23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and I am submitting this complaint myself with no third party involved. I have attached a letter providing detailed information about the unauthorized inquiries reported on my credit report. 

The accounts listed in the attached document represent all unauthorized inquiries. I have never conducted any transactions with the entities associated with these inquiries, and none of them have been verified. 

I kindly request that you block/delete the unauthorized inquiries reported in my credit report.
Product: Credit reporting or other personal consumer reports

XXXX received a collections notice to my account and dropped my score significantly. Problem is that the new law states medical debt shall not be on the credit report and drop my dcore
Product: Credit reporting or other personal consumer reports

I've requested Equifax to remove all blocks and fraud alerts from my credit reports via letters and fax, but haven't received a response. It's urgent that these blocks be removed promptly as I do not wish to have my credit reports blocked.
Product: Debt collection

I pulled my credit report and there was an account from syncb/old navy which I never had I have made several attempts to get this resolved because i was a victim of identity theft but nothing has been done.
Product: Debt collection

I requested an application for assistance with my medical bills. The hospital sent me a financial aid application. The account was sent to collections AFTER I requested assistance. Also, from what I can tell, the account was sent to collections a few days after I received the financial aid application in the mail. 

I have been contacted by the agency as well. The agent COULD NOT tell me who it was sent from or any other information. The only thing she told me was who she represented and an amount owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I mailed a certified dispute letter to XXXX and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/2021 I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 1200 complaints on CFPB they also have over XXXX complaints with the XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX {$860.00} XX/XX/XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXXXXXX {$510.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX, XXXX XXXX 15 U.S.C, 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

we have received two license from XXXX that states that CITI MUST SEND OUR MONEY BACK! We kindly asked citi many times to send our money as per our instruction but they didnt respond!
Product: Debt collection

Dear CFPB Thank you for hearing me again over the last 8 yrs. we have been dealing with several accounts that was done by Fraud/ Identity theft. When I was living out of the country for those 8 years. You guys helped me get these accounts removed over 6 times in a 5 yr period. 
The creditors found out they was fraud and removed them as you guys recall I had to get the police and Attorney General involved. Now the same company has Sold the account to the Collection agency thats listed. 
My Life has been destroyed if you guys recall I been fighting this for years and even had a massive XXXX XXXX over it, and I have been rejected from Jobs, school even a place to live. Im XXXX  because in my city you cant have collections you cant rent. Even someone had got two evictions on my name when I was out of the country. 
I went to save lives and my life was being destroyed, the collection agency has been Ruthless and pure evil to me, not wanting to listen or even understand. I also the collections agency put it meets FCC regulations and I Agree it should be on my report. I DO NOT AGREE, and the company Lied and stated I agree. 
I swear on my soul my Identity had been stolen back then and even I had Several Security breaches from the XXXX  because I support victims of crime. I cant get Hired with these collections. 
Im not a liar and I promise you I did not open the account and I had proven that several times, the issue is how much more suffering will I go through. Because I was found incent and when they SALE these accounts it start all over.

With my line of work with victims of crime I cant have collections, or I would get fired, and I did not do these things and should not have to pay for these things. The collections are not large but still I did not do this. And to suffer from 2013 to current is insane.

IM XXXX OVER THIS AND CANT GO BACK TO WORK UNTIL ITS CLEAR. They dont want to see anything thats negative. why do I have to lose my whole life and now during a pandemic every time this pops up on my reports, I get Fired and lose my Apartment. Because they check our credit monthly. 
I need you guys Help again to get this deleted please completely and for them to stop asking me to send more documents, because they dont have full documents and they are using what I sent in against me to build a case to stick me with a bill I dont owe. 
DID YOU GUYS KNOW THATS WHAT THE COLLECTION AGENCY BEEN DOING TO ME? Im dying out here help me get this deleted again. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX {$900.00} XXXX XXXX XXXX {$820.00} XXXX  XXXX XXXX {$170.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$850.00} XXXX XXXX {$4200.00} XXXX XXXX XXXX  XXXX {$4000.00}
Product: Student loan

I do not understand why XXXX of XXXX does not qualify for the Public Service Loan Forgiveness Program ( PSLF ). I made a payment on my due date for XXXX. I recognize that a federal court issued an administrative stay on XX/XX/XXXX, that prevented the Department of Education from operating the XXXX XXXX XXXX. However, my due date was the first of each month at the relevant time. I made a payment on XX/XX/XXXX, which was BEFORE the XX/XX/XXXX, stay. By email dated XX/XX/XXXX, which is attached to this complaint, MOHELA informed me that I was being placed into a forbearance and that the time spent in this forbearance would count for the PSLF program. I do not see how this was not a mandatory administrative forbearance needed to gather information, which should qualify for XXXX. This forbearance was initiated by MOHELA, not me. In any event, MOHELA told the CFPB on XX/XX/XXXX, in response to my other complaint that it will remove the forbearance in place from XX/XX/XXXX, to XX/XX/XXXX. This forbearance was in place prior to the XX/XX/XXXX, stay. XXXX of XXXX should qualify for PSLF purposes no matter how the issue is considered. When will XXXX of XXXX qualify? Please see attached.
Product: Credit card

I am filing this complaint against PayPal Credit ( Synchrony Bank ) due to an unjustified account closure and failure to provide written notice of closure, despite claims that such notice was sent. 

On XX/XX/2024, my PayPal Credit account was closed, allegedly due to " dishonored payments. '' Synchrony Bank claims they mailed me a letter notifying me of this closure. However, I never received any written notice at my mailing address, nor did I receive any phone calls attempting to resolve the payment issue prior to closure. 

Additionally, the PayPal Credit terms and conditions do not explicitly state that an account can be permanently closed due to a single dishonored payment. If Synchrony Bank is using this clause to justify the closure, it should have been clearly disclosed in the agreement upfront. 

Furthermore, Synchrony Bank 's response to my initial CFPB complaint contradicts itself : They claim that they notified me via a letter dated XX/XX/2024. However, I never received any such letter. 
They admit that no prior notification is required before closing an account, yet they still claim to have sent one. If no notice was required, why claim they sent one?

They also failed to attempt to contact me via phone or email to resolve the dishonored payments before taking drastic action to close the account.
Product: Checking or savings account

US BANK advertised a Smartly Checking account, you sign up and get a bonus of {$450.00} after 90 days if you set up Direct Deposit so I did I set up two direct deposits with over {$15000.00} direct deposits within 90 days and of course I never got the {$450.00} sign up bonus. I called them and the agent had no idea why I didnt get my bonus and they created a case and of course I get no response. The account was created back in XX/XX/year>. I want the publicly advertised {$450.00} sign up bonus please.
Product: Debt collection

I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. Please remove the account from my report. They are hurting my ability to obtain credit.
Product: Money transfer, virtual currency, or money service

Robinhood froze my accounts stating that they need my physical address. I provided my physical address with my identity documents but they are basically demanding that I change my bank statements and identity documents to reflect the physical address. I live off grid in an RV, USPS does not deliver mail on XXXX XXXX XXXX because their vehicles can not safely access the regions. I use a XXXX XXXX XXXXor virtually all of my bills, financial accounts, and government ID for this reason. They are discriminating against me for living in a rural area and trying to demand that I change my ID and documents to a non deliverable address.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with Fair Credit Reporting act XXXX  Account # 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
Product: Payday loan, title loan, or personal loan

I have applied for a {$400.00} loan ... in contract I was supposed to payoff my loan payment with a 6 payment withdrawal from my bank account. I made well over 10-12 payments of {$100.00} thats over a {$1000.00} for a {$400.00} loan! 
I have tried calling the company no answer for a couple of days and finally I got in. And all they said was that they will keep withdrawing from my acct until they are satisfied ... I am like what the heck. And they just hung up on me.!! 
I sent emails no replies back. The only thing I get is that my acct is going to be debited for payment of {$100.00}. I emailed them with that email sent to me. No reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax needs to be put out of business. 

As critical as credit scores and credit history have become, I find it appalling that of all the things we can opt into or out of, we can not control to whom financial agencies report our credit history. 

Equifax has proven it can not safeguard our data and I for one do not want them to have my data any longer or to make any money from having my data.
I would like to see the CFPB propose legislation that mandates every company that reports financial information to any of the 3 credit bureaus give their customers the option to choose which bureau ( s ), if any, they are allowed to report our credit history to -- and that is before reporting anything to any credit bureau. 

With this power, all of us can opt out of allowing companies to send data to Equifax. With no new data coming in, Equifax will become history, as it justifiably needs to. 

Thank you.
Product: Vehicle loan or lease

Over the past 6 months I 've had multiple conversations with people at Ally Financial about my lease ( ending in XXXX ) and buying the car at the conclusion. I 've had to file complaints with the BBB, CFPB and at XXXX just to get someone to send me a copy of the original lease agreement ( the dealer said they did n't have it or could not honor the request ). Now, for the 3rd time in a month, I get conflicting information about buying out the lease.
Keep in mind that someone at Ally once told me the buy out amount was over $ 19k/year. Once I got the copy of the lease, the buy out is actually $ XXXX. But I was told on multiple occasions that I would be sent a buyout package. I 've already secured a loan to buy the car. However it appears that Ally is doing everything they can to not allow me to do so.
It 's either negligence or incompetence. Either case is not good for the consumer.
If this is n't resolved I 'm going to sue Ally.
Product: Bank account or service

I opened an account with PNC Bank. My ATM card was stolen and used fraudulently. I was unable to get a police report because it happened in a different city than were I live and my local police dept would not assist. The police dept where the offense occurred also could not assist because the crime had already occurred and I was out of the city. It was a mess and I could n't figure out how to resolve it. While still in conversation with the branch manager - PNC abruptly closed my account. Now it 's a negative " SUSPECTED FRAUD ACTIVITY '' on my XXXX report. The total due is {$1900.00}, which is ridiculous and incorrect. But my hands are tied because they closed the account so there 's nothing to dispute. They already sent it to collections.
Product: Payday loan, title loan, personal loan, or advance loan

One Main fiancial has me paying per mony ( {$110.00} ) for a loan on credit consolidation with the IRS. The process is not complete and they are saying that we can only now do installemtnst but the service cost me over {$2000.00} to do with them and at the time I could only do this in order to play fo rthe service for them to complete. now when I log in i am told I have to go to another service within One Main Financial and its just confussing and a big mess.
Product: Debt collection

Noticed that there is a collection account to which I have not received any notice to. I do not know when it was listed on my credit, but they did not send proper notification.
Product: Mortgage

Shellpoint Mortgage continuously requests documents for a loan modification after they have been sent multiple times. This tactic has caused an unnecessary delay and ultimately led to my mortgage modification to be canceled due to, " you did not provide us with the documents requested ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff or ( XXXX ) days late on the XXXX/XXXX   partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) I have been faithfully paying on this account every month for years to XXXX. I was not aware that this account was reporting derogatory information until I recently obtained a copy of my credit report. I was never notified by XXXX that this account had been sold to another lender. It is clear that the new company who purchased this student loan debt was not applying the payments I was making monthly to XXXX. I have attached a copy of my statements showing my timely monthly payments. Consequently, because my monthly payments were not being applied correctly, this has caused the derogatory reporting on my credit report. I have contacted XXXX along with the bureaus to remove the collection/chargeoff and lates however, I have not been successful. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report.
Product: Mortgage

been on a FEMA disaster forbearance since XX/XX/XXXX. My eligibility is based on my place of business/employment was negatively financially impacted in the county of XXXX CA XXXX Zip code XXXX. My primary residence is XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. The property Im mortgaged with UWM is located in XXXX XXXX County one county over. My investor is XXXX XXXX, it's one of their qualifying criteria to be on a forbearance plan for up to 12 month. 6 months into my plan I called in on XX/XX/XXXX to ask for an extension. I was not able to receive receive an extension. Please look into this.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act Capital One Account # 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
Product: Mortgage

I am writing this to inform CFPB of what I see as predatory and alarming that a government program setup to assist homebuyers to avoid mortgage crisis are denied access into programs that could help the both Homebuyer and Mortgage Service. I find the reasoning for denial of application with Nationstar Mortgage troubling and this is the reason that I am asking for help. My qualifications meet the eligibility requirements and are to close for the door of opportunity to close, which I should have been approved. I have had great credit since I was XXXX years old and this situation, which is due to hardship and not poor financial planning on my part, should not be held against me. I was just Employee whom showed up to work one day and was informed that they would no longer need my services. I am in disbelief that something like this could ruin my credit and am asking for your consideration in reviewing this matter. I have documented the events that happened throughout the application process and am willing and able to share them with you in support of my case.
Product: Money transfer, virtual currency, or money service

I received a balance transferred to me using Cashapp. The balance can be cashed out immediately for an additional fee, transferred to your bank in 48 business hours or to a gift card. I chose to deposit to my bank, XXXX. I made the attempt on XX/XX/19, XX/XX/19, and toady XX/XX/19 using the free option. After being prompted to login to the XXXX account there is a notice of an error. I contacted the, via email on XX/XX/19 and have not received any response other than this bank has problems something like that. No resolution after making initial contact w/ them. 

I am not interested in paying to transfer or gift card. 

Please help.
Product: Student loan

On XX/XX/2022 I called my Federal Student Loan Provider, EdFinancial, about getting a refund on payments I have made during COVID based on the CARE act. I submitted a request for a refund of {$3900.00} which would put the amount I owe to $ XXXX, that $ XXXX would be forgiven by the Student Loan Forgiveness President XXXX has announced based on the fact I have Pell Grants.

I asked the EdFinancial rep for a timeline of when the refund would take place, they told me they do not know because they do not handle the refunds, the Department of Education does. I said okay and the call ended shortly after.

I have since then read online that EdFinancial is being incredibly shady about CARE act refunds, other providers are able to give out timelines and provide refunds withing anywhere between 2-3 weeks, but EdFinancial will not give any information what so ever. I have only read stories about EdFinancial refunds being successful after filing complaints with consumerfinance.gov, which is absolutely unacceptable. 

I called back a week later ( XX/XX/2022 ) asked the rep to make sure that the request was put in and for the correct amount, luckily it was. Once again I asked for a timeline and they gave the same poor information, but this time around the rep gave me the number for the Department of Education. 

I called the DoE and that rep told me that my Provider ( EdFinancial ) is responsible for refunds and providing a timeline of when it should be taking place. I then proceeded to call EdFinancial back and explained what the DoE just told me and they all of a sudden change their tune and said that they do issue refunds and since there are so many requests they can not tell their customers ( me ) when it will happen.

This is ridiculous. Other providers process them within weeks, but EdFinancial will not even give a timeline. 

I fear that they will not process it until after the XXXX Forgiveness so I will be left owing them the {$3900.00} they are supposed to refund to me.
Product: Credit card or prepaid card

My credit card balance was {$12000.00} I initiated an {$8000.00} payment on the card, cancelled it and then changed it to a {$3000.00} payment. 
My available balance for purchases then became - {$970.00} not the {$3000.00} I just paid. 
Contacted a CS rep who said I never made the {$3000.00} payment- the bank returned it. I showed them proof and they said the system had not updated Contacted a 2nd CS rep and they said in fact the {$3000.00} was in fact paid but " The {$9400.00} is a non promo balance on your account adjective balance on the account '' Nonsensical response. 
Sent an email to the company and the response did not even address the question. The response was " Please note our records indicate a payment pending for {$8000.00} and a payment reversal for the same amount. The negative amount shown is for the payment reversal. '' How does $ XXXX $ XXXX a negative available balance?? 
My available balance was not negative before I made the {$3000.00} payment so how could it be negative AFTER I make a payment. 
This is not the first time Synchrony Bank has been deceptive in dealings with my account. 
Any help you can avail me would be greatly appreciated. 

Thank you