23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I set up my student loan payments months ago with Navient via monthly auto pay through my checking account. The first payment of XXXX was to be withdrawn from my account on XX/XX/28. I received a notice shortly after stating that my payment was rejected due to " no account ''. I called the company to find out why and they stated that they had submitted my payments with my incorrect last name, my maiden name. They also sent me a notice stating the same in writing. We resubmitted the payments and now I just received another notice that the payments rejected account due to " no account ''. I tried to verify my checking account information with the company since I am unable to see it on their website, it is a " masked '' account. The Navient rep on the phone also said that could not see the account information either and that if something is wrong with the account there is a form that I need to fill out. I find this very inconvenient and she never emailed me the form as she said she would. The company keeps sending me past due messages now and this appears to be an error on their end. I am requesting that the company fix my payments immediately and that any interest/late fees are waived due to this error. I would also like someone to contact me immediately to verify my account number since I can not get this resolved or verified otherwise.
Product: Checking or savings account

On XX/XX/2023 I applied online to open a new checking account with PenFed which includes a credit check. After the credit check was completed the very same day I received an e mail from PenFed about loading supporting documents. I went ahead a followed the procedure to upload the documents and after I was done I received a notification to allow 3 to 5 business days to process. On XX/XX/XXXX I got another e mail to upload my documents which I did and did not think nothing of it. On XX/XX/XXXX I got another e mail to upload my documents. Again I did as requested and received a confirmation e mail. Today XX/XX/XXXX I mailed them asking for an update and they claim they can can not find my documents or files. Please investigate. I have all the e mails that I received from them if you need them. It is very concerning that they can not locate my personal documents.
Product: Credit reporting or other personal consumer reports

I came across the CFPB XXXX lawsuit. 

I feel i was negatively impacted by Transunion hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''. 
But i don't see any details about your investigation. 

A fine will be applied soon if proper investigation is'nt applied too.

Please provide details to investigation or delete accounts.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received an email from venmo stating my account was temp frozen and I need to upload a picture of government issued ID. I was not aware of the email until after i added money in the account which I desperately need because I'm unemployed and now I can't access my money and venmo is failing to give me any information about this, I'm told that the account specialists are handling it bit they can not be reached by phone. I have uploaded my ID as they asked, I called and sent emails with the same response from the customer rep and it's that the account specialists are handling it but they can only be reached through email but I haven't gotten a single response from them. I am literally going hungry because of this.
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 : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: 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 violates 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 descriptive, 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 violations.
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX XXXX XXXX  sent me a letter stating a Bank of America account had been placed with their company for collections. The debt listed in the letter was for the amount of {$3000.00}. 

I have never before applied for my own Bank of America credit card and therefore believe this debt to be invalid. 

On XX/XX/XXXX, I sent XXXX XXXX XXXX XXXX a certified letter asking for additional information about the account and to provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt. I specifically asked them to provide a copy of the written agreement that created my original requirement to pay as well as a copy of the billing statement sent to me by the original creditor. I also asked them to provide details about their authority to collect this debt such as their debt collection license information. 

On XX/XX/XXXX I received a response from XXXX XXXX XXXX XXXX. They included a photocopy of what they claim to be billing statements sent to me from Bank of America between XX/XX/XXXX to XX/XX/XXXX. These statements have my name and address on them, but I never once received them. In addition, the statements show payments were made on XX/XX/XXXX ( {$160.00} ), XX/XX/XXXX ( {$350.00} ), and XX/XX/XXXX ( {$150.00} ). I would like to know who made these payments and what account they came from because it was not from my bank account. Also, these statements do not have one single charge on them toward the original debt in question. It only shows the debt amount and the monthly fees & interest charged throughout the year which have now increased the debt from {$2600.00} in XX/XX/XXXX to the {$3000.00} that is said to be owed today. I don't understand how they can claim I owe this debt without showing me a single one of the charges they claim are past due. They also failed to include a copy of the original written agreement showing it was indeed me who opened the card and that I agreed to the terms and conditions and my requirement to pay. Finally, XXXX XXXX XXXX XXXX did not provide any information regarding their license and their authority to collect this debt.

It is of my opinion the credit card statements they provided are falsified to look as if they were originally sent to me. Each statement provided is a copy and double sided, however, on some of the statements, the dates do not match what is on the front versus the back. For example, one statement is dated on the front as XX/XX/XXXX - XX/XX/XXXX, but on the back of the page the date is listed as XX/XX/XXXX - XX/XX/XXXX. On another one of the statements, the front is dated XX/XX/XXXX - XX/XX/XXXX while the back is dated XX/XX/XXXX - XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax credit bureau XX/XX/2019, notifying the credit bureau about an error in how an account is being reported. I've tried pleading to them to right their wrong multiple times. Equifax couldn't care less about errors in a customer 's credit report, and refuses to investigate my claim. They avoid investigation of my claims by telling me that they " weren't able to locate my credit file and need additional information to verify my identity '', I mailed the same documents they asked me for, to them three times. This is unacceptable.
Product: Payday loan, title loan, or personal loan

I filed bankruptcy Mariner Finance was notified along with their attorney. Even though I filed for chapter XXXX and have an automatic XXXX in place went a head got a judgement order. By law this is illegal. 

My second issue is I had a little bit of an issue while paying the loan and got a few months behind. I tried to work something out but they told me the only way to get caught up was to take out more loan. They stated no other solution was available. I didn't want to take out more loan but it was my only choice given by Mariner Finance. 

Mariner Finance is a payday type loan company and they are a predatory lender. No one should use them for a loam because they seek out people that are struggling in hopes to end up in court to take people for much more. They are criminal and break federal and local laws.
Product: Debt collection

XXXX did not bill our insurance as we requested, then turned us over to CMRE collection agency. We paid CMRE because we were in the process of applying for a mortgage loan. Since then, our insurance was billed and they have paid. We have been unable to obtain reimbursement for the {$1200.00} that we paid.
Product: Vehicle loan or lease

I'm writing to let you know that the ECOA is being violated by Santander Consumer USA and many other violations I can point out are being committed against me as a consumer. They have benefited from me without me benefitting which is security fraud and the company has gone against the UCC, Trust Indenture act of XXXX, Securities Exchange Act of XXXX & XXXX. I have sent the company this letter I will have attached to this complaint. Also, I'm revoking their POA using the IRS 2848 form and appointing a new POA.
Product: Credit reporting or other personal consumer reports

I had to send another dispute letter out due to incorrect information listed and no response from reporting agency.
Product: Mortgage

PHH did not pay our XXXX taxes. I contacted them in XXXX and as of today they still have not paid the remaining taxes and have not confirmed that any late or lawyers fees were not deducted from our Escrow account. 

Below is the communication I sent them in XXXX. None of this has been addressed by them : I received a letter today that we are delinquent on our XXXX Trash and Hydrant fees at a total of {$400.00}. Last year we received a letter from the XXXX  stating that we were delinquent on our taxes and PHH finally paid that amount in XX/XX/XXXX. However, that amount only accounted for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX taxes. It did not include the XXXX XXXX and XXXX XXXX taxes. Those are with another collection company, XXXX XXXX XXXX. - Original XXXX Tax Bill Total - {$150000.00} - this was not paid in XXXX ( included XXXX XXXX XXXX, XXXX XXXX, XXXX Hydrant XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  ) - XXXX Delinquent notice and threat of lien received for - {$1400.00} - PHH paid {$1400.00}, Homeowner paid remaining {$9.00} to avoid additional PHH delays and lien being placed on home ( included XXXX Real Estate XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  ) - REMAINING AMOUNT OWED to XXXX XXXX XXXX - {$400.00} due ASAP ( XXXX  Refuse and XXXX  Hydrant ) I am requesting 4 things : 1. Details on where I can submit the outstanding amount so it can be paid ASAP 2. Confirmation that the {$300.00} in late fees, interest, and penalties has not be taken from our escrow. If it has, please restore these funds ASAP as these errors were through no fault of our own ( {$270.00} to XXXX XXXX XXXX, {$25.00} to XXXX XXXX ) 3. Instructions on how I can submit for reimbursement of the {$9.00} paid out of pocket. 
4. Requesting that all of the above be expedited. We have been dealing with this issue since XX/XX/XXXX and can not wait 10 days for someone to review and get back to us
Product: Money transfer, virtual currency, or money service

I've spent a whole month trying receive funds transferred to be deposited into my own account XXXX
Product: Credit card or prepaid card

Comenity Bank charged late fees after I closed my account and paid my remaining balance by the due date.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because I have disputed with the XXXX TRANSUNION at least 4 times in a row to no avail regarding an account connected to a company called XXXX XXXX XXXX. I have reason to believe the furnisher within that company is unreliable and is giving XXXX default answers via e-OSCAR regarding the reinvestigations that were commenced. The account as it stands is currently inaccurate and incomplete as a whole. TRANSUNION is liable and I am compelled to sue if it continues to provide me with result answers that is contrary to what is reflected in my consumer report received from its system. TRANSUNION is currently in violation of the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 1 ), 15 USC 1681e ( b ), and 15 USC 1681i ( 5 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Seterus Inc. has been reporting late mortgage payments on my credit report since 2018. When I dispute the account with the 3 major credit bureaus, the debt comes back as valid and they update it and lower my credit score. When I attempt to deal with the actual company reporting the debt, I get no answer from the listed number. When I looked up the company online, it stated that they were out of business. This is not a valid debt and should be deleted from all 3 credit reports
Product: Money transfer, virtual currency, or money service

Coinbase, Coinbase XXXX. Known as, crypto brokerage I felt that the Coinbase did not have a policy protecting the consumer assets. As a victim, I strongly believe the consumer report can intervene in this case on my behalf. 

The incident happened on the XXXX of XX/XX/2022 around XXXX XXXX time. Within " XXXX minutes '' after the hacked transaction, I called the Coinbase to report the issued in hope the company would help stopping the transaction. As of today, I have not seen the responsible action taken regarding unauthorized fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX  XXXX account XXXX, has violated my rights. In accordance with 15 U.S.C 1681c, Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft and inaccurate and incomplete information being reported by EQUIFAX INC After reviewing my credit report I noticed inaccuracies and incomplete information reported by XXXX XXXX XXXX XXXX XXXX off Acct XXXX credit and Charge off Acct XXXX Auto is inaccurate information 15 U.S.C 1681 ( 2 ) ( i ) ( a ) states that a consumer report does not include information solely as the transaction or experiences payment history charge off between the person and the fraudulent account held with XXXX XXXX XXXX XXXX. This is Identity Theft and fraudulent deceptive Credit practice by XXXX XXXX XXXX XXXX. XXXX XXXX does not have my consent to furnish inaccurate information CHARGE OFF accounts, this is identity theft whether it be, nonverbal, written implied or otherwise is revoked. 15 U.S.C 6802 ( a ) ( c ) ( e ) ( 8 ) states that a financial institution may not disclose nonpublic information to nonaffiliates XXXX parties unless consumer is given nondisclosure option. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

*****SEE ATTACHMENTS***** Hi, there is no way that these accounts were ever investigated. delete now. Listen, Im writing to dispute the following negative items accounts that continues to appear on my credit report and profile. These negative items I am disputing are listed accordingly below and Ive either attached screenshots or my actual credit report with highlighted inconsistencies and inaccurate information. Its impossible that these accounts can be investigated because it continues to report misleading, inconsistent, inaccurate, and unverifiable data, and therefore its not in compliance with the consumer laws.
Product: Student loan

I have been paying off each of my loans for Navient early. I get to my second to last loan to pay off and my remaining balance was in the $ 800s with an 6.8 % interest XX/XX/XXXX. Out of no where at XXXX on Saturday XX/XX/XXXX I received an email stating, Congratulations your deferment is approved. Confused, I called them later that day to find out how and the office was closed til Monday so I called on Monday XX/XX/XXXX. I was told my loan was now in Deferment because I was in school in XXXX. I said, but I was only in school for two months and then I graduated, how can a loan go into deferment 4 years later. The rep said she didnt know so I said well I dont need it, if you look back over this year I have been paying off my loans so take it off because it says my loans interest will capitalize. She said okay. Two days later XX/XX/XXXX XXXX I get an email stating the terms of my loan have changed and my new balance is now a little over {$1000.00}. I called them for an explanation. I was told two different things. One I was told I didnt pay interest on my loans and when I refuted and told them I have my 1098 and statements to prove otherwise they came back with a second reason. They then said XXXX now XXXX was suppose to put my loans on deferment and didnt so when they bought it they thought it was on deferment but their records showed other wise so they put it on now and when I requested to remove the deferment it charged them to renegotiate my loan terms ( without warning or explanation by them by the way ). I was confused and asked to speak with a supervisor and they tried to give me the first reason again and I explained to them it didnt make sense so then I asked to speak to her supervisor because the lady said it looks weird to her too. The Operations Supervisor told me that it wasnt suppose to increase that much and all she could do is research it. So I asked her to escalate, she put me on hold and then came back and said something did go wrong and she would fix it. Well, it havent been fixed and the plan is to pay this off this week but I cant because its {$200.00} more and if I pay the amount it was then Ill still  have a {$200.00} balance. Navient deferred my loan unexpectedly without reason to get more money out of me since I paid the other loans off early. The amounts are similar to what they were suppose to make with the others if I would have paid them according to schedule, but instead I paid early. They keep giving me different reasons for the increase in balance and monthly owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a dispute to Experian on XX/XX/2023 to have them remove XXXX XXXX, a medical-collection debt on my credit report. The amount is less than the {$500.00} minimum threshold established under the new credit reporting rules. Experian failed to remove the medical-collections debt and informed me on XX/XX/XXXX that the debt balance had been verified and will remain on my credit report.
Product: Credit reporting or other personal consumer reports

I have detected unauthorized inquires on my credit report. They are from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

This bank kept blocking and locking my account for no reason. I want to close the account but they are charging me a fee for closing the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX  # XXXX {$7100.00} XXXX XXXX XXXX # XXXX {$910.00} XXXX XXXX XXXX  XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX # XXXX {$520.00} XXXX XXXX XXXX # XXXX {$7600.00} XXXX XXXX XXXX # XXXX {$310.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX   XX/XX/XXXX XXXX  Fraud Victim Assistance Department XXXX  XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX  # XXXX {$7100.00} XXXX XXXX XXXX # XXXX {$910.00} XXXX XXXX XXXX  XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX # XXXX {$520.00} XXXX   XXXX XXXX # XXXX {$7600.00} XXXX XXXX  # XXXX {$310.00} Inquiries : XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX. XXXX  XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX  # XXXX {$7100.00} XXXX XXXX XXXX # XXXX {$910.00} XXXX XXXX XXXX  XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX # XXXX {$520.00} XXXX   XXXX XXXX # XXXX {$7600.00} XXXX  # XXXX {$310.00} XXXX XXXX   XXXX XXXX # XXXX {$190.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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