23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was told by the borrowers defense program that my student loan should be forgiven by Navient. 

I called Navient several times to fix it and try to get my loan forgiven, and they shared they received the paperwork from borrows defense gov program, showing they approved my loan to be forgiven 100 % fully, and they were going to write off my loan and forgive it within 60 days. However after 60 days I did not hear back from them I called back in and they said I would need to apply for a new consolidation loan from Navient before they could forgive my loan. I felt totally mislead by Navient and their tactics to have them try to get more money out of me, and not follow the process of forgiving my loan which was authorized by the borrowers defense program / USA government, and now over 100 days since XXXX of 2020 when I received the letter from the borrowers defense showing they approved my loan to be forgiven fully. 

Please contact me and let me know what I can do to resolve this issue. 
I am not working at this time, and trying to find a place to live due to the poor economy and the pandemic, this has been very stressful time for me. 

In addition, I notice Navient also has a class action lawsuit for miss leading consumers similar to what happened to me. I am very concerned how I was treated and I feel totally taken advantage of by Navient. 

https : XXXX # XXXX
Product: Checking or savings account

I've been a customer for XXXX  years and I've been told to avoid fees to keep my balance above {$1200.00} but it has changed to {$1500.00} and I wasn't notified. I've increased the balance now that I'm aware but I request the {$36.00} back in fees that I was charged and was told they could not be refunded.
Product: Credit card

Good Morning, I am writing to formally dispute a reported late payment on my Capital One accountXXXX and to request its immediate removal. During the time I have been a loyal customer of Capital One for 2 years, and I have consistently made timely payments.However, I was recently made aware of a single late payment reported on my credit report for the month of XX/XX/year>. I would like to bring to your attention that I was never late on this account, and this late payment does not reflect my actual payment history. I have always had my account on autopay, and I was shocked to see this negative mark appear. 

I am currently in the process of applying for a mortgage, and the presence of this late payment has had a significant negative impact on my credit score, which in turn is affecting my ability to secure favorable mortgage terms. This is a crucial time in my life, and I am requesting that you review this matter and promptly update my account to reflect my true payment history. As a long-standing customer who has consistently made timely payments and maintained a good standing with Capital One, I respectfully request that you consider removing the late payment from my credit report. I believe this correction is justified, and I would greatly appreciate your prompt attention to this matter.
Product: Debt collection

XXXX medical bill not mine. Talked with the company says they see it was not mine. Still showing on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Transunion has XXXX negative items remaining on my credit file from a bankrupty that occurred in XXXX. And a carloan with XXXX that was open in XXXX is schedule to come off my credit file is still on my credit report. the partial account number is XXXX and it was in the bankrupty filing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX AND XXXX XXXX XXXX HAVE 2 XXXX XXXX CREDIT CARDS. WWHEN APPLYING FOR THE CARDS THE CREDITOR PULLED ALL 4 BUREAU 'S ( XXXX, EXPERIAN, XXXX & XXXX ). SEE ATTACHED.
ON OR ABOUT XX/2015 THESE 4 ACCOUNTS CEASED TO REPORT ON XXXX.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX reviewed my credit report and found several accounts and addresses that are reporting in my account inaccurate. I am a victim of identity theft and did not authorize the charges. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that's 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 XXXX XXXX Sec XXXX ( a ), you must complete this investigation within XXXX  days of receipt of this letter. Please send an updated of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months
Product: Debt collection

XXXX XXXX XXXX and XXXX have been manipulating and alternating a fraudulent account with hopes to receive payment for it while creditors are assisting with this breach of data. Attached youll see {$2400.00} XXXX XXXX Account Closed Date Closed : XX/XX/XXXX This comes directly from my credit union pulling in information. 

Date opening as XX/XX/XXXX and date closing as XX/XX/XXXX is impossible and come from ghost account being created and manipulated for fraudulent collection of payments. 

When requested to remove fraudulent account company refused and attempted to ask for personal information to change account to match consumers. This is also apparent on my FICO score as they have changed the naming system on this to avoid investigation
Product: Debt collection

I received a letter from the XXXX XXXX XXXX XXXX XXXX, that was dated XX/XX/XXXX. The letter was an attempt to collect an alleged debt in the amount of {$2300.00}. I had previously disputed this debt with two other entities in XXXX and XXXX and never received validation from either company pursuant to the FDCPA. This company is attempting to collect on an unverified and unvalidated debt in violation of the FDCPA.
Product: Debt collection

Collection of XXXX reported on my credit report on XX/XX/2021 from Midland Credit Management that was the result of Store credit issued from XXXX XXXX  as a result of idenity theft. I never had any accounts with XXXX XXXX. My identity was used fraudulently.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my covers regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately, They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB ; 's finding indicates that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

Poser Investments-2nd mortgage collection agency is forcing to foreclose on our home during Nat'l Disaster from covid. Poser refused to cooperate with Short-Sale. Poser is pushing my family to become homeless in the midst of National disaster from covid by putting an Auction Sale date of XX/XX/2020 on our home.Poser refuses to cooperate with XXXX XXXX-our 1st mortgage lender, to do Short-Sale, we have a buyer ready to purchase. We fell behind with mortgage payments because of multiple XXXX from XXXX and loss of income from reduced hours.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concerns regarding several issues I have identified in my credit report. Upon review, I discovered multiple inaccuracies, such as incorrect account listings, unauthorized inquiries, and inconsistent billing details. These errors are significantly affecting my financial stability, and I require your immediate assistance to address them.
Product: Debt collection

In the later part of XX/XX/2020, I pulled my credit report from all three credit bureaus. 
After reviewing my report, I noticed Portfolio Recovery Associates was reporting, negative and erroneous items to the credit bureaus. Portfolios actions have negatively impacted my personal credit report. 

On XX/XX/2020 I sent a Validation letter to Portfolio Recovery Associates. ( Letter Attached ) On XX/XX/2020 by certified mail the letter was delivered to Portfolio Recovery Associates Tracking # XXXX ( Tracking Information Attached ) In mid-XXXX I received a response letter from Portfolio Recovery Associates In the Validation Letter that was sent to Portfolio Recovery Associates, I stated that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : Prove the Statute of Limitations has not expired on this account : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : After reviewing Portfolio Recovery Associates response letter, I noticed that Portfolio Recovery Associates didnt provide their Bond or License. These are required in Texas and is a clear violation of Texas State Laws.

Section 392.101 of the Texas Finance Code : Prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.

So, I went to the Texas Secretary of State website and entered Portfolio Recovery Associates name and address. They have two addresses, one in Virginia and one in California, both name and address came up with No Records Found. ( Both screenshots are attached ). 

I also went to XXXX XXXX XXXX website, to see if a collection agency had to be bonded and licensed to collect debt in Texas. ( Screenshot attached ) Im very concerned with the tactics that Portfolio Recovery Associates has displayed, and the misleading afforded to collect in a state where they are not bonded nor licensed. This is a clear State violation, FDCPA and FCRA violations. In the CFPB complaint database Portfolio Recovery Associates has over 7,500 complaints against their company ( Screenshot attached ). 

FDCPA Section 1692e 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the  collection of any debt. We can clearly see that Portfolio Recovery Associates had violated FDCPA, FCRA, Texas Secretary of State Section 392.101 of the Texas Finance Code and me the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several account that are in violation of my write. I do not want the company to reinvestigate because they keep getting the same information which is not correct. FCRA you must report accurate information. However I have dates that are not write. OPEN DATE, CLOSE DATE, MONTHLY PAYMENT, DATE OPENED, BALANCE, PAST DUE, PAYMENT STATUS, CREDIT LIMIT. 


I, XXXX XXXX is tired of constantly asking for the same reinvestigation. My information is not correct on each Credit Bureaus and that is a violation. The company must provide accurate information to all credit Bureaus. Each information must be the same. However, with my report there is so many conflicting information I have high lightened. In the comment section it states it has meet FCRA requirement for investigation how is that when information is still conflicting and some account do not belong to me. I the consumer and a natural person, am aware of all rights that I have, and which are protected by the CONGRESS under the Fair Credit Reporting Act ( FCRA ). The list of account below has violated my Federal Rights. My federal rights protected consumer right to privacy and confidentiality under 15USC 1681. NOW IS NOT THE TIME TO UPDATE INFORMATION YOU ALL HAVE DONE THAT BEFORE SEVERAL TIME AND STILL FAILED TO GET IT RIGHT. In addition it took 47 days to get a response from each credit breaus.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX. And I am filing this complaint because I have notice several inaccurate reporting accounts and inquiries on my report. I did not give authorization for these reportings for they are XXXX percent inaccurate. Please remove them immediately. And no this is not a third party filing this for me.
Product: Debt collection

My daughter contacted me saying that a debt collector contacted her and my ex-wife, after they have never tried to reach out to me. The collection agent gave them detailed information about my debt and full story behind it, as well as names of parties involved, amounts owed as well as dates and other details. I contacted the company XXXX Capital Link Management LLC ) and spoke to an agent who was very unprofessional right from the start making threats of arrest and lawsuits. I recorded the conversation where he also threatened me saying he has access to my social media and will reach out to family and friends. I kept asking if it was legal for him to give out my information and details of my debt to a third party and he insisted that it is legal to do whatever it takes for them to collect. A second agent also said that my daughter claimed she was my employee and it was legal for them to give out the detailed information of my debt. My debt involved a check that was given to me by a client for services provided. I cashed the check at a check cashing business and that check later came back as insufficient funds. They are unable to collect from the issuer so they are coming after me. 
Capital Link Management llc is acting like they are attorneys and police making threats and acting unprofessional. They have terrible reviews on XXXX and will do anything to collect even if it involves breaking the law and regulations
Product: Money transfer, virtual currency, or money service

I am trying to connect my account to XXXX and PNC will not let me connect my account and it doesn't look like there is any other way for me add money. This happened a few months ago with XXXX, another investment app, and I keep being told that I need to invest but PNC doesn't seem to want me to invest and I'm getting fed up with this! It doesn't even connect to my XXXX anymore. This bank is feeling a little out of touch with how people are using their money in this day and age.
Product: Debt collection

Debt Collector XXXX XXXX XXXX XXXX XXXX entered my property breaching the peace where they proceeded to repossess my automobile that was financed by the General Motors Financial where they were told Cease and Desist their collection attempts and was told to vacate the property address more than 10 times which was witnessed by the XXXX Police Department who so told me to move out their way to allow the Self Help Third Party repossessor to repo my only vehicle. The towing company damaged my property by damaging my parking shelter and destroyed the landscape Upon further investigation after the repossessors took more than 2 hours blocking my driveway and traffic on the street the Office of the Secretary of State of Texas confirms that the towing company was in tax forfeiture and prohibited from collecting in Texas and are refusiing my demand to return my truck and all of my personal property inside of which has prompted a criminal complaint to be filed with the XXXX Police Department which can been verified by XXXX XXXX of the XXXX Police Department in XXXX, Texas.. 

Full details and supporting evidence is attrached to this complaint
Product: Checking or savings account

I am an XXXX XXXX XXXX college student, and I am on a joint account with my father. About XXXX months ago, my dads bank account was hacked and he filed a claim with the merchant and they put the money back into his account. A month later Bank of America said that his account shouldnt have been credited so then they put his account in the negatives, even though the merchants refunded him. Then XX/XX/XXXX, they took over {$270.00} out of my account to fix his overdraft fees although he was clearly hacked and the merchants fixed the problem. So now Im out of {$270.00} and my account is literally at XXXX dollars. Another problem with bank, about XXXX months ago I was scammed through my XXXX, and the bank told me that it will be investigated in XXXX business days, then it was XXXX, then it was XXXX, then it was XXXX. After waiting over a month they came back to tell me that they cant do anything and that I can have the info faxed so I can sue the person. It wasnt ideal, but reasonable. Now Ive been waiting over a week which was longer than what I was told, and still nothing. Now they are back tracking telling me that they cant give any information about the person when this has happened in the past and Ive gotten their information.
Product: Mortgage

we had a mortgage with XXXX. we had gotten behind because my husband was out of work for a year. I started a loan modification with XXXX and before it could be completed my loan was sold to BSI this XXXX. After speaking with them they advised me that I would have to reapply for a modification with them which we did. this was back in XXXX 2015. I sent BSI all the necessary paperwork just to receive XXXX letters from them claiming they could n't move forward with the modification until they received recent paystubs and bank statements. I sent new XXXX even though what they had was still current. since then 6 months has gone by without any word from them. I email them and get no reply. I recently contacted someone other than my CSR and heard from him claiming he would forward my email to my CSR. That was two weeks ago and still no word. In the meantime I was told no payments would be accepted on my mortagage until it was modified. I now owe over {$20000.00}. XXXX is my loan number with BSI.
Product: Debt collection

ON XXXX received an alert from XXXX stating that Enhanced Recovery added a collection onto my account the same account that was dispute listed above they are continuing to add the account on my credit file when I have advised them that I was not the party who is responsible for the account due to identity theft and yet they are continuing calling harassing and trying to force me to pay for something that does not belong to me, please remove the account from my XXXX credit report and find the person responsible for the debt Results Report Number : XXXX Date Generated : XX/XX/2019 XXXX XXXX XXXX  XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
XXXX XXXX | View your Report | View your credit score Deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a 30 day late payment on my account and it is showing up as different dates on different credit bureaus. Example, XXXX shows the 30 day late payment in XX/XX/XXXX and XXXX shows the 30 day late payment as XX/XX/XXXX, and Equifax shows a 60 day late payment in XX/XX/XXXX. This account has been closed for several years and was always paid as agreed, never late. The discrepancy is obviously because this account was NEVER late and needs to be removed immediately. 
This incorrect information is being reported on all three credit bureaus ( Equifax, XXXX and XXXX ). 
I have tried to resolve this with each of the bureaus as well as with XXXXXXXX XXXX and it keeps showing up on my credit reports incorrectly reported.
Product: Money transfer, virtual currency, or money service

This refers to CFPB Complaint XXXX. I am following up because the transaction in question is still unsolved. I see that PayPal has submitted that I don't have a valid complaint because the money ( {$4000.00} ) was transferred. I did not receive an email from you or XXXX about the resolution. XXXX XXXX, the recipient never received the funds in his XXXX account. So PayPal retrieved {$4000.00} from my account without paying XXXX XXXX. I only ask that PayPal investigate what happened to the funds. The transfers show that he received the funds and transfered the funds from PayPal to his XXXX account. No funds appeared in his account. Somewhere the ball was dropped. Please use the documents from my initial complaint to follow up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXXDispute XXXX XXXX  XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXXXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute Chapter XXXX bankruptcy dismissedDispute all above are major violations XXXX XXXX  didn't remove my public records
Product: Mortgage

Hi my name is XXXX XXXX XXXX XXXX the homeowner of XXXX XXXX XXXX ft myers fl XXXX not XXXX XXXX XXXX XXXX past and present mistakes on complaints. My loan number is # XXXX. My complaint is the my mortgage company hasnt never offered me a forbearance on this occasion they went ahead and filed a foreclosure without trying to help me. I was never informed that they had even filed a foreclosure I had to find out through a local attorney because he mailed me a letter in my mail to offer his assistance. Ever since I bought the home I have always felt threatened that they want to take it from me. I took screenshots of the messages online account were they use to give me the right to pay my mortgage now XXXX cant call or mail a money order or mail them a cashiers check or they send it back so. Now I ask them in message if I could do the forbearance they said yes only to call and when I did there rude costumer service representative denied me the forbearance.