23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am writing in regards to my recent experience with Navient and the lack of help I have received. At the beginning of the year, my husband lost his job. We have a young daughter and another on the way and since we lost a large amount of income, we started to have trouble paying our bills. My student loans were getting further behind because I was unable to pay the high payments so I reached out to Navient for help in lowering the payments so I could possibly make small payments on them until my husband found another job. I was basically told by the customer service person I spoke with that losing a job does not qualify me for help. I was astounded. How can losing a large portion of income not qualify me for help? What does if that does not? If I do n't have money to pay the bill, they wo n't get paid. In the weeks following, I got MULTIPLE emails and phone calls fro m Navient saying,  please contact us, we can help if you are unable to pay your bills. So again, I reached out. The customer service person I spoke with the second time was very understanding, very informative and very nice. She offered an option to help drop the payment a little bit. Well today, alm ost two weeks later and after the first automatic payment was withdrawn, I get an letter from Navient stating I am not eligible because I can repay the loans. I am still trying to figure out how my monthly mortgage, power bill and student loans, not considering ANY other bills are more than I make a month mean I can afford to make payments? That would mean my daughter, my husband and I would all starve because we can not buy groceries or I would not have a place to live because my house would be foreclosed on. Or Maybe I should stop making a payment on the car that gets me back and forth to work so then I lose my job and have no income. I am really not sure which one I should choose. The most frustrating part of the entire process is that I get phone calls and emails daily asking me to reach out to Navient because they can help! I have reached out TWICE and received NO help. None. To make m atters worse, I have been trying to change my name for a year on my loans to my married name. I have uploaded documents, mailed them, everything. My name is still not changed. This means that I am unable to login to the website to at least try to get my federal student loans lowered. I have been harassed about contacting them for help, when clearly all they really want me to do is sign up for automatic payments under false pretenses.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these valuations
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. 

Account Name : XXXX XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account XXXX : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This company is reporting false information on my credit report I do not own this debt and was in a result of identity theft i have attempted to contact this creditor and they will not discuss this with me stating i did not pass validation this account does not belong to me, i have requested proof of this debt and no communication has been sent to me per Failure to comply to request 15 U.S. Code 1681o - Civil liability for negligent noncompliance ( a ) In generalAny person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Dispute this Erroneous information to Experian, 3 years ago and it was deleted ( XXXX XXXX XXXX account # XXXX ) but as today continues to appear on my credit report.,  please Investigate
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear DAIMLER TRUCK : Your credit inquiry is damaging my credit rating. Provide full documentation regarding the circumstances surrounding your review of my XXXX credit report, XXXX, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act? The inquiry was placed on my consumer file on this date : XXXX, XXXX
Product: Credit card or prepaid card

Can't use the e-gift card in XXXX  XXXX  or anywhere for that matter.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX and my moneygram account is XXXX ( as in one of my email addresses ). 
After initiating a money transfer to XXXX this summer, I called Moneygram to inquire about the delivery of funds. The beneficiary party could not confirm the receipt into his bank account because Moneygram did not transmit the references I provided, nor my name in the transfer. 
I was later able to confirm with the party the actual receipt of the money transfer. 
After this inquiry, Moneygram arbitrarily closed my online account denying me the ability to make transfers and attempts to initiate tranfer electronically were denied with a message suggesting I go to a physical agent ( see attached ), with no explanation, no reason. 
I resorted to physically go to an agent to complete my transfers. 
I went to CVS  on XXXX XXXX XXXX in XXXX to complete a transfer and the transfer was denied. 
Later a transaction was completed at an agent site, but then subsequent transactions at XXXX, another Moneygram agent were denied. 
This behavior of MoneyGram is a blatant discrimination as certain customers are presumed guilty of fraud until proven innocent, contrary to US laws. 
In the many years I have used the services of Moneygram, I have never committed a fraud in any shape or form. 
A US citizen of XXXX descent, my income is fully tracable to my salary ( XXXX/year plus rental properties income of 60,000-80,000/year ) and my transfers are a minuscule portion of my income, primarily directed to my extended family in XXXX or XXXX for assistance , funerals , other community needs, or in some instances payment of expenses on my behalf ( vacation home and cars repairs or maintenance related for example ... ). 
I had faced this dicriminatory behavior by Moneygram before and had logged a complaint to this bureau before it was resolved, only to see the same pattern of discrimination, arrogance, and denial of service repeated now. 
I am asking that Moneygram cease these discriminatory practices conducted under the false pretense of compliance and fraud prevention. 
Honest people doing lawfull transactions should not be subject to demeaning and discriminatory practices in the US. 
I tried to resolve this issue by a letter, only to be invited to call a useless customer service that did not provide neither explanation, nor resolution. 
I trust the CFPB would assist in the resolution of this issue, including the full restoration of my online account and abilty to transfer money electronically and at agent sites, and a full apology for the humiliation repeatedly suffered at agent sites where I was treated like a criminal money launderer and fraudster. 
To make the matter worse, i have a funds transfer initated a couple of years back that was never paid, and that I can not claim back because its references in my online account are not accessibles to me anymore. In that case i sent flowers rather than the monies I initially intended to send to a cousin when his sister, my cousin passed away in XXXX, XXXX.
Product: Debt collection

The have been calling repeated to my both my cell and job from XXXX and XXXX. When I asked what the call was in reference too they become extremely rude and will not state the nature of the call. When I refused to confirm my DOB or SSN without stating they nature of the call, the reps become very defensive and aggressive. 
I requested that any correspondence be communicated in writing and that all calls cease to me made in regards to anything associated with my name. Upon doing so, I am repeated hung on up. 

The excessive calls to my job has my superiors thinking this is something to bring concern as they are not only calling my desk, they are calling me through our dedicated customer service line for customer. 
Dates : XX/XX/2018 - XX/XX/2018 daily at least 6 calls between my cell and job. 
Reps spoke to where XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # 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 -XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXXXXXX -US DEPT OF EDUCATION XX/XX/XXXX {$270.00} XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I am contacting Portfolio Recovery as I have asked you all to stop contacting me via email and cease from ALL communication on XX/XX/year>. Portfolio Recovery has continued to contact me on XX/XX/year> via email after asking you all to cease from communication. This is harassment, your tactics are aggressive, and it is against my rights according to 15 USC 1692c ( c ). Portfolio Recovery is in violation of the Fair Debt Collection Practices Act ( FDCPA ). I will be seeking damages with your company if I receive further contact regarding alleged debt below : Account # XXXX
Product: Credit reporting or other personal consumer reports

I have not open an inquiries like these and strongly suspect they are just fraudulent inquiries.
Product: Debt collection

I received a letter dated XXXX/XXXX/XXXX for " XXXX XXXX '' in the amount of {$870.00}. This debt is not mine, I never enrolled into this college. I filed a claim with the CFPB XXXX in XXXX and received this response from Ability Recovery for this account : " I have requested that the XXXX XXXX account be removed from your credit report and I have accordingly closed the account here at Ability Recovery Services. If you need anything further please feel free to contact me at XXXX XXXX. Thank You XXXX ''
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account Number XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting or other personal consumer reports

To whom it may concern, while checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : inquiries : 1XXXX XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX. CBNA XX/XX/XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report this is a violation of the fair credit reporting act section 1681 b ( c ) and a serious breach of my privacy rights. 

Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that 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.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were 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 need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX US DEPT . OF EDUCATIO XXXX
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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters to take away the inaccurate information and the credit agencies havent done it, its been over 30 days.
Product: Credit card or prepaid card

I signed up for a new American Express Gold Skymiles credit card on XX/XX/XXXX. There was a promotion going on at that time ( XX/XX/XXXX/XX/XX/XXXX ) that stated if I spent over {$1000.00} in a 3 month period, I would receive XXXX points. I completed these requirements. However, I noticed I was n't getting the bonus points showing up in my statements after completing American Express requirements. I contacted Customer Service a couple of times but was n't able to get this credited. I also sent a letter to their Customer Care and Billing Inquires on XX/XX/XXXX outlining my concerns. I recd. a response dated XX/XX/XXXX denying my request to credit my account with XXXX points Dispute Reference # XXXX. ( Note -- I did have this same card several years ago -- Opened on XX/XX/XXXX and ended up closing on XX/XX/XXXX ). The reason basically given for not awarding me the XXXX points was I had this card previously and was not eligible for the bonus points. American Express indicated that per the Terms and Conditions of the Gold Delta SkyMiles application process, I am not eligible to receive this offer again. I have gone back through this application process at the time I applied ( XX/XX/XXXX ) and there was no Upfront notice that I would not be eligible. I have seen later promotional  advertisements on internet from A.E. on this program that does mention not being eligible for this offer if you 've had it before. However, that did not occur in my case. Had the promotional offer I signed up for on XX/XX/XXXX clearly stated I would not be eligible, I would not have signed up for this card. I feel like I lived up to my part of the Contract and American Express has not. I am aware of some other individuals who signed up for this very same card about the same time as I did and some received XXXX points and they also had previously signed up for this same card and promotion a year or two previously. Something is n't right here. If American Express was more Upfront in their Disclosures, I could accept that, but that was not the case. I feel like this Promotional offer was something like a Bait and Switch Operation. I understand most people would not spend the time to complain about a rather minor issue but I do n't like any organization taking Advantage of me and therefore I request you consider this complaint and act accordingly. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchronyc Bank This card is reporting the wrong information in my credit on the day of the last activity taught XX/XX/XXXX, XX/XX/XXXX and I asked them to explain this error, I was expecting a change but I received a letter indicating that nothing will change since EVERYTHING IS ACCURATE ( Day of the last activity XX/XX/XXXX adn XX/XX/XXXX ) I attach the errors
Product: Debt collection

To Whom It May Concern : I am writing to dispute certain personal information appearing on my credit report maintained by your bureau.

Upon reviewing my credit report, I noticed discrepancies in the personal information section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. 
Below is the personal information that needs to be reviewed and potentially removed or corrected from my credit report : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$290.00} Date Opened : XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Balance : Balance {$630.00} Date Opened : XX/XX/XXXX Account Name : XXXX, XXXX Account Number : XXXX Balance : {$8800.00} Date Opened : XX/XX/XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Closed. {$10000.00} written off. 

Account Name : XXXX XXXX  Account Number : XXXX Balance : {$0.00} Paid, Closed. 
Date Opened : XX/XX/XXXX I'm aware section 609 requires you to have a contract bearing my signature verifying that the debt truly belongs to me. Please show me this documentation otherwise delete this unverifiable account from my credit. 
After you have finished my request, send me a copy of my credit report reflecting these changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I requested a copy of my credit reports from XXXX, XXXX, and XXXX  credit bureaus. After reviewing my file from these credit bureaus, I realized that there were several negative accounts listed that did not belong to me and were likely fraudulent accounts. I filed disputes with the bureaus but this payday loan still remains on my reports and is listed as a collection account. The company that I believe is fraudulently and/or incorrectly listed on my credit files are the following : 1. AD ASTRA RECOVERY SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX or ( XXXX ) XXXX {$680.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 Experian is reporting a bankruptcy on my credit report and they have put the data furnisher as the XXXXXXXX XXXX XXXX XXXX XXXX GA. This is XXXX I have attached a letter from the XXXX bankruptcy Court XXXX XXXX GA XXXX and XXXX that they DO NOT furnish this information over to the credit bureaus or any CRA, nor to they verify or validate any information concerning bankruptcies. Experian is falsely stating this information on my credit report and have yet to remove this from there credit report. This is in violation of 15 USC 1681 ( a ) that states with respect to the consumer it is of grave importance for the BUREAUS to report fairly, accurately and privately. 
I have also enclosed the CFPB complaint response from XXXX where they have deleted the bankruptcy from my consumer report. 

XX/XX/22 Experian is also reporting an inaccurate address that i have disputed multiple times. 
XXXX XXXX XXXX XXXX. XXXX GA XXXX. 

It is clear to XXXX that this information deleted from my consumer report, but Experian refuses to remove it from my file. see attached copy of CFPB complaint response. 

Which with XXXX and XXXX did not have permissible purpose to request any of my private information to obtain this for the credit bureaus reporting. Nor did i give them permission to furnish this data to Experian. This is in violation of 15 USC 1681 ( b ).