23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I would like to write a formal complaint on a credit reporting made by my XXXX XXXX rewards card. On 2019 I was on a financial hardship due to me not being able to work for a whole year due to a physical XXXX I had during that time and was away from my work on disability/ medical leave. On XX/XX/2019 and XXXX XXXX I received a late fee for non payment. I later made a payment to my credit card on XXXX XXXX because I was able to gather all the money because I wanted to pay the entire credit card balance in full. On XX/XX/2019, XXXX froze my account because they stated that my payment bounced back from my checking account. I called my checking account institution to see what happened and they stated that XXXX denied my payment and advised me that it could have been because maybe I was paying such a large balance XXXX {$13000.00} XXXX at once but told me that there was nothing wrong with my checking account and to try to schedule the payment again. So on XX/XX/2019, I called XXXX to get the account unfrozen then I scheduled a payment again with XXXX and this time it was successfully paid off. I called XXXX to see if they could remove the late fee I had for XXXX so it would not be past 30 days late payment so the representative was able to remove the late fee and I asked her if this would be reported on my credit report since she is removing the late fee for XXXX and she assured me that It would not be reported because my account was frozen so I could not make any payments until I contacted them. After that payment as well as another one I made to pay off the accumulated interest, the account was fully paid off and in {$0.00} balance ever since. 
I just recently checked my credit report a few months ago and I found out that the late payment for XX/XX/2019 was actually reported to all three credit bureaus despite them assuring me that it would not be reported. I have called XXXX several times to see if there is any way to correct this and they have told me that they can do nothing about this situation.
Product: Checking or savings account

I recently opened new checking, savings and credit card accounts with Bank of America. This was due to a move from XXXX XXXX XXXX and I needed a bank that had branches in both States. I made a mistake setting up " XXXX XXXX '' in my new accounts which resulted in making a double payment to my B of A credit card from my savings account on XX/XX/2022. When I realized the mistake, I immediately called B of A customer service to cancel one of the payments and transfer the amount back into my savings account as the double payment left me cash strapped and I had other bills to pay. I was advised that it would take up to 10 working days for this to happen. When I questioned why, as it was a simple transfer between my B of A accounts, all they would tell me is that this was their policy. I have since called customer service again and was told that it could take up to 2 billing cycles on my credit card, which is not acceptable. I then went to the Bank of America Branch in XXXX, XXXX  and spoke with XXXX XXXX about the matter on XX/XX/XXXX as the money hadn't been transferred and I was very anxious and upset as I still had other bills to pay. He made some calls to a manager and told me that the money would be in my account on XX/XX/XXXX. Today is XX/XX/XXXX and the money still hasn't been transferred back into my savings account. In my opinion, this can't be legal and if it is legal, it isn't right and needs to be changed. It is a just a transfer between accounts with no third party reason for holding funds. In the meantime, they have free use of my money ( XXXX  XXXX ), I am losing interest on my savings account and do not have the use of my funds. I require that the money be transferred back into my savings account immediately and that I be paid the interest amount accrued since B of A was initially notified of the mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act t In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Student loan

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, ( your School Here ). 
As a matter of fact, XXXX XXXX XXXX and their Parent company, XXXX were investigated by the attorneys general of several states and have been found to have acted in a fraudulent manner. 
Because of the numerous claims of fraud and misconduct perpetrated by XXXX  XXXX XXXX, the XXXX XXXX has just announced a blanket discharge for anyone enrolled at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. 
My Federal loans in the amount of {$42000.00} were discharged and my credit repaired.

I am aware that Navient was sued by XXXX state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early XXXX 's. 
These private loans with a high risk of default were part of a package deal offered to " for profit online schools '', but loans made to students in states outside of the agreement, or those who were not in default for XXXX months or more during a " specific '' time frame, were excluded. 
I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit online schools. 
After the XXXX settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? 
Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of XXXX payments students could have enrolled in, but instead steered toward forbearance? 
Furthermore, hasn't Navient been sued at least a XXXX XXXX times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. 
This application is a sham. Even when asked about this program and application, I was told in an email that the application was non-existent. 
Why do we need to prove anything? 
Navient knows who we are. 
Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. 
Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. 
Senator XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW! 

Link to Senator XXXX Letter 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

They only fixed where I can see my score but nothing else
Product: Debt collection

I had a credit card with XXXX  XXXX XXXX around 2-3 years back. I paid what I owed and claimed identity theft because my ex-husband was using my credit card afterward. It's been two or three years since that credit card account was closed. I already filed several claims as well in XXXX XXXX XXXX as well. Now, I have some collection agency under Credit Control , LLC from Missouri that claims I owe {$2400.00} to XXXX  XXXX XXXX and that they'll take that money from my accounts. They've repeatedly called and mailed me to pay them the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to XXXX XXXXXXXX XXXX XXXX  ( Account # XXXX on many occasions, and to know avail nothing was done, This XXXX XXXX account is still on my credit report as closed and not off my credit report. 
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 U.S.C. 1681 This company has violated my rights 15 U.S.C. 1681 section 602 A,, States I have the right to privacy, 15 U.S.C. 1681 sex in 604 A section 2. It also states, a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) section states, no consumer reporting agency may make any consumer reports containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates The report by more than seven years.

15 U.S.C. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information related to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is incorrect, XXXX XXXX XXXX XXXX the company above added on insurance that was illegal on their behalf. Yes, they fix the problem closed out the account and called themselves taking it off my credit report but it shows closed but still on my credit report since 2015 when it should be off.
Product: Student loan

{$22000.00} in student loans were originated/became payable in XX/XX/XXXX. 
Between XX/XX/XXXX-XX/XX/XXXX payments were made for 3-4 of these years. Forbearance 's were used 2 times. From XX/XX/XXXX-XX/XX/XXXX my tax returns were garnished XXXX %. 
These payments amounted to roughly {$9000.00} 2 months ago I found out that in XX/XX/XXXX, with out my knowledge, these loans were charged off, with insurance paying the balance. At this time the loans were re-originated with out my knowledge at {$19000.00} Since then I have repaid roughly {$5000.00}. 
One payment in XX/XX/XXXX for {$1200.00} still has not been credited. 
I have been in phone contact with navient several times a week for 4 months. 
They refuse to discuss the pre-XX/XX/XXXX payments. 
In XX/XX/XXXX I told them they would get {$1.00} a month until these previous payments are properly credited. And it is determined whether or not I am still responsible for these loans. 
I do n't believe I am. 
Also, Am I entitled to a refund of payment since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I have been in contact with XXXX XXXX and they do not have information pursuant to XXXX XXXX XXXX. They are XXXX, badgering my credit with no explanation on an erroneous alleged chargeoff.
Product: Checking or savings account

I have been getting charged {$35.00} up to 3 times a day because they take so long for pending transactions to clear. This is ridiculous. Once my direct deposit hits my account its already gone and I have no choice but overdraft my account. And they will pay small amounts like {$10.00} and charged me {$35.00}.
Product: Debt collection

This company haved call numeros of time before XXXX XXXX  and after XXXX XXXX. They have said they were going to take me to court and sue me for everything I have. I told them my information was stolen and they said it is not their problem. I'm hearing my credit for getting a home for my family. These companies are the ones I called and stated are not my accounts. PORTFOLIO RECOV ASSOC XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to demand that the Credit Reporting Agencies remove the fraudulent and inaccurate personal information being reported on my Credit File in accordance with the Fair Credit Reporting Act. The names, and addresses presented on my Credit Report are either inaccurate that it does not reflect my accurate and lawful information or resulted due to identity theft. Either way, I am demanding that the Credit Reporting Agencies remove the fraudulent and inaccurate personal information off of my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX. I sent a dispute letter to the XXXX XXXX XXXX last XX/XX/XXXX, XXXX with complete attachments of my personal identifying documents as well as a copy of the FTC report I received from the FTC .
Product: Checking or savings account

on XX/XX/XXXX, I lost my Bank Of America ( debit and credit ) cards and drivers license. on XX/XX/XXXX I got notification that someone used my debit card amount of XXXX XXXX on XX/XX/XXXX, I informed the bank about incident. In two days I reported the police department too. report number is XXXX in one week later Bank of America credited the money amount of XXXX XXXX And on XX/XX/XXXX, I got Letter says that on XX/XX/XXXX Bank Of America will be removed the amount credited earlier. In the letter they mentioned that the charge was authorized by me or by someone who has permission to use the card or account. I tried to contact customer support but they could not solve my problem. The next step was escalation of the dispute ( XX/XX/2022 ). And the result was negative. They did not approved my claim. 
And addition to these once I spoke with their supervisor they said they are unable to help me on this case. Thanks for your consideration in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an account to all 3 credit bureaus as a charged off account which i have challenged the 100 % accurate reporting of this account 6 times to the credit bureaus and they always say its verified XXXX accurate well heres proof its not and i am escalating this to the CFPB ... ... this account is Inaccurate. i have pointed the inaccurate reporting to the 3 credit bureaus as well as XXXX  6 times in the past year and they ignore it ..by law they are required to report 100 % accurate, verifiable and consistent data between bureaus and they are not.they are reporting 3 different dates of last payment between the credit bureaus XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( 2 year payment history ) this account is re aged.they are reporting 2 different credit amounts {$350.00} and {$0.00}. ..they are violating my rights as a consumer Also since they are reporting this as a charged off account they should have send me a copy of the 1099C that was issued to the IRS by law and i never received it... i have attached a copy of proof of this inaccurate reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are in compliance with OHIO LAW. The following account are still unverified : XXXX XXXX XXXX # XXXX** Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law.
Product: Debt collection

I have paid this loan off with another creditor. Unfortunately during the time I was paying the loan off another company picked it up. I fax ed them the information before and they keep saying it is incorrect. The loan was through XXXX 's XXXX and I have already paid it off.
Product: Credit reporting or other personal consumer reports

THE PRIVACY ACT OF 1974 and its entirety Public Law 93-579, as codified at 5 U.S.C. 552a SECTION 2 specifically Direct violation of the privacy act of my credit report. 
Dates : XXXX Current creditors obtaining, selling and/or exchanging confidential personal information to third party debt collectors and/or subsidiaries.

( b ) The purpose of this Act is to provide certain safeguards for an individual against an invasion of personal privacy by requiring Federal agencies, except as otherwise provided by law, to -- ( 1 ) permit an individual to determine what records pertaining to him are collected, maintained, used, or disseminated by such agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX to request my credit reports. Entered all the correct information ( checked it twice ). Its really not difficult. However, the website replied that they are unable to give me the report online. Is this a scam? I need the report urgently. I am not going to mail them my information so it can get lost or stolen. Why is this allowed to occur? I thought we were trying to help fraud and identity theft yet we can not help ourselves. Really a bad process.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the fair credit reporting act 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 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
Product: Credit reporting

I have filed several complaint about the collection agency XXXX, Address XXXX, XXXX XXXX, XXXX, SC, XXXX. Amount of debt is {$3500.00}. 
Equifax has not removed this account even though I have disputed this account several times. XXXX has removed it, but Equifax has refused to remove account. 
The account # listed to Equifax is XXXX to XXXX amount owed {$3500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my THIRD DISPUTE regarding the same accounts that are fraudulent and does not belong to me and still showing on my credit reports The accounts need to be deleted from my credit report immediately. Once again this is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : XXXX XXXX XXXX # XXXX SANTANDER CONSUMER USA # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was pregnant in XXXX and delivered in XXXX of XXXX. Since then I have been trying to get corrected billing information. Initially the bills in question were from XXXX of XXXX as I was being told my services were out of network. Long short short, after many phone calls and many many hours on the phone I spoke with XXXX XXXX as XXXX ( my medical provider ) and she let me know that XXXX had somehow let the agreement between them and XXXX XXXX XXXX lapse. She advised that they had fixed it and it would be retro active. Those bills were fixed. Within the last year I am now getting phone calls from Medical Revenue Services stating I owe {$1700.00} from XXXX XXXX XXXX XXXX rendered on XX/XX/XXXX. I was covered with XXXX at that time so this should not be the balance. I have been waiting for this bill to be fixed and a corrected bill to be sent to me for two and a half years now. I believe there is a limitation on how long I should have to wait to receive a corrected bill. This service should have been covered. I have attached supporting documentation.
Product: Debt collection

They called my place of work ... harrassing me and my coworkers.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S.
Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted to Experian a dispute about my XXXX/XXXX/XXXX  account. I wrote a detailed letter and provided a full credit report highlighting the errors. I was notified today the dispute was complete so I pulled my report. Unfortunately, Experian did not meet their obligations under the Fair Credit Reporting Act. They did not provide answers to any of the questions that the dispute raised nor does it look like they actually investigated as the date of update is XX/XX/2019 which was before the dispute was filed. Therefore, I am filing this complaint to compel Experian to delete the XXXX/XXXX/XXXX account for inaccuracy as highlighted in my dispute letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried numerous times to have the creditor Police and XXXX XXXX XXXX XXXX to remove a inaccurately missed payment from XX/XX/2019. I never missed a payment and was told to contact the bureaus to fix and it's still not fixed. This is causing harm to my credit reports and preventing me to be qualified loans and causing tremendous stress. So since no one is fixing this problem I'm submitting a complaint. This is not fair that they messed up and I have to suffer because of their mistake.