23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter dated XX/XX/2020 from XXXX XXXX , XXXX stating I had a negative PayPal balance of {$6600.00}. I do not have a PayPal account. I have never had a PayPal account. The debt claim is fradulent.
Product: Debt collection

I am being accused of owing XXXX XXXX {$2300.00}. The debt was collected by Radius global solutions LLC, offering to settle for {$1100.00}. The reference number given was XXXX XXXX. I am requesting validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ). Please provide proof of this debt validity, including original contract, itemized statement, and proof of ownership by your agency. Under the FCRA, credit reporting agencies are required to report only accurate and verifiable information. I request that this item be investigated and either corrected or removed from my credit file. If the inaccurate information is not corrected, I may consider pursuing further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or seeking legal counsel. This is what I sent to them. However, to no avail
Product: Mortgage

Ocwen ( mortgage company ) - They neglected to pay the property tax that was escrowed which made me get a foreclosure notice from the City of XXXX for not paying property tax. The property tax was 2 separate times for around {$70.00}. Since Ocwen didn't make the payment the fine including property tax made the total come to {$630.00}. So I paid the {$630.00}. I then told Ocwen that I had to pay the amount. Ocwen then decided to paid an additional {$630.00} after Ocwen knew I made the payment. City of XXXX decided to send the {$630.00} that I paid to City of XXXX to Ocwen ( mortgage ). I told Ocwen they needed to return to me the {$630.00} and also since they caused the late fees that Ocwen should pay for it. They have refused to give me the money that I paid to City of XXXX. I never sent the {$630.00} to Ocwen. Ocwen refuses to refund the fees and penalities that they have cause me. I did not allow them to keep the {$630.00}. The payment was made to City of XXXX. Please get me back the {$630.00} that Ocwen stole from and also have them pay the late fees and penalities that were forced on me. The dates that I submitted the payment was in XX/XX/2018 and have repeatedly called them.
Product: Vehicle loan or lease

I am 3 months from paying my loan off with American Credit XXXX. I have been receiving text messages regarding an extension. The representative that I spoke with advised that I have extension granted on XX/XX/XXXX, I advised her I never requested an extension., After further review of my account I was granted an extension for 1 month back in XXXX of XXXX,. My loan is set to be paid off by XX/XX/XXXX, I have {$1500.00} dollars in interest that has accumulated from the extension in XXXX which the contract that I signed for the extension did not accurate state that the amount of interest would accrue, I was expecting to have the loan paid off in XXXX, I have not missed a payment in the 7 years that I have been paying on the vehicle, I believe that these are tactics used against Consumers with less than perfect credit, at the time I purchased the vehicle, My credit score was in the XXXX. Now I am in the XXXX, I would like the interest removed and to pay this loan off in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX DEPT of Ed/XXXX, # XXXX Dept of Ed/XXXX, # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX, # # # # # # XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EdXXXX, # XXXX Dept of EdXXXX XXXX XXXX XXXX Dept of Ed/XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX Dept of EdXXXX  # XXXX Dept of EdXXXX, # XXXX Dept of EdXXXX XXXX # XXXX Dept of Ed/XXXX # XXXX XXXX XXXX XXXXXXXX XXXX, 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 or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

These accounts are part of an active workers compensation claim. It should not be at a debt collection agency or on my credit report.
Product: Debt collection

I dont know anything about credit I was born with a XXXX  XXXX coming up that has been with me my whole entire life. Ive always had a reading comprehension problem to were I dont understand stand things even if I sit down and go over them.. so I dont understand how I have cards in my name with this credit stuff I barely understand credit due to my comprehension problem that Ive always had I never agreed to getting credit cards because, I dont understand things very well I know nothing about credit and I dont even own any of these cards.. I was in XXXX XXXX XXXX all my life so this is something for sure I know I didnt do because, I just dont understand
Product: Payday loan, title loan, or personal loan

I initiated an installment loan online for less than {$3000.00}. They are charging me over 30 % interest and the loan origination fee, I feel is in excess of GA law max rate.i can not find a license for this business to be doing these kinds of loans in Georgia. When I asked this company concerning the interest rate and the license, a representative told me that since they are an online installment loan originator, they are not governed by any state specific loan laws.
Product: Mortgage

Real Estate illegal Foreclosure ( s ) : There are illegal Deed of Trust conveyance activities between XXXX XXXX, XXXX, XXXX and Selene Finance leading to the foreclosure sale date ( XX/XX/18 ) of my property. XXXX XXXX, my 3rd party user, submitted ( see attachment ) my " Consumer Complaint Form '' to the Office of the Commissioner of Financial Regulation, Consumer Services Unit, on my behalf. My issue is MUCH MORE worse than the XXXX XXXX {$140.00} million fake account settlement this activity must be stopped is in the billions in restitution, fines, penalties, etc. a class-action lawsuit -- PLEASE HELP PLEASE.
Product: Bank account or service

I personally have not opened a bank account with Bank of America. I have not made any transaction on a Bank of America account. I have not called or interacted with any representative of Bank of America to open the account that has been reported with my name. There are no other accounts anywhere with my name other than this account that is currently being reported on the Consumer Report bearing a balance that is due which I had no knowledge of nor did I participate in incurring. I found out about this account when I went to Bank of America inquiring on the opening of a XXXX Account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have entered a dispute to have this BK removed from my file previously. Under the new law effective XX/XX/2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. None of the 3 credit bureaus can verify the BK, ( because the court doesn't share information with credit companies ). LexisNexus is staying that one of the credit bureaus have verified the bankruptcy which is untrue. They refuse to remove this public record or state how it has been verified. Ive reached out to pacer and the BK courts and they both have stated that they do not share Bk information by way of phone, fax or email. LexisNexus has not updated the information and per the new law the bankruptcy listed does not include this information and should be deleted from my credit file. This negative/unverified report is hindering me from getting credit extended to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX acct # see attachment The Credit reporting agencies and XXXX XXXX are claiming I have late payments and it is affecting my credit score and damaging my creditability. They are reporting 2 miss payments when I know i made those payments and have the statements from both of my banks to prove it. 

I reported this with the company and they reported it to the bureaus. please see attachments
Product: Credit reporting or other personal consumer reports

First thank you for taking the time to read this letter. Recently, I found fraudulent inquiries in my Equifax Credit report. The inquiries that I have listed below are fraudulent and should be removed from my credit report. Also, I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence. 
Please block this fraudulent information per sections 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. Your response to this letter is required by law. Please. Be aware this letter has been generated by me, XXXX XXXX. I have enclosed identity verification documents for you to verify my identity. 
FRAUDULENT INQUIRY! 
XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX inquiry date XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via mail dated While checking the above report, it came to my notice that your Company has furnished an account on my report.

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of informa- tion regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the al- leged debt ) by the Company will amount to Communication as per Fair Debt Collection Prac- tices Act ( FDCPA ).

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or Company, except a communication confirming your ac- knowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you.Remove this account from my consumer report asap
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping thatXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

THESE INQUIRY IS SATURATING ALL MY CREDIT I WANT THEM ALL TO BE DELETED 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 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 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: Checking or savings account

I was scammed out of all of my money through the Chime Bank app by a false customer rep that said I won some money. The agent said he required my cards to make the money deposit and my driver license. I contacted Chime to verify if this is a real process and the agent I spoke with on the phone confirmed it was correct. So, I proceeded and shortly after sending my information, my entire bank account was withdrawn. I contacted Chime 's fraud dept and they condirmed and admitted that the withdrawn money was fraudulent. It was taken out by something called XXXXXXXX XXXX XXXX And it turns out to be in XXXX, XXXX. Chime has closed my case and denied the returns of my stolen funds.
Product: Debt collection

XXXX XXXX ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$280.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
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 have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update from reporting. 
XXXX {$0.00} XXXX XXXX  XXXX {$0.00}
Product: Student loan

My complaint is regarding the handling of my loans for the Public Service Loan Forgiveness ( PSLF ) program through FedLoan. Since my loans were transferred to them over a year and a half ago, I was told that I would be receiving information regarding a count of how many previous payments made through my old servicer ( XXXX ) would qualify for forgiveness. I have yet to hear from them regarding this count and have reached out to them on 4 separate occasions requesting an update. I have even reached out to their ombudsman group to follow up and have yet to hear anything. They have filed and completed my paperwork for IBR several times, especially when my income changes ( which increases my payment amount - and this is always done on time and quickly ). I'm not sure why it should take over a year and a half for them to give me an update regarding which of my previous payments count. This is halting my financial planning and affecting my daily budgeting. I have qualified my employment from the start of these payments ( dating back to 2012 ) but thus far, only have seen a count for 8 payments.
Product: Checking or savings account

On the morning of XX/XX/XXXX, I was contacted by someone purporting to be a representative of Bank of America. He noted there was an attempt to send a {$1000.00} wire transfer using my online account that was denied because the sender did not know my security questions. He he went on to brief me about safety tips for preventing/protecting my debit card such as going inside to purchase gas, etc. He then wanted to ensure my account was secure by reviewing my security questions with me, I received an authorization text as I normally would from Bank of America each time. So I trusted he was a legitimate Bank of America employee. I did not realize he was fraudulently withdrawing {$2500.00} from my checking account during this phone conversation. Bank of America conducted a 10 business day investigation and determined they would deny my claim to be reimbursed my funds that were stolen, as I was informed in a letter dated XX/XX/XXXX. They stated it was my fault because I gave my personal information to this thief who stole my {$2500.00} whom I thought was a Bank of America employee.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available fund. I believe these practices are unfair and request an investigation into my account transaction.
Product: Student loan

I am enrolled in forgiveness plan and have submitted my renewal application on time ( XXXX 2016 ). They have had me showing deliquent all along. I 've been calling since about XX/XX/XXXX to resolve the issue. Everytime I call Navient the reps see my renewal application was submitted on time & my payments have been committed to the agreement according to my plan but my application was never processed or applied. They say they will have someone process my application and that never happens. I have been dealing with this now for almost 7 months. I 'm on the phone for about 2 hours each time I call. It takes approximately 1 hour to get a representative in the United States and another hour with the American representative only for promises to be not be followed through on.
Product: Mortgage

My aunt recently passed away. I have been appointed executor of her estate. She was unfortunately the last remaining relative in my family and I have been grieving uncontrollably over the past year because I have no help or support available. As a consequence of her death I inherited XXXX properties that I am trying to manage. Her estate is still currently in review and probate in XXXX XXXX Maryland. 
I 'm filing a complaint because of the lack of help and correspondences with her lender. The loan was approved for a short sale. The offer was put in for a short sale and the offer submitted was not enough. A new contract and offer was also submitted and they are refusing to move forward with the short sale because " a short sale can not be done at this point because there is not enough time for the short sale process. ''
Product: Student loan

I previously emailed The Department of Education and they referred me to this government agency. 
My granddaughter " graduated  '' from XXXX University this spring. She didn't get a graduation at her school or any refunds due to closing school and no graduation. 
During the four years my granddaughter had student loans with Wells Fargo. I am XXXX and I am a cosigner on her loans. 
My granddaughter was XXXX XXXX of her class and was an XXXX  student. To date she has been unable to find a job. Her school has been no help. 
Her loans will come due in a couple of months. Of course Wells Fargo continues to charge interest. 
Wells Fargo has refused to follow the President 's requirements for government student loans. 
Even though our student loans are private, it should make no difference. The government is using tax money to help those with federal student loans. If federal student loans are being helped so should private student loans. 
It is doubtful, through no fault of her own, my granddaughter will not find a job soon enough to have income to pay her student loans. I am on a fixed  income   and will not be able to pay them. Since there is no bankruptcy protection my granddaughter will be hounded by Wells Fargo and her credi score will be ruined. The same will happen to me. 
The President must treat federal and private student loans the same. He is using our tax dollars for federal student loans but not for private student loans.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need attention : XXXX XXXX XXXX Date XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$580.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TransUnion XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX Date XXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXX Original XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$580.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

You promised to cancel the loan. U agreed it was induced by fraud. You promised to work XXXX insurer of loan. 

YOU PROMISED TO REMOVE LOAN FROM CREDIT BUREAUS. 

you breached every promise including canceling the loan. You stole money from the XXXX XXXX misappropriated into 1 payment to you and then SOLD the loan back to XXXX. 

I demand you perform on your promises. 
REMOVE THIS FRAUDULENTLY INDUCED LOAN THAT IS UNENFORCEABLE AND VOID FROM ALL CREDIT BUREAUS and all other third party publications. You stole money that was given to XXXX pursuant to contract terms as return of ALL money. 

Litigation is still pending.
Product: Checking or savings account

I've used Wells Fargo and was subjected to fines and fee even after closing the account
Product: Credit card or prepaid card

I can not access my Amex online acct on this dispute as they had problems opening it. 
I have New Info and I previously sent you photos.

I attended my new dentist yesterday who XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. You now have photos and a new Report from XXXX XXXX. 
There are no XXXX XXXX XXXX XXXX XXXX XXXX. 
You also have a witness statement to the fact that XXXX XXXX up was made. 
You also have XXXX XXXX full report You also have Yearly membership that is on my bill. That shows ive been double billed for XXXX and evaluation as its included in yearly membership You also have letter from XXXX finally after 7 months admitting the NO XXXXXXXX XXXX  was done. 
However I was not refunded off of the {$16000.00} bill they sent me. 
Amex gave me a credit based on XXXX XXXX Report snd it should still stand. 
XXXX had no new information so there was no reason to re bill me.
Product: Credit card or prepaid card

Called on XX/XX/2022 to add my mom as an authorized user. She does not live in the US and does not have SSN, was told by the agent that another department would be able to override the requirement. Got transferred to an agent, verified codes. Got disconnected. Call again and found out that my account got blocked for further review. Spoke to a supervisor, and sweated all questions yet block was not lifted : I am leaving country in 6 days and need this card with me. This is just not right to have it blocked without any explanation.