23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

The amount for my loan has increased, which to me makes no sense this has never happened before and I have been making payments on time every month for the past year. I have previously been placed on a wage garnishment which was supposed to be because they were not receiving a XXXX $ monthly payment, if it wasn't the payment then it was paperwork. I also had made payments to a company who told me that they could help avoid the garnishment and get me on the right track which turned out to be a lie. ( wasted money, time, effort, and personal information ). My original loan amount was XXXX and that tripled to XXXX which i had gotten down to XXXX but is now back up to XXXX and I have never owed that much in student loans. I have yet to receive paperwork on how Navient is charging me interest, which as i said has never before happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are a list of fraudulent accounts and inquires per bureau XXXX   Child support enforcement {$350.00} XX/XX/XXXX XXXX XXXX Install {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$940.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX   XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} XX/XX/XXXX XXXX XXXX Install {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$940.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1300.00} Apr XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX {$350.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Install {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$940.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$550.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX I am currently in the process of filing a lawsuit with ( XXXX XXXX of XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ) against the credit bureaus. XXXX, XXXX  and Transunion for non compliance with the FCRA. I have mailed in numerous certified letters ( in which I have all receipts as well as a full comprehensive copy of my credit report along with my police report ) I mailed this to the bureaus XX/XX/XXXX. I have called at least 6-8 times and was given the run around every time in my lawsuit I will be naming the following indiviauls - ( XXXX ) XXXX XXXX XXXX Operations Supervisor XXXX XXXX CEO XXXX XXXX XXXX XXXX XXXX Vice President and Associate general counsel - ( XXXX ) XXXX XXXX Senior Vice President -XXXX Fraud ID Theft XXXX XXXX Vice president and Group counsel XXXX XXXX XXXX XXXX Corporate Vice President Chief legal officer - ( TRANSUNION ) XXXX XXXX Executive Vice President Trasunion corp XXXX XXXX Director fraud and identity management XXXX XXXX Senior Attorney XXXX XXXX XXXX exec VP/gen counsel XXXX XXXX vice president and division gen counsel
Product: Debt collection

I was went to PRA website and saw announcement that a CFPB Order thatrequiresPortfolioRecoveryAssociates, LLCtoproviderefundstotalingapproximately $ 15milliontoimpactedconsumers. CFPB Order which I would like to submit to PRA XXXX. I was REQUESTING CFPB EMAIL to CC my email " CFPB Order Application for XXXX XXXX ''. However now I am attaching my Application as a Complaint. I received false statements from the above PRA starting in XX/XX/XXXX as they tried to collect a debt I had already paid in XX/XX/XXXX and refused to acknowledge payment in full I had already sent them stating the account had gone into collections in XXXX when really it had in XXXX. False statement were fabricated for XXXX.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$2200.00} XX/XX/XXXX XXXX  XXXX Balance : {$4900.00} XX/XX/XXXX XXXX  XXXX Balance : {$2800.00} XX/XX/XXXXXXXX XXXX XXXX  XXXX Balance : {$7100.00} XX/XX/XXXX XXXX  XXXX Balance : {$8300.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX Balance : {$1200.00} XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Checking or savings account

I used my debit card at a fuel pump. The pump was not working correctly and it was charging me for gas that I did not receive. My cars gas tank only holds XXXX gallons of gas and the gas pump just kept running, the gas pump said it charged me for almost XXXX gallons of gas, my cars capacity is only XXXX gallons. I was overcharged {$99.00}, I disputed charge as unauthorized and my claim was denied. The gas station said they could not fix and I had to contact my bank. I would like my {$99.00} credited back to me
Product: Checking or savings account

I have had multiple overdraft fees and returned payment fees due to my account being low. Im currently out of work and have cancelled a payment but for some reason Bank of America is trying to pay the bill anyways though it has already been run and returned for which I paid a fee for each occasion. At this point I have paid and/or owe around XXXX $ in overdraft fees associated with the account. Payment dates are being changed on my account to reflect in favor of the bank where I can be charged overdraft fees. It will show a payment going through on the 2nd of the month then change to the XXXX to make my balance negative. I have tried calling and was told they are unable to refund these charges despite me being out of work, etc. I have another complaint ongoing and have tried to contact them to no avail.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX, XXXX : # XXXX According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 ( 5 ), they are supposed to treat inaccurate or unverifiable information by promptly deleting or modifying it.

According to 15 USC 1681s-2, they are not supposed to furnish any information that is known or believed to be inaccurate.
Product: Mortgage

I fell behind in my Mortgage XXXX of XXXX, I was put on a Repayment plan with Bay View Loan Servicing, I ended up making multiple payments, My balance for XXXX ended up being {$4.00}, XXXX so I mistakenly made XXXX payments in the month of XXXX XXXX payment was for $ XXXX XXXX XXXX at this point my balance was {$4400.00} so I made Additional payments on XXXX XXXX {$2000.00} and XXXX XXXX {$890.00} I was told be Representatives at Bayview loan Servicing that I was fully paid through XX/XX/XXXX.I then receive a Statement for XXXX XXXX stating I owed for XXXX {$2.00}, XXXX What is so confusing I begin to receive calls from People saying they wanted more money than once I called Bayview a man by the name of XXXX said do n't worry trust his words I am paid through XXXX. On XXXX XXXX XXXX I called to inquiry about this additional payment for XXXX another Representative stated that I still owe for XXXX at this point I am Stressed completely out of my mind, I begin receiving letters from Bayview loab Servicing with no name on the letter trying to Threaten me and Exstrot more money out of me, I could n't believe what was happening, I also noticed that my XXXX statement did not have the additional XXXX payments that I had over paid Bayview leaving Bayview to owe me $ XXXX I am warning everyone who deals with these people to read carefully and Demand statements from Bayview and other Companies that Claim to be helping you make home Affordable act. They could be ripping you off!
Product: Debt collection

The company, Portfolio Recovery keeps contacting me for a credit card debt that Im not familiar with. Also I asked the representative who called me, when did this debt Occur, and they told me, over 7 years ago, I mention and reminded them that the debt passed the stature of limitations based on California Law.
Product: Credit reporting

In the past two years, I 've been trying to get my credit scores up. I 'm older now an more responsible. Each month I regularly check my credit score hopping I 'm moving in the right direction to make this happen. Obviously not. My scores rarely change an when they do it 's barely XXXX point. First of all my name is not being spelled right there are inquires that I know I 've not asked for. My work status has n't been updated none. This could be one of the reasons my score is suffering. Please help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2400.00} Status Account charged off. {$2400.00} written off. {$2400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$850.00} Status Closed. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$670.00} Status Collection account. 

FCRA violations : inquires are not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my names XXXX XXXX
Product: Debt collection

I closed this account in XX/XX/XXXX with a {$0.00} balance. The company illegally charged my credit card and my bank honored the refund since no services were rendered. They took my refundable deposit and have started to invoice a closed account since XX/XX/XXXX. I have not used any of their services and requested numerous times to stop adding late fees to an account that has been closed since XX/XX/XXXX. 

I have had several conversations and can not get the proper resolution. They sent my account to collections in XXXX where I received an invoice from Caine & Werner. I did not this company permission to access any of my information.
Product: Debt collection

I never got a letter stating I owed a debt from XXXX. This collection was placed on my credit report on XX/XX/XXXX. I contacted the debt collection company and requested a Debt validation letter. The man on the other end of the phone informed me it would take about 30 days. To the current date, I still have not received any formal debt validation letter from PHOENIX FINANCIAL SERVICE. While the collection has been removed from the other credit bureau 's it still remains on XXXX phoenix Financial service can not prove I owe this debt. I would like it removed from my report
Product: Credit card

This is the second time this has happened to me. 
I received my monthly statement from home depot which has a due date on the XXXX day of the next month. I usually pay at the local store on or before the XXXX of the month, However, i paid by us mail on XX/XX/2017 for the due date of XX/XX/2017, total bill of {$27.00}. On XX/XX/2017 I received a notice that my account had been assessed a {$26.00}. late fee plus {$1.00}. interest. The {$27.00} was posted XX/XX/2017. 10 days from XXXX XXXX to XXXX XXXX -- XXXX did better. . interest on what???
Product: Debt collection

Approximately 8 years ago I signed up for XXXX services at an indirect store which I later found out is not a corporate store. I had XXXX until last year when all of a sudden I found out that all these years this account was under someone else social security number and that they have added phones to my account. I contacted XXXX right away and they told me that they would get back to by email several times and that never happened. Then I see I received my first debt collector which was very rude and did not know what was going on with my account. I tried to explain to them that they are going after the wrong person and that my social security number is not matching with the one you have. They filled the claim to collections and I saw that in my XXXX report. I reported immediately and they were able to remove the claim to collections verifying that it was the incorrect social security number. For 8 years I been using this account to build my credit and got nothing out of it but this fraud case. So after that first debt collector I contacted the XXXX XXXX XXXX complaint # XXXX and a member of the XXXX Customer Service team got in contact with me. They apologized for what happened and then asked me for my social security number to look into what happened and credit me for the mistake. Instead I found out that they used it to file another claim now with AFNI to come after me for this debt of {$2100.00}. There was also another debt collector before them and I asked for the original copy of the contract to show that this is not my account legally. AFNI collections has called me once and said that they will send me a packet with a copy of the original form instead on XX/XX/2018 I received another bill from the collection company. I would really like help in solving this matter, I spent countless time with many phone calls and nothing seems to work. Please be aware that XXXX has many cases like mine and has not done anything to protect its customers information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XX/XX/XXXX should not be reporting that I am ( 120 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I have been sending letters since last year requesting that the information from XXXX XXXX be verified and updated on my credit report due to all 3 credit bureas reporting different information. When I initially made the request, I asked that they send me the proper documentation to have for my records showing the information was either updated of removed from my credit profile. I received nothing other than a letter stating the information was validated and will remain on the report. I pulled my report recently and noticed the information was slightly updated but was not done so correctly. There are several violations within the information that is being reporting on my credit profile from XXXX XXXX. I will be providing 2 copies of my credit report just to give you a visual of the changes that were made but are still invalid. For example Transunion is reporting the account was opened on XX/XX/XXXX. However, XXXX and XXXX are reporting the account was opened on XX/XX/XXXX. Also Transunion and XXXX are reporting the balance owed is {$7800.00}. While XXXX is reporting the balance owed is {$7900.00}. Transunion and XXXX are reporting the account is a repossession, yet XXXX is reporting the account as Late 120 days. Transunion and XXXX are also reporting the last day active as XX/XX/XXXX, while XXXX is reporting the last day active as XX/XX/XXXX. Even down to the 2 year payment history, the information is all over the place. I have been contacting the company, the credit bureaus and still have not received any proper assistance. This account is affecting my financial ability to obtain new credit. Which is causing issues in my every day life. As a consumer I have exhausted all of my options to get this matter rectified. I am requesting this account be removed from my credit report.
Product: Student loan

I contacted XXXX  to request that the cosigner listed on my loan be removed. They denied my request stating that it was listed in my contract that the cosigner can not be removed. They then refused to show me a copy of said contract.
Product: Money transfer, virtual currency, or money service

Between XX/XX/XXXX and XX/XX/XXXX I purchased several different crypto currencies on coinbase. {$64000.00} USD worth. The value of my account is approximately {$110000.00} USD as of now. For an unknown reason and not upon my request I am locked out of my account in every way. Can not buy, trade, and most importantly sell any of my assets if need be. I was locked out of my account in mid XXXX and tried to fix the issue thinking it was something on my end, but after a lot of research i realized it was coinbase that locked me out, I made 2 formal claims regarding this issue. CASE # XXXX on XX/XX/XXXX and CASE # XXXX on XX/XX/XXXX both describing in detail my situation and I have followed up with several emails and still no response or satisfaction on this matter. I made these purchases on the coinbase app.
Product: Student loan

I was asked to cosign a student loan for my nephew over 20 years ago! He graduated, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I heard nothing until a year or so ago. Then, my credit score began getting negative ratings. I personally have never missed a payment. My previous score was over XXXX. 
I checked who was making the negative submissions. It was NAVIANT. I called my nephew and he told me he was having trouble making the {$90.00} minimum payment.

I believe that after so many years, with NO contact from NAVIANT, and they begin to attack my credit, this is akin to blackmail! It makes me look bad to my creditors etc. with no explanation.
Product: Vehicle loan or lease

I purchased a vehicle from premier Nissan on XX/XX/XXXX. When purchasing this vehicle I traded in a XXXX XXXX. The dealership is refusing to pay off the vehicle. I was informed today by XXXX XXXX that I am still responsible for the payments on the XXXX XXXX even though I do not have the vehicle. I have attempted to speak to several people. I went to the dealership and waited for 3 hours to speak to someone. The receptionist finally put me on the phone with someone who said that she will call me back. I am not able to purchase a tag without them paying off the car. The state charges extra for late tag purchases.
Product: Money transfer, virtual currency, or money service

In XXXX of 2021 I tried to purchase material using funds from my paypal merchant account to cover fees and purchase for my small business. Paypal denied the purchases with no explanation. I then tried to transfer fund to my approved account for the same purchases. Paypal sent me a notice that all my funds were on hold for 180 days. After the 180 days, my funds were to be available. On XX/XX/2021, with no explanation, paypal stole my account balance and classified it as payment to cover their fees and damages. They stole {$2000.00}. They won't let me submit a resolution claim for the fund they stole after I tried to make a purchase nor will they give me an itemized receipt of the alleged fees they have charged. It seems predatory that they only charge the balance of my account for their fees after promising to release the fund within 180 days from the initial attempted purchase.
Product: Credit reporting or other personal consumer reports

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following : XXXX XXXXAddress of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX -Failed to provide factual information about XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) account # XXXX -inquiry from Experian -address of XXXX XXXX XXXX XXXX, NJ XXXX -address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX -Failed to provide factual information about XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) account # XXXX -inquiry XXXX XXXX  XXXX XXXX -address of XXXX XXXX XXXX XXXX, NY XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX -address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX -address of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX -Address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX -Address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this item with Experian with no correction and I called and mailed the company, XXXX XXXX XXXX Card Services to correct incorrect information on my credit report with no correction. I opened an account in XXXX. It became past due and so I settled and closed it in XX/XX/XXXX. This account feel off my report years ago and I settled now alost 18 years ago and now all the sudden its showing up that I just settled it in XX/XX/XXXX?!!! And when I tell everyone its wrong correct they are not taking it off. XXXX and XXXX show it correctly???!!! They wont take it off
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX and I have been trying for months to get my credit history/report. I've been in and out of rehabs and shelters for the last 15 years and have no idea what I owe and to who. I tried the XXXX every way I could selecting each of the 3 credit agencies individually. All it keeps saying is it can't identify me. I made copies of my vital documents and sent it " snail-mail '' to each of the reporting agencies months ago and haven't heard anything back. I'm very frustrated and don't know what to do.
Product: Debt collection

XXXX XXXX XXXX in XXXX, TN filed suit to collect a debt allegedly owed to XXXX XXXX XXXX or about XX/XX/XXXX. I was not served or provided notification of a case or a debt held by the agency. A levy was subsequently laced on XX/XX/XXXX. I have contacted the agency, and advised that no notice was left at my residence, nor was any notice received. The biller has refused to provide a detailed transaction summary, verification of debt, or detailed balance. The original biller, XXXX XXXX did not provide credit for financed insurance policies, and declined to honor a XXXX XXXX  XXXX claim requested in XX/XX/XXXX.