23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was Appling for a loan for a small business and I was informed that I had late payment from a company called XXXX XXXX in which I didn't know because I had set up a payment plan with the company that XXXX XXXX bought the account from. I had the account set up on automatic payment, so that I would never miss a payment but XXXX XXXXXXXX bought the account and I didn't know and was not informed, so all this time I was thinking I was making payment, my account was getting hits for being late. My credit was hit from XX/XX/XXXX of the month of XX/XX/XXXX to the month of XX/XX/XXXX. I have current made taking care of all the late fee and now I am current.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees that 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 Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Money transfer, virtual currency, or money service

Locked out of my cash app and money taken for no reason
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unverified accounts on my credit report and I have never done business with these companies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that I be provided verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I request a Cease and Desist all further communications and collection actives and provide the verification of the purported debt. 

XXXX XXXX XXXX XXXX X 2
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a derogatory " paid collection '' by a predatory collections company by S & S Recovery out of Tennessee. I submitted my full payment directly to the university via the university 's portal, not a collections company. However, when reviewing my credit reports, I was dismayed to learn that XXXX XXXX XXXX was the ONLY credit reporting bureau showing a derogatory account. I know for a fact that S & S violated many FCRA and FDCPA laws and as a licensed private investigator, I've compiled a court records and testimonies to corroborate a pattern of abusive behavior. 

I never received a letter from S & S Recovery nor could they ever prove to me that they were in compliance the FCRA/FDCPA laws. S & S Recovery never sent a letter, the university never provided me communications nor did they remit the services I paid for due to COVID-19. Since I am a survivor of XXXX XXXX I'm enrolled in the Texas Attorney General 's Address Confidentiality program where they assign a po box to receive mail in lieu of a publicly listing a physical address to add a layer of protection. I have attached that enrollment letter from when I joined the program. 

Also, the university was not physically opened during XXXX and working remotely. Any letter they sent to me were not received. Despite paying the university, I now have a collections with a company I never interacted with! COVID-19 displaced many people and the university could not adequately follow with any notifications of derogatory payment. 

I submitted a complaint by the CFPB portal against S & S along with a formal dispute via XXXX, yet S & S is engaging in their typical " bully '' behavior and refusing any goodwill effort to delete the stain on an otherwise FLAWLESS credit report. 

This negative collection has dropped my report by XXXX points and is preventing me from opportunities and setting my interest rates higher. This is illegal. I have a tentative meeting scheduled with a news network who is willing to speak with me on the record for an " expose '' news story about this very matter should the issue not be resolved.
Product: Money transfer, virtual currency, or money service

I'm writing to formally express my concerns regarding PayPal 's handling of disputes, particularly in light of the recent CFBP lawsuit highlighting significant issues with the platform. Despite using pay pal numerous of times and reporting discrepancies my financial institutions and pay pal failed to investigate my clans adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible.. The CFPB 'S findings indicate that pay pal 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 customer safety.
Product: Money transfers

sent money on money gram. ever time person went to pick it up they say money is not there. Every time I do this with this company it happens. This has happen on 5 different occasions.
Product: Debt collection

XXXX XXXX XXXX is trying to collect 4 accounts in total that are the results of apparent fraud. The accounts are XXXX, XXXX, XXXX XXXX and XXXX. When I logged to the system with my information, it appeared under the name of " XXXX XXXX '' and the account balances amounted to {$6100.00}. I verify my XXXX XXXX and confirmed that those accounts were impacting my credit score. The whole profile was under the name of another person that is clearly not me. The company is manipulating the clients information and awarding those accounts to me. I did not recognize such accounts and the person which they have in profile its not me.

Attached is the online profile from XXXX XXXX, which is clearly not under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened an account on XX/XX/2022 and took {$900.00} installment loan from Moneylion using my bank account information. An amount of {$19.00} was charged to my account on XX/XX/2022 that got my attention. I already disputed this to XXXX XXXX to stop the collection from my account. There will be a $ XXXX  monthly payment that will be charged on my account later on.
Product: Credit reporting or other personal consumer reports

They said that I did not upload the correct documents for them to continue investigating my identity theft dispute for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Here I have attached the ftc report that they are now requesting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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: Mortgage

Guranteed Rate pre approved my loan back in XX/XX/2023. We went through the entire process and I found a house that we planned to close on in XXXX, Georgia. XX/XX/XXXX was the original closing date but the underwriters asked to extend the closing date to the XXXX so we all signed the 8 day extension to make that happen. During that week I had to sign a bunch of explanation letters explaining my work hours and get them a bit more info that they requested. The day before closing I got the thumbs up that we'd be closing the next day! I currently live in XXXX and would need to drive up to XXXX to close at XXXX the next day - I set off early morning and got a call about XXXX hours into the drive that they needed to more letters signed and I did. XXXX hours before closing I got the call that I would not be closing that day and that I did not in fact qualify for the loan amount that the pore-approved me for back in XXXX! 

I lost the earnest money I put down - {$2500.00} and convinced Guranteed Rate to refund me the appraisal but they refuse to take responsibility for the earnest money that the seller now gets to keep because the deal went haywire. I had no time to save the deal and no means to come up with the additional money that I didn't know I'd need. 

No one should be able to get XXXX hours out from closing and the deal fall apart because the lenders couldn't determine the loan amount their client qualifies for. 

Guranteed Rate Location & Info : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Payday loan, title loan, or personal loan

My wife,  XXXX   XXXX  and I were married on  XXXX / XXXX / XXXX . On  XXXX / XXXX / XXXX  we became legally separated. During the period of our marriage we obtained a joint loan wit h One Main Financial.  ( At the time they were known as  XXXX   XXXX   ) On   XXXX / XXXX / XXXX  a  Consent Judgement Entry  was filed dividing assets and debts between each of us. The agreement was for our assets to be divided equally and any joint accounts to be mitigated to the other account holder as sole ownership. All was completed except for  XXXX   XXXX  's role on this account wi th One Main. Once I attempt ed to pay the account off, her signature was found to be required, because  XXXX  never signed the account over to me in sole ownership. A motion to show cause was filed, and  XXXX  was found in contempt of court, and is now the sole owner of the  One Main Account. One Main  continues to contact me, and threaten me by phone, mail and email to secure my belongings, garnish my wages, and imprison me. They are also reporting negatively on my credit report. Since I owe no balance, this must be removed immediately. I recently was denied a loan through  XXXX   XXXX  as a result of this negative information and high balance being listed on my report, and  my APR went from  10.9 % to 18 %. This is due solely to this mistake. Since this is happening, I am seeking a settlement for damages fro m One Main Fi nancial which they can bill to  XXXX   XXXX  's attorney  XXXX   XXXX , who has agreed to pay this law-suit of {$25000.00} in full to avoid being dis-barred for credit fraud, and imprisonment for violating my rights under the fair debt collection practices act, and fair debt reporting act.
Product: Bank account or service

Santander bank is constantly calling and leaving robotic messages. I do not have an account with them and they are asking for someone named " XXXX ''. They call a couple times a day and leave messages saying that " XXXX '' should call and enter a PIN to retrieve her message about her account. A search on the web revealed that there have been others who have had this happen, and when they contacted Santander Bank, the agent said that they could not remove the telephone number on file. This is outrageous. I have never done business with this bank, and they have the WRONG number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one erroneously reported a 30 day late to my credit report for a business credit card that was in forbearance because of a hardship occurred during the COVID-19 Pandemic shutdown. I spoke to someone at capital one and they assured me that the erroneous mark would be taken off when I write the credit report department and provide that department with a copy of report that has the error circled. Well I did just that and now Capital One has a different story of the mark being there. No investigation, it didnt matter if account was in forbearance and sorry that they know how important my credit is. When the pandemic first happened the FCRA gave guidelines as to how and when furnishers should report. Capital one is not recognizing accounts in forbearance. They did not investigate what was said to me on the phone as well. They sent me a 1 page letter with a brief message. The person I spoke to knew my Mother died alone with no one there. They knew the business had a hardship and when it got to Capital Ones credit department nothing mattered.
Product: Credit reporting or other personal consumer reports

I contacted all XXXX  credit reporting agencies and advised them the information they have reported is in accurate I wanted to know the offset ledger of the true bill and to see the 1099c of each and every account thats hurting my credit profile. All three major credit reporting agencies are in violation under the securities exchange act 1934. My debt has been pre paid by the United States of America inc. Collateral with my social security bond.they also violated provisions article XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Im the GRANTOR of my TRUE ESTATE a secure party creditor im set free and clear of all liens debts tithes held under the color of law all other encumbrances established by the United States of America inc., they also violated foreign sovereign immunities act section 1605 and 1607 Im owed and entitled to exemptions treaties bonds insurances and guarantees including indemnity and full faith and credit.
Product: Debt collection

I talked to a representative two weeks ago and set up a payment plan to pay my debt. I told the representative what days to charge my account and since she failed to charge my account on one of the days we arranged called from her personal cell phone number saying that she was going to mess up my credit. 

The collection is not only listed as open but also as having a past due balance of {$970.00} dollars. This is a violation of FCRA requirements and in violation of XXXX XXXX Compliant reporting standards. According to the FCRA I have the right to a completely accurate report and if its not accurate then I am in my rights to have it completely removed and discharged from being liable for any debt thereof. 

Please remove this account and send me an updated report showing compliance with XXXX reporting standards and this account removed under completion.
Product: Credit card or prepaid card

I was checking my anuual credit report and noticed 3 mistakes in equafax report. First there was information about a credit card taken out in XXXX under my name with XXXX and couple of other places i never did any business with. Theres also a car lease in XXXX, meanwhile i was not driving, as my licence was suspended at the time. Theres also history of a college loan. This is a nightmare. I am unable to live a fullfilled life becouse my private informatio was compromised, social security number was stolen and used for fraudemtial purposes.
Product: Bank account or service

XX/XX/2016 my wallet was stolen along with my debit and credit cards. There were fradulent activity on my debit card first and my other bank called me up to notify me. I had similar charges/activity in my Bank of america debit and credit card but they never flagged it. I immediately cancelled my debit card and credit card. But that did not stop. On XX/XX/2016, the thieves withdrew XXXX money from the ATM and also cashed out a check for XXXX $ from the same account which was already overdraft. My BOA credit card was linked for overdraft protection and it kicked in but currently I am not only charged the XXXX $ but also charged interest. To make it worse, I am in the process of buying a house and my credit score is getting hammered because of these huge overdraft fees. I feel BOA was pretty clueless about fraud detection. Every time I called up, they had something missing from the Notes. Also I was put on hold for a very very long time. I even went to a regional branch and they could not help me. I spend almost 2 days ( taking off 2 days off work ) to solve this issue. BOA should have blocked this account knowing that my ID was stolen too ( I had mentioned that I have a police report regarding the stolen wallet ). I am not only losing my peace of mind but also my work hours. This is more than frustrating. They were pretty careless about my account. I do n't see myself doing any business anymore there. I had accounts with them for 10 years.
Product: Credit reporting or other personal consumer reports

Upon paying for a purchase of {$9.00} through Paypal account, I went to use my registered credit card on file, Paypal routed me to Synchrony bank and asked me to put the last four numbers of my SS number to verify my identity, Once I put my last four digits of my SS number Paypal routed me to a different portal and automatically applied for an new Synchrony Bank Credit card, within seconds i was approved for a {$1200.00} credit card. I called Paypal, they routed me to Synchrony to report that was not my intention. My intention was to use my own credit card on file with Paypal. Synchrony bank did a hard credit inquiry with XXXX w/o my consent and understanding that in fact I was applying for new credit, instead of using my own credit card on file. Synchrony has written back twice that they are not able to remove the hard inquiry through Paypal. I believe this is extremely deceptive practice for Paypal and Synchrony bank to get consumer to apply for new credit when in fact they have a credit card on file to pay for a small transaction. I have a perfect credit of XXXX and this has caused a drop of XXXX points on my credit bureau. I would like to get this resolved by Synchrony retracting this hard pull and notifying the credit bureaus that in fact I was not applying for new credit but to use what I had in file with Paypal
Product: Mortgage

This is what I wrote the lender. 

I am writing to express my concern regarding the second trip of the appraisal, for which I have been charged. As you are aware, this trip was arranged between you and the seller, and it was never my responsibility to pay for it. 

I am extremely disappointed that I have been charged for something that was entirely out of my control. It does not make sense for me, as the buyer, to be held accountable for an expense that was not incurred as a result of my actions or decisions. 

I would appreciate it if you could review the situation and refund me the amount that I have been charged for the second trip of the appraisal. I understand that mistakes can happen, but I hope that we can resolve this matter in a timely and amicable manner. 

Thank you for your attention to this matter. 

Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter XX/XX/2023 regarding inaccurate and items not known to me on my credit report. To this date I have not a response on the validity of the items. I feel that my dispute is not being taken seriously and I am being taken advantage of. Section 611 ( a ) states that failure to investigate these items in 30 days is a reason to immediately remove the disputed items from my credit report. It has been over 30 days and should be deleted promptly. I demand the items be removed immediately and if not done will consider litigation due emotional distress. I am concerned due the Transunion date breach my information may have fall into the wrong hands.
Product: Credit reporting or other personal consumer reports

I found XXXX inquiries on my credit report I do not know. I have not done business with either- XXXX XXXX or Comenity BankXXXX. I am cocnerned they have my personal information without my authorization and may use it.
Product: Checking or savings account

I stayed at a bed and breakfast for 7 nights. Owing XXXX, XXXX dollars a night. The owner allowed me to stay, with the promise to pay after I was paid on XX/XX/XXXX. She offered me no copies of anything to support her claim. She photocopied my driver 's license and debit card, which is how she made the fraudulent charges. 

She demanded cash, at that point, which I withdrew on XX/XX/XXXX, in two transactions at two different XXXX stores, for the owed money. Then, without written consent, or any sort of notification, she also wiped out my entire checking account. 

Key promised I would have my money back in my account in no less than 48 business hours. I can not reach a supervisor by phone. I can not pay my credit card bill, nor phone bill either this month. Key has done absolutely nothing to get me a replacement card, expeditiously, nor, most concerning credit the fraudulent charge. The owner keeps blowing up my phone and threatening me and demanding for more than she is owed. She has promised to charge my card again for the ficticious amount owed. 

Key has been cavalier with the concerning issue and done absolutely nothing to repair the damages and losses I've incurred, middle of a move and during the XXXX holiday, they have stood by and done absolutely nothing. Key keeps me on hold for 20-30 minutes at a time and no help has been offered, I'm never allowed to speak to a supervisor. They now claim I will be credited in 10 days. There is zero urgency from them regarding the theft of my money. 

Key has a long history with me of not responding to ANY of my cfpb complaints, nor ever offering any sort of follow up, nor especially resolution. I'm sure this one will be no different.
Product: Credit reporting or other personal consumer reports

I have requested XXXX XXXX to send me a copy of a master bill for this alleged debt that is reporting on my credit report. 

A purchase agreement Also, a signature showing I signed for this alleged debt. I have also request for the company a copy of your state license, including license number that give you rights to collect in my state. 

This company has failed to send any of my requested information causing me bad financial hardship on my credit report. 

XXXX/DVRA account XXXX
Product: Money transfer, virtual currency, or money service

Trying to set up my children with a XXXX XXXX card and unable to do so. 

Also, I have an issue with online payments. I pay my mortgage online every month before the XXXX, yet it does not transfer the payment until over a week later. I will be canceling my account with PNC tomorrow because of this practice. You are incurring interest on my loan by your negligence in transferring my funds in a timely manner.
Product: Debt collection

Upon reviewing my credit report, I found multiple accounts that I believe were mistakenly added without my consent.
Product: Vehicle loan or lease

I had a used auto loan with capital one for my XXXX XXXX XXXX. The vehicle was totaled on XX/XX/2017 and I immediately reached out to Capital One to advise them of the loss. I verified with them that I had purchased GAP coverage for my loan. I spent the next FOUR MONTHS going back and forth between Capital One and XXXX XXXX XXXX AKA XXXX regarding my gap claim. Capital One kept telling me that XXXX XXXX XXXX were the problem and that I needed to continue to contact them to get my claim entered and paid. They threatened to report my balance to the credit agencies since I owed approximately 1,200 after the other driver 's insurance paid for my vehicle. I purchased the gap coverage through Capital One when I initiated my loan yet they acted like their 3rd party choice of insurers had nothing to do with them. I FINALLY got XXXX to process my claim but recently discovered that they only paid approximately half of what was due. I still have a 600-something balance on my auto loan and now Capital One is reporting it as past due on my credit report.