23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

As of XX/XX/2022 I receive notification from the XXXX program from my state that I was preliminarily approved for mortgage assistance. A portion of the email specifically states : Please note, however, that we can not issue final approval until your application has been verified by your mortgage company. Once approved, your servicer will receive the payment from SC XXXX on your behalf. 

Your mortgage servicer has been alerted to the next steps that they will need to take for us to send them payment for your account. 
I promptly notified the mortgage servicer and was told by my single point of contact XXXX XXXX that a certain department has not received any indication that I was approved for assistance. Each time I inquire about it I feel like I am getting the runaround. I offered to provide the phone number to the XXXX program, as provided in the email but that information seems to be avoided. I do not understand why it is so difficult for my mortgage application to be verified so that way the program could process the payment towards my delinquent amount.
Product: Debt collection

DATE : XX/XX/year>, AMOUNT : {$7500.00} ACTION : Called XXXX XXXX XXXX XXXX to speak with an agent and nobody answered or responded to my letters and voicemails for months I sent letters to XXXX XXXX XXXX, XXXX, XXXX XXXX and the letters came back. 

In accordance of the fair credit reporting act SECURITY CREDIT SERVICES creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furish an account without my written instructions. Under 15 USC 1666 B a creditor can not treat a payment on a credit card account under an open credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2023, I fell victim to a multilayered scam operation orchestrated by XXXX which involved me making deposits for a total amount of XXXX USD to the fraudulent investment firm ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an incorrect inquiry on my credit report that was not authorized. The inquiry has had a negative affect my credit report. Below is the unauthorized inquiry. 

EQUIFAX XXXX XXXX  XXXX XXXX -- XX/XX/19 XXXX  has also sent a request to Equifax to remove the inquiry off my credit report.
Product: Debt collection

On XX/XX/XXXX XXXX placed an account on the collection which I quickly disputed, and a resolution was achieved. All negative items relating to XXXX and XXXX collection were removed. 

On XX/XX/XXXX another collection agency place the same collection item for the same amount, same creditor but new date. This is illegal and it's hurting my credit report. 

They must remove the account asap as it's not mine and I already proof such once. I want a letter from them removing such items from all credit reports.
Product: Money transfer, virtual currency, or money service

Our Business Paypal account was shut down without reason. They were unable to disclose why. There was a balance of {$1600.00} that they are refusing to release. 
XX/XX/XXXX XXXX funds were accepted XX/XX/XXXX and email was sent saying they were reviewing and shutting down our account and funds would be held for 120days. 
XX/XX/XXXX I recived emails that our funds were available. i went on the account and an error occured when trying to recieve funds. 
XX/XX/XXXX the account says it will not be able to release the funds till XX/XX/. 

I am a XXXX XXXX XXXX  of 10 years. We just opened an online store and linked our paypal account to it. Our regular cutomers used this site and paypal to purchase hair products. they chose in store pickup. Our customers all have came to pickup their goods. But we have not recieived any funds for the goods. Paypal is holding it without reason. 
They have not reached out to any of our customers to confirm our business or recipet of goods. th Paypal has not contact number and their online help leads to nowhere. We are a small business and they are holding our money hostage. I have read many articles that they will keep the remaining balance as a 'fee '. 

HELP! This should be illegal.
Product: Student loan

Approximately 5 years ago I contacted Sallie Mae in reference to PSLF - public service loan forgiveness. I have worked full time as a government attorney since XX/XX/2009. I was told that there was no way to make my loan eligible for PSLF. This was not correct information. They put me instead into a 20 year loan. I spoke with Navient yesterday and they told me that I was given incorrect information, that a simple consolidation would have made my loan eligible. So basically Sallie Mae / Navient was deceptive in that I could have been half way completed with my student loans, and instead they expect me to start fresh the 10 year standard payments that I've already been paying for nearly 10 years. This was completely deceptive behavior. I've been paying nearly mostly interest payments for 10 years already, all of that time while being a public servant. Instead of assisting me in my request for PSLF, they deceptively told me I would not be eligible.
Product: Debt collection

On XX/XX/XXXX I received notice that there was a new collection account added to my credit report from Central Portfolio Controls who claims they have been trying to contact me since XX/XX/XXXX about a Credit Card with XXXX XXXX XXXX XXXXXXXX XXXX XXXX  from XXXX with me owing {$1200.00} which I have no idea who its for but I never received any calls or letters from them just a " surprise '' damage to my credit report. I never had a XXXX XXXX XXXX XXXXXXXX listed on my Credit Report and I monitor it weekly. 
I called XXXX, but got no info from them who then had me contact XXXX XXXX but never answered nor received call back after leaving voicemail
Product: Debt collection

XXXX formally XXXX added an amount owed from over 10 years ago of {$790.00}, I do not owe that amount and I want them to remove that amount from my debt.
Product: Payday loan, title loan, personal loan, or advance loan

I took a online loan out on XXXX XXXX, XXXX from a flyer I received in the mail, I was preapproved. A. Credit limit of {$900.00}, according to information I gave when applying ( XXXX income ), I acknowledge reading contract involved for the loan. The problem comes when each month the repayment fee is different and higher for a set loan of $ XXXX I was not aware of the scheduled repayment fee changing each month. The repayment fee went from XXXX to XXXX and for the last several months to {$160.00}. As a XXXX old XXXX XXXX I am unable to meet this obligation and would never have even considered a loan with this type of repayment the reschedule fees were not with the contract I read. I I live on a set income and when the payment reached this amount {$160.00} I called Money Key ( XXXX in XXXX & XX/XX/XXXX to see why the payment was so high and could I pay less monthly payments. As the bill showed I will never get out of my bill being over XXXX every month with all the different fees they add on each month. I will be paying this amount every month and the bill would not be reduced at all. I was told if not paying for 60 days then they could set up another arrangement, I feel this is some kind of illegitimate business I am unwittingly involved in and submit my complaint for investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX i sent letters to the bureaus regarding inaccurate information and they still have not responded. Later only to find out they lied on their website as to what address to send dispute items. I gotten no response from the bureaus yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. My personal information was stolen from my car and my id was used to get loans and credit without my permission. This is identity theft
Product: Credit reporting or other personal consumer reports

I have been a responsible credit user with XXXX XXXX for 24 months. Since, I have had an account, I have never missed or had a late payment. In addition, I pay more than the monthly required minimum. My Equifax score is currently a XXXX and I have XXXX debt. I am on an income driven payment plan for student loans and currently pay $ 0 monthly and this will continue until I make at least {$40000.00} or after my graduation date. I spoke with CapitalOne, and was told, I have to reach out to the CFPB. 

I have requested credit line request on both of my XXXX accounts several times. All of which have been denied based upon my credit report. This last time, I was denied for this reason : " Your financial obligations, such as those reflected on your credit bureau report are too high compared to your income '' I am submitting this complaint because I believe XXXX is purposely and improperly obtaining my credit report. I am exercising my right to complain under the terms of the FAIR CREDIT REPORTING ACT in which XXXX 's credit decision was based in whole or in part on information obtained in a report from the consumer reporting agency. 

I obtained my report from Equifax and on the basis of XXXX 's statement being : " The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. '' There were no indications of financial obligations being too high compared to my income. 
Therefore, I am led to believed I have been discriminated against on the basis of race, color, and/or national origin which violate my rights protected under the Equal Opportunity Act.
Product: Checking or savings account

Trying to link my account with XXXX  to PNC. I can do this with XXXX but not XXXX XXXX
Product: Credit card

Citibank improperly charged interest against my account despite paying the balance in full.
Product: Credit card or prepaid card

Capital One has been reporting for months that Im delinquent on a charge off account when the balance has been paid off. By law & the FCRA it is illegal to report inaccurate information to the bureaus & they say they dont have record of the conversation of the representative stating that the tradeline would be deleted but the conversation actually did take place the day I paid them {$670.00} as a condition to improve my XXXXredit score. Not only is it still showing derogatory on my 2 credit reports but the last active date is showing 3 different ones. This tradeline is violating so much of the FCRA & FDCPA that it needs to be removed Capital One stated that it its own letter that the debt was charged off on their insurance & they accepted the payment from me again. This debt has not only been paid by me but also their insurance
Product: Money transfer, virtual currency, or money service

XXXX. On XX/XX/XXXX, I placed three orders from the seller " XXXX '' on XXXX, comprising XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all in black.

2. Upon delivery, I discovered that all three jackets did not meet the quality and workmanship expected of authentic products. Consequently, I initiated a return request on XXXX on XX/XX/XXXX for all three jackets, citing the reason as " Items not as described. '' XXXX XXXX approved my return request, and the seller provided me with a return label. However, since I was in XXXX at the time, I was unable to use the provided label for direct return. I communicated this to both the seller and XXXX XXXX Customer Service team, detailing in the attached chat transcripts that I would be returning the items from XXXX via XXXX XXXX, which might not offer visible tracking updates until the package arrives in the US. 
XXXX. Despite keeping both the seller and the Customer Service team informed, my return requests were closed on XX/XX/XXXX because I did not use the provided return label. I had consistently explained this situation to both the seller and XXXX XXXX Customer Service team. Now, the tracking status has been updated to show that the items have arrived in the US and have been accepted at the USPS Regional Facility, exactly as I had previously outlined. 
XXXX. However, the seller intentionally refused delivery, as evident in the tracking history. Despite my efforts to keep the seller updated on the tracking status through XXXX messages, he did not respond. 
XXXX. These were returned because all three jackets are not authentic and were not as described. Now, with the seller intentionally refusing delivery, I am faced with a significant loss. 
XXXX. I initiated three transaction disputes with PayPal on XX/XX/XXXX and submitted all relevant supporting documents, organized according to the timeline of events. Despite this, the company failed to conduct a thorough review as required, and the resolution process seemed rushed. They concluded my disputes on the grounds of " invalid tracking information. '' However, the shipping documents and tracking information I provided clearly demonstrate that the package contained the three jackets intended for return, which were the exact items I purchased from the seller. These documents include the seller 's name and address and confirm that the shipment originated in XXXX. The package was set for onward US domestic shipping by USPS from New York, in line with the details I had communicated to the seller and the XXXX Customer Service team. Moreover, this tracking number detailed the overall shipping status, supporting my assertion that " the package would initially be dispatched from XXXX and, upon its arrival in the US, the USPS tracking number would be updated to reflect its status for US domestic shipping, showing that the parcel was deliberately refused by the seller. '' Consequently, I have now lost both my money and the goods.
Product: Debt collection

This company is reporting inaccurate information to the credit bureaus i called them to get it removed and the lady hung up in my ear after she refused to produce proof of me having business with her company
Product: Credit reporting, credit repair services, or other personal consumer reports

We agreed to pay off a collection last year in XX/XX/2021 with XXXX XXXX XXXX. The agreement was with account representative XXXX XXXX. that once the amount was paid in full. XXXX XXXX will request for complete deletion from our consumer credit report and send to XXXX, XXXX and Equifax. This is a joint account in the sum of {$1200.00} was paid by me and my husband.
Product: Credit reporting or other personal consumer reports

I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report.

Provide written confirmation that these items have been removed.

Conduct a comprehensive investigation into how these accounts were erroneously reported.

Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 

XXXXXXXX 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

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
NAME XXXX XXXX. 
LAST NAME. XXXX XXXX XXXX. XXXX SECURITY FREEZE
Product: Mortgage

I was granted a Credit line of XXXX from Bank of America XX/XX/XXXX. XX/XX/XXXX the 10 year borrowing period expired so I applied for a new line. After almost 3 months on XXXX/XXXX/XXXX my application was denied for a debt to loan ratio of 58 %. ( 54 % ) is the cutoff. I inquired as to where they got their figures and was told the monthly draws from my IRA accounts were based on the quarterly statement I had sent them. They added up the draws and divided by XXXX. In formed them I do n't draw every month and why did n't they use the annual draw from the XXXX 's ( XXXX ) I sent them ( XXXXand XXXX ). My credit score was XXXX out of XXXX. The existing mortgage is XXXX on a house appraised at XXXX. My social security is XXXX/mo. I usually draw XXXX from my Ira when needed. The balance of my Ira today is XXXX. If I ca n't get a loan with these figures, who can? I suspect age discrimination since I 'll be XXXX in XXXX. I do not want this denial to affect my excellent credit score.Thanks for any help you can provide
Product: Credit reporting or other personal consumer reports

I've disputed several accounts and asked for re-verification for accurateness and completeness of these accounts but all I have received is letters stating they can not identify me when I have send in my utility bill, my driver 's license, my social security card and my W2. How can they not identify me? The following accounts are inaccurate, unverified and incomplete : XXXXXXXX XXXX XXXXXXXX- why is this on my credit report? 
XXXX XXXX XXXX XXXX - I was never late on this account. 
XXXX XXXX account XXXX - I have no idea what this is or if it belongs to me. 
XXXX XXXXXXXX - I don't think this is my account. I have no idea what it is. 
XXXX XXXXXXXX XXXX XXXX  - What is this? I would like this validated. This is a debt collector and I don't know who or what this is. 

I would like these investigated for completeness, accuracy and that they are mine because I don't know what most of them are.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I submitted a dispute to Experian. XX/XX/year> I got a reply stating " The dispute for the account with XXXX XXXX  that starts with XXXX has been received and should be completed by XXXX. '' XX/XX/year> I got an alert saying the 'The incorrect account with XXXX XXXX  that starts with XXXX has not been changed and will remain on your credit report. '' According to the FCRA, Experian is supposed to conduct a thorough investigation and provide me proof that the account does belong to me, or delete or make corrections to my report to reflect accurate data. The investigation took 4 days, so I expect Experian got something to justify keeping this negative account on my credit report, however no documentation, reason or proof was provided to me to validate this account. My rights, protected by the FCRA, have been violated and malpractice is evident. 

Attached to my complaint I have provided : 1.When dispute was submitted 2. Copy of errors and mismatches between Experian, XXXX and XXXX XXXX. Reply from Experian
Product: Student loan

Im filing a complaint against Ascendium/XXXX  XXXX XXXX/ Department of Education . I started going to XXXX, now XXXX ( XXXX College ) in XX/XX/XXXX and finished in XX/XX/XXXX. I was promised that I would be making more money with a degree and if not, they would provide me with a position making more money. When I finished my total was around {$18000.00} and I started paying monthly. In XXXX, I consolidated my loans, which means it should only be one loan amount and not two as they are reporting it. Sometime in XXXX/XXXX, it was determined by the government that XXXX  Colleges  was found to be fraudulent ; therefore, the loans were fraudulent and should have been discharged. At the time the total they said I owed was {$11000.00} and on another loan {$14.00}, XXXX. If you will notice, Ascendium wasnt on my credit report until XXXX, ( the year XXXX  was breached ) and they reported these loans as if I had attended school in XXXX. In XX/XX/XXXX, Ascendium seized my federal taxes of {$5100.00}, claiming I owed them. I was contacted in XXXX by XXXX XXXX XXXX and told they were in the process of garnishing my paycheck and to stop it, I had to sign a contract to pay or my paycheck would be theirs ; I had to sign and agree to pay, and I have the contract to which I signed. They have been debiting every month since XXXX {$78.00} until the end of this year and afterwards I will have to start paying more. The way the contract is written is as if I just applied for a loan to attend school. 
I reviewed my credit report and on my XXXX  report, it shows over {$20000.00} in student loans owed, but on my XXXX, it doesnt show any student loans owed ; they all are discharged, as they should be. 


A copy of this complaint will be sent to : Ascendium XXXX XXXX XXXX, XXXX WI XXXX Link to show that the college was fraudulent : https : XXXX Didn't have the correct problem to choose, but the problem is the loan was discharge and this company has picked it up.
Product: Credit card or prepaid card

Reference CFPB # XXXX. 

On XX/XX/2019 a fax was sent to AMEX / Bluebird regarding restitution of late fees incurred on other accounts ( storage, medications ) due to AMEX / Bluebird negligence to prevent fraudulent transactions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> experian - XXXX XX/XX/year> This account is in litigation I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists
Product: Credit card or prepaid card

This is a general issue that I notice with most if not all consumer credit card statements. I have various multiple credit cards where I shop and I have them only to use the rewards and discounts I receive. I pay them off in full when due. The problem is the statements include no detail as to my purchases. Often there is as much as a month or more between purchase date and statement receipt. While I receive numerous pages of useless information and advertising with the statement, other than the date of purchase, and location, I receive no description of the products purchased. I really can't remember oftentimes specifically WHAT I purchased. Certainly the barcodes contain this information and it shouldn't be that difficult to include it. I often wonder if I'm paying for what I actually purchased. Can you help?
Product: Debt collection

Portfolio Recovery Associates, L.L.C. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC, XXXX To : The XXXX XXXX XXXX XXXX for Portfolio Recovery Associates, L.L.C. 

From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith and return transmit your written evidences of your delegated authority to represent '' that you and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Portfolio Recovery Associates , L.L.C., has invaded my individual privacy under 15 U.SA 1692 A. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair Practices By : XXXX XXXX XXXX