of my issues. I let them know that I would be able to return to work by XXXX but I would need some help in regarding my payments. I was not in escrow my taxes were up to date along with my home insurance. In XXXX of XXXX Fifth Third Bank reached out to my insurance company and paid the rest of my yearly payments. When I talked to the bank they wouldn't give me an answer why they had done that. In XXXX of this year XXXX they went and paid the first half of my taxes which were not due until XXXX thereby telling me I was in escrow even though I had the money to pay. I spoke with XXXX XXXX and opened up a grievance about it. I have not yet heard what the outcome is. I spoke with my homeowners insurance to get the verification that Fifth Third indeed was the one who called them and not the other way around which is what Fifth Third is saying.
Product: Debt collection

Global Credit and Collection Corporation ( XXXX XXXX, Global Credit and Collection Corp., XXXX XXXX, NJ - XXXX ) has apparently been calling at least one of my former co-workers for several weeks, sharing all of my information, about an alleged debt. I am not even sure what debt this is about. I have been working to pay off credit card debt, but this company contacted me for the first time yesterday, yet has been harassing at least one person I know.
Product: Checking or savings account

Vystar has had my account down since last week we can't even see what is in our account even if our accounts get low we have had our privacy token from us and the stress and worry right before XXXX XX/XX/year> contacted them acted like it wasnt their problem to deal with
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company from my information XXXX. Please delete the following accounts. creditor : Account Name : XXXX XXXX XXXX Account Number : XXXX Reported Balance : : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Reported Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Reported Balance : {$6600.00} Account Name : XXXX XXXX  Account Number : XXXX Reported Balance : {$0.00} Name ( XXXX ) : XXXX XXXX Name ( XXXX ) XXXX XXXX XXXX Name ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After viewing my credit report I have found an account that I have never applied for credit.
Product: Credit reporting or other personal consumer reports

There is incorrect information in my credit report regarding a bankruptcy filing. I submitted a complaint in XX/XX/2022, yet the information remains. Additionally, I have disputed an address that appeared on my credit report that is not mine. I live at XXXX XXXX XXXX XXXX XXXXXXXX VA. The incorrect address that's being reported of XXXX XXXX XXXX in XXXX, MD is not my address and any account linked to that address should be removed. I have been patient in waiting for the credit bureau to take the appropriate actions, I have requested that they provide proof of how they obtained this information, however, they have failed to honor my requests and instead are refusing to provide the information I have requested. This has been an ongoing, back, and forth regarding this entry and the associated address. If I was financially capable, I would hire an attorney to sue the credit bureau, but unfortunately I am not in a position to do that so once again, I am relying on XXXX to enforce the laws concerning credit reporting requirements and move to take action against the credit bureau for reporting false/inaccurate information of which has caused me significant harm resulting from credit denials and higher than normal interest rates.
Product: Checking or savings account

On XX/XX/XXXX, I called Bank of America to open a checking account over the phone. The process was smooth, and the account was successfully opened. However, on the following day, XX/XX/XXXX, I attempted to log into my online account and found that I was unable to do so. Concerned, I called Bank of America for assistance. 

After being transferred multiple times, I was eventually connected to the department responsible for handling the account closure. I was informed that my account had been flagged for closure. When I inquired as to why this had occurred, I was told that it was a " business decision '' made by the bank. I requested further clarification, asking what the decision was based on. Unfortunately, I was told that no additional information could be provided, even though I was speaking with the department responsible for the closure. 

The representative explained that the decision was made by the " back office team, '' but I was not allowed to speak with them directly. After about 45 minutes of going back and forth, the same response was repeated : the closure was a business decision, and no further details were available. 

I am seeking clarity on why my account was closed and would appreciate any additional information or a way to escalate this matter.
Product: Credit reporting or other personal consumer reports

Transunion and XXXX. have been reporting charge accounts and collections negatively which are not mine. identity theft report has been submitted to all 3-credit bureau as well as several letters have been sent asking for them to proof that the accounts are mine, and however they have still not provided any type of proof. XXXX was the only credit bureau who erased all the negative accounts disputed as result of identity theft. on the other side TransUnion and XXXX just deny the dispute without providing any evidence. my credit went from being XXXX to now in the low XXXX this has really caused myself and my family a really hard time financially. I ask that you please help me with this matter and hopefully this nightmare comes to an end.