23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, i was on XXXX XXXX  and i found someone selling XXXX XXXX concert tickets for XXXX $ each. I was able to negotiate it down to XXXX $ each and exchanged numbers with the individual, they called me over the phone from the following number : XXXX and told me theyd send me one ticket via XXXX XXXX, and i could send them XXXX $ and then theyd send me the second ticket via XXXX XXXX and i could send the other half of the money. the individual sent me both tickets and transferred them via XXXX XXXX. i then received a XXXX  request for XXXX XXXX which i immediately paid for. the very following morning, i realized the tickets i was sent were fakes, and the person that sold me the tickets, sold the same tickets to other people. i created another username on XXXX XXXX to contact the potential scammer and to inquire if they still had available tickets for the concert and they agreed they did have, and sent me the same tickets they sent me yesterday which i already confirmed were fakes, i immediately contacted my bank, JP morgan chase to file a charge back and dispute. My dispute number is XXXX but i was informed by the chase rep that it was likely i was not going to get my money back because there is no purchase protection on XXXX. this is very unfair as i did the responsible thing and i contacted my bank institution immediately!!!! I need and want my XXXX $ back!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, a collection from XXXX XXXX showed up on my consumer credit report. I let equifax know, and I was told it was removed, but have had no confirmation. 
Per HIPAA, the FCRA and the privacy act of 1974, as a federally protected consumer, This violates my right to privacy. This has led to a great deal of emotional and financial stress in my life. I have attempted to contact equifax on numerous occasions, and have had no success. I want this situation resolved immediately. I have waited to long, and have suffered a great deal of stress already.
Product: Debt collection

I have sent XXXX different letters requesting validation, proof that they sent me a Dunning Letter ( which I did n't receive ) and a thorough breakdown of their protocols to remain HIPAA compliant. I 've received nothing. Any money I could have owed should have been paid by my insurance.
Product: Checking or savings account

Navy federal's customer service XXXX!!!! They stole my money 2 years ago when I disputed a credit card transaction for a purchase I NEVER made. Now my automatic transfers aren't being made either. I've complained REPEATEDLY on XXXX and XXXX but my complaints are REPEATEDLY IGNORED. This is completely unacceptable customer service and these idiots have no right being responsible for other people's money. They are nothing but scammers and thieves and despite being a member for over 20 years, they are still scamming me, stealing my money, and IGNORING me. XXXX   NFCU?????
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to get in contact with experian over the phone. I am requesting a temporary unfreeze of my credit, and their phone lines are inoperable, preventing me from speaking to a representative. Instead, I have a robot response that forces me down specific pathways, all of which prevent me from speaking to a human being. I have attempted to do the online portion of the unfreeze, and am met by an error that tells me to contact them, with a given phone number.
Product: Debt collection

I checked my credit report for accuracy and noticed an account for CAINE & WEINER COMPANY in the amount of {$100.00} for XXXX. This account is inaccurate and never sent me validation, verification or notice to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY INFORMATION WAS USED FRAUDULENTLY TO OPEN FRAUDULENT CREDIT CARD ACCOUNTS IN MY NAME THEY DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian XXXX. On XX/XX/2020, I mailed XXXX XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Student loan

I had submitted a previous complaint just last week regarding Navient Private Student Loan. I had complained about an employee who was rude and would n't help us with our situation to extend the Rate Reduction Program. 
I received a call back a few days later from another gentleman ( XXXX ) who said that he was going to request the extension and would call me back on Monday XXXX XXXX. I asked for his name and contact information, but he would only give me his first name. I contacted Navient today, Tuesday XXXX XXXX because I did not receive a call back from XXXX who said he would call me back. I was told that they denied my Rate Reduction. 
XXXX called me back after my complaint last week and he did not go over anything with me regarding our financial situation. I felt rushed off the phone and gaffed off so basically he did nothing for us and was a huge waste of time. I spoke to a supervisor named XXXX XXXX who gave me his employee ID unlike XXXX who did not. I asked if I could be transferred to the department where XXXX worked. He stated that they could n't transfer calls to that department. Well I could only imagine why since I 'm sure they have numerous complaints from the public. Where is the accountability at Navient? 
Currently our balance is {$48000.00} and our interest rate is a ridiculous 9.75 percent. We will never pay this loan off in our lifetime. When Navient went over our budget, I could n't include all of our expenses because they do n't allow pet food or vehicle registration, car maintenance or anything other then bare essentials. This is a nightmare for my family. Our payment was {$230.00} on the Rate Reduction Plan which had been increased from the year prior. We were under the impression that they would continue to increase the payment slowly until we could afford the regular payment plan, but instead they want us to pay over {$400.00} in payments each month with a high interest rate. We are decent hardworking people and all we are asking for is help. We have paid our payments faithfully each month. This is cruel to treat people this way. I only see these large corporations as XXXX, greedy and with a lack of compassion. We feel like slaves who are trapped in debt!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Follow-up Complaint Failure to Correct Inaccurate Reporting and Verification Issues Dear CFPB Representative, I am writing to aggressively follow up on my initial complaint regarding inaccurate and conflicting reporting on my credit report by Equifax, XXXX, XXXX. The account in question has been improperly verified, and no corrective actions have been taken to align with the Fair Credit Reporting Act ( FCRA ) 611, even after my formal dispute. This lack of resolution is unacceptable.

Despite my previous complaint, the following inaccuracies remain : XXXX XXXX XXXX XXXX XXXX 1. Charged-off account still reporting a balance Violates proper reporting guidelines as charged-off accounts should not carry balances.

2. Multiple Date Opened entries Three conflicting dates are listed, contributing to erroneous reporting.

3. Past Due Amount listed on a charged-off account An inaccurate status that misleads the creditworthiness of the account.

4. Inconsistent dates for key account events : Date Last Reported Comments Section Date of Last Payment Date Last Active Date Opened Account Type This mishandling of data reflects non-compliance with the FCRAs requirements for accurate and fair reporting. The continued presence of such discrepancies on my credit file directly harms my credit profile and financial opportunities.

I demand that the CFPB take swift action to investigate this matter thoroughly and ensure that [ Equifax, XXXX, XXXX ] corrects the reporting immediately. Additionally, I request that all inaccurate data related to this account be promptly removed or corrected to reflect the correct information. 

Should this matter remain unresolved, I will explore all available legal avenues, including filing additional complaints with federal and state agencies or pursuing legal action, to ensure that my consumer rights are protected. 

Please treat this letter as a formal and urgent request for action. I expect a written response within 15 days confirming the specific steps taken to resolve this issue. 

Thank you for your immediate attention to this matter. 

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

On the date of XX/XX/2022 I had a background check screening done by FIRST ADVANTAGE with some inaccurate information. I looked at my report it shows that I didn't have an active license in the State of XXXX So, I explained to multiple representatives that I moved from XXXX to XXXX also that I surrendered my XXXX license to the DMV in XXXX Their responds were the information they have received was from the DMV in XXXXXXXX XXXX  says everything is updated on their in. They say it takes 30 days for a dispute then I asked for it to be expedited, then they tell me they don't give time frames out when its expedited. I provided them with all the proof, ask for a supervisor to call me never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX! I sent in letters to the following 3 credit bureau regarding my credit cause I was curious to where did they get the following information regarding a Bankruptcy that was places on the credit. I got a letter for all 3 credit bureau : XXXX, Equifax, and XXXX  stating in a mail letter that the information was verified with XXXX XXXX. I reached out to XXXX seeing how was they able to verified a bankruptcy that's on my personal credit. A Rep name XXXX reference no. XXXX on XX/XX/XXXX stated that the information is inaccurate that XXXX never verified any information with any of the credit bureau. I was send a letter from XXXX stating the same information on the phone conversation with the Rep. XXXX. XXXX removed the following information from system.I have a letter that proof my conversation. I later contact the United States Bankruptcy XXXX XXXX XXXX XXXX XXXX IL. to asked if their company reports to the XXXX credit bureau about my credit and they stated that they do not verify any information of the source. I was send out a letter on XX/XX/XXXX from Bankruptcy court supporting the conversation.A credit freeze was place on my credit from me in XXXXso can completed a reinvestigation with all 3 Credit Bureau regarding the inaccurate information of the Bankrupyvy reporting on my credit to get the same letter from XXXX, Equifax, and XXXX stating that they verified the information again with all three credit bureau XXXX, XXXX  and Equifax reporting false and inaccurate information on my credit report and due that issue they has violated my rights according to the Freedom Foundation, a V Seiu Health NorthWest Training Partnership, a 501 ( c ) ( 3 ) Trade Secret Misappropriation Privacy Act of 1974 Violations 5 USC 552a Violations 31 USC 371 1 ( e ) Violations Public Records Act Violation Commercial Purpose Declaration 42.56.070 ( 8 )
Product: Debt collection

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Product: Debt collection

I hired an attorney to help me validate an allegedly unpaid debt with LVNV/ Resurgent. My attorney has sent requests in writing ; as well as confirming receipt of the request via phone notifying LVNV/ Resurgent that I have hired them, and they refuses to release the validation of debt to my attorney. They state that my attorney is listed as only a debt settlement agency and that they can not send my attorney any information and can only send it to me. I would like LVNV/ Resurgent to only send it to my attorneys office. Please find a XXXX XXXX My attorney faxed in a Power of Attorney to their office stating that they represent me and to release and furnish any information to their office along with a request for validation of the debt. 
XXXX My attorney spoke to a representative who refused to send out the information to our offices because she said that we only represent them as a " debt settlement agency ''. After that my attorney was transferred to a supervisor XXXX XXXX employee ID XXXX who also refused to send my attorney information regarding the validation of the debt. My attorney explained that they were a law firm that is representing me and they still refused to send my attorney the validation of the debt.
Product: Debt collection

Hello, As a resident of California, I would like to point out the unlawful attempts in which your agency has repeatedly perpetuated while attempting to collect a debt that I owe no responsibility to. 

1 ) According to the Disclosure for California consumers, you all are not permitted to use false or misleading statements. Below you all stated as of XX/XX/year>, that National Credit Systems , Inc. has been authorized by its client, XXXXXXXX XXXX XXXX XXXX XXXX, to extend a special offering to resolve the above referenced account at a fraction of the balance owed. This statement is false and misleading due to XXXX XXXX at XXXX not being an operating entity and has not been for over four years. XXXX XXXX at XXXX was never a stand alone entity and was operated under a parent corporation that handled all affairs. If you all can not produce evidence of an active relationship and business agreement with the appropriate and operating party, I will consider your attempts as fraudulent and misleading. I as a consumer should not be misled or coerced into a decision concerning a debt based on statements not true from the collection agency. 

2 ) If you all are in contact with any associated party of XXXX XXXX at XXXX, please reach out to them directly for more information and proof of the debt allegedly owed. In the past, I have requested the documentation you all received from XXXX XXXX at XXXX and was told you all had no way of obtaining such as they are no longer in operation and no documentation could be produced other than one PDF with an incorrect/incomplete social security number as the identify factor that this debt belonged to me. 

3 ) It is unlawful to use tactics such as the attempt below to collect a debt and deny the consumer of evidence to support your collection activities. It is unlawful to continue attempting to collect a debt after the consumer has verified the identifying information you all received is incorrect and not a valid form of documentation to enforce debt collection. 

I will be submitting a complaint and investigation request to the Federal Trade Commission.
Product: Credit reporting

I contacted the credit agency TransUnion. They tell me that in order to get the false inquiry on my credit report removed, I need to send an authorization letter and an inquiry deletion letter. I contacted the XXXX Bank to try and obtain an inquiry deletion letter and they told me to contact the credit agency. So I kept calling back and forth with no result or progress. XXXX companies gave me a lot of numbers that could n't help me at all, so I 'm trying to find out how I resolve this unauthorized hard inquiry on my credit report.
Product: Checking or savings account

On XXXX XXXX, XXXX, {$1400.00} was fraudulently taken from my checking account by way of my debit card information. I reported the fraudulent charge to Ally Bank on XX/XX/XXXX. I was told that two charges were attempted between the XXXX - XXXX of XXXX with the 2nd being successful. I received no notification to alert me of this money moving out of my account. 

I have received zero written correspondence from Ally Bank. Though, I was told thered be a resolution within 10 business days. Just this morning ( XX/XX/XXXX ), I was told by phone ( as we were calling often to find updates ), that Ally was not providing a provisional credit and had reached a preliminary decision to NOT refund our money. 

The charge is suspiciously identified as a XXXX charge, but we have identified this charge is in no way related to our XXXX account ( as there are payments listed on our Ally account as such and these are very different ; also, this is an absurd amount to be sent by way of XXXX ). XXXX is also connected to our checking account. Ally Bank told us that the fraudulent charge occurred by way of my debit card information. We are desperate to get our money back and the reasonable amount of time for this to be resolved has since passed. On XX/XX/XXXX, we had already reported the charge, canceled my card and unfortunately, have been unable to recoup any of the {$1400.00} that was stolen.
Product: Mortgage

I have been making automatic direct payments to America 's Servicing Company for over eight years and recently discovered they 're not reporting my payments to the credit bureaus.
Product: Debt collection

I disputed the debt with the credit bureau wanting to have the debt verified but all I received was typed up letters. I have no contract with Account Resolution Services
Product: Credit card or prepaid card

On XX/XX/21 I received an email from XXXX XXXX and a phone call from Discover Card stating that someone had submitted an application to open a credit card in my name. I would have had no reason to apply for a new credit card, so it was determined that someone else fraudulently submitted an application for a Discover Card. I do not have a Discover Card and have no interest in getting one at this time.
Product: Student loan

My name is XXXX XXXX. I was a student of XXXX XXXX XX/XX/XXXX ,XX/XX/XXXX - XX/XX/XXXX. Under the Federal Lawsuit against XXXX XXXX XXXX., XXXX and its subsidiaries schools were closed due to illegal practices with federal funding. during my tenure, i took out student loans federal and private to assist me with my education. I was not fully aware I had taken private loans out, due to the severity of enrollment and pressure to attend classes to graduate. Fast forward, after the school closure I was contacted by National Recovery Solutions XXXX XXXX XXXX who stated they were collecting on my loans and I was delinquent and had to make a payment or else ... .I stated I have in my possession n, a notice from the Attorney General stating the lawsuit and my private loans were cancelled. But in their interest, they stated that it was not valid and I had to make a payment. I made payments as follows - XX/XX/XXXX {$30.00} - XX/XX/XXXX {$200.00} - XX/XX/XXXX through XX/XX/XXXX - {$100.00} a month, and XX/XX/XXXX -XX/XX/XXXX {$20.00} a month. I recently spoke with the company again to tell them these loans have been cancelled and should not have to pay and now I am being passed though the grapevine from manager to manager to phone representative, who has not been able to help me. As stated on the documentation attached, and payments made after the settlement, I would be issued a refund, and as I spoke with NRS, they stated they had no idea about my paperwork, and would look into it. 

Please help me - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX
Product: Debt collection

This company called diversified consultants inc is a collection company that put a derogatory account on my credit report without contacting me first and giving me 30 days to contest the debt as per the fair credit reporting act, the failure to contact me means this company acted in bad faith and used bullying tactics against me, the total of the said account is {$570.00} from I believe original creditor XXXX, now they must send an agreement because this company XXXX been claiming I owe a lot of things and they are unfounded, I need them to get these things away from my name and those addresses of services are not associated with me ... Ive lived at the same address since 2001, and its not the address they have ....
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I requested the method of verification for the bankruptcy to be mailed to me proving the method of verification, but I never received any documentation from Equifax and was told by the manager XXXX ( work id XXXX ) that they don't have to verify any information with me being the consumer. I also never received a response from Equifax via mail in a timely manner and had to call equifax to see why I never received a response in a timely manner. I am aware that the credit bureau has 15 days to provide proof of the method of verification, which no one has done.
Product: Credit reporting

XXXX account listed on my credit report with Experian and XXXX has been paid and closed since XXXX 2007. I would like this account removed from my credit report as it has been over 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America reported to XXXX  and other credit agencies that they had closed a credit card account at my request and reported that the account was 30 days delinquent in payment. This was reported by BOA to credit bureau on XX/XX/2020. This was not my account. I was an authorised user on the account but not a co borrower. The BOA agent on the phone made it clear that I was not responsible. It was the account of my deceased husband. I contacted Bank of America to try to resolve this in XXXX of 2020 and they said they would take care of this if I sent my husband 's death certificate to them. I didn't see how this was relevant to my concern but I did as they asked. This is still showing up on my credit report 10 months later. The late payment amount was {$110.00}. when they closed his account. The balance on the account was {$3500.00}. which their report indicates they " charged off. ''
Product: Debt collection

Received collection letter from Revenue Enterprises regarding debt that was already paid by health insurance