23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXBalance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$830.00} ; XXXX  XXXXBalance : {$0.00} ; XXXX  XXXX Balance : {$2200.00} ; XXXX XXXXBalance : {$990.00} ; XXXX XXXX XXXX XXXX Balance : {$19000.00} ; XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$1200.00} ; XXXX XXXXXXXX Balance : {$25.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX
Product: Debt collection

Debt collector " NCS , Inc., dba Noll Collection Service '' made misleading statements to me. First, they stated that medical debt is not discharged in a Chapter XXXX. This statement is false, and can be verified through legal research on your behalf. Second, I asked debt collector for a letter of the terms we discussed before payment. Debt collector tried to solicit, via email, a confession of judgment form. Debt collector tried to pass off a legal document as not legal process, which violates the FCDPA. Third, debt collector tried to increase the cost of the debt by collection on a fee for processing payments online. This attempt to collect debt beyond what was originally stated in the agreement creating the debt, and also violates the FCDPA.
Product: Checking or savings account

On XX/XX/year>, Chime financial closed my checking and savings account with funds in there. I called them, they said due to suspious activity. They wouldnt even tell me what kind of suspious activity. They didnt contact me about this activity.its my account. I shouldve been notified of any activity. I didnt see no suspious activity at all. They said they would refund my money in 30 days. Thats all the money i have They said they couldnt give me nomore info than that
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, Hoping your help in solving this so unfair situation where after more than {$10000.00} wired to this company, just the 50 % was applied to current debts. At least is good to know " XXXX XXXX '' is talking about same numbers we mentioned, however, conveniently for them, records has not been checked in a proper way. As known : Debt restructure program started at XXXX with the debt enrollment of {$14000.00} ; Target for Creditors Settlement {$7100.00} and a Settlement fee for Debt 0 {$2900.00}. This Debt restructure was revised in XXXX, and is the used settlement used for below calculation, with the debt enrollment of {$19000.00} ; Target for Creditors settlement {$10000.00} and Settlement fee for Debt 0 {$3800.00}. ( exhibit # 11 ). As explained in previous message, ( complaint email ),  per your XXXX XXXX own delivered numbers, Debts paid by them on our name are : XXXX XXXX XXXX : {$2300.00} ( Exhibit # 3 ) - XXXX {$1200.00} ( Exhibit # 4 ) - XXXX XXXXXXXX XXXX XXXX : {$2200.00}, paid {$1500.00} ( Exhibit # 5 ) - Afni {$38.00} ( Exibit # 6 ) A total sum of these debs is : {$5000.00}. Adding the total Settlement amount to pay to XXXX XXXX : {$3200.00}, the Great Total is : XXXX. As per XXXX XXXX numbers, the amount of money wired by us to XXXX XXXX is a total {$10000.00}. In conclusion, by simple math, the amount of money to be returned must be : {$1900.00} instead of the {$880.00}. We received an email on XXXX XXXX, XXXX, signed by XXXX XXXX, XXXX XXXX, representative, indicating all the settlement to be paid by us to XXXX XXXX was already paid, thus, the statement on response of XXXX XXXX does not have any support. Questions are : How come, even, because the lack of communication from " XXXX XXXX '' we had to stop wiring funds, " XXXX XXXX '' has collected from us the total amount of money established on the settlement already, if these companies are not allowed to charge to customers in advance? In same email, XXXX XXXX indicates they already had the money to pay to XXXX XXXX for XXXX XXXX account, why didnt they do it? 3 ) Where is the copy of agreement " XXXX XXXX '' did with XXXX? NOTE : Mentioned email can be attached for your records immediate your request. Regards, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was never notified in writing per 15 U.S.C 1692 ag prior to accounts being on my credit report, within 5 days.

Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts. 15 U.S. Code 1681b - Permissible purposes of consumer reports a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ) Privacy Act considerations. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau I NEVER gave any consumer reporting agency the permission to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. I XXXX XXXX XXXX Never Signed, Provided Documentation or Have any first hand Knowledge About ANY account Authorization That took place with ANY ACCOUNTS LISTED IN THIS COMPLAINT EVER! WITH THE CREDITORS BELOW or! Any Documents Those companies RECEIVED WAS FRAUD and I stated to the creditors also. I'm a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO SUPPRESS LISTED ACCOUNTS The FCRA states the consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Which you Transunion did not adhere to. The FCRA states that Consumer Reports must be accurate and not misleading. The word maximum, and possible mean greatest in quantity or highest in degree attainable. Accuracy, in turn means freedom from mistake or error. And being free from mistake or error means being free from a misunderstanding of the meaning or implication of something and not deviating from truth or accuracy. 



The account fail to meet the accuracy standards outlined in 15 USC 1681 ( e ) ( b ) and are therefore incomplete and inaccurate and can not be reported to my report. This notice serves as a dispute regarding your failure to accurately report these accounts and its completeness and to suppress all listed accounts. 


SUPPRESS ALL LISTED ACCOUNTS BELOW. 


XXXX XXXX XXXX Inaccurate day of account opened. Inaccurate day of delinquency. Inaccurate payment history. 

A compliance standard was put in place In 1997 for credit reporting agencies stating that If items on a consumer credit profile, does not meet the mandatory legal guidelines to be reported it cant be on a consumer credit profile. This deviate from the standard of compliance. You are not in compliance. Remove all listed accounts immediately or legal action will be taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NOTICIED SOME INCONSISTENCIES ON MY CREDIT REPORT. THIS IS DAMAGING MY CREDIT SCORE AND NEEDS TO BE LOOKED AT IMMEDIATELY. PLEASE SEE ACCOUNT LISTED BELOW. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ALSO I NOTICED XXXX IS THE ONLY BUREAU THAT REPORTED LATE. EQUIFAX AND XXXX REPORTED THIS ACCOUNT AS PAID AS AGREED
Product: Credit card

On XXXX XXXX, 2014, I made a payment for {$100.00} to Capital One Credit Card. After completing my payment I obtained a confirmation number XXXX. A XXXX later I get a late fee and higher minimum payment in my Capital One credit card statement. I contacted Capital One and spoke with representative ID XXXX and he apologized in behalf of Capital one and removed the late fee and fixed the issue of the bill statement. He also stated that this issue was not going to be reported in the credit bureau as it was a clerical error done by Capital One. However, I pulled my credit reports and Capital One has entered a late payment of XXXX days in all of the credit bureaus. I have called and I have sent XXXX letters to them so they correct the wrongful entry in the credit reports, but they continue to respond that I was late and that I did not make the payment. I have the confirmation number and the ID of the representative that I spoke with a month after. This is totally unfair practice and bad faith it should be corrected.
Product: Student loan

I 've had the displeasure of working with Navient since they were XXXX at the start of my collegiate career at XXXX. XXXX ( now Navient ) was the lender they suggested I work with. 

-From XX/XX/XXXX ( graduation ) through XX/XX/XXXX, when I was financially stable enough to begin steady payback, I was only offered Forbearance as a hardship option with capitalized interest on my private loans. Each time, I was told to apply for deferment, only to be denied in favor of forbearance without explaination. Ultimately, this capitalized interest from forbearance added over $ XXXX to my loans over the course of about XXXX months. 
-I was told multiple times by multiple reps that any " additional '' payment would be automatically applied to principal. I found this to be false, that my extra payment instead was applied to interest. When I called to ask for an explanation, I was told that it should not have happened ... but they would not change the payment I 'd made to correct this. 
-Discussions with reps still offer varied explainations for why I would have differing amounts paid to principal each month since beginning regular, full payments in XX/XX/XXXX. 
-I have never been given a reason beyond " you ca n't '' when asking to split additional payment toward principal amongst my loans to apply to my XXXX, higher-interest loan. I was told any extra payment that supposedly goes to principal is applied equally to all loans, preventing me from paying down my highest-interest one any quicker. 
-I still do not understand why I have a disbursement listed on my record dated XXXX months after I graduated. This is unrelated to my capitalized interest. 

Eventually, I stopped trying to contact them, and stopped trying to pay off additional principal. It became clear that their reps a ) only had access to the same information I did, b ) that they either had no power or desire to help me and my situation, and c ) that information would change from rep to rep as far as what my options/explanations were. It was not helpful to call someone and have them repeat the information I saw on my screen back to me and offer no insight. If i asked to speak to a XXXX, I would be placed on hold for a lengthy period ( expected ) and then receive the same answers from the reps ( also, expected ). 

It 's unfortunate I can only pick XXXX to " describe my issue '' in this report, because I 've had trouble with how payments are handled, I do n't agree with fees charged, received bad information about my loans and have major problems with customer service.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act this creditor has violated my rights under 15USC 1681 section 602 states i have the right to privacy ( section 604a section 2 ) also states a consumer reporting agency can not furnish an account without my written instruction under 15 usc 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ... .has been reporting XXXX missed/late payments for XXXX, XXXX, XXXX, XXXX an XXXX of XXXX. Next XXXX, XXXX and XX/XX/XXXX totaling XXXX payments This payment history is only showing on my XXXX profile. I've reached out numerous of times and they have still said that its accurate. They have been working against me throughout this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX  XXXX Balance : {$79.00} XXXX  XXXX Balance : {$170.00} XXXX XXXX Balance : {$91.00} XXXX XXXX Balance : {$51.00} XXXX XXXXXXXX Balance : {$76.00} XXXX XXXXXXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX
Product: Debt collection

the collections company uses a phone number of XXXX XXXX XXXX a dummy number that they are calling from, they somehow access my contacts on my phone and are calling them XXXX my contacts XXXX and leaving messages about me being sued and asking them XXXX my contacts XXXX if they know me when they say no, they state that yes you do know her and repeat my name to them. I believe this to be a form of harassment. this should be illegal.
Product: Bank account or service

On XXXX XXXX, an amount of {$220.00} was moved from my checking account to my car loan with Suntrust. This was not initiated by me. I later found out from a Suntrust phone rep they moved these funds themselves. Because they did not notify me this was done, I processed a payment at the same time, also for my car payment ( the only thing this account is used for ). Given the payment was made twice, I received an overdraft and an extended one - due to a payment I did n't even initiate. 
I called to rectify this and was told it was no problem, to simply dispute the payment from XX/XX/XXXX. I stated several times that I was fine with the payment itself - it was going to be paid to the car loan eventually, it just was n't fair that I was n't given the chance to reduce my payment, as when I made my payment that was the available balance. I was told the dispute was the only way and would return the XXXX fees. It did not. 
I was then issued a temporary credit, which I of course paid right back to my car loan in good faith, as, again, all I wanted were the fees returned to pay them to the car loan as well. Instead, the temporary credit was removed, and I received XXXX MORE fees. 
Well I call and spoke a manager, XXXX, he stated he could not help. I asked for the address for executive relations and he stated that did not exist. 
Why are you actively making it more difficult for your customers to pay your own bills? This is a ridiculous business practice that you can not see that the right thing to do would be to return all XXXX fees - and then give no way to escalate higher than low level management.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting letter since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized remaining inquiries listed below : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Nothing has been done on these accounts. There are numerous violations showing on my report. There are accounts that XXXX stated, were deleted, after their investigation. However, they are still showing on my report well over a month after they completed their so-called investigation. Also there have been 21 accounts added by Experian, after their investigation, that were not reported previously. These are accounts that are several years old, that the other two were reporting already. I have called all three Bureaus to dispute these issues and all I am told is that I basically have no control over what is done because they can report whatever they want. They would not tell me who did my investigation and I want all the information pertaining to the investigation they claim to have performed. I want the name of my investigator, their role in the company, who they spoke to, and if they contacted everyone that they are legally required to contact according to the FCRA. I will be notifying the Attorney General over this and I will be seeking litigation if nothing changes. How can my credit report be accurate if all three Bureaus are reporting something different? I have documented all the violations over the last 5 months, and I am prepared to take things to the next step legally to make sure that all the information on my credit report is accurate.
Product: Credit card

Hello, I use a BP credit card ( Synchrony Bank ) for my flight business to purchase fuel for my planes. We use the card a lot depending on the weather. So some times I may need to pay on the card two or three times a month depending on how busy we are. 
So to my complaint : I have recently made a couple payments on said card. Last payment on XXXX XXXX, XXXX, which the money was taken out of my business account on same day and posted to the BP credit card account. To date they have not posted my money to my available credit due to what they have said ; multiple payments in a billing cycle. I have asked them to release the amount so that I can use the card for my business. I was told that they will not release the fund for two more days. 
I feel the this abuse if not thief on their part. They will have sat on my money for a total of 7 days. Credit card companies are allowed to take advantage of its costumers without any recourse. 
Account Summary Current Balance* : {$1700.00} Minimum Payment Due : {$0.00} Make a Payment Payment Due Date : XXXX/XXXX/XXXX Available Credit* : {$23.00} Request Increase Available For Cash Advance* : {$23.00} Total Credit Limit : {$2300.00} Payment History Last Payment : {$500.00} Last Payment Posted : XXXX/XXXX/XXXX View Online Last Statement Date : XXXX/XXXX/XXXX Last Statement Balance : {$2000.00} Enroll in Electronic Statements
Product: Debt collection

It was an incident happened at work. Workers compensation and insurance paid most of it. And, I paid the rest which was {$130.00} with some change.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage loan is currently backed by XXXX XXXX owned by XXXX XXXX and serviced by XXXX for reference. It has been a nightmare to work with them during the pandemic as I had requested to be put in Forbearance under the guidelines of the XXXX XXXX 

To summarize my experience, I have called in to both the Customer Service and Loss XXXX XXXX  scores of times and have consistently received conflicting information about the Forbearance process. I had completed my Forbearance in XX/XX/XXXX and had elected to move forward with the Payment Deferral option. I had been approved for the XXXX in XXXX, but it did not process until this month, XX/XX/XXXX. 

I was relieved that the XXXX had finally processed, but then saw that XXXX had reported to the credit bureaus that my loan balance had increased beyond that of my original loan amount. This makes absolutely no sense as I was advised from the beginning that those missed payments during forbearance would not add on as additional payments, but simply be pushed back to the end of my loan. 

What is even stranger is that my most recent statement actually reflects an accurate loan balance, but for some reason XXXX are reporting a much higher balance to the credit bureaus. I have called in multiple times to rectify this, but as usual have received no helpful responses, let alone a representative that even understands what is going on. I just want this nightmare to end. I am exhausted of having to call in to this incompetent organization time and time again and never receive a solution or even any helpful feedback. Please help me for the love of XXXX.
Product: Credit card or prepaid card

I apply for XXXX credit card, because it was said that I can do a balance transfer at 0.00 % and no transfer fee. When I call the XXXX after had received the card they told me that I will be having a fee of 3 % for balance transfer. I feel that was a shame that gave me the illusion to same my problem and be able to reduce my high interest in the other credit card that I already have. I will like to pay off my credit card and start fresh. I thought that if I will transfer to XXXX maybe in one year o so I will be able to pay off my credit card.