23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

did not informe me my card would expire for non use
Product: Student loan

Navient have had  XXXX  collection agency call me on a fraudulent student privet loan from  XXXX  college in  XXXX   XXXX  that I did not Authorize in   XX/XX/XXXX . These loan w as signed by  XXXX  college consolers while I was hospitalized.  XXXX  college was later closed down by the federal and state government for the practices. I have tried to get this matter taken care of and was also contacted by California Attorney general office in because of this matter about  six years ago . Navient have not only committed fraud with  XXXX  college and the lender, But have repeatedly tried to have me pay for a loan that I never approved.   My name is  XXXX   XXXX   XXXX   XXXX  Date of Birt h  XX/XX/XXXX . T hey just had a company name  XXXX  call me repeatly there address  XXXX   XXXX   XXXX   XXXX , ny  XXXX  (  XXXX   )   XXXX . If your company contact California you will see that charges and a class action was file against  XXXX   College  for these fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, This issue is in regards to my credit report. I have several accounts listed below that don't belong to me. I have written letters to all three credit bureau and haven't received an response. This may be due to there being incorrect addresses reported on my credit report, such as XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX My correct address is XXXX XXXX  XXXX XXXX, XXXX XXXX. 
Below are the accounts : XXXX XXXX- {$200.00}. Ashro- {$210.00}. XXXX XXXX- {$280.00}. XXXX XXXX- {$1800.00}. XXXX XXXX- {$1900.00}. XXXXXXXX XXXX- {$4200.00}
Product: Debt collection

Collection account from PORTFOLIO RECOVERY A with account # XXXX and a balance of {$1300.00}. The original creditor is XXXX XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, received payment by invoice from a tenant that I have residing in my home. I chose PAYPAL as a way of tracking my income and providing my tenants with proof of rental payments. 
I have had my PAYPAL account for quite some time and have never had an issue sending or receiving money, ever! Now, that I chose to use the services that they offer businesses such as invoicing, my account is shut down permanently and {$620.00} is being held hostage for 180 days. Even after speaking to several " Supervisors '' one of which explained that she had taken down enough information explaining the transaction and its purpose, and would " escalate '' my issue to the " backend '' department for review and that my funds will be made available for withdrawal by the next day, which would be XX/XX/2023. 
On XX/XX/2023, I checked the status of my account to find that my account had been closed, and my money would be held hostage for 180 days. There is no recourse of action, there is no " specific '' reason given to explain why my account has been restricted and my money is being kept hostage.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax are reporting 2 inaccurate accounts and they refuse to remove them. This accounts do not belong on my consumer report. XXXX XXXX XXXX XXXX XXXX XXXX. I demand they actually documents used to state these account belong to me. You have 7 days from the filing of this complaint to turn it over or I am filing a lawsuit because you are causing me problems. XXXX I have already filed a lawsuit against you.
Product: Mortgage

Last week I received a suspicious letter from Ocwen Loan Servicing indicating they have " been made aware that you have retained an attorney as counsel '' and that " As a result, all future correspondence that is meant for you will be directed to the attorney ''. 

See document below. 

The reason this letter is so suspicious is that it is completely at odds with the facts : a ) I have never asked any attorney to represent me for any dealings with Ocwen at any time ; b ) I have never missed or been late on a single mortgage payment to Ocwen Loan Servicing in the 4+ years they 've held my mortgage. I am gainfully employed in XXXX ( I 'm a XXXX ) with a XXXX-figure salary, and have no reason to believe I will ever have challenges paying my mortgage. My mortgage is in perfectly good standing, and has always been. 

c ) Prior to this letter today, I had never received nor sent any correspondence of a remotely legal nature from/to Ocwen. 

Given the well-documented history of Ocwen and legal actions taken by states against Ocwen for their improper home foreclosures ( legal actions which XXXX XXXX is working to enforce ), my first presumption was that Ocwen is trying to position themselves to do something improper on my mortgage -- like claim a failure on my part to respond to issues they will trump up and document in the future. 

Can you please advise me on what I can / should do to deal with Ocwen? 

Thank you for your consideration.
Product: Vehicle loan or lease

My vehicle was repossessed due to a default in the auto loan with Fulton Bank since XX/XX/XXXX. There has been numerous communications with the lender on options of getting caught up on the loan. The reason for default was due to an unexpected loss of employment since XX/XX/XXXX. Once I gained employment on XX/XX/XXXX, I stuck to my good faith communication of making a payment on my first pay check at XX/XX/XXXX, in which I did for the amount of {$750.00} which should have resolved the payment from XX/XX/XXXX in the amount of {$40.00} and the XX/XX/XXXX loan amount of {$640.00}. The vehicle was repossessed 6 days later. When I called the lender to inquire on the details of getting the vehicle back into my possession, the authorized representative had advised that the entire balance of the loan ( pay off amount ) needed to be paid, in addition to the repossession fees. I was told that I may be a liability of a future repossession and that was something the bank did not want to deal with. I was also told that I have been late on my loan since XXXX, in which I had disagreed because the loan payments has always been an ACH from my banking account. When I refused to accept their terms, they immediately set the vehicle up for an auction without giving another option or another look into my disputed claims. Furthermore, the towing company that was used to reposses the vehicle is in another state from which I live and I can not retrieve my personal belongings due to the distance and the office hours of the towing company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize XXXX  To XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX  XX/XX/XXXX please remove these hard inquiries on my report did not authorized this Thanks
Product: Credit card

This account is not my account and is listed on my personal credit report innacurately.
Product: Debt collection

DISPUTED ACCOUNTS UNDER THE LAW AND MY RIGHTS MUST FURNISH PROOF AS REQUIRED BY LAW THIS IS A VALID DEBT OR REMOVE IT.   I HAVE DISPUTED ACCOUNTS WITH THE NAME OF  XXXX   XXXX  SEVERAL TIMES WITH EQUIFAX AND DISPUTED ACCOUNTS UNDER THE LAW AND MY RIGHTS MUST FURNISH PROOF AS REQUIRED BY LAW THIS IS A VALID DEBT OR REMOVE IT.   I have not receiv ed one doc ument that shows this account belongs to me bearing my name, address, birth date, social security number, or anything with my signature on it. I have n't even been provided with a contract from  XXXX   XXXX   XXXX   XXXX  that proves I owed this money. Therefore, I have reason to believe an investigation was never completed. These are showing as loans on my credit report and are listed as derogatory!!   There are  XXXX  accounts listed on my credit report with the amounts of {$1300.00}, {$220.00}, and {$470.00}. The amounts also keep changing between the  XXXX  accounts. The  XXXX  account all have the same date reporting of  X/X/2014   . I called the collection company and they state that the actual hospital visit was at a later date in   X/2014 . H ow can someone have a collection filed before the suppose hospital visits. Then also they stated it was three visits in different months but still reporting as  X/X/14   .   These accounts are reporting as delinquent yet I have never received verification of these accounts. When speaking with the collection company they stated that I came in for leg pain and stomach pain which if I did indeed go would be a direct violation on my HIPPA Rights for a collection company to have information pertaining to a medical visit.   The collection is also list on another credit report under another company name and address with different open dates. This information can not be true nor verified because all of the information that is on the different reports. DISPUTED ACCOUNTS UNDER THE LAW AND MY RIGHTS MUST FURNISH PROOF AS REQUIRED BY LAW THIS IS A VALID DEBT OR REMOVE IT
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, I applied for a XXXX Line of credit for the amount of {$100000.00} ( application reference number XXXX ). On XX/XX/2022 I received an email saying my " Wells Fargo XXXX line of credit has been conditionally approved " and was awaiting my completion of a Certification Regarding XXXX XXXX XXXX XXXX XXXX XXXX form. I completed the form and received no correspondence from Wells Fargo until I called on XX/XX/2022 and find out that a Line of Credit was approved and opened in the amount of {$10000.00}. I was never presented a counter offer to what I applied for, nor was I presented a final term document to approve. I was given no information of the final terms of the line of credit, including interest rates and other terms. How can a bank open a line of credit, affecting my credit score, without my authorization of final terms and amounts?
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received my chexsystems credit report. In my report I found a checking and savings account being reported as a personal account that were not personal accounts. Both of the accounts being reported were opened as business accounts not personal accounts. The bank reporting the information is XXXX XXXX XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

A year and a half ago, I took a {$10000.00} personal loan and when I received the loan funds, they only deposited {$9300.00}!! The paperwork never mentioned a {$700.00} fee. After a year and a half of perfect payment history, I paid off the loan in full. They gave me a larger payoff than necessary and promised to refund the difference immediately. I have been trying to get the {$72.00} refund they owe me since XXXX when I paid the loan in full. 
The last two times i called them, they claim they sent the money to an old bank account of mine on XX/XX/2023. I contacted the bank and they have absolutely no record of any payment being attempted by Upgrade for that amount on or around that date!! 
I have repeatedly asked to have someone in management contact me and they skillfully keep those people from talking to me.!! 
I want the {$72.00} they owe me and now want the {$700.00} they fraudulently stole from me at the beginning of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am refiling this complaint to KIA FINANCE AMERICA for allowing the fraudulent account on my credit report. I filed an FTC report last XX/XX/2023, with the identity theft report number XXXX. As I checked my credit report these fraudulent account is still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have again attached the FTC report together with my drivers license and proof of address, should this be deleted in my credit report.
Product: Student loan

I have been trying to fix my student loan account before the XX/XX/XXXX deadline since XX/XX/2023 in order to get on the XXXX plan and alleviate interest accruing on my account and to be able to pay my loans. 

I have submitted multiple times to be switched over to the XXXX plan and each time there has been something wrong on the Nelnet side of things. Each time I provide the information, it takes them 15 days or more to respond on what I need to do next. After I provide that information it takes them another 15 days to process in order for them to get some kind of an error. 

Because of this fault from Nelnet by not completing my application and not putting my loans on XXXX, my loans have accrued over {$1000.00} in interest since XX/XX/2023. They also do not have a timeline anymore on when this will get fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate erroneous accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

My government student loans are reported separately as open and closed accounts on my credit reports from Equifax, XXXX and XXXX. The " closed '' accounts report negative information, whereas the loans are reported again in the " green '' and positive separately. I want the negative ones removed.
Product: Debt collection

My daughter and I lived at XXXX apartments for 3.5 years before moving. A move out walk through was verified for the afternoon of XX/XX/2016 but the manager left early, without notification, and the office was locked so we were unable to walk through together. I made my own list for the apartment and deposited the letter along with the keys in the drop box. My forwarding address and phone number were included. My last name has changed since then. 
The original creditor, XXXX XXXX, did not mail any type of notification to me although they had my forwarding address. A move out/closing statement was completed two months later, dated XX/XX/2016, which I received through the collection company, not the property manager.  CA law states landlords have 21 days to refund or send statement. I dispute most of their statement. 
XXXX, XXXX and XXXX XXXX violated the Fair Debt Collection Practices Act when they opened a negative account on each of my credit reporting accounts on XX/XX/2016, two days before mailing me a collection letter, dated XX/XX/2016 and 3 weeks after the walk through list was completed. I disputed their statement within the thirty days but did not receive additional correspondence. I assumed the matter was closed until I was notified by a kind person at my XXXX XXXX that I had a collection. I wrote another letter to KTS asking for removal from my credit reports and heard nothing in return.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Credit card

This complaint is against PNC bank ( XXXX ) and visa checkout ( XXXX ). Not sure who is responsible for the problem. A visa checkout offer of {$10.00} statement credit appeared on PNC bank website in early XXXX 2016. The offer was if you spent {$10.00} or more and use the visa checkout when checking out you will get statement credit of XXXX The original offer is no longer on PNC website but I got the information from internet. 
See attachment PNC Bank and Visa Checkout {$10.00} Credit Offer. 
XXXX XXXX I have called PNC bank and Visa checkout several times but going around in circles.. After calling PNC bank they told me that though the offer was on their website but the offer was from XXXX Checkout and they are responsible for the credit. Then I called visa checkout and they told me to wait for 90 days after the offer expired which was XXXX XXXX, 2016. When I called them in early XXXX nothing happened and they told me they will look into it. When I called again a few days later they told me to contact PNC bank again since it was on their website. It has been going in circles for almost 4 months and there is no statement credit so far. PNC Bank telling me to call Visa Checkout and Visa Checkout telling me to call PNC Bank. 
There are following additional attachments ( Documents ) in support of the complaint : 1. Visa Enrollment-XXXX ( PNC Bank credit card XXXX enrolled for Visa Checkout ) 2. XXXX ( Enrolled card used using XXXX XXXX XXXX for {$13.00} ) 3. PNC Bank Statement-XXXX ( showing amount of {$13.00} )
Product: Vehicle loan or lease

I was up to date with all my payments with XXXX XXXX XXXX up to XX/XX/XXXX when I had an accident and was unable to make payments I got a XXXX loan deferment where the amount that I owe for 3 months was put on the back of the loan. I then made payments on my loan and according to my records I should only be one month behind the current month XX/XX/XXXX when I called to make a payment I found out I have late fees of {$310.00} and my late fee is only {$40.00} a month. Can you please investigate why my late fees is so high something is not calculating correctly. Also my payment only apply to a partial month of XX/XX/XXXX when I made my last payment. I am also missing a month and a half of payments where did it go? XXXX should be paid in full and I should only owe XXXX. Also I have never received a statement from this company and when I went to the website I can't even find a loan number but I did find a retail number XXXX please look over my account and my payments and tell me what happened?
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting Act XXXX bank has violated my rights 15 USC 1681section 602 states that I have a right to privacy 15USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written Instructions 15 USC 1666b A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for and purpose
Product: Money transfer, virtual currency, or money service

I am Filing a complaint against Cash App ( block, inc. ) due to inadequate customer services and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and adress fraud on theor platform, leaving my account vunlerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvinience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA inaccurate bankruptcy information reported incorrect. Please see attachment
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App due to inadequate customer service and unfair practice, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected,. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

After submitting a complaint with cfpb on XX/XX/2018, regarding collections acct be removed, Equifax lowered my credit score 48 points. While all other credit reporting agencies raised my credit score to XXXX and above Equifax felt the need to lower my score to reflect the credit score at XXXX. I submitted documents that had a XX/XX/2018 date of removing the collections acct, when I called to get my status on this acct, they did not have any of this information and could only tell me they lowered my score because XXXX made an inquiry into my credit file. I don't think having an inquiry should lower my credit score 48 points
Product: Debt collection

Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXX XXXX XXXX XX/XX/2023 {$1000.00}