23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Aside from receiving different and erroneous information during every call with their customer service, I received a written interest capitalization notice on XX/XX/2019, specifically notifying me I needed to pay {$3600.00} of interest within 21 days of the notice ( XX/XX/2019 ) or this amount would be capitalized ( added to my principal balance ) on XX/XX/2019. I immediately called FedLoan Servicing and asked why this was even happening as they set my payments based on an income contingent repayment plan as part of PSLF program. No one could answer my question other than this was how much outstanding interest was on my account. I was never warned this could or would happen. But, I digress. 
I bit the bullet and paid the full amount on XX/XX/2019. There was no way I was going to let them capitalize an amount larger than what I had paid off over the last 2 years! The payment posted to my account on XX/XX/2019. However, XX/XX/2019, {$260.00} of interest was capitalized. I saw this shortly thereafter when checking my online balance and called immediately. First person I spoke to didn't understand anything so I was forwarded to a " supervisor. '' My question was simple. Why did ANY interest get capitalized if I paid the EXACT amount that was stated on the notice and well in advance of the due date? After much back and forth, she agreed with me that it was an error and said that the capitalization would be reversed. 
Fast forward to today ( XX/XX/2019 ), I was reviewing my online account again and noticed the interest capitalization was never reversed. In fact, since XXXX it has been considered part of my principal balance and has accrued additional interest! I called again ( this is not to mention multiple other calls to them in the interim about other issues - in which every time I got a different answer and most often the incorrect answer ). After a 30 minute call, the young lady told me she would request a review of my issue. Request a review? I have already been told the {$260.00} interest capitalization would be reversed and now I need all erroneous interest charges on that {$260.00} to be reversed too. She said she could just submit it for review and " I could call back and follow up. '' What kind of service is this?! It's a scam! First, they most likely thought I wouldn't catch the capitalization. Second, after telling me it would be reversed on a RECORDED phone call, it was not. Rather, it's compounded additional interest on my account. And now, I need to follow up in the next 7-20 business days to see what happens??? I have a FULL TIME job and can't afford to be calling and waiting on hold for some incompetent person to tell me something incorrect. And this is not the first or only issue I've had with these people. I don't have time to elaborate on all the other horrible practices in which they engage. The whole company is a scam and needs to be investigated or simply shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been without a job since XXXX of 2021. I have tried to make arrangements with Avant so they would stop adding late fees to my account. When I made a payment arrangement, I was told they would stop accruing, however, I have over {$500.00} in late fees on my account now. I have called several times to see about having the fees removed so I could start paying down the card but no one will help. I have made two payments recently and they did not report my payments to the credit bureau as yet.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been breaking the law by unlawfully defaming my credit report by constantly using it to show late payment, and that the account is open on one agency then closed on another! 15 usc 16816 permissible purpose. 15 usc 1681 ( s ) -2 compliance
Product: Payday loan, title loan, or personal loan

I got a zip ( Quadpay ) account about a year and a half ago. Recently someone fraudulently got my information was able to get into my Zip account and fraudulently placed 3 orders and fraudulently used my card information stored in my account and paid off 3 existing payments on orders that I had that the payments weren't due yet. They also changed the phone number in my account and i was and still is unable to get into my own account. I called Zip numerous times and emailed them telling them what happened and to please close my account because for ( 1 ) a scammer has access to it and has made fraudulent orders without my permission and ( 2 ) because i no longer has access to it and even though i don't want to use it at this time, I can't. They never closed my account, never helped me gain access to my own account, and they never cancelled the unauthorized orders or purchases. They only told me about 2 weeks ago that a fraud specialist will get in touch with me within 2 to 3 days. Meanwhile, they are still trying to collect payments on the fraudulent orders that of course ( because a scammer placed them ) never got paid. The fraud specialist has only contacted me ONCE in a 2 week period and asked a very vague question that i was unclear of, and I have yet heard back from them or got clarification on that question. It is now about 3 weeks into when this incident first happened and still no resolution. I have filed a police report, done everything i was supposed to do to rectify this situation and Zip still hasn't done anything. 

XXXX, the escaltions rep, emailed me saying they refunded the money back to me. I emailed him right back letting him know that he refunded the money to the SCAMMER 'S CARD. Him or anyone else from this company has reached back out to me to resolve this error. I even called for a supervisor and the rep stated the supervisor would give me a call back, 3 days later, no call back. This is ridiculous the type of service and type of issues i am having with this company all because i was a VICTIM of identity theft. I NEED A SUPERVISOR LEAD, THE HIGHEST FORM OF CONTACT FOR THIS COMPANY TO GIVE ME A CALL AT XXXX. Not only did i not get the " REFUND '' but is has been given back to the SCAMMER along with the fraudulent orders that were placed! They had ample amount of time to cancel those orders when i first emailed and called them on the DAY it was initiated that I did not place those orders and someone else had access to my account. Like i stated before, if this issue is not resolved appropriately i will be taking legal action against ZIP. I have recordings, proof of email and calls, everything that I need documenting when, how, and what. Try me
Product: Credit reporting, credit repair services, or other personal consumer reports

This report is for the credit bureau Equifax which recently revealed that it mishandled my credit information and that of XXXX others by exposing themselves to a large scale security breach. Although not proven conclusively, there are major indications that there were major lapses in Equifax 's security coverage and these were not addressed in a timely manner. 

Additionally, Equifax has not provided any sort of remedial credit/identity protection service and is instead still charging {$19.00} for their credit protection service. This is entirely unacceptable in light of the cybersecurity breach. 

I am also listed as a potential victim according to their XXXX website, and would like a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Federal law, Child Support is no longer allowed to report on a consumer credit report because it did not arise from a consumer credit transaction. My previous attempts to contact the credit reporting agencies, XXXX and Experian, have gone unanswered. These reporting violations are causing my family and I financial difficulties.
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. The last letter I sent to the XXXX credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be validated and updated 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 XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I was shocked to find inaccurate accounts on my credit report this morning, and I have no idea how they got there. I check my report regularly, but this time, out of nowhere, there were errors. I even tried refreshing my browser, thinking it might be a glitch, but nothing changed. The accounts remained wrong. Im really frustrated and want the documents Ive sent to be thoroughly reviewed so I can stop worrying about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : 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

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( XXXX ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Product: Credit reporting or other personal consumer reports

This notice addresses disputed late payments on my credit record that remain unresolved despite my written dispute submitted XXXX days ago. Your failure to respond or validate within the mandated timeframe violates federal credit reporting laws.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 1.XXXX XXXX XXXX  / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit union regarding multiple overdraft 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 balance despite initially available funds. I believe these practices are unfair and request an investigation into my account and transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$360.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$690.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$3600.00} ; CHILD XXXX ENF AG/N XXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXX Balance Owed : {$810.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are being disputed due to identity theft and for that reason I'll like for the credit reporting agencies to remove these unauthorized accounts immediately. 

Please remove. 

1 ) XXXX XXXX XXXX {$150.00} 2 ) XXXX XXXX {$550.00}
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried resolving this matter with the debt collector after learning of this debt after obtaining my credit report. For months I have been going back and forth. I originally  sent 2 le tters to  XXXX   XXXX  asking them to validate this account listed on my credit report. I asked them to provide me with documentation bearing my signature or a contract that shows what I agreed to or what terms and conditions I signed up for. I am not even sure if the statutue of limi tations has expired on this account, if in fact it belongs to me however, with no contract I have no way to be certain. Under FCRA 609 I requested this information and it was not provided. However, the company did provide me with a small printout of one statement that does't look authentic in my opinion. This account is mere hearsay. After no resolution was made between myself and the collection company I reached out to the credit bureaus I was told this account was verified and met FCRA requirements. I asked the CB to provide me with the documentation and or information that was used to validate this debt to date no information has been provided to me. Instead I received a letter stating my claim could not be invesigated because the address listed on my letter did not match my credit file which is a lie I have attached a prinout of my credit report reflecting the address is listed. I will not send any personal financial documentation to a 3rd party compan y as I legally do not have to. I provided my social security number. Also after another search this debt collector is not licensed to collect in my state.
Product: Debt collection

I and several members of my family have been continually harassed by FRS and XXXX in particular. They have called my parents and left messages multiple times. As well as refusing to stop contacting them when I requested they stop contacting others regarding my information. They have been calling ( according to my call logs on my cellphone ) for over a month, numerous times. When requesting the company not call my parents, I was told to go ahead and call the police department on 3 way then they hung up on me. They have been calling from several numbers. When I request to speak after my work hours, they won't be there.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax or XXXX ) consumer report, and I noticed some unauthorized inquires. 
YOUR COMPANY IS IN CLEAR VIOLATION OF THE LAW. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report CLEARLY STATES : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; DELETE THE ABOVE FROM MY CONSUMER REPORT, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account ( s ), and sending out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n
Product: Credit reporting, credit repair services, or other personal consumer reports

I Was looking at my credit report with Experian they have listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX these collections are inaccurately listed on my credit report. Validation of the collections was never submitted to me as per new law dated XX/XX/2021 where as the collection agency give me the consumer the opportunity to value to validate the debt.
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, DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX- # XXXX, XXXXXXXX XXXX XXXX- # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX XXXX XXXXXXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX 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 or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you