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

In XX/XX/XXXX, I got my credit reports, i noticed my students loans were reporting open, closed - with Transunion. I have contacted transunion in regards to my XXXX student loan payment history- it shows 4 loans 15 payments each past due. Destroying my history and credit. I contact XXXX  they show this are  loans XXXX, XXXX, XXXX, and XXXX - I stated that my loans were suppose to be in default. Well when I initially contacted in XX/XX/XXXX - I called over the phone - Like I usely do to renew my economic hardship- the representative told me- to mail in proof of state assistance- I mailed information-never received any information that those 4 loans were ever in default. Sent a goodwill letter- no response. I need help getting this resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX Balance XXXX {$0.00} ; XXXX  XX/XX/2022 ; XXXX  XXXX XX/XX/2022 ; XXXX XXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022
Product: Student loan

My Navient student loan did not go into forbearance as it should have with the coronavirus quarantine. Instead they harass me and my parents on the phone constantly ( I am XXXX years old and my parents did not co-sign my loans ). I believe they are illegally charging me fees and interest during a time when the loan should be suspended.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am angered by the Credit Bureaus ' choice of action and did not completely removed the disputed accounts and information from my Credit file in which the Fair Credit Reporting Act section 605b requires the Credit Reporting Agencies to remove any accounts and information that resulted due to identity theft. Also, the Credit Reporting Agencies have been failing to send me copies of proof of verification or proof of ownership having my legal signatures. This is a clear violation of a consumer 's Rights under the Fair Credit reporting act section 605b. I have discussing with my legal team about the lawsuit that we are willing to file in the event the Credit Bureaus failed to comply with the requests under the FCRA Section 605b. If it is not too much to ask for, I am requesting that the Credit Bureaus remove the following accounts and information completely from my Credit file : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CO XXXX XXXX Original XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX : {$760.00} XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX Owed : {$240.00XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX Owed : {$51.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX A XXXX Balance Owed : {$820.00} XXXX  XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent XXXX a certified letter ( view attached ) requesting verification of Inquiries on my account. Inquires that Im not aware of. I asked for further investigation to be done because, if you look at my XXXX. Its not all the same across. I wrote to XXXX, I called XXXX XX/XX/2021. I spoke to numerous representative that stated nothing can be done. XX/XX/2021 I wrote to XXXX again, I have not gotten a response in regards to this issue
Product: Debt collection

I have automatic payments set up with this company and yet the still continue to call and they also call my dads cell phone. They call almost everyday and they call more the once as well.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX NA Date of Inquiry XX/XX/XXXX, EXPERIAN XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, EXPERIAN XXXX CRED Date of Inquiry XX/XX/XXXX & EXPERIAN XXXX CRED Date of Inquiry XX/XX/XXXX,
Product: Checking or savings account

The owner of the acct is XXXX XXXX XXXX. She opened up the accounts savings and checking, with the full information from the Citi Bank Official, Ms. XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, Fl XXXX with a Ph # of XXXX. 
Ms. XXXX, explained the same thin I knew through my son-in-law, XXXX XXXX XXXX, that he and my Daughter XXXX XXXX XXXX, knew from another branch and their Rep. XXXX XXXX, that this Citi Gold Acct, that would pay {$1500.00} after 60 days of investment to me and my son in law would get {$200.00} for his referral of me. The {$1500.00} would be paid between the 60th and 90th day, but so far Citi Bank has only paid the {$200.00} to my son in law, but nothing to me at all. There seems a lack of communication, because No additional paper printouts were given to me, until another Ms. XXXX XXXX, of XXXX XXXX XXXX, XXXX, Fl XXXX started sending paper work to me after the fact that both the 60th and 90th days had gone by and still I haven't received my {$1500.00} in both my savings/checking accts. 
It has been explained that my son in law Mr. XXXX and my Daughter received their {$200.00} referral money after their 60th day and got their {$1500.00} way before their 90th day. 
So why am I being treated differently??? That's why I'm making this complaint with the Office of the Comptroller of Currency, to get what belongs to me!!!! Other complaints made to Citi Bank in XXXX XXXX, Tx are these following complaints are # XXXX. This one says that yes my money should be paid out, but it hasn't, so what is the hold up?????, the other referral is XXXX, which in a letter says, We have conformed that your account has met the necessary requirements to qualify for PROMTION XXXX, so You can call the SAT Office at tell them to issue my money IMMEDIATELY!!!!!!! 
It's unbelievable that a bank that makes {$20.00} XXXX every quarter according to Wall Street Reports acts this way from people who are honestly trying to make some money from LIFE SAVINGS!!!! 
I urge to please put pressure on CITI Bank, on their practices and resolve this issue with me.
Product: Credit card

Please see the attached narrative complaint and exhibits. This complaint is about unearned fees, unearned interest, and credit reporting all after the consumer canceled the card.
Product: Credit card

So I called capital one settlement department regarding if I was involved in the settlement. They verified my information, and they stated they sent XXXX emails. I did not receive a email or was never informed by capital one my information was hacked or that I needed to submit a claim for this settlement before the deadline.
Product: Credit reporting or other personal consumer reports

Identity fraud on my account. 

I don't identify the accounts on my account.
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a transaction " XXXX XXXX - XXXX '' for {$53.00}, which should be qualified for XXXX points. BUT I only receive XXXX points, and I am missing XXXX points. I've contacted Barclay customer service twice, and case ID is XXXX. It has been six weeks but still no progress at all. 

Please DO NOT call me. I specified this with customer service but I still receive calls which just repeat themselves and do not solve my issue at all. This is VERY DISTURBING and ANNOYING. I've wasted too much time talking to customer service. Please look at the evidence I provide. Email me if there's any progress or additional info required.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash App ( Block Inc ) Due to inadequate customer service And unfair practices which violate CFPA. Specifically, cash app failed To take timely and effective manners To prevent an address fraud on their platform, which led my account to be vulnerable and unprotected. Furthermore, there Dispute resolution was unfair And deceptive as they did not follow the laws of EFTA and regulation E. These actions have caused significant Inconvenience and financial loss Im seeking appropriate redress for these violations
Product: Credit card

Ordered XXXX for XXXX for my step son. On XX/XX/2016 it said it was Delivered and left at door. Package was not delivered .contacted Best Buy immediately and asked if they could ship to Best Buy in XXXX. Which they did but they messed up and put my name and required signature. Best byybtroed to deliver two times but could n't because it was my name but the store address. Product was then supposedly delivered XXXX XXXX in XXXX ny on XXXX for pick up. Went to pick up time which was no longer at XXXX and lost. XXXX had me have Best Buy call XXXX so I could receive repayment. I was online with bestbuy when they contacted XXXX I waS told i would receive refund. Called back few days later and they had no records of any of my calls and refused to repay me. I got so mad I cancelled my Best Buy card. I than tried To call again next day lady seemed nice and understood package was lost. Since I had closed my credit card I was told they were issuing me a check that day for my refund. Now over a week later I call today they have no records of any of my calls. 'refused to give me a refund, even asked them to then overnight ship me the product i originally ordered and was told they could n't do that as well because it is out of stock. So now I paid for item I never received and refuse to pay my bill if this is is how they are going to treat a customers who spends XXXX a month in the store and never been late on payment. I also contacted XXXX today nntneh have record no f Best Buy calllong them n them notifying them package was lost and I was due a refund. Inneed help. I work hard on my credit but this is it fair
Product: Student loan

I paid off a loan in full XX/XX/2023. I received a statement stating I paid in full dated XX/XX/2023. This loan was for loan sequence 1 of my account. This loan was removed from my account because it no longer had a balance and has not been on my account for the past 10 months. End of XXXX I see this loan has been placed back on my account with a XXXX dollar balance and now interest is accruing. I called Mohela and waited 40-60 minutes to reach a representative. The representative said the loan I paid in full was under " review ''. This loan has been paid off for 10 months. I was not notified my loan was being reviewed. They didn't give me an explanation as to why it was under review or the reasoning for the sudden XXXX dollars added on to my account. I asked, if my account is under review why would they put a random fee on it rather than waiting until the review has been complete. The representative nor the others she was consulting with could answer my questions. They transferred me to a line that was supposed to set me up with a supervisor call and to input my phone number, of course that line didn't work and it disconnected the call. I called back again and was on hold for over 30 minutes and the line was disconnected. 

Per written documentation that has been sent back and forth Mohela is trying to say the day I paid off my loan there was a balance for XXXX dollars more. Yet two weeks later I received a paid in full status and the loan was no longer on my account. I have been paying my loans during the forebearance to work on chipping away at my balance. How can a company give no details or explanation and just add money back in to an already paid off balance?
Product: Debt collection

Collection in my credit report from XXXX amount of {$650.00}. I am a victim of identity theft, someone else used my info at XXXXXXXX XXXX I was not even in the country. Police will not care the amount to low and old. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

i have called Navy Federal and ask them why do i have so much late fees in just 1 month sometimes up to XXXX or XXXX times in 1 months each for {$36.00} How am i to get better with my finances when i have to pay so much Money to my Bank? 
Now i have a {$500.00} overdraft and i don't know how to get out of it! 
i called and ask if i can pay {$100.00} a month.to get it out of the way and got refused to do so she sad i have to pay {$500.00} at XXXX time which i don't have i have my account with them since XXXX  NFCU got a lot of money on late fees from me to the last 10 years
Product: Debt collection

I am in receipt of Professional Account Management, LLC., letter informing me that they are handling the collection of an account. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Professional Account Management LLC., and me which makes them entitled to enforce a commercial claim against me.
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 XXXX 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: Debt collection

After checking my credit report i noticed a fraudulent student loan account # XXXX XXXX on my credit report. DATE OPEN : XX/XX/XXXX DATE OF DELINQUENCY : XX/XX/XXXX Question : how can a delinquency occurred XX/XX/XXXX yet the account was opened XX/XX/XXXX. Further to that they have change information on the account 7 times Such as : The owner of the account, the date the account was open, the type of account, from student loan to credit card to just loan, and created payments for six months that was never made.

Everytime i disputed the inaccurate information they would change something else. 

The delinquency happened before the account was ever opened? How do you have a delinquency before there was ever an account????? I disputed the inaccuracy and the fraudulent nature of this student loan account and requested and investigation and removal from my credit file. They never submitted what i requested and continue to report on my credit file. As a matter of fact they keep changing companies and re-ageing the item rather than remove the inaccurate account. 

This inaccurate account must be deleted immediately.
Product: Debt collection

First Collection Service of XXXX XXXX, AR is erroneously reporting that a debt I never incurred to XXXX XXXXXXXX XXXX was a charge-off, when it was actually paid in full. This debt was never mine in the first place, and I paid it in full anyway because it had the potential to negatively impact my credit. 

This debt was incurred by a tenant I had at a rental property that didn't pay their gas bill, and the debt was ultimately transferred to me as the erstwhile property owner. I didn't know that the debt even existed until it went into collections, and by that point I hadn't owned that property in XXXX  years. The attached copy of court records shows that the property was sold in a foreclosure sheriff 's sale, with a certificate of purchase by the new owner filed with the court on XX/XX/XXXX, XXXX years before First Collection Service opened their file on XX/XX/XXXX of XXXX. 

First Collection Service is refusing to correct the negative " chargeoff '' status of this debt on my credit report, and have also refused to remove the entry from my credit report overall. This debt was paid in XXXX of XXXX, and they reported this erroneous negative information to the credit bureaus in XXXX of XXXX. 

I've called them and told that their policies don't allow them to make these sorts of corrections. The person I talked to said they would put me in touch with a supervisor, but as of yet, I have not received a call back from one.
Product: Credit card or prepaid card

On both XX/XX/XXXX and XXXX of 2021, I submitted three claims involving fraudulent purchases on XXXXXX/XX/XXXX with the same subscription-based price of {$170.00} that I did not make on my phone ( XXXXXX/XX/XXXX ) with XXXX. However, because XXXX failed to recognize that all three transactions were unauthorized, I had to rely on all three credit card companies that the purchases were being charged onto XXXX Discover, XX/XX/XXXX and XXXX XXXX. So far, on XX/XX/XXXX of 2021, XXXX was able to determine that the purchase involving XXXX XXXX was unauthorized. As for XX/XX/XXXX, I don't know what the outcome will be since I have not received any update from them. For Discover, they failed to recognize the transaction as fraudulent on both attempts ( the result for the first attempt was on XX/XX/XXXX after I filed a dispute with them on XX/XX/XXXX and the result for the second attempt was on XX/XX/XXXX after I read the Dispute Result Letter from Discover and have sent them additional documentations on XX/XX/XXXX ). Also on XX/XX/XXXX, I sent them one more evidence telling them that XXXX was able to recognize the transaction as fraudulent that Discover did not and suggest them to look over the previous evidence again to make sure they do not miss any foul play. However, after this, I did not received any response from Discover for five days.
Product: Debt collection

I 've received multiple calls and faxes to my place of work from National Enterprise Systems ( XXXX XXXX ). The calls are regarding outstanding debt ( student loan ) from XXXX. I 've called multiple times to confirm that they ( NES ) have the wrong person, yet they persist on  calling/faxing my place of work. I also contacted XXXX to confirm that I do not have any outstanding loans through them, and they confirmed I did not.
Product: Credit card or prepaid card

On XXXX XXXX, I received notification from Capital One that the credit limit on my Capital One VISA card has just been reduced " to better fit my card usage '' which is a ridiculous excuse. One of the primary benefits of high credit card limits is to serve as a safety net in case of financial emergencies. I have charged thousands of dollars worth of goods and services to my Capital One VISA card, and repaid every XXXX. I have been a Capital One customer for many years, and have never made a single late payment. This is how they reward me for being such a good customer. I am speechless!
Product: Credit reporting

Explained to Equifax information was incorrect on my credit report. The original creditor claims they were never contacted about the dispute. I believe they are just passing the buck and not verifying complaints.
Product: Debt collection

I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ), The Fair Debt Collection Practices Act ( FDCPA ) and The Unfair or Deceptive Acts or Practices and Unfair, Deceptive, or Abusive Acts or Practices ( UDAP ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1.Account Name : NATIONAL CREDIT ADJUSTERS , L.L.C Account Number : 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 Delete this account immediately, unless you want to be held {$1000.00} per violation
Product: Debt collection

Creditor did not give me a chance to pay it prior to it being placed on my credit as a collection
Product: Checking or savings account

XXXX XXXX and a XXXX deposit to help pay off some of my bills, was send to my Capital One bank on XXXX. But at this time no deposit. 
I called the bank and they just keep giving me a bunch of diplomatic words and not answering the reason why this is happen. I fear that this bank is going under. An email was sent yesterday around XXXXpm. that the problem would be fixed this morning