23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX, I received a notification that my Credit Karma Save account had been frozen. This account was open for a decent period of time and has been receiving automatic distributions to it from my employer. I got on a chat to see why it was frozen and the agent told me they could not tell me via chat but that it was under investigation and that I could also call. I went on with my day but upon further research I began to see horror stories of credit Karma doing this to others, freezing their account and refusing to justify the reason or release any funds. 

I decided to call XXXX XXXX who is their partner bank and XXXX  would not release any information to me despite my money sitting frozen in one of their accounts. They referred me to credit Karma. 

I called credit Karma on XX/XX/XXXX to see a resolution. The call agent could not help so I requested a manager. Upon talking to the supervisor they refused to transfer me to the investigation department nor would he give me a timeframe in which I would be notified. Some of the stories I read have been waiting months with no resolution. I explain this and he hangs up on me. 

I call back and speak with " XXXX '' whom can not provide any name or ID number to identify themselves. They give the same answer as above but this time will not transfer me to a supervisor stating that they are busy, I say that I will wait so she tries again and then proceeds to tell me that they left for the day. I tell her she is lying to which she apologizes and tries again. Refusual again. This cycle continues with 0 information for multiple other calls. They say they will add a note to my file but can not actually give me proof or provide any ticket numbers or anything. 

Needless to say I have XXXX of dollars now tied up with credit karma and XXXX XXXX  that they will not release nor give a reason as to why they are holding it. I was saving it for a vacation to XXXX in less than 2 weeks and I now can not pay for it. Totally INSANE.
Product: Credit reporting or other personal consumer reports

I contacted Capital One regarding a late payment and asked them for a detailed payment history showing where I was 30 days late. They never sent that information and told me according to their records I was late. 

This information was incorrect, and I have proof that I was never late. 

I want this information corrected on my account as soon as possible so I can restore my perfect pay history. 

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

Their are inquiries, bankruptcies, and closed accounts that should have been removed and never was there was also a breach where my data has been leaked to the dark net
Product: Debt collection

I pulled my credit report and saw that there was a reporting on my collections from CREDENCE RESOURCE MANAGEMENT Account # XXXX I have never done business with them so I disputed it twice over the phone and through a letter. I asked for all documentation proving Ive done business with them. They sent me back a statement. A statement is not proof of will of authority to collect. This company does not have will to collect. I ask that CREDENCE RESOURCE MANAGEMENT removes this debt from all three of my consumer reports ( XXXX, XXXX, and XXXX. As well as send me an updated letter that all debt has been removed.
Product: Debt collection

I informed the company when they called and told them Ive recently lost my job and havent gotten any monies yet. I do have credit protection insurance that I am in process with. The person said it wasnt but only {$52.00}. I again explained I was broke. I have been getting 15-20 calls per day starting at XXXX every two hours or less. This is harassment at best. Its Comemity bank and they are persistent and ruthless
Product: Student loan

XXXX each quarter tried to take away my funds. They reduced my grades, they never paid my balance from XXXX and approved me for XXXX. I never received XXXX degree after completing courses. They said I owed a balance ... have XXXX loans all federal in default. 

I only have letter stating I met the requirements for a degree. This has hurt my employment. 
I feel scammed by this university.. :
Product: Mortgage

On XX/XX/year> XXXX XXXX XXXX XXXX processed a home insurance policy without my permission. The company mailed the uncashed check in the amount of XXXX dollars back to Mr. Cooper mortgage as instructed. Mr. Cooper than verified on my phone call they received the uncashed check on XX/XX/XXXX of 2024. I was told by the Mr. Cooper insurance dept not worry they would credit the payment back to my account within XXXX business days which was Friday XX/XX/XXXX. When i called them today they said THEY REISSUED THE XXXX PAYMENT BACK TO INSURANCE COMPANY I DID NOT WANT INSPITE OF RECIEVING THE CHECK BACK BY THE INSURANCE COMPANY, IN SPITE OF SEEING THE EMAIL I HAD SENT TO MR. COOPER SHOWING THE THE POLICY CANCELLATION! I am a retired veteran who gets XXXX dollars A MONTH IN SOCIAL SECURITY AND I WORK PART TIME. Mr. Cooper now has me escrowed for XXXX INSURANCE COMPANIES! I want them to return my money asap! This is blatant disregard for my requests. You can reach their insurance company phone number at XXXX The check number peoples trust insurance company sent back to Mr. Cooper is XXXX.
Product: Checking or savings account

Multiple accounts have been opened or have tried to be opened in my name. 

List follow as such : XXXX XXXX XXXX XXXX on XXXX the XXXX 2021 ( Checking and Savings ) - XXXX XXXX XXXX XXXX XXXX on XXXX the XXXX 2021 ( Checking and Savings ) - PNC Bank Region 1 on XX/XX/ 2021 - Multiple With XXXX XXXXXXXX XXXX from the XXXX to the XXXX of XX/XX/ 2021 - And More PNC Bank on XX/XX/XXXX and XXXX 2021. 

( From XXXX XXXXXXXX XXXX )
Product: Student loan

I am having issues with my loan servicer " Navient '' according to the federal student loan site I should be able to do the following. 
" Can I pay more than my required monthly payment? 
You can make payments before they are due or pay more than the amount due each month. Paying a little extra each month can reduce the interest you pay and reduce your total cost of your loan over time. If you want to ensure that your loan is paid off faster, tell your loan servicer that the extra you pay is not intended to be put toward future payments. 
However, Navient will not allow me to apply additional moneys paid each month to principle. For example my XXXX statement has a monthly payment of XXXX due XXXX/XXXX/16 which XXXX should be interest the balance XXXX principle. I made a payment on XXXX/XXXX/16 20 days early. My account was credited as follows XXXX interest XXXX principle i have contacted and tried to work with this servicer to be able to pay additional principle. In addition to this issue they recently lowered my payment from XXXX to XXXX this only severs to make the loan longer there by earning more interest.
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. 

Account name : XXXX XXXX  Account XXXX XXXXXXXX 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: Debt collection

Account No : XXXX XXXXAmount in Question : $ XXXXI attempted to see a doctor at Minute Clinic which is within the XXXX XXXX XXXX , close to my home. I was fairly certain that I had XXXX ( XXXX XXXX ) and was scheduled to leave for New York the following day on a work trip. The doctor at XXXX XXXX took down all of my information, including my insurance information, which took approximately 20-30 minutes because she had difficulty getting her system to work correctly. She then proceeded to tell me that she could not see me because XXXX XXXX does not handle any eye related problems. I was unclear as to why she did not tell me that when I 1st arrived and filled out the " reason for visit '' on the " sign in form ''. I would like the {$84.00} removed as I never was treated or seen by a doctor. Furthermore, I am confident that my insurance was charged the {$15.00} ( difference between the {$84.00} and the {$100.00} visit ) and therefore I would like that amount refunded as well. 
It is ridiculous for his company to be able to charge people for treatment which never existed. I have received XXXX notices from Trans world Systems Collection Company dated XX/XX/XXXX & XX/XX/XXXX. I called after the XX/XX/XXXX notice and they indicated a case would be opened. I have not heard back from them ; however I received the additional notice on XX/XX/XXXX. Unless this is taken care of immediately, I am contacting an attorney to start the discovery into how many customers have experienced this same issue.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 
Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 


Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 


Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was reviewing my credit report and discovered that this company has reported that I owe them a debt I have never received any notice from this company and my rights were violated. I have never entered into a contractual agreement with this company nor have they provided me any goods nor services
Product: Debt collection

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. 
all of my right was violated by XXXX, XXXX XXXX XXXX and XXXX.
Product: Credit card

XX/XX/2024, I submitted a complaint of a fraud charge by XXXX of {$2600.00}. This charge was a result of a XXXX email scam that I responded to. 
I contacted Chase when I discovered the {$2600.00} as a " pending '' charge on my Chase Freedom card. I supplied phone numbers and description of the fraudulent activity. 
I had several conversations with Chase providing all requested information : by multiple phone calls, a confirmed Fax on XX/XX/2024, an email ( sent from a local Chase branch ), on XX/XX/2024, and certified mail on XX/XX/2024 
I have since discovered that I have not known what Chase department I was dealing with at any given time - Dispute or Fraud. I thought each phone call and transfers within those calls, that everyone was accessing the same information that I had provided. Apparently, that is an incorrect assumption. 
I finally received a claim ID on XX/XX/2024. 
The charge of {$2600.00} is posted on the current statement and I have heard nothing from Chase regarding the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive faxed and mailed proof of my current address to Equifax and they have refused to update my address. They have placed my current address as my previous address and have current address as my XXXX XXXX XXXX. I dont live at the Post Office. I live at XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX. This incompetence has been ongoing for almost a year
Product: Credit reporting

I 'm tried so hard to bult my credit score by having small credit card paid on time, had a bancruptcy 7 years ago and have car that I 'm paying on time never late on my bills, unfortunately I ca n't get a major credit cards because I guess I 'm XXXX or my location I lived in XXXX XXXX area people like me will get denied constantly. This situation need attention cause I have XXXX friend who bad credit than are able to get credit or a loan ..I do not understand someone need to explain to me why I 'm getting turned down by the credit bureau??
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items that do not belong to me. Please remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you in order to solidify my complaint. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION On XX/XX/XXXX I settled a collection with " XXXX XXXX '' I paid off the account XXXX {$450.00} the agreed upon settled amount. I was told by the rep that it would be a XXXX baIance once I settled the account I have XXXX XXXX so I waited until the following month to see if my status would update. In XXXX It updated to show a lower balance. I begin to dispute with the credit agencies. For XXXX the collection company " XXXX XXXX '' still reported the account with balance. I begin to dispute with the credit agencies-Despite me p. I aroviding proof and requesting the collection account be removed if they can not confirm the settled account, The credit reporting agencies will not remove and continue to report incorrectly. XXXX XXXX   XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX. This is ridiculous. 

I have sent a dispute and copy of receipt to the bueraus and they still show a open a balance
Product: Debt collection

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXXTelephone : XXXXComplaint against : The Advantage GroupXXXX XXXX or XXXX XXXX, NM XXXX spoke to XXXX at the advantage group, she only asked me my address. She acknowledge that the collection company had accessed my file at the reporting agencies. I said, " You do have my correct address, yet you never notified me of your intent to verify this debt ''. I further asked XXXX with the Advantage Group to provide me with complete verification of the debt that they have on me. If I in fact I owed it, I would seek to pay it. XXXX never sent me any verification of the debt that she put on my credit report. Their attorney conveyed to me in his faxed memo, XXXX XXXX XXXX The Advantage Group 's attorney ) wrote about me, " but he was evasive and would not verify his address or his social security number ''. This is a false statement. They had all my information because the advantage group had placed a unverified collection on my credit report without even a five to 30 day notice to comply. 

It is a matter of protocol that if an agency that has access to a person 's credit file, that same agency requesting information has to know the required data to be able to post a collection and or any information on a consumer. 

I explained to the advantage group 's representative ( XXXX XXXX, in accordance with Federal Consumer Credit Protection Act I had a minimum of 5-30 days to respond to a debt collection attempt. She offered to remove that posted item to my credit file based on our conversation. 

This debt collector is seeking payment for an amount not permitted by law or by the contract in the amount of an interest charge also. 

My original contact was with XXXX XXXX XXXX at his examining offices. I paid the full amount of {$470.00} on the day of the visit via my visa card for all services rendered. I was never told that XXXX XXXX XXXX ( the original vendor for the assumed debt ) would be sending me an additional bill, nor did I have an agreement to pay any accrued interest if any bill went unpaid with XXXX XXXX. This is clearly an attempt at usury cost never agreed to. 

My contention : I was never given the right to even question let alone settle this debt. I was never contacted in writing or by telephone about owing this debt. I discovered the debt through credit monitoring not because of the advantage groups attempt to collect a debt. This alone violated my rights. 

The Advantage Group contacted the credit reporting agency and put the debt on my report as owing. This was a direct violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX digital account # XXXX my ex made fraudulent charges on card without my permission I contacted company n advise them of the issue sent police report and all documents that had me to sendal and this matter been going on almost a year and they not trying to resolve this issue I never use the card, amount XXXX costing issues on my credit report. Like this matter to be handled in a timely manner or legal actions have to take place.
Product: Payday loan, title loan, or personal loan

In early 2020 I had fallen behind on my payments on my Chrysler Capital/Santandar Consumer USA loan . I contacted them but was advised by the company that I had, in fact, been covered in a settlement with the Indiana Attorney General amongst others in a Class-Action Lawsuit in Federal Court . As I had stopped getting bills in the mail and was advised I was covered under said lawsuit, I assumed everything was ok. Flash forward to XXXX of 2020 after XXXX, and a few days before XXXX XXXX, and an armed man dressed in what I can only classify as a police impersonator uniform shows up at my house touching an open-carried firearm in a threatening manner and takes my car. I contacted the police, but I was told this was apparently ok for them to do and not even inform local law enforcement as required by Indiana law. Chrysler then proceeded to sell my car without giving me written instructions on where to retrieve it or the amount. Sending me a letter with " call us at '' does not constitute a notice of where to retrieve the vehicle or what is due on it. The only thing with an amount I got was a notice of repossession from Chrysler and the armed tow-truck driver stating an account balance of " {$0.00} '' due on the loan. I tried to get this resolved by calling after this happened, but got tossed around to different people who apparently didn't know anything at Chrysler and could not give me anything in writing. I contacted the Indiana Attorney General, who said they could not take enforcement action on this sort of contract, and Chrysler Capital did " forgive '' the remainder of my loan. They also sent me a payment for the settlement of about {$200.00} per the terms of the settlement. However, the settlement required them to forgive the balance which they and the XXXX stated to me that they did before they turned up in the middle of the night threating me with a XXXX to take my property.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus still report an old account that the first negative markings are far older than 7 years. Per the fair credit reporting act the account, XXXX and all negative reports associated with the XXXX were to be removed by the 7 year mark from the date first reported for the negative remark. Rather than removing the XXXX  as required by law, the bureaus just update remarks on the report.