23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Portfolio Recovery Associates , LLC has been attempting to collect an alleged debt for the amount of {$1200.00} since XX/XX/XXXX. Company claims it purchased the alleged debt from XXXX XXXXXXXX XXXX but has failed to validate it's claims despite multiple written requests for such by me per FDCPA. My last written request for such proof and validation was on XX/XX/XXXX and it was not acknowledged and company continues to engage in negative reporting and damage my credit in violation of FDCPA and FCRA.
Product: Debt collection

I canceled and closed my Capital one card last year due to being out of work and awaiting my XXXX. Capital one has sent me a total of 21 emails since XX/XX/24 to XX/XX/24. They are sending harassing emails every 3-4 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 




INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Product: Credit card or prepaid card

I have been contacting y'all cash app support team over chat about my two disputes, the {$32.00} from XXXX. Why do I need to dispute that payment? Because the company never send me my order, and I have been contacting them by email, they don't reply to my emails. Another dispute is {$120.00} from XXXX XXXX. Why do I need to dispute that because I didn't pass their program? On their site, it's said they offer refunds. Still, contact the business by email and tell them there was a glitch in their system that makes me void the program rules. They told me I couldn't get a refund or a free retake 's and I have been contacting y'all support about their disputes. They keep telling me someone will contact me, and their no updates yet on my disputes, and they claim they escalate my issues. I have been waiting for a whole week now without no contact by email from y'all my two case number is XXXX and XXXX. And my cash app tag is $ XXXX. I require y'all to contact me.
Product: Credit card

I discovered that my credit card accounts had been closed only when they suddenly disappeared from the online banking website. There was no communication from Bank of America informing me about these closures. 
Moreover, I suspect that some of the closed accounts may have had negative balances ( some of them were requested by me and I think there were negative balances, however I can't track as they also disappeared from the website ). In such cases, I am entitled to receive refund checks for any remaining credits on those accounts. 

My attempts to resolve this issue through customer service have been futile. I was informed that they can not access any information regarding my previous credit card accounts, which is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, it's the 2nd time I submitted - as the original message was not properly submitted. 

Here are my details about credit reporting agencies : 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. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 seven 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. 

15 U.S. Code 1681 to ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX XXXX XXXX, XXXX stated that they are requesting a deletion from the Credit Reporting Agencies. As of XX/XX/2021 Experian and XXXX  is reporting that the account has not been removed.
Product: Payday loan, title loan, or personal loan

This is the complaint sent to the company Hello Im having so many issues with your app. For the last few months the app will not load properly Ive deleted it, and redownloaded it multiple times. This has even caused my payments to be late I had my settings on autopay but for some reason my bank account lost connection and because of these issues with the app XXXX cant get it reconnected. You guys even reported late payments causing me to take a major hit to my credit which Ive been trying really hard to rebuild! Can somebody please help me I have no issues with paying you guys but if I have no way to I dont know what else to do.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I realized possible fraud on my Crypto.com account. You have to chat with the company and can not call them. No money had been removed when I first was in contact with the company and asked them to freeze the account. However the company was slow to react and a unknown person from a different country withdrew {$230.00} in three separate transactions. The company refused to payback my money even thought they claim to be FDIC secured. The company Blamed me for the fraud and refused to help. Pleas assist with recovering my money.
Product: Mortgage

On XX/XX/year> you reported UNABLE TO PROCEED WITH XXXX  AS LOAN HAS AN ACTIVE/UNRESOLVED BORROWER XX/XX/year> XXXX COMPLAINT/ESCALATION. 

1 send me a copy of the borrowers unresolved complaint 2 the investigation you took and the results of the investigation including all documents involved, 3 when was the unresolved issue investigation completed and what corrections did you make What is the date of the letter you sent to me, include copies of any and all correspondence you send me required by 1024.35 Error resolution procedures
Product: Student loan

XXXX, My name is XXXX XXXX. I have been with Navient, I dont know how long my loans just seem to get passed around different companies over the years ( since XXXX ) only known via a new letter from a new company saying they are handling my loan. I have been working for and aiming to have my loans forgiven as I work for XXXX ( since XXXX ). I have had breaks but continue to maintain going full time college to complete my degrees and maintain my loans in Income Based Repayment. I have had different occasions in which I have called for assistance with my loans, such a time period of XXXX to XXXX where I was XXXX and withdrew from school to maintain IBR and requested to not be put in forebarence. I have recently learned that my account was in forebarence almost a year, and these months do not count towards my student loan forgiveness. I have made very clear to the multiple lenders who have serviced my loan what my intentions, expectations, and requests are regarding my loans. Navient has handled all of my student loans since XXXX. I have made contact and was informed by Navient customer service - '' oops, we shouldnt have done that if you requested it, but it only accured interest, we cant reverse that ''. I have multiple times requested that there be NO deferment put on on my account and I be in income based repayment while attending college f/t. I have spoken multiple times with Navient customer service who continue to tell me my account has been in deferment for over a year, however they will correct this ( three cust service reps said they will reverse this deferment since XXXX to XXXXXX/XX/XXXX). It is time for my annual IBR recertification, I received numerous emails telling me to login to Navient to complete this. I have logged in however as simple as the layout of the website is, there is no message or direction regarding my requests. I just called Navient for guidance and was assisted to the studentloan.gov site to complete annual re certification and she also informed me that my loans continue to be in deferment as I am in full time college. I once again, explained my intentions, expectation, and requests regarding the servicing of my loan. I have been working for XXXX and XXXX XXXX for numerous year. I have an expectations that my loan servicer is honoring my wishes in how they service my loan as my requests are within my right. I am utterly frustrated and overwhelmed with Navient attempts to hinder my progress in loan forgiveness and repayment affairs, in a manner that adds ridiculous amounts of interest where this too should not be. I will be absolutely devastated if all my months of public service are not counted towards my student loan forgiveness as explained and requested that Navient handle my loan in this manner. they have not been honoring my rights and seem to encourage my account to their financial benefit against my wishes. Sincerely, XXXX XXXX
Product: Checking or savings account

I made a purchase through my XXXX with XXXX which automatically takes the funds from my checking account held at Citizens Bank. This transaction was refunded the same day by XXXX and the funds were then automatically sent from XXXX back to my Citizens Bank checking account ( XXXX XXXX XXXX XXXX in the amount of XXXX. This all occurred on XX/XX/2022. The funds have not been put into my Citizens Bank account although XXXX has provided me a confirmation number and I have evidence of the transactions. I have called Citizens Bank who can only file a claim and refuse to allow me to send them my documents regarding the transactions. I really need this money and they arent helping me get this taken care of properly or quickly. This is causing my account to be overdrafted and I really need the funds. Please help me get Citizens Bank to put my money into my account.
Product: Credit reporting or other personal consumer reports

I dont recognize the hard inquiries on my credit report. Never went to the location or online for them to have access to my information. Have not signed or received any form of this information.
Product: Checking or savings account

Dear CFPB, I am following up on my initial complaint regarding Wells Fargo holding a check I deposited from XXXX XXXX XXXX XXXX XXXX XXXX ). It has now been over XXXX days ( deposited XX/XX/XXXX ), and I still do not have access to my funds. This continued delay is unwarranted, given that the check has already cleared with the issuing institution, and it is causing me significant financial and emotional hardship. 

Wells Fargos decision to place and maintain this hold appears to be an unnecessary and irresponsible gamble with my money. The lack of resolution has put me further into debt, as I am unable to cover critical expenses during an already challenging period. My health is suffering from the stress caused by this situation, and I am deeply concerned about Wells Fargos disregard for their customers well-being. 

I have already reached out multiple times, spoken with several representatives, and escalated the issue repeatedly, yet no action has been taken. This lack of accountability and transparency is unacceptable.
Product: Bank account or service

I have been a PNC customer for over 14 years. I have a checking account and I have financed XXXX vehicles through PNC. I called today to schedule a payment for my Auto loan which will be paid off in less than a month. I was told they would no longer accept my partial payment. I have always paid partial payments in the 14 years of doing business with PNC. I am getting ready to purchase a new vehicle and assure you I will be going elsewhere for financing. I will not be doing business with PNC any longer! I am highly disappointed and will be closing my PNC checking account as well.
Product: Checking or savings account

On XX/XX/24, I paid a portion of my rent with my chime account for {$180.00}. On XX/XX/24 I called Chime bank spoke with XXXX regarding a payment that was returned this rep was rude and hung up the phone on me. I called back and requested to speak with a supervisor, I spoke with XXXX. I explained to her about my transaction being returned. She informed me that my balance on XX/XX/24 was XXXX that the transaction presented on XX/XX/24 for XXXX. The difference was {$19.00}. She could not understand why the spot me service did not pay the transaction. XXXX didnt try to resolve the issue she did not have an explanation why. Chime returned my payment. Chime as a spot me service. My spot me amount is {$30.00}. When the transaction was represented on XX/XX/24 my balance was XXXX which was my ending balance on XX/XX/24. According to Chimes spot me service they will spot you for the amount of {$30.00}. The difference between the XXXX and XXXX is {$19.00}. Chime did not spot me the {$19.00} which is below my {$30.00} spot me amount. This is deceptive business practice. If you offering a spot me service to your customers and you dont spot the customer or you pick and choose when you want to offer the service is deceptive. Chime is not offering the service that they agreed upon in their contract. Chime returned my payment which caused me to incur a {$50.00} NSF fee with the management company I rent from. I also had money in my saving account to cover the negative amount, but Chime did not take the money from my savings to cover the difference. Chime has a round up service where they round up all your purchases and put the difference in your savings account, but they can not transfer funds to prevent a transaction from returning. This is unacceptable and very deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint AGAIN to update this suspicious information. The 3 Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$750.00} ; XXXX XXXX XXXXXXXX Balance : {$770.00}.
Product: Debt collection

I have reached out to this company on several occasions asking for verification as to how I owe this company. They have yet to provide debt validation and They are reporting a balance when it is reporting as a charge off I offered to payoff the debt after validation but they are always rude in their responses. They have two accounts reporting that I owe and when I called about them they said they no longer have the debt that it was sold to another company so why is it still reporting monthly as a c/o? I am requesting that both accounts be validated or removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  - XXXX  XXXX  Act. # XXXX in accordance with the Fair Credit Reporting act XXXX  Account # 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: Credit reporting

I am a victim of identity theft. The following accounts are unauthorized and fraudulent accounts that do n't belong to me : XXXX XXXX XXXX, U.S. Department of Education/XXXX, U.S. Department of Education/XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Last 4 SocialXXXX XXXX XXXX XXXX XXXX XXXX Md XXXX XXXX ( XXXX ) XX/XX/2024 LVNV  Funding XXXX XXXX XXXX, XXXX, SC XXXX. 
Subject : Demand for Immediate Deletion of Collections from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C.

section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions.

I demand the following collections entries to be deleted : [ List all collections entries you want to be removed, including creditor name, account number, and any other relevant details ] I assert that these collections entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : 1. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies.

The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws.

2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation.

Failure to comply with this demand will result in legal action to enforce my rights under the law.

3. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditors and any consumer reporting agencies that continue to report these inaccurate collections entries on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter.

I demand that you take immediate action to delete the inaccurate collections entries from my credit report and provide me with written confirmation of their removal within [ specify a reasonable timeframe, e.g., 10 business days ] days of receipt of this letter.

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 
Sincerely, XXXX XXXX
Product: Debt collection

This collection agency is going above and beyond what is necessary to attempt to collect a debt I've already notified them that the card was opened fraudulently without any knowledge from myself XXXX XXXX XXXX was the original creditor they are aware of this this collection agency is well aware of this as well at one point XXXX XXXX XXXX had four different mailing addresses for me within a year 's time I mean if that doesn't throw up some red flags I don't know what does but this collection agency is still harassing me when it's more than obvious that the account does not belong to me never did the identity theft happened 6 + years ago at this point at a certain point enough is enough and now they've gone as far as asking the courts to subpoena more of my personal information at a certain point they need to accept that this was a case of identity theft like every other bank that was involved years ago did this is the only bank that I still had an issue with and this is the only question company that still is harassing me there's nothing more to give at this point you're asking for information I don't even have your asking for recent loan applications I don't have any recent loan applications you're asking for copies of my paycheck I'm not working and haven't been for a while now you also want bank statements what do you hope to accomplish I'm not working do you really think there's any money in my account? My domestic partner works but we are not officially married so no you can't go after him for this fraudulent account I've requested that you show me proof all you did was send me bank statements nobody 's disputing the fact that the account was opened and it was used it just wasn't used by me and nobody can explain why there's so many different phone numbers and email addresses and physical address is associated with this account when I've lived at the same place for years now but whenever I bring that up you just ignore that fact
Product: Mortgage

I was approved for a loan modification ( HAMP ) by OCwen loan servicing. I paid the 3 month trial payments on time and was told I would get a permanent modification. I signed and returned the paperwork on time. I was told they needed the paperwork again. The first time I questioned this, they said I had not dated the paperwork. I told them my copy was dated, so their copy had to be dated. then they said the dates did n't match the notary date. I sent the paperwork again. They are not making the modification permanent and in the meantime they are still reporting me to my credit report as delinquent. I am still getting collection calls and paperwork in the mail. I was making my mortgage payment through their online payment option. They have now disabled that option for me. The last payment I made over the phone for a fee. I ca n't refinance with another company because I am still delinquent, even though I am not. I do n't know how to get them to make the modification permanent.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I assessed my credit report via Identity XXXX on XX/XX/22, it was noted that according to Experian, XXXX, and XXXX, the United States Bankruptcy XXXX XXXX XXXX of Virginia reported bankruptcy. 

I mailed a letter to the Bankruptcy Court to validate the account. It was verified by the Bankruptcy Court in a document dated XX/XX/22 that " The Bankruptcy Court does not furnish any information to the credit bureaus, as we do not have any jurisdiction over credit reports. Each credit reporting agency conducts their own research and report their findings. If there are any discrepancies showing on your report, you will need to contact that credit reporting agency and discuss the matter with them, as it will be up to that agency to update their records and to remove any information, if need be, from your report ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my account. It is fraudulent & is impacting my ability to gain credit. 

XXXX XXXX XXXX XXXXXXXX Date Opened XXXX  Balance {$0.00}