23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Navient has been applying payments to my incorrectly and when asked this was calculated they are unable to give me an answer. I asked for documentation six months ago in which they failed to provide. I was up on automatic payments in which Navient started to reverse payments causing late payments when I asked Navient about reversals they blamed it on the bank ; however, I managed to the the bank on the phone with Navient and bank said there was no issue in fact if I manually went to the website and paid the exact same way the payment would n't be reversed. Very odd with Navient giving no explanation. Also, it states on Navient website a consigned can be removed after XXXX consecutive on time payments so I met those requirements as well as I have a job and XXXX which are the requirements and they still will not remove the consigner. Also, if you log into your Navient multiple times in one day then they take it upon themselves to lock you out of the account. My loan origination on one loan was XXXX and now that is XXXX. My loan origination on another loan was XXXX and now it 's XXXX. They ca n't tell you how they calculate or continually due adjustments or provide documentation when requested. At this rate, no one will get loans paid off and for cosigner removal they need to honor there website XXXX on time payments, income, and graduation as explain their way of new math.
Product: Debt collection

The credit reporting agency XXXX faced a global security breach, resulting in millions of consumers personal information being exposed. As a result of this, I am a victim of identity theft. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to bring this information forth to a judge in my area, to file suit against your company for reporting this fraudulent account to my XXXX, XXXX, and XXXX credit reports. If you do not immediately remove these inaccurate and incomplete accounts in 1 business day, I will move forward with filing suit against your company and all companies involved, as I have never done business with your organization and should not be responsible for any fraudulent accounts and information placed on my personal credit files as a result of identity theft. Over 60 days ago, I requested full debt validation from your company however I have yet to receive the legal information requested.
Product: Money transfer, virtual currency, or money service

I authorized a money transaction on XXXX XXXX from my checking account with Regions bank to XXXX {$900.00} to a receiver in XXXX . The receiver is XXXX XXXX. Within few minutes, I received an email that the transaction was unsuccessful and therefore the money will be return into my accounts. I waited after a two weeks and the money was still not in my account. I contacted XXXX and they provided me with an authorization number advising the money returned into my accout on XX/XX/20. 
I contacted my bank, including the local branch as well as a letter from my attorney but the bank has refused to respond. 

Regions mailing address : XXXX XXXX, XXXX, AL. XXXX. 

Sendwave mailing address : XXXX XXXX XXXX, XXXX XXXX, XXXX, MA. XXXX.
Product: Money transfer, virtual currency, or money service

Square 's Cash App has an option to provide a XXXXebit Card. I had ordered one, but never really used it. Since ordering, I had moved. I got a notification that they were going to re-issue a new card, but did nothing to verify that the address was still the correct one that they would send the card - other Financial Institutions do this as a security measure to make sure that a payment card is delivered to the actual owner. 

Since I never used the card, I contacted customer service to address my worry of the card being delivered to a wrong address and asked that they simply close the card and they were unable to do so. Customer Service should be able to close a card on their end.
Product: Consumer Loan

I returned a vehicle at the end of a lease agreement. The finance company is now claiming excessive wear of all XXXX tires, and they are now billing me for the cost of XXXX new tires. I dispute the objectiveness of their appraiser and the accuracy of the measurements. The tires were within reasonable wear, and I do n't owe them the cost of replacing the tires.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND XXXX XXXX ARE STILL SHOWING ALL MY DEPT. OF EDUCATION/XXXX LOANS AS OPEN WITH BALANCES WHEN THEY WERE ALL APPROVED BY THE DEPT. OF EDUCATION ON XX/XX/2021 TO BE 100 % DISCHARGE.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. The status is incorrect for the following account XXXX XXXX XXXXXXXX Account Number : XXXX Under XXXX XXXX XXXX this is a billing Error always paid as agreed on time this is an error this account in Violation.

2. The following account is not mine XXXXXXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
3. The following account is not mine XXXXXXXX XXXX XXXX Account Number : XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

4. The following account is not mine XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

5. The following account is not mine XXXX  XXXX Account Number : XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

6. The following account is not mine XXXX  XXXX Account Number : XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

7. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 
8. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting.

9. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting.

10. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 
11. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 
12. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 
13. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 
14. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 
15. The following accounts were closed by me and should state that XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting.
Product: Debt collection

I am writing to formally notify you that I have identified a violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681n. On XX/XX/XXXX, inaccurate information was furnished on my consumer report, " failed to provide VERIFICATION of debt. As a result of this willful noncompliance, I have experienced defamation and emotional distress. The following accounts are as follow : LVNV FUNDING LLC Account Number : XXXX Please remove it from my credit report. 

LVNV FUNDING LLC Account Number : XXXX Please remove it from my credit report. 


I want to be explicitly clear with my request. I am not requesting VERIFICATION of debt ; but instead, I am requesting validation of the debt. 
Under 15 U.S.C. 1681n, any person or entity that willfully fails to comply with any requirement under the FCRA is liable to the affected individual for : 1. Any actual damages sustained by the individual as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 2. Punitive damages as the court may allow ; and 3. The costs of the action, together with reasonable attorney 's fees as determined by the court.

In light of the above, I request that you immediately take corrective action to rectify this violation, including but not limited to [ specific remedies you are seeking, e.g., '' correcting the inaccurate information, '' " providing the necessary disclosures, '' etc. ]. Failure to address this matter promptly may result in my taking legal action to enforce my rights under the FCRA.

If you are unable to provide me with said requirements within the generously allotted time period of 30 days, by federal law you are required to remove the accounts from my consumer report without prejudice. Also, according to FCRA laws while investigating this matter you must remove above mentioned account from my credit report while under investigation. 

Warm Regards, XXXX XXXX XXXX Without prejudice, all natural inalienable rights reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries are not related to any transactions made my me. I have never applied for these accounts. Please remove them as soon as possible because all of them are fraud.
Product: Credit card or prepaid card

On XX/XX/XXXX, I learned that the company XXXX XXXX XXXX XXXX is no longer operating. 

On XX/XX/XXXX, I mailed by certified mail a dispute for the amount of {$4500.00} against a purchase I made on XX/XX/XXXX, with XXXX XXXX XXXX XXXX. 

The dispute was delivered on XX/XX/XXXX, and I received the return receipt on XX/XX/XXXX. I phoned Capital One on XX/XX/XXXX, at which time I was informed by a representative that they had received the dispute on XX/XX/XXXX, but had taken no action. 

Background : I purchased a {$21000.00} elite training program with XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

Services purchased : *Premier  1-on-1 coaching ( 13 weeks/or sessions ) *Assigned Senior portfolio advisor ( lifetime access ) *Diamond reserved inventory ( lifetime access ) *Lifetime membership and access to XXXX XXXX XXXX XXXX *Access to client success advocates ( lifetime access ) *Access to Reserved Inventory ( lifetime access ) *Access to inventory List ( lifetime access ) Services received : 5 premier 1-on-1 coaching sessions Services not received : *Premier 1-on-1 coaching ( 8 weeks/or sessions ) *Assigned Senior portfolio advisor ( lifetime access ) *Diamond reserved inventory ( lifetime access ) *Lifetime membership and access to XXXX XXXX XXXX XXXX *Access to client success advocates ( lifetime access ) *Access to Reserved Inventory ( lifetime access ) *Access to inventory List ( lifetime access ) I requested that Capital One investigate and credit me back the amount paid for services not received.

I have yet to hear from Capital One regarding this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I was informed that my account can not be overdrafted, but it was many times and I just paid it but the last time was an outrageous amount it was over {$200.00} it was for a payment that was deducted out of my account through deposit information, but the company never received the money theyre claiming I still owe it and now the bank is saying I owe that amount of money and all the extra for overdraft fees, I let the account close and be charged off, cause Im not paying for that when I shouldve never been able to overdraft to begin with. The entire transaction shouldve been stopped.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my Credit report and I noticed some late payments on my credit report : XXXX XXXX - Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX XXXX  Account number : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Your company is is clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, The LAW clearly states : ( a ) 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 to 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 late payments from my consumer report, this agency is in violation of 15 USC 1681.
Product: Checking or savings account

I found my Marcus by Goldman Sachs account was locked on XX/XX/year>. I called Customer Service immediately and was told they would contact me in XXXX hours. I had never received the call. 
I called back after XXXX houses and was told it would take XXXX to XXXX days to resolve. 
I called back on XX/XX/year>, and they told me I needed to change my cell phone caller ID because, due to the family plan, it did not show my name instead of my wife 's name. They also told me I needed to do an Affidavit of Identity by mail. They could not email me a copy. 
On XX/XX/year>, I finally received the Affidavit of Identity. I filled it out and had it notarized as required. Mailed it back on XX/XX/year>. 
At this point, XX/XX/year>, the account is still locked. I did everything they asked me to do, and I still do not know when I will have access to my account and my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be removed. 

XXXX. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft WELLS FARGO Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft WELLS FARGO Account XXXX : XXXX This is not mine.
Product: Payday loan, title loan, or personal loan

Applied for Care Credit, which was issued through Synchrony bank. Last month, out of the blue, they charged me {$1100.00} in early interest fee. I was told that I did not pay off the loan within six months so they charged an extra {$1100.00}. this is on top of the regular monthly interest charge that I am paying. No where when I applied for the loan was I told that I would have to pay an EXTRA {$1100.00} in six months. I never would have taken the loan from them. They are a rip off and claim that they were putting this on the statements. I was NEVER EVER TOLD THIS Initially, if so, I WOULD HAVE NEVER AGREED TO THAT. Why must I pay {$1100.00} in interest after 6 months on a {$7500.00} loan and PLUS pay regular interest charge every month. 

MY ACCOUNT NUMBER WITH THEM IS : XXXX XXXX XXXX XXXX
Product: Debt collection

Mariner Finance ( acct # XXXX ) sold my debt to XXXX XXXX XXXX ( Acct # XXXX ) and is double/ still reporting on my credit bureaus. I would like this removed.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, I sent a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Evergreen Services and can confirm that they received the document ( attached to this complaint ). On XX/XX/2022, Evergreen Services debited {$190.00} from my bank account. I never authorized this transaction or rescinded the XXXX XXXX XXXX to XXXX XXXX Funds Transactions.
Product: Credit card

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Product: Mortgage

I had been paying this company for more than a year and they haven't reported mi payments to the credit bureau I keep asking them and asking them to do it and they keep saying they will do it tomorrow next week two more weeks or I will take 60 days more this people is not complying with their obligation I need your help this people had keeping me like this for more than a year and I haven't been Abel to get a proper answer im looking to refinance mi mortgage for a better rate and look like they don't want to leave mi loan go
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for a mortgage and found out I have a unauthorized extended fraud alert on my Experian credit file I received no notification of this. I also did not authorize this and I am unable to get thru to a live representative automated system wants me to send several documents thru mail
Product: Debt collection

I pay the. Mortgage the last week of the month. This company starts calling everyday all day after the XXXX. They have no respect for my work when I tell them I'm with a client. I have to hang up on them. I have never missed a monthly payment in the month. Now it's 25 days in I get a letter I'm delinquent and they added additional fees outside of the {$50.00} late fee.rhis This is a strong arm tactic. You can even report until you are over 39 days late. Is this legal when a late fee was established. This is occurring because I don't answer calls. Ic they can just add crazy fees how are individuals protected
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone open an account at XXXX XXXX in XXXX GA in XXXX of XXXX. I did not know of this until they sent me a past due letter in the mail. When I called them they said they sent me a check in the mail and I cases it in Virginia. I never received any check for $ XXXX. They also started I would have to come in and sign doc, then I talked to XXXX and he said once approved they send you a check. I keep informing them I have nothing to do with this account. Also now they are trying to come after me for about {$300.00}. I have nothing to do with this account and want them to remove it from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 and then again on XX/XX/2020 SAFERENT SOLUTIONS LLC made hard inquiries on my credit on behalf of XXXX XXXX. They were not authorized to pull my credit multiple times.
Product: Checking or savings account

I received an offer from the XXXX XXXX division of Bank of America on XX/XX/19 which had the following for the offer terms : Fund your account with at least $ XXXXXX within 45 days of the date of this letter and maintain a qualifying balance of at least that amount or greater for 12 months from the date of the deposit. We will deposit your cash reward of $ XXXXXX within two weeks of that date. 

When I checked with my contact at XXXX XXXX on the status of my cash bonus, I was told I was to get the cash bonus in 1 year, not 2 weeks. This offer was very misleading. It should have been checked by compliance. The end of the first bullet should have been clearer with something such as We will deposit your cash reward of XXXXXX within two weeks of the 1-year anniversary of the account opening date. I agreed verbally to maintaining the required balance in the accounts for 1 year+ to earn the bonus which is different than agreeing to get the bonus in 1 year. 

XXXX XXXX had XXXXXX investigate my issue. He said there is nothing they can do about the cash bonus and gave no explanation for the wording of the offer. He said if there was something wrong with the wording, maybe compliance would change it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I became a victim of identity theft. Someone attempted to file a claim for unemployment. I was notified by my employer that this happened. I was provided information to take the necessary steps to protect my personal information by placing fraud alerts on all 3 of my credit reports. 2 of the alerts expired in XXXX of XXXX and one expires in XX/XX/XXXX. 
Over the course of the last year, there have been multiple inquiries on my credit report. I have been only contacted once to confirm that it was in fact me applying for credit or financing. That call to me was made in XXXX of XXXX by XXXX XXXX XXXX XXXX when I purchased a new vehicle. Other than that none of the credit bureaus have contacted me. I called XXXX this morning because I received an email from XXXX of my creditors that XXXX mistakenly check my credit for a XXXX which caused a hard inquiry on my credit report. It was removed once it was discovered. I then went to look at my credit reports to make sure that there were no other mistakes showing up. There are a number of inquiries on my credit report. My credit report is supposed to be frozen and there is a fraud alert that is valid until XX/XX/XXXX. I called XXXX and the Rep that I spoke to could not explain why anyone was given access to my credit report without confirming that it was in fact me and how anyone was getting access to my report when it is frozen. The Rep agreed that someone should be calling me to confirm my identity but could not explain why that never happened. She then advised that I had to submit a dispute in writing to have it investigated. I can not understand how XXXX and the other bureaus see an alert and/or freeze and continue to not honor it and why I have to take these steps when access should have never been given without my consent, to begin with. XXXX also checked my credit without my permission and removed the inquiry but I was told that can not be done in this situation. It is unacceptable. The freeze and the alerts are supposed to protect me and stop people from accessing my personal information.
Product: Credit card

I reported XXXX fraudulent charges on my Banana Republic credit card which is through GE Capital Bank on or about XX/XX/XXXX in the amount of {$320.00} spanning XX/XX/XXXX to XX/XX/XXXX. As of XX/XX/XXXX, the charges had not been removed form my account so I called and was told to wait as they would be removed by next billing cycle. As of today, XX/XX/XXXX, the charges have still not been removed and I have been charged late fees in the amount of {$50.00}. Upon calling again, I am told that only a portion of the fraud has been investigated and it is 'approved ' but still not credited back. Approximately another {$90.00} has no status.