23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I do not owe this debt its been over 5years on an apartment they claim I owe when me and the company went to court and the case was dismissed without judgement. They are threatening to take me to court when its over the statutory limitations/ and the issue was dealt with in 2014.
Product: Student loan

Greetings! 

Thank you for taking the time to listen to my concern. I work in the nonprofit sector and have been doing so for 12 years. I planned to apply for loan forgiveness when my 10 years worth of payments were complete. I checked program guidelines and thought everything was in order. However, I was mistaken. Me and many other smart people did not qualify afterall!! I applied for loan forgiveness in 2017 and was denied. I didn't realize I had to have Federal Direct Loans. When I found out I immediately consolidated at which point I was told my 10 years time clock now starts OVER! Also, I was told I have to be on a " income based repayment plan ''. That would double my monthly payment and all my loans would be paid in another 10 years. This doesn't make any sense. I worked 10 years for qualifying nonprofits. I made 12 years worth of consecutive payments. I still owe a ton of money. Why can't those funds be forgiven?? My husband has had the same experience. I found out recently my State Representative and other prominent people working in the nonprofit sector have had the same experience. This is WRONG. Even with the temporary assistance bill that was passed, we and many others still can't get assistance. This is a broken promise. Guidelines were not communicated or communicated well or we wouldn't be in this situation. This is mismanagement of public funds. This is a SHAME! Please help find a remedy for this situation.
Product: Debt collection

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., has violated my rights. Account name : Self lender 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. I requested debt validation from agency and received a partial copy of a statement or just a confirmation that it was validated through a third party. I have sent multiple letters. Im requesting that these accounts be removed. I contacted them several times and was advised that they havent updated my account information since XX/XX/2023 even after I made payments
Product: Debt collection

I was originally contacted by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX, OR XXXX ) on XXXX XXXX concerning a traffic violation in XXXX, XXXX on XXXX XXXX. I wrote them on XX/XX/XXXX that I was disputing the debt under the Fair Debt Collections Practices Act as I was in the United States, not XXXX, on XX/XX/XXXX. I was then informed that there were 6 tickets, 4 on XX/XX/XXXX and 2 on XX/XX/XXXX. In response I requested in a XXXX XXXX that they ask the XXXX authorities to waive the 4 XX/XX/XXXX tickets as I was not in XXXX at that time and to waive the late penalties on the XXXX XXXX tickets as I was not given the opportunity to pay them earlier. As evidence I provided my flight info showing I was not in XXXX on XX/XX/XXXX and a letter from XXXX rent-a-car indicating my rental commenced on XX/XX/XXXX. I never heard back from XXXX XXXX after that. 
On XX/XX/XXXX I was texted by Cedar Business Services ( XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX CA XXXX. Requesting payment on the above mentioned 6 tickets. On XX/XX/XXXX I called and spoke to XXXX XXXX at Cedar and explained I was not in XXXX and not responsible for the 4 tickets from XX/XX/XXXX but went ahead and paid the two XX/XX/XXXX tickets, which now had even larger late fees. I also emailed XXXX XXXX the flight and rent-a-car info referenced above as evidence I was not in XXXX or responsible for the XX/XX/XXXX tickets. Despite paying the XX/XX/XXXX tickets and providing evidence I was not responsible for the XX/XX/XXXX tickets Cedar Business Services continued to text me on XX/XX/XXXX and XX/XX/XXXX requesting payment for the XX/XX/XXXX tickets even though they were provided with documentary evidence on XX/XX/XXXX.
Product: Checking or savings account

I received a Chime XXXX card in the mail in which I did not apply for. They have my personal information and wont allow me to close it. This is identity theft. Please advise. XXXX wont allow me to handle this matter. XXXX another option. I dont feel comfortable putting my personal information in an email
Product: Debt collection

I did not incur this debt and when does the statue of limitation ends?
Product: Credit card or prepaid card

Hello I called RushCard on X/XX/17 and X/XX/17 to get information about my cards services rushgoals explaining the feature in detail also to breakdown my actual deposits and amounts for a lawyer. This information was not provided to me as I was disconnected from the call by a representative twice. There is no corporate contact number as this is for legal purposes.I also asked for corporate contact info and the legal department info as well and was disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I requested Experian to remove from my credit report files, information about my student loans that are affecting my credit, and my ability to move on and rebuild my life. 

Originally these institutions used to have my loans : XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Inactive as of XXXX I already consolidated these loans with XXXX   XXXX  XXXX  XXXX, and I'm paying on time. These double reporting is causing a double effect on my credit, on one side I'm receiving positive reviews for my good payments with XXXX, and in another hand a negative one from those mentioned. We have to take into account that these are the same loans, the same amount of money lent to me, and is causing collateral damage. 

These double reporting mix is inconsistent with the honesty of the agencies and does not help me build my credit, do not preserve the integrity o my responsible history payments. 

Please help me with Experian, and XXXX  to remove this information. XXXX already removes them. 

I'll be eternally grateful, Thank you very Much. 

XXXX.
Product: Money transfer, virtual currency, or money service

Money was not available when promised & Confusing or missing disclosure : PayPal & its International fund transfer partner " XXXX '' advertised that there is no transfer fee to transfer fund internationally. But what they did not say is that there is no fee to the sender/originated, but there is fee charged upon arrival at destination ( receiver ), which is misleading. And then, withholding the transferred fund for up to 21 days at PayPal ( XXXX ). 

PayPal XXXX XXXX stated that there is " NO transfer fee, '' but then PayPal ( XXXX ) slapped a transfer fee of XXXX XXXX  upon arrival. That is MISLEADING!!! PayPal and its partner " XXXX '' misled customers to believe that there is NO transfer fee at all, whether by sender or by receiver. But that is NOT what's happened!! PayPal XXXX XXXX did not inform that there is no fee to sender/fund originated, but THERE IS FEE to receiver/upon arrival at destination!!!! Besides, the $ XXXX sent to XXXX is NOT available for 21 days!!!! That is soooo ridiculous!! Even banks won't withhold funds that long. The whole idea of sending money by app like PayPal, Venmo, XXXX, XXXX, etc ... .. is the advantage of " Speed '' and convinience that is supposed to be faster than the regular commercial banks!!! What good is it to use PayPal if fund is not available for 21 days?!?!!!! Will NOT use PayPal to send money ever again!!!!! And will tell other people not to use it either. Absolute BOGUS!!!! Because : 1.- PayPal & XXXX charged the highest transfer fee. 
2.- PayPal & XXXX advertised & misled customers into believing that there is " no fee '' in transferring money with them, when in fact, there is. upon arrival/at destination. 
3.- PayPal ( XXXX ) withholds the fund the longest in the history of money transfer by any app existed!!! PayPal ( US ) stated that the fund will be available by XX/XX/2024, but PayPal ( XXXX ) said, the fund will be available after 21 days.
Product: Mortgage

Ocwen/PHH have engaged in what I feel is predatory lending behaviors as well as harassment. 

I was XXXX XXXX XXXX for 8 months and I tried my best to pay and did pay in full on time for 7 months. My savings ran out, had to begin begging and borrowing to survive, then decided to request relief with my mortgage. 

I applied for a loan modification, was denied and offered a forbearance. The agreement stated that if I did not agree to this contract I would not be considered for a loan modification or any other assistance. 

The statements were very misleading because they stated " Trial Modification '' but was enacting as a forbearance. 

I complained to them and they put me on a trial modification. The last month of the modification i sent in the payment, on time, but they cancelled the modification.Please see the attached communications for details. 

These two companies have terrible customer service, such as lying on me ( see attachment # 3 ), each representative provides a different story ( see attachment # 3 ) and appears to be trying to ensure I lose my house.
Product: Debt collection

Lvnv funding made a judgement against me that I paid off. Then redid it again and won a judgement against me that I didn't get notified about
Product: Credit card or prepaid card

So on XX/XX/XXXX there was three transactions that happened in my account at PLS Expectations prepaid debit card one for {$49.00} and two transactions for a {$19.00}. I was able to get back one transaction of XXXX and one from XXXX but the third transaction of the {$19.00} I still have not got back yet and I've been going back and forth for my debit card company to get back this money for the past 2 months it shouldn't take 2 months to get {$19.00} back
Product: Debt collection

I received a letter from the First National Collection Bureau , Inc . The letter stated I owed a balance of {$880.00} that was turned over to them for collection. It stated the origal creditor was XXXX XXXX. The debt collector states in the letter they will accept a payment of {$350.00} to settle the debt. I tried to contact to the First National Collection via the number they provided on the letter. I called the number three times only to reach a XXXX cell phone recording!! I did not misdial the number as I checked it 3 times. The letter also contained a web address. I logged onto the site to try and recieve information about the so called debt. There was no information available, only payment options. I have never had an XXXX XXXX   account, I have never done business with XXXX XXXX ever. I called XXXX XXXX and spoke to a customer service representative. I gave her all my information and the last 4 digits of the account number that was in the letter. XXXX XXXX had no record of me, or any type of account linked to me. I know this to be correct as I have never done business with them. Also by coincidence I received a copy of my credit reports from XXXX and XXXX only two days before I got this letter. There is no delinquent accounts whatsoever and no accounts ever with XXXX XXXX. I am currently in the process of buying a new home so I requested my credit reports. Upon researching this company, First National Collection Bureau, I found that this is a scam and that they are known to send false letters requesting payments and debt collection. They have used such companies as XXXX XXXX XXXX, mortgage companies, XXXX XXXX, XXXX XXXX etc. the list is endless. They simply try to scam money. I will attach a copy of the letter also. I will try to contact this company again as I was unable to speak to anyone the last time I called. After logging into the website, the phone number started working and went to a recording stating it was First National Collection. I was not able to speak with anyone. Amazing how the number did not work until I accessed the website. I have never dealt with XXXX XXXX, they have no records of any accounts on my behalf. Please shut this scam down. Thank you.
Product: Checking or savings account

On XX/XX/23 I went to Wells Fargo and deposited {$6800.00} at the ATM. I made XXXX separate deposits that day in the amount of {$3000.00}, {$1000.00}, and {$2400.00} because the ATM kept jamming and I would have to restart the process. On the third deposit, {$300.00} jammed and was not spit back out. The screen stated that I would receive a refund but I didnt. I then created a claim with Wells Fargo and got provisional credit of the {$300.00} on XX/XX/23. The case was closed on XX/XX/23 and I thought it was over. Then on XX/XX/23 the credit was reversed. On XX/XX/23 I called Wells Fargo to reopen the case and I have not received any updates to this date ( XX/XX/23 ). My bank deposits that day clearly show that there were errors with the ATM and checking the cameras would too.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ). Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent 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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$31000.00}, {$2700.00}, {$620.00}, {$150.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$620.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$150.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$13000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I have been in the process of buying a new vehicle. I attempted to access my experian online account and noticed I couldnt get in. I tried to reset the password and there was a different email on the screen that doesnt belong to me. I emailed then on XX/XX/XXXX advising this. On XX/XX/XXXX I received a response stating to upload documents to include my drivers license and my SSN card. That was done the same day and emailed them back stating this was done. I was told I have to wait for another area to process those documents. I emailed them back on XX/XX/XXXX after hearing nothing. I received a response on XX/XX/XXXX early morning stating theyre still waiting for my documents. I emailed back saying they were uploaded to the portal last week. The urgency is not there with someone else having access to my personal information. Experian is not handling this efficiently. There is no way to get to a live person on the phone and the only way I have been able to contact someone is through email. Nothing is getting done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand that the following account ( XXXX ) /file ( XXXX ) be deleted, all collection efforts cease and any information about this account ( XXXX ) /file ( XXXX ) sent to credit agencies/bureaus be removed immediately!! 
XXXX XXXX XX/XX/XXXX {$11000.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$5100.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$3300.00} XXXX XXXX XXXX XX/XX/XXXX {$19000.00} XXXX XXXX XX/XX/XXXX {$18000.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX  XXXX XX/XX/XXXX {$5800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

canceled three warranties and on XX/XX/XXXX XXXX XXXX mailed out two checks. One was for {$3700.00} and the other was {$1400.00}. On XX/XX/XXXX, Kia finance America received another check from the dealership in the amount of {$1700.00} for two other warranty policies that where canceled. I received two statements for XXXX and XXXX saying I have no payments due ; therefore, I did not pay for those months. On XX/XX/XXXX, someone from Kia finance america told me I was late for two months and that my statements was incorrect. Now they reported me late and my credit dropped XXXX points. This is not fair to me or my credit that they sent me no payment due statements and now trying to backtrack saying I owe. I had a XXXX credit score now I do not because of kia negligence. Also, they are saying I owe {$2800.00}. This is causing me financial distress and emotional distress because now I have to worry about them repossessing my car and I have XXXX toddlers. I have to get back and forth to work and take my children to school and daycare. This is not fair, and now my credit is hurting. Please let me know if you can assist.
Product: Debt collection

I noticed a new account in collections on my TransUnion credit report. The account originated from a XXXX company ( XXXX XXXX XXXX ), and I can not find a reasonable way to contact them. The alleged debt is for a sum of {$3800.00}, and I'm not sure what this debt could even be for. I have received no notifications of this accounts existence, or of any debts prior to the collections account. 

This company appears to own XXXX U.S., of which I am a customer. I have never gone delinquent on a payment to XXXX. I am unsure of the correlation between my telephone provider and this fraudulent account. 

I believe this account was born of identify theft, though my dispute through TransUnion resulted in no action taken. I do not know what supporting documentation I am meant to submit if I have no knowledge of this debt in the first place, with the exception of a derogatory mark on my credit report. 

Currently, the account seems to be in the possession of a collections company by the name of XXXX XXXX XXXX XXXX XXXX.
Product: Checking or savings account

Hello, Id like to file a formal complaint with the CFPB against JPMorgan Chase. Recently I discovered check fraud on my account by which a check in the amount of {$2900.00} written for my monthly rent was stolen from my local mailbox and deposited into someone elses account ( not the intended payee ). Ive filed a claim with Chase Bank to recoup the funds but they refuse expedite my claim and say it will take up to 60 days to investigate. 

For this, Im unable to pay my rent this month and will incur a late payment fee of {$200.00}. Im also calculating that I will overdraw my account with recurring bill pay due to my missing funds. 
I feel my requests have not been handled properly or urgently and I would like to see that this does not happen to other customers. They will not provide provisional credit so now Im experiencing financial hardship. I would like to ask that my claim is resolved expeditiously and that Chase review their subpar customer service standards. Clearly unacceptable to make the victim here suffer so needlessly. Clear and obvious check fraud should be handled immediately, and not in 60 calendar days.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an XXXX XXXX  account opened at XXXX, XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened XXXX XXXXXXXX XXXX on XX/XX/XXXX with a balance of {$11000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

Prestige Financial Services Administration proposed a settlement of {$12000.00} on sale of my XXXX  XXXX XXXX with XXXX miles on it. 
Prestige Financial Services Administration stated they will settle for {$12000.00} but remaining balance of {$5000.00} on the loan will be reported to XXXX, XXXX  and XXXX  credit reporting bureaus to destroy my credit and credit scores and put me in more financial hardship as l am respectfully XXXX XXXX and XXXX  and on fixed   XXXX Retirement  income. 
There is a dealership or car Organization of XXXX  that's offering {$12000.00} for the vehicle as XXXX has sent me a email forwarded to Prestige Financial Services Administration Mr.XXXX XXXX that XXXX   will purchase the vehicle for {$12000.00}. 
The vehicle is well maintained by me and there is no mechanical issues on vehicle as a California certified mechanic check all the safety on the vehicle and conducted Tune up, brakes and any repairs on vehicle. 
Vehicle has new tires and is very cleaned.

Vehicle is insured by XXXX  insurance.