23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

i recieved a phone from miss XXXX XXXX verifying me by my last 4 social the i asked her what this was concerning she said a student loan debt from XXXX She then proceeded to tell me that student loan debt is never over and they would have me served a summons if i did'nt comply.. i asked about the statue of limitations on private student loans and she got very angry and said she just have me served a summons and hung up on me.. Of course i became afraid she also called my job and they called me ... i was told by miss XXXX they could garnish my wages and take my taxes.. i was called from these numbers XXXX and XXXX i just want to know if this is legit and if there is a statue of limitations on private school loan from 20 years ago thanks..
Product: Student loan

I needed to borrow money via private loans to pay for college. I feel that the banks should have a fiduciary duty to explain what the repayment terms will be and also to better evaluate whether or not the student will be able to repay the loans. I am now in a position where I am really struggling to repay my student loans to Citizens Bank. I work XXXX jobs ( over 80 hours per week ) in order to keep up with my monthly payments and I still struggle. The reason I went to college was to enrich my life and my financial future, not to become a slave to my student debt which is exactly what has happened. I feel that Citizens bank should have never approved the amount of money that they lent to me while attending school, and at the very least they should have at least told me what my payment would be when paying off the loan. I felt they took advantage of me because I was nave and young and simply thought that this is what everyone did in order to pay for school. I have about XXXX in debt with citizens bank and I am experiencing a huge amount of stress and anxiety over my student loan payments. XXXX The amount owed to citizens is in addition to my federal loans, which seem to be much more reasonable ) I work so much that I feel that my health is jeopardized as I work from XXXX at my day job and often until XXXX XXXX 4-5 nights per week. 

Citizens bank is not willing to extend my repayment term or lower my interest rates which could really help me to pay this off at a much more comfortable rate. They took advantage of a young college student, and I do n't know where to turn for help. I ca n't keep working as much as I do. I hope the CFPB can help me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have obtained my Transunion credit report on line. There are items from U.S. Bankruptcy Court listed on my credit report. Per FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not Validate the information with the original Creditor, they must remove said information from the consumer file.
The Bankruptcy Courts have also reviewed the Public record section and have mailed me a return letter which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate or confirm public records. It is the credit reporting agencies and other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S Court system due to the Fair Credit Agency Privacy Law.
My inquiry to the U.S. Bankruptcy Court confirms your Credit Bureau has never validated these public record entries on my credit report, neither will they ever be by them. They further stated they are not liable or responsible for any misuse or incorrect public records, nor the distribution of said information, public records may and often times are reported by third party sources unaware to the consumer and in most cases, incorrectly. Considering this information indicates a Fair Credit Reporting Act Violation, I need all bankruptcy information currently showing under my name and or my social security number to be Permanently DELETED from my credit report immediately. The Transunion Credit Bureau needs to provide me with all documentation associated with these Public Records Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per federal Law, you have exactly 30 days to complete this as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).
Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical validation of the original signed consumer contract and or judgements all accounts and public information that you post on anyones credit report. Otherwise anyone paying for your services could fax, mail or email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau and Better Business Bureau. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection agency named XXXX is reporting that I have an outstanding balance owed to XXXX XXXX XXXX for {$2000.00}. This is completely wrong. I have disputed this balance with the three credit bureaus multiple times, but they continue to report an incorrect  balance. I am attaching my final settlement sheet from XXXX XXXX XXXX, from when I moved out, and my balance was only {$470.00}. So either the apartment community or the collection agency is trying to extort money from me that is not owed.
Product: Checking or savings account

There is XXXX dollars taken from my checking account and when I called the bank in same day they said the money take it from the Bank of America ATM that 's what they said. and I 'm strongly confirm that money not taken by me and I 'm always checking my bank account every day in the morning the sum taken from my account without my agreed. 
They open the claim since XXXX XXXX 2017 and I did n't receive any clear explanation how my money take it from my account. 
I 'm always keep my depite card in my Walat and safe place all the time, I also helped the bank and give them the information they need and they just keep me waiting. 
Every time you call the bank they did n't give me clear answer and the said it 's prossing and investigating. 
I work very hard to help my family I have XXXX kids I 'm very sad and not satisfied with this service, I want my money back My claim number with them is XXXX
Product: Checking or savings account

on XX/XX/2019, I received a pre-charge off card notice. it was dated XX/XX/2019 on the inside of the notice. XX/XX/XXXX I called Customer service 2 x once i put in for a call back due to a excessive hold time and never received a call so I started calling again and when I finally got thru was informed after 30 min that i had to travel to a branch location and I explained that was not possible. I went online and contacted the Bank BBVA Compass thru there online contact us Message system. I explained 1 I was charged for a XXXX $ charge that was declined but they were charging me as a overdraft with a fee totaling XXXX . 2 I have my tax returns coming to the account and are being direct deposit and I would like to keep the account open. XXXX XXXX I received a response saying they couldn't help me and again i needed to go to the bank or call the bank 's dept collections department. XX/XX/XXXX I drove to the local branch and spoke to XXXX XXXX and I explained my situation and XXXX called the Debt collection Department 3 times. XXXX was hung up on by the DCD each time and she finally resorted to emailing the corporate office. XXXX asked for a copy of the post card and I emailed it to her and she responded hopefully they will contact me back. On XX/XX/XXXX they closed my account and I no longer had online access. I explained from the beginning the XXXX $ I was over Drawn all from two XXXX $ monthly service charges could be paid off from the direct deposit 's and that according to the State the direct deposit was already issued from California and should be hitting the account any time from XXXX XXXX. Please help me I need My account and funds to pay my car payment and with out it I am afraid my car will be taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is being reported as a delinquent account every month after several disputes. It is affecting my score.
Product: Credit reporting or other personal consumer reports

By obtaining my consumer report on { Insert DATE } knowingly without any permissible purpose you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX )
Product: Payday loan, title loan, or personal loan

I have been making payments to this account and have been marked late twice on this account even though it was paid before the 30 days late due to COVID. 
Each month the bill is XXXX and it is due on the first of each month.. 
I had to stop automatic deductions due to Covid and noy receiving a paycheck in the summer. 
One Main would take funds out of the account and rather have it apply to the past due amount, the payment would apply to the current amount. This action causes me to be late on the past due amount as well as cause me to incur late fees. One Main 's website gives an option to apply funds to the past due amount but it does not apply it correctly which causes me to get a late payment on my credit report. 
I have disputed this several times on my credit and have reached out to One Main once in regards to this. I should not be marked late nor do I want to redo this loan, which is what One Main has offered. I do not want this costly form of credit. I just want to pay it off. 
I want my credit report updated and the lates removed. I feel that this is a deceptive practice from One Main.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an incorrect and invalid collection account that appears on my credit report, relating to an apartment I rented at XXXX XXXX XXXX XXXX. Due to financial difficulties caused by the COVID-19 pandemic, I fell behind on rent payments. In XXXX, through the State of California 's Housing is Key Rent Relief Program, XXXXXXXX XXXX received a total of {$29000.00} on my behalf. This payment fully covered all past-due rent for that period. 

Under the terms of this relief program and in accordance with the COVID-19 Tenant Relief Act SB91 ( signed into law on XX/XX/XXXX ), any landlord accepting state rent relief funds was required to waive all additional fees or charges related to outstanding rental balances. Therefore, once XXXX XXXX accepted the rent relief funds, my rental debt was considered resolved. 

Despite this resolution, I am now being charged for an additional 30 days of rent, allegedly because I did not provide proper notice of my move-out. In fact, on XX/XX/XXXX, I personally handed my 30-day notice to the property manager, XXXX XXXX XXXX at the on-site office. Consequently, I am not responsible for those extra rental charges. This debt is therefore both illegitimate and in direct violation of the relief programs stipulations. 

Furthermore, the collection agency, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has reported a {$4600.00} debt on my credit file and has been mailing letters to my family members and acquaintanceseven though I have not received any direct notification myself. This conduct is improper, harassing, and based on a debt that is not owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security number
, Address, Date of Birth and others resulting in a data breach in 2017. Equifax has put myself and millions of others at risk of identity theft and fraud due to negligent security protocols in handling consumer information. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical
behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this breach.
Product: Money transfer, virtual currency, or money service

I had a hotel run my debit card for {$140.00}. The hotel refunded {$100.00} of that on XX/XX//23. I have asked Venmo supports for help and they advise me that there engineers are working on my issue. 34 days later I ask for an update. I was told the engineers found the problem but didnt have an eta on the fix. I asked again on XXXX/XXXX/23 when I would receive my money. I was again told they didnt have an eta on a fix to the problem blocking my refund.
Product: Money transfer, virtual currency, or money service

I cashed a check with them and it was returned to them as unpaid. I told them I do not have the money available to satisfy the whole amount owed. This company has been repeatedly calling me while I am at work and when I asked them to stop I was told if I do not come in by Friday to pay they will call the police and have me arrested and sent to jail for a felony and have to pay them more money than what is currently owed. I did not know the check that was cashed by them was not good and am willing to make them whole but I need more time and not to have my employment jepordised. They have also been calling my friends looking for me.
Product: Credit reporting

This account was paid in full before collections action began. Please research and have this account deleted from my Experian credit report. this account is negatively affecting my report.
Product: Debt collection

I am writing this letter to formally request that Security Credit ServicesXXXX XXXX XXXX XXXX and desist all collection activities on the alleged account associated with XXXX XXXX XXXX immediately . Your failure to provide documentation that establishes the delivery of a written notice of collection to me is a violation of the Fair Debt Collection Practices Act ( FDCPA ). According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which states that a consumer report is a medium of communication and thus subject to cease and desist requirements. 

Furthermore, upon disputing the validity of the aforementioned account, I request that you provide evidence demonstrating that the credit reporting agencies were notified of the dispute. Contrary to the requirements under the FDCPA, there are no records on my consumer report indicating that the credit reporting agencies were apprised of this dispute by Security Credit ServicesXXXX XXXX XXXX XXXX According to 15 U.S.C 1692e ( 8 ), you must have notified them when this account was disputed. As outlined in XXXX XXXX XXXX XXXX XXXX XXXX, this is a costly mistake that your company has made in the past. was already made. 

As a result, I demand that Security Credit ServicesXXXX XXXX XXXX immediately cease all collection efforts related to this alleged debt. I'll have no leave me no choice but to take legal action to address these violations of debt collection regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a date last active of XX/XX/XXXX while the other bureaus report different dates ( XXXX reports XX/XX/XXXX and XXXX reports XX/XX/XXXX ). 

Experian also reports the last reported date as XX/XX/XXXX, which indicates that this account was never investigated or legally verified.
Product: Debt collection

I Paid progressive directly the debt owed and they were suppose to reach out to CCS to have this updated and removed from my account and it is still showing. I am requested that this be updated and remove as it causing issues with my credit report and lenders
Product: Credit card

I did a zero percent promotional balance transfer in XXXX 2015. I always refer to my monthly statements to keep aware of the XXXX percent expiration date, my goal is always to pay off the balance before I accrue and pay any interest. My on-line credit card statement does not show the zero expiration date.
Product: Debt collection

Spring oak has continued to hurt XXXX credit with account that is not mine. Account is not present in attached XXXX report. Account has never belonged to me and account is reporting incorrect information. Even with these facts Spring Oak has diverted there fruad reports to XXXX and continues to report the account as up to date and mine without my consent and with no valid explanation. This account does not appear on any other reporting agency
Product: Debt collection

I am submitting this complaint directly, without any third party involvement. I have attached letters to provide further details about the information being reported on my credit report. I have never had a contractual relationship with XXXX, and I believe that the original creditor, XXXX XXXX, sold my account without proper notification. This is a clear violation of FCRA Section 611 due to the inaccurate reporting on my credit report. I request that this account be deleted immediately due to the inaccuracies.
Product: Credit reporting or other personal consumer reports

Im writing to fix some mistakes on my Experian credit report. Theres an address listed, " XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, '' that doesnt belong to me. Ive never lived there or been connected to that location. Also, there are several names on my report that arent mine, which is making my personal information look wrong. These errors are frustrating and could hurt my credit. Im asking that these mistakes be removed right away and that my report is updated with the correct details. Please look into this and let me know once everything is fixed.
Product: Mortgage

I received an expired refund check with my name misspelled and wrong address from Paymap Inc. representing XXXX form agreement between Paymap Inc. and the Consumer Financial Protection Bureau ( CFPB ) Agreement for program fees paid between XXXX XXXX, XXXX and XXXX XXXX, XXXX. Consent Order XXXX File No. XXXX. 

I was instructed to call XXXX and was directed to email XXXXXXXXXXXX for my refund concerns. The automatic reply was : The deadline has passed to request a reissued check. If you have any additional questions to call XXXX and not to reply to email. I called XXXX back and was directed to same process without resolution from customer service. 

Unable to get resolution, I went to search for expired check repayment policies from paymapredress.com website Commonly Asked Question : My check is expired/I lost my check. Can I request a new check to be be issued? Answer : Yes, please contact the XXXX XXXX Customer Service Center at XXXX. You can also request a reissued check by sending an email to XXXXXXXXXXXX. The website did not specify a deadline for check re-issuance which is not consistent with the e-mail reply I received. The solutions offered by Paymap were vague to have check re-issued to me, this is the reason why I had to file a complaint with CFPB to assist me with this reimbursement issue.
Product: Credit reporting or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, XXXX, & XXXX didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and XXXX XXXX compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that Experian, XXXX, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Credit card or prepaid card

Paypal has permanently limited my access to my account and refunds aren't being processed to my debit card. PayPal would allow me to open disputes close the disputes in my favor then turn around and permanently limit my account and take my vouchers so I can't make another purchase. Then this company blocks my number so I can't contact them
Product: Vehicle loan or lease

On XX/XX/XXXX, I opened a financing loan with Roadrunner Finance for {$11000.00} at an APR of 18 %. Although this was a high APR, I accepted the loan with the intent to make {$100.00} principal payments each month through the company portal. 

In XX/XX/XXXX, I discovered that the feature to make principal payments had been removed. When I called the company, I was informed that the only way to continue making principal payments was to send a check or money order. Although I found this odd and was displeased, I proceeded with this new plan. It took me XXXX months to get back on track, only to discover that sending in a check labeled " principal payment '' was ineffective. I was told that since the payment was received 13 days after my monthly due date, my account accrued daily interest at a rate of {$5.00} per day, and therefore, the payment was applied entirely to interest. 

This is the second time I have filed a complaint with them, and I have been given no solution from the company. Learning this fact reveals that the company aims to put customers at a disadvantage, even if they are knowledgeable enough to understand that principal payments help minimize high interest costs. I would like to report this company and file a formal complaint.
Product: Debt collection

On XX/XX/year>, I switched my auto insurance coverage from XXXX to XXXX XXXX. At that time, XXXX assured me that they would contact XXXX to cancel my previous policy, so that no further charges would be incurred. 

However, XXXX failed to follow through and cancel the XXXX policy as promised. As a result, XXXX continued to charge me, resulting in a balance of {$410.00} that has now been reported to credit agencies. When I contacted XXXX directly, they offered to accept half the balance as a settlement. This demonstrates that the full {$410.00} balance should not have been owed, as there was no need for me to maintain XXXX active auto insurance policies. 

The reporting of this inaccurate debt to credit agencies has unfairly impacted my credit profile. I am requesting that XXXX immediately remove this XXXX account from my credit report, as it does not reflect an accurate or legitimate debt. 

You will find downloaded in this portal, a letter of cancellation that progressive sent to XXXX at the time of this dispute
Product: Credit card

Kay Jeweler 's in XXXX XXXX, NY. Employees are required to submit a certain number of store credit card applications a week/month. Management told employees who are n't meeting their quotas to " just re-run applications on people who were already rejected in the past. '' This raises two very questionable issues. 1 ) People are being threatened with losing their jobs over credit applications and being urged to re-run applications without the consumers ' permission, and 2 ) this clearly indicates they are not properly disposing of non-public information and retaining it somewhere for employees to re-use as they please.