23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

On XX/XX/2018, Mariner Finance initiated a " hard '' pull of my credit history ( on XXXX ) without my verbal or written consent. I was notified of this via a credit monitoring service. I'm currently behind on payments with Mariner Finance and have initiated a complaint regarding their aggressive and bullying collections efforts.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a text notification from my Bank of America prepaid account stating that my balance was less than {$100.00} it seemed at XXXX someone went to the Bank of America branch in XXXX and withdrew {$700.00} cash from my account which I was 36 miles away and had not authorized anyone in and had not done it myself in a panic mode because that was the last of my money I called check my balance and called the bank after a few times I reached out to customer service and filed my card as stolen last they ordered me a new card and told me to call the next day on Monday to speak to a claims customer service representative which then the following day XX/XX/XXXX I did with no availI tried multiple times being hung up on all day long frustrated I tried again the next day and I finally reach somebody and got my claim made she said it looked as though my card had been copied her counterfeited and use without my authorization said my money would be refunded into my account within 24 hours and I need to sign an affidavit and they would send me all that I need to do with the paperwork in the mail and to expect that and to be quick about responding I said yes no problem I asked if I needed to do a police report they informed me no I did not and thats usually the banks job so I was going upon the advice Ive gotten from their customer service claim representative. I wait for the mail after a few days I called and he said that it was on the way so I waited more. I received a letter on XXXX XXXX giving me a claim number and telling me that it was closed because they believe the counter claim has been subject to fraud or suspicious activity any temporary credit which none was given to me from your account and reflected on your available balance of any there was XXXX credit given to me and nothing had been done because the letter was written the day after I had filed my claim in spoken to a claim representative once again I got on the phone trying to get a hold of them. Was told to fax them my affidavit my identity theft claim report and any other information that I had or that was needed to escalate this and they took informed me that my case was escalated and I dont know what escalated means but Im assuming that was reopened on the XXXX I had sent them via fax six pages including my affidavit identity theft report a copy of my notice of furnitures of information and a follow up letter informing them of my unauthorized use and legitimate claim Stating that I would like them to give me any information they had as I would give them any information I did on the Progress and the facts they had or needed regarding this claim! It is now been over 45 days I am unable to reach them and this is not been resolved nor has there been any money refunded to my account I have no phone behind on my rent and no assurances that this will be resolved anytime soonMy livelihood is based upon this income I am a XXXX  XXXX and I have no idea whats going to happen to me after the new year so please refund this money as soon as possible my life is pretty much in your hands thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I mailed dispute letters to XXXX, Equifax, and XXXX regarding the correction of several inaccuracies on the following accounts : XXXX XXXX  # XXXX ...., XXXX XXXX # XXXX ...XXXX XXXX XXXX # XXXX ...., XXXX XXXX # XXXX ...., XXXX XXXX XXXX XXXX # XXXX. 

Pursuant to 15 U.S. Code 1692g, letters requesting the validation of debt were mailed on XX/XX/XXXX directly to XXXX XXXX XXXX XXXX # XXXX. 
In accordance to 15 U.S. Code 1692g, XXXX XXXX XXXX XXXX # XXXX was to provide a breakdown of what the past due balance is for and a copy of the original signed contract from the original creditor. 

Pursuant to FCRA section 609, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, a request for copies of the original signed contract/agreement/application was sent to XXXX XXXXXXXX # XXXX ...XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ...., XXXX XXXX # XXXX XXXX.. 

As of today, the credit reporting agencies ( XXXX, Equifax, and XXXX ) and credit furnishers have yet to respond back to the disputes, debt validation, and section 609 requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, and XXXX have investigated my account for over 30 day period. FDCPA says this is a violation as well as Federal violations.
Product: Student loan

Issue # 1. Navient is charging illegal fees to me during the XXXX discharge process. This obviously needs to be stopped. # 2. Navient needs to be aware that XXXX may be reporting my last name incorrectly, and they need to communicate directly with XXXX to insure my application is being processed correctly and expediently. Including reading the attached complaint regarding my issues with XXXX so they can take action on their own to resolve issues with communication and potential clerical errors directly with the source. I have severe mental illness. My spouse is helping me. The form for authorization is attached. It's harming my health to have such issues with these servicers. The stress is causing a list of symptoms. I need help. They arent listening to my spouse either. Issue # 1. Got a notice from XXXX ( who obtained some but not all of my loans from Navient ) that my application for XXXX discharge is being delayed by XXXX because they spelled my name incorrectly. They wont communicate directly with XXXX, they said I have to. We tried, and XXXX refused to investigate the issue or it appears even to read our concerns and sent an auto generated message signed as if a human read and responded when they did not. We tried to remedy this issue three different ways before coming back here to utilize the CFPB complaint portal, yet again, for unethical customer service practices of the student loan servicers. Issue # 2. Navient is trying to charge me for my loans and saying I have payments due even though they have been notified of the XXXX discharge process which is in direct violation of federal legislation. Note : The customer service reps that have responded to these complaints in the past are not allowed to handle my file any longer, they have a conflict of interest because they are a part of the problem and I have direct previous complaints against them on an individual basis. See screenshot for evidence of Navient charging fees illegally. I have years of history of discrimination by the student loan servicers and US Dept Ed as a XXXX female, and this is my final attempt at resolution to preserve my health conditions from worsening before I officially secure a Federal Civil Rights Attorney. I am serious. This treatment needs to stop. I more than qualify for XXXX discharge and I will receive it, in a timely fashion, and the derogatory information about me and stone-walling will stop or I will file and win in federal court to force it to stop. My XXXX XXXX has reached out to XXXX multiple times, the XXXX branch of XXXX seeking help, and literally never even received a response. It is a disgrace.
Product: Credit reporting or other personal consumer reports

I have sent many requests and disputes to PORTFOLIO RECOVERY ASSOCIATES about the date entered in reference to an account that I opened with XXXX XXXX in XXXX of XXXX. I have requested proof of the account and disputed this account more than XXXX with experian and to no avail. They have illegally re-aged my account reporting that it was opened on XX/XX/XXXX. This is false and they have failed to correct after many requests. With this XXXX XXXX year re-age gap this account would be removed from my credit account because of the 7 year law. Please assist in having this debt buyer uphold the consumer laws and fix the information being reported to the credit bureaus.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, AND XXXX ARE REPORTING INACCURATE INFORMATION.
Product: Credit reporting or other personal consumer reports

In accordance with the legal principle " Notice to an agent is notice to a principal, and notice to a principal is notice to an agent, '' I am writing to you regarding the information reported on my credit report. 

I have received a copy of my credit report provided by Experian, and I have noticed that transactions related to the XXXX XXXX  account with the number XXXX have been incorrectly marked as late payments. 


According to FCRA 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) : Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include : ( i ) Reports that contain only information about transactions or experiences between the consumer and the person making the report. 

This means that consumer transactions are excluded from consumer reports. FICO and/or any other risk score or algorithm used to calculate a consumers credit score is not part of what defines a " consumer report '' under the law. The legal definition of a consumer report is as follows : Consumer report. The term " consumer report '' refers to any written, oral, or other communication of any information by a consumer reporting agency that relates to a consumers creditworthiness, credit standing, character, general reputation, or mode of living, and that is used or expected to be used in whole or in part as a factor to determine the consumer 's eligibility for : ( a ) credit or insurance for personal, family, or household purposes ; ( b ) employment purposes; or ( c ) any other purpose authorized under section 1681b of the title.

FICO or any other credit scoring algorithm is not defined or included in this legal definition of a consumer report. Therefore, the report of transactions between the consumer ( myself ) and the entity ( XXXX XXXX  ) constitutes a violation of 15 U.S.C. 1681a.

Additionally, according to 15 U.S.C. 1666b, on the timing of payments : Timing of payments. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the information required by Section 1637 ( b ), is sent or delivered to the consumer at least 21 days before the payment due date.
Product: Payday loan, title loan, personal loan, or advance loan

Notice of Billing Error Effective Immediately, Breach of Fiduciary Duty, Notice of Cease and Desist Name : XXXX XXXX Account # : XXXX Statement Date : XX/XX/2023 Amount : {$660.00} Notice of fact there is a billing error pursuant to Regulation Z the determination of financial charge and APR Pursuant to 15 USC 1607 ( e ) and 12 CFR 1026.23 ( a ) ( 3 ).

Per 15 USC 1666 ( b ), Personify Financial also failed to reflect properly on the statement. If I owe a balance it should reflect as negative but it is clearly showing as positive on the statement and on the dashboard of the account. This is a billing error. There is also an identification error pursuant to 19 CFR 149.3 because I didn't need to provide a name and address, but only a number to identify who is liable and the social security number is liable. I provided Personify Financial the social security number which make them liable for the number. Pursuant to Regulation Z subpart b 1026.13 a6 I request a reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence. I request documentary evidence on account ending in XXXX. 
According to 15 USC 44, documentary evidence includes documents, correspondence, book account entry, accounting ledger, which involves all derives, and assignees in connection to XXXX XXXX. I want this information so that I can see who funded the account and to clarify how much is owed according to the journal and ledger entries from the date of open of this account as described in IRS Publication XXXX. On the public and private side showing account receivable and payable. Billing error notice was sent to your email address on XX/XX/2023 and certified mail, however you have now reported a late payment on the consumer credit report which is another violation. 
It is a Fact, that A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 USC 1666 ( e ) for failure to comply with any of the requirements. 
Please provide me a response in writing within 30 days of the original date of my notice sent which is dated for XXXX 're also furnishing this to the consumer reporting agencies without my written consent, nor have you provided me in writing the option to opt out. All are violations! Personify Financial has also stated the 1099C that I received is a fraudulent document even though I have submitted documentation showing it was received by the IRS. Please provide me documentation to support your claim of the 1099c being a fraudulent document. If not received I will submit a request for audit of Personify Financial to the IRS. I am invoking my rights pursuant to 15 U.S.Code 1692c ( c ), I demand you to cease any communications and collection activity of this alleged debt until you can provide me with the requested information in this affidavit herein.
Product: Debt collection

I have contacted this company numerous times of a debt that I do not owe. Dates are inaccurate. Amount of debt is inaccurate. Ive reached out to this company and no one Eve answers the phone. Ive sent in proof that the debt doesnt belong to me.
Product: Checking or savings account

On XX/XX/XXXX around XXXX at night I deposited a commission check for {$1800.00} into a ATM, the ATM took the check and did not say it received anything and did not return the check. I called the customer service line right away and was on the phone with them for about 2 hours before they said the dispute 's center was closed. I called the dispute 's center the next day to let them know, and the opened a claim which I was on the phone with them for another hour, I let know also I had a picture of the front of the check with all the account numbers and names and amounts, but they said they did not want it. Then on XX/XX/XXXX, I got a notification that my account was overdraft because they closed the claim and said they haven't found any check. I went to the branch the ATM took my check on XX/XX/XXXX and they said they there was nothing she could do, after I was there about 2 hours in total waiting in line talking to the teller waiting for the manager, and talking to the manager and I had her call the claims Department and was on the phone with them for over a hour and they said there is nothing they can do unless I had the ATM footage of me at the ATM on that date, the branch manager said she would escalate it and see if we can get the footage on the ATM. I told them I had the picture of the check, and that I needed them to deposit it because my account was over drafted almost {$1000.00}, they suggested I do the electronic despot on the app, and assured me as long as I did it before XXXX XXXX, I would be fine. I called the escrow office that issued me the check to verify the funds were still in the account and no one else has cashed the check, and they did say funds are still available, its never been cashed. I did the mobile deposit that same day at about XXXX XXXX. The next day it showed the deposit was on hold, and I had payments that were returned because the account was negative, I spent over 4 hours that day speaking to about 10 different reps in different departments because no one wanted to help me and they kept transferring me to the wrong departments and when I did get a manger on the phone they pretty much said that there is going to be a hold on my account until XX/XX/XXXX because my account is negative, because they lost my check originally. As of today XX/XX/XXXX I have had 4 payments returned so far, which I am going to get assessed returned payment fees.
Product: Debt collection

My ex-husband and I owned real property. In our divorce, he was awarded the real property. I signed a QuitClaim Deed to him for my interest in the property. He failed to pay the condo association dues for the real property. The dues were sent to a collection agency. I only learned about this when I saw an account in collections on my credit report. I contacted the collections agency via telephone and certified mail and informed them that I did not own the property and was not responsible for payment. I also sent them XXXX the recorded QuitClaim Deed and the divorce decree. My ex-husband has since paid the dues, however the collection agency refuses to remove the account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts being disputed is unknown and unauthorized by me. I'm asking for these following accounts to be removed from my credit file. 

1 ) XXXX XXXX {$1600.00} 2 ) XXXX XXXX {$170.00} 3 ) XXXX XXXX  {$240.00} 4 ) XXXX XXXX XXXX {$110.00} 5 ) XXXX XXXX XXXX {$860.00} 6 ) XXXX {$47.00} 7 ) XXXX XXXX Account Info
Product: Credit card or prepaid card

XX/XX/2021 unauthorized charges on XXXX card were not refunded. Also fees that have be paid block incoming deposits and causing problems with credit score at bank and merchants used at.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiry currently listed on my XXXX XXXX, XXXX, and Equifax credit report is unauthorized and not my hard inquiry : XXXX XXXX XXXX, XX/XX/2023
Product: Debt or credit management

I apply for credit card care credit I was denied I would like to know the reason why I wasnt approved
Product: Credit card or prepaid card

I received a Visa Vanilla gift card for XXXX XXXX in the amount of XXXX. I registered it in XXXX on their website so I could use it for a vacation that was coming up. Tried to use it for cabin rental on XX/XX/XXXX and it was rejected. I called the number on the back of the card to find there was only XXXX cents left on the card, and that the charges to this card started in XXXX as soon as it was registered. XX/XX/XXXX XXXX, XXXX XXXX and XXXX, XX/XX/XXXX cents, XXXX and XXXX cents. I filed a complaint with the company on XX/XX/XXXX. I have not received any kind of notification from them at this time. This card has never left my house!! When I checked the reviews on this company and their card they were awful. People are having the same problem that I am. I feel they are fraudulent. I am so upset about this. I don't think I will ever hear back from this company and it is just my loss. They said it could be 45-90 days before a decision could be made, and since it is like a debt card possible nothing will be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX continuously contact XXXX XXXX  multiple times about this fraudulent charge on my account for {$290.00} on XXXX XXXX. The representative claimed they forwarded it to the fraudulent specialist but I was never contacted. I XXXX XXXX again contacted XXXX XXXX  XXXX XXXX The supervisor stated to me that there where going to forward my complaint to the fraudulent team. No one ever gave me a call or send me mail to my home.I XXXX XXXX again contacted XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. 
Finally on XX/XX/XXXX am email was sent to my email stating that XXXX XXXX  sent my concerns to the fraudulent team. I am still waiting!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$180.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report, I notice an account from XXXX XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2020, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters along with my Identity Theft Report to the three credit bureaus on XXXX XXXX and XX/XX/2020 asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX were reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Debt collection

This company is trying to collect on a debt that I don't owe. Each time I ask for proof of ownership, they sent me a bill with an address that I don't even recognize. I would like for the company to provide me with the following information if they believe it is debt. 

Proof of Debt Ownership : A copy of the original agreement with the original creditor that bears my signature, or other documentation proving that I am legally responsible for this debt.

Chain of Custody : Documentation showing the full history of the debt, including any transfers or sales of the account, to confirm your legal right to collect it.

Verification of Debt Amount : A breakdown of the total amount you claim I owe, including principal, interest, fees, and any other charges. 

Details of the Determination Process : A detailed explanation of the process your agency used to verify that this debt belongs to me and that the amount is accurate. 

Proof of Licensing : Evidence that your agency is licensed to collect debts in my state, if applicable.
Product: Credit reporting or other personal consumer reports

Fraudulent accounts and inquiry on my credit report Fraudulent accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fraudulent inquiry XXXX bank XX/XX/2024