23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX was asked to verify a debt that they say I owe and XXXX XXXX University failed to and openly ignored my request to verify the debt. The institution failed to respond to the request within 30 days. After notifying them of this and their legal obligation to respond with such information and to alert the collection agency acting on behalf of them to the matter they removed the item from my XXXX   and XXXX report. However, as of XX/XX/2018, they have not done their due diligence of alerting the credit reporting agency and National Credit Management reported this unverified account to my XXXX   Report. XXXX University and National Credit Management, as acting on their behalf is in violation of FCRA and boldly continues to omit the law. Please see communications attached.
Product: Checking or savings account

On XX/XX/2018 I noticed an unauthorized charge from a XXXX user on my account for {$980.00}. I immediately reported it to chase. They asked me if there were any others so I went over my previous statements in detail. I noticed a charge in XXXX for {$5.00} also from a XXXX user that i did not recognize and was unable to find on my XXXX  account. I let them know about this charge as well. The {$5.00} was refunded to my account right away but the {$980.00} was not because they said they would need time due to the amount. On XX/XX/XXXX {$1900.00} was taken from my account again from a XXXX user which I reported right away. This money was credited to my account after I pleaded with them that I can not continue to pay bills with {$3000.00} missing. During this call I followed up with my original complaint and was told it was being processed. On XX/XX/2018 I called to follow up on the XX/XX/XXXX charge again and was told that since it was beyond 60 days from another reported charge it can not be credited. I looked over the guidelines on your website and see the note that I may be liable but I also see that it states the following " In order to hold you responsible for those transactions, your bank or credit union would have to show that if you notified them before the end of the 60-day period, the transactions would not have occurred. 

Now since this did in fact happen AGAIN on XX/XX/XXXX from the same exact user that took the money on XX/XX/XXXX, after being reported immediately, doesn't this show that they did nothing to prevent it from happening again?
Product: Money transfer, virtual currency, or money service

I purchased a money order from a check cashier on XX/XX/22 in the amount of {$610.00} for my insurance which was never received. When back to the cashier to cancel the money order and was told it was cashed at TD BANK I was given a copy of the XXXX and it had been altered. The name of my insurance company was taken out somehow and a name ( XXXX XXXX ) was printed in its place.You can clearly see the XXXX was altered PLS cashier told me in writing that the decision to reimburse me that the potential theft or fraud is made solely by the XXXX, which is TD BANK
Product: Credit reporting or other personal consumer reports

I want to file this please as my formal complaint to WELLS FARGO for allowing the fraudulent account on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report this fraudulent account is still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
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, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 Credit Bureaus are required by law to remove & block any accounts 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 and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXXXXXX 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 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  Inquired on XX/XX/2022 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've brought this matter to CFPB and XXXX bank before. Today, looking at my report and continue to see the questioned payment discrepancy that occurred almost 5 years ago impacting my score. This is in addition to now having paid almost the entire balance off. I considered hiring a lawyer, but during my research came across the below consumer legal rights. 

In accordance to the Free Credit Reporting act. This creditor XXXX Bank has violated my rights under 15 USC 1681. Section 602 which states that I have the right to privacy.

15 USC 1681, Section 604 a, Section 2 ( II ) also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 's 1666B, a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose. Please address this accordingly, immediately and lawfully.
Product: Debt collection

XXXX, XXXX XXXX XXXX had irregular and fraudulent billing on my account during the beginning of pandemic in XXXX, 2020. I was sent the incorrect cell phone, returned the phone with the packaging they provided and they then charged me for a damaged phone. The dispute went through arbitration and received a settlement from XXXX XXXX for the amount they incorrectly billed me. My apartment community, XXXX XXXX is responsible for tenants cable payments via rent charges. 
I do have the settlement letter and do not know why I was reported to collections for {$1100.00}. I have contacted both collection agency and XXXX and neither has been able to produce any bills for the amount reported to collections. 
Thank you, XXXX XXXX
Product: Mortgage

I have my loan serviced with Green Tree. I have been paying more than the amount due each month that I would expect to be applied to principal, but instead they post it as Unapplied Amount. I have never worked with a less competent services. I 've worked with over XXXX in the past that know how to apply additional payments toward principal. Thus I am paying interest on amounts of principal that I have already paid. This must be illegal.
Product: Checking or savings account

My daughter sent me {$10.00} from her Chime account. When I received the money the advertisement showed, Join Chime today and get an extra {$15.00} automatically added to your Chime Checking Account. I joined XXXX XX/XX/2023, but I never received the {$15.00}. I called a couple days later and spoke with a representative that said I would receive the funds the following week. I never received it. I called today and was given the complete runaround and was laughed at because I was inquiring about {$15.00}.
Product: Student loan

I began paying my loans back in XXXX and missed no payments until the loan servicer changed and restarted the loans using the original balance in XXXX. The federal student loan website provides data on status of repayment history not the amounts paid. The history provided shows no defaults from XXXX to XXXX. I paid the loans early before I bought my house in XXXX and nothing was reported negatively to the credit reports when I suddenly began getting bills from XXXX in XXXX. I reported that I didn't owe anything and they never reported to the credit bureau that I was delinquent. They still havent reported that I am delinquent it just shows the original balance of the XXXX loans is outstanding. 
I want my complete payment history for the loans reported as outstanding that originated in XXXX and XXXX that i began repaying in XXXX. I know I paid more than the minimum balance for the life of the loans and paid off balances before buying my house in XXXX. 

The original servicer was XXXX XXXX XXXX  then transferred to XXXX and then XXXX and I think now Nelnet.
Product: Student loan

I am a full class member of the Sweet v Cardona Settlement and my application for discharge has been approved by US Department of Education for my Federal Loans. This is my 3rd complaint in regards to Navient. 

The scam school that I attended was XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and the Predatory Lender is Navient. A total of 4 Federal loans were taken out and 3 private loans ( 2 Tuition Answer and 1 Career Training ) were taken out. In XX/XX/XXXX the Federal loans were consolidated and switched to XXXX due to the problems with Navients payment processing issues and the private loans stayed with Navient. 

Office of Illinois Attorney General as of XX/XX/XXXX had received no response from Navient directly to them in regards to my last complaint filed with them. They sent Navient a reminder which were giving them an additional 10 days to respond. 

On XX/XX/XXXX I received a response from Navient in regard to my Federal Stafford Loan Payments because there were several payment reversals on my account history for federal loans. Navient removed several federal loan payments and applied them to a private loan. I did not ask Navient to switch this and asked for proof. In this same letter XX/XX/XXXX from the Navient XXXX indicates that the payments were reapplied to my private loan ending XXXX. I do not have, and I have never had a private loan ending in XXXX. 
XXXX financial aid officer pushed me to take out additional living expense money and gave me a pink sheet for a direct-to-consumer loan called Tuition Answer Loan through Sallie Mae . The minimum amount to borrow was {$1500.00}. The pink sheet said this loan is outside of your financial aid which exceeded the cost of attendance and used to cover your XXXX college living expenses. XXXX pushed for students to only use Sallie Mae. 
XXXX XXXX Bankruptcy was filed and discharged on XX/XX/XXXX. The private loans were direct to consumer loans and should have been discharged in bankruptcy, but Navient has continued to demand payments with abusive debt collection practices. Navient claims to date over {$18000.00} is owed in private loans and I will default XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Experian will not reinvestigate a dispute with creditor : XXXX after they accepted a false and misrepresentation of facts from XXXX verifying accounts due to identity theft.
Product: Credit card or prepaid card

I have reached to this company multiple times advising them that a debt they charged off doesn't belong to me. I also asked the credit bureau to investigate they didnt show me any results, they basically cited verified I asked for a copy of the investigation report and I didnt receive one, they also gave me an update within 3 days how can you investigate that fast without proper verification. I asked for the following detail 1. Please provide me with a copy of a signed contract 2. Pay off disclosure 3. Interest rate disclosure 4. Date opened 5. Balance history 6. Payment history 7. Date of last payment
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at approximately XXXX PT, I logged into my account at Chase and noticed that I had an abnormally low balance. I checked my account activity only to realize that a payment I had sent was debited twice. 

I immediately called Chase and was told the issue was known, there was no immediate resolution to the problem, and that I would have to wait for the problem to be rectified to get access to the money. 

Chase did not notify me proactively at any point about this supposedly known issue. Chase has offered no compensation for the inconvenience and continues to offer no solution other than to wait until they can resolve the issue. 

As far as I'm concerned, this amounts to Chase withdrawing money from my account without authorization and it should be investigated immediately. Chase customers should be compensated for this issue. Chase should be penalized for the negligence in failing to protect customers from the issue and failing to notify customers of the issue.
Product: Credit reporting or other personal consumer reports

Trans union is reporting inaccurate information .this account is reported " OPENED '' AND IS COLLECTION/ WITH A PAST DUE BALANCE OF XXXX WITH NO PAYMENT HISTORY this in only reporting on XXXX credit agency. Incorrect reporting no other XXXX reporting of other agencies this is a violation! No information INACCURATE ACCOUNT NO ORIGINAL DATES OF WHEN ACCOUNT WAS OPENED/ OR CLOSED THIS IS INACCURATE REPORTING
Product: Credit reporting, credit repair services, or other personal consumer reports

My  XXXX  Credit Report shows a hard inquiry from a company calle d Seventh Avenue. I h ave never heard of this company let alone done any business with them. I contacted them in  XXXX  or  XXXX  of   XXXX   to try and ask them to remove this inquiry. They found no records of me in their syste m ( includin g no recent applications ). they informed me I would need to dispute this directly with  XXXX . since I work for a large bank I realized this was not a proper step that I should be taking but since they insisted there was nothing they could do to fix it, I in fact disputed it with  XXXX . They received the response  from Seventh Avenue ind icating it was a valid inquiry and they could not remove it. I again contacted them today and initially received the same " there is nothing we can do '' response. I requested to talk to a supervisor who again confirmed no records of me in connection with this company. She went on to indicated I must send a copy of the credit report showing this being reported. I recently contacted  XXXX  about a similar issue and they required no documents on my part. In addition I know someone who worked with  XXXX  about the same type of problem and was not required to send any documentation to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXXXXXX XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting 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.

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 informationisinaccurate. 
Please remove these Inquiries from my credit report. 
These inquiriesarelisted : 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 XXXXXX/XX/XXXX
Product: Credit reporting 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 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 or other personal consumer reports

While reviewing my most recent credit report ( s ), I noticed fraudulent inquiries that I do not notice nor did I authorize anyone to pull my credit report. The inquiries are as follows below PLEASE REMOVE THE FOLLOWING FRAUDULENT INQUIRIES : TRANSUNION : XXXX XXXX XXXX ( XXXX ) TRANSUNION : XXXX XXXX ( XXXX ) TRANSUNION : XXXX ( XXXX ) TRANSUNION : XXXX XXXX  ( XXXX ) TRANSUNION : XXXX XXXX XXXX ( XXXX ) TRANSUNION : XXXX ( XXXX ) TRANSUNION : XXXX ( XXXX ) TRANSUNION : XXXX ( XXXX ) TRANSUNION : XXXX XXXX ( XXXX ) TRANSUNION : 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  ( XXXXXXXX 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 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 XXXXXXXX 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 ) Please validate information with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of such documentation, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C 1681b ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Navient continues to send me emails about the payment they expect from me in XXXX. They claim that my school didn't report to the XXXX XXXX XXXX XXXX. I logged into the database and it says that I am a full-time student. Therefore, there is no reason they should be sending me emails expecting payment. Their website gives you the run around when it comes to filing forms online and contacting them by email. They say if you log in you can email them. It becomes one giant circle of going around from page to page without finding the information you are entitled to. 

They keep everything under wraps and do not inform their customers of anything. This is predatory student lending or debt collection at this point. My student status was updated on XX/XX/2019. There is NO REASON they should be asking me for payment now. But they are and I'm sick to death of their terrible customer service and harassment. If they aren't doing their job and checking the database, then that's not my issue. Something needs to be done about this. They have helped my old school to rip people off, they took my money and I got nothing in return but they still have these loans. It's bad enough I have to go back to college to try and get where I should have been in the first place.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX, XXXX - Account Number : XXXX Account Name : XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX