23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX keeps calling and leaves no messages. They called on XX/XX/XXXX at XXXX then again at XXXX and XXXX. Then on XX/XX/XXXX they called at XXXX. Today, XX/XX/XXXX theyve called at XXXX, XXXX, and XXXX. I wouldnt be surprised if they called another several times today! This is ridiculous. They keep calling from XXXX ( XXXX ) XXXX.
Product: Checking or savings account

At the end of XX/XX/2023, I received over 32 letters of " claims '' that were filed, in which I did not request or authorize. During this time, I continued to receive these letters of reversal payments from credit cards, companies I am no longer affiliated with, and other companies I have never heard of, and when I called Chase Bank to address this situation by phone, I was put on hold and waited over 2 hours and no one returned. I then received letters stating that " We have completed our research, and find that these claims were processed correctly, therefore we are going to be withdrawing funds from your account. '' After receiving these letters from beginning to mid XXXX, I went to the company, again Chase Bank and spoke to someone about this issue, and they just closed my account and stated, " We no longer wish to do business with you, you are to repay these funds, and this amount ( of over {$10000.00} ) will be sent to collections. '' I then took it upon myself to call the companies that " authorized '' these reversal payments and after speaking to them, they were left with a lot of confusion and told me, " We do not authorize or perform reversal payments, I am not sure who told you that. '' I have all documentation and names of all my lenders and people I spoke to at Chase Bank, and can provide evidence upon request.
Product: Student loan

My loans are currently in Forbearance and held by Aidvantage. They are not meant to be accruing interest due to being in forebearance while the SAVE plan moves through court, but interest has been accruing despite this.
Product: Credit reporting

I contacted the creditor and they acknowledged that the account was in error and that I did not owe the amounts in question. I have a letter from the creditor stating the same. The creditor contacted all three credit reporting agencies to correct the information and only Experian continues to have the account as legitimate.
Product: Credit reporting or other personal consumer reports

This is a follow-up regarding my recent complaint dated XX/XX/XXXX. I am submitting a complaint today to inform you that I was a victim of erroneous reporting. I have re-attached my identity theft report, and per FCRA section 605B, Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the attached documents to assist in the removal of the incorrect personal information, accounts, and inquiries that have been posted to my report. Here is the list of items that were opened without my consent : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Owed : {$5500.00} XXXX XXXXXXXX Balance Owed : {$5300.00} XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX -- -EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX : {$5300.00} XXXX XXXX Balance Owed XXXX {$5300.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XX/XX/XXXX -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed XXXX {$5500.00} XXXX XXXX Balance Owed : {$5300.00} XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ), the Credit Reporting Agencies must remove any items in a consumer 's file that the consumer identifies as resulting from identity theft within 4 business days of receipt.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Equifax for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Account Name : XXXX  Account Number : XXXX Date of Charge XXXX Amount : {$0.00} I previously submitted a dispute to Equifax regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the inaccuracies and requesting its removal from my credit report, Equifax failed to conduct a thorough investigation and the disputed account remains on my credit report. 
As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Equifax 's failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Equifax for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Equifax upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account with the email address XXXX. I believe that this limitation has been enacted in error and request a thorough re-investigation of my case. 

First and foremost, I want to emphasize that I have always been committed to adhering to PayPal 's policies and guidelines. To the best of my knowledge, I have not engaged in any activities that would warrant such a severe action. I value my PayPal account and the convenience it offers for my online transactions, and I have taken all necessary precautions to ensure its proper use. 

Considering the gravity of this situation, I kindly request that PayPal re-evaluates the circumstances leading to the permanent limitation of my account. I believe that a thorough review will confirm my compliance with your policies and demonstrate that this limitation was, indeed, placed in error. 

It is my sincere hope that, upon re-examination, PayPal can restore my account to its previous state, allowing me to continue using your services. I have always appreciated the security and convenience that PayPal provides, and I would like the opportunity to continue using it responsibly. 

I understand that errors can occur, and I believe in PayPal 's commitment to ensuring fair and just resolutions for its users. I kindly ask that you prioritize this appeal and conduct a prompt and thorough review of my account. 

Thank you for your attention to this matter, and I look forward to a swift resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is ignoring their obligations under 15 U.S. Code 1681s2. For account ending XXXX aka card number ending XXXX, XXXX XXXX decided to mark the account charged-off beginning XXXX XX/XX/XXXX, yet the account was alleged charged-off on XXXX XX/XX/XXXX. The Date of First Delinquency would thus be within the nexus of the XXXX XX/XX/XXXX. Yet, the data XXXX is supplying to Experian indicates the account would continue on-record into XX/XX/XXXX. That date is beyond the 7-year period and indicates the date of first delinquency is reported on or around XX/XX/XXXX, instead of a date within 150 days BEFOR XX/XX/XXXX. Moreover, the same issues are evidenced in the data XXXX is reporting to XXXX, as XXXX has consistently received updates from XXXX, in which XXXX claims the Date of First Delinquency is XX/XX/XXXX. It should also be noted the XX/XX/XXXX date is NOT supported by the payment history furnished to the CRAs by XXXX, with both XXXX and Experian showing the month of XX/XX/XXXX " paid on time ''. Thus, XXXX is supplying false/misleading/inaccurate information it knows, or has reasonable cause to believe is incorrect. In their response to { XXXX, XXXX and XXXX }, XXXX reerences the table supplied in response to XXXX, alleging the account is being reported as " accurate '' because it is consistent with the table of information provided. Yet, the table provided itself shows an alleged past-due payment that was thirty ( 30 ) days past-due in XX/XX/XXXX, and miraculously one-hundred twenty ( 120 ) days past-due for the month that followed, making a difference of ninety ( 90 ) days past-due over one ( 1 ) billing cycle.That payment history on its face is false/misleading/inaccurate. XXXX has engaged in acts and practices that are unfair, deceptive, and abusive and has sought to cover their XXXX by providing contradictory, misleading, inchoate statements in response to CFPB complaints. There is nothing lawful about their behavior and XXXX needs to take accountibility for their own incompetence instead of trying to justify incompetence and punsihing a person with a documented learning XXXX that has been afflicted with XXXX  ( also XXXX ) during this entire ordeal. It would appear to be " XXXXXXXX XXXX '' providing the XXXX in the XXXX XX/XX/XXXX response and then copying the same XXXX into the XXXX XX/XX/XXXX response. Each person touching the account during an " investigation '' has provided their own spin on XXXX which has been contradicted others.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is inaccurate. 

Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX And so with this, the late remarks started 120 days. 

XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 120 XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 150 XXXX
Product: Credit card or prepaid card

I have my XXXX XXXX XXXX American Express ( AE ) card for over a year, and I always paid the balance in full and on time. However, I missed the payment of {$1800.00} on XX/XX/XXXX deadline, so I immediately made a full payment of {$1800.00} on XX/XX/XXXX. 

The 2-day late payment cost me {$88.00} of interest charge which I could not believe it. I contacted AE customer service ans asked why it 's so much for 2-day interest and was told that it was based on 18.75 % APR ; however, it should have never been that much, even the customer service advised me it seemed very high! Subsequently, I was charged another interest of {$73.00} on XX/XX/XXXX for the same late payment on XX/XX/XXXX. Again, I contacted AE and was told there 's nothing they could do to reverse the charges because everything was done by computer. I was so outraged and wanted to cancel the card ; then, I was advised that I would loss all the benefits and points that i have earned last 12 months if I cancel my AE card. So I have no choice but to keep the card untill I use up all my benefits
Product: Debt collection

I called in to make payment on my accounts, I asked about interest on one of the accounts and the male rep got hostile with me, I asked for his supervisor and the male supervisor got on the line and had the same hostile tone. At no point did either representative read me the mini Miranda. Also, when I asked to speak with another manager, the current manager hung up on me. I have all of this on recording. I called back a second time and tried to explain what just happened and got treated the exact same way and he hung up on me. During the call he refused to provide me with his name and the names of the XXXX previous representatives.
Product: Debt collection

Spring Oaks Capital reported a collection debt of {$1100.00}, but I never received a check. It does appear on my XXXX credit report opened date XX/XX/2023, reporting a high balance of {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX. XXXX have no other recourse but to file a complaint with the Consumer Financial Protection Bureau, because XXXX XXXX  refuses to protect my rights under the Fair and Accurate Credit Transactions Act. I was a victim of identity theft by my ex-wife during divorce proceedings, and XXXX XXXX  as well as their respective lawyers trying to collect this debt are aware of all of the facts. If XXXX XXXX  ever decided to take legal action on this indebtedness, they will find the case thrown out of court with prejudice. Accordingly, the only thing that XXXX XXXX  can do is damage my personal credit rating to partake in this fraud. I believe that any continuance on collections must cease and desist immediately, and that any reference to this account on each credit bureau should be deleted permanently. Identity theft has been proved and the attached documentation shows my position to be honest, along with a final divorce decree by the judge in said case docketed as XXXX, XXXX XXXX, Commonwealth of Massachusetts, Probate and Family Court Department. XXXX XXXX continuing with a negative reporting of the XXXX XXXX credit card on all respective bureaus is a violation of their subscriber agreement whereas honesty and integrity must be maintained and consumers rights under the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act and the Fair Debt Collection Practices Act must be strictly adhered to. My complaint is solid and based upon a true definition of identity theft. My name must be cleared across the board on this matter. 

XXXX XXXX. XXXX
Product: Student loan

My complaint is for Navient autopay practices. My expected payment amount of {$340.00} did not occur on the designated date ( XXXX ). Instead, I was charged a overdraft fee even though the expected debit amount was available. I received a letter from Navient dated the day of my expected payment ( XXXX ) letting me know that my payment amount would change to {$1000.00} beginning the following month ( XXXX/XXXX/2017 ). However, Navient debited my checking account on the designated day ( XXXX ) for {$1000.00} instead of {$340.00}, hence the reason for the overdraft fee. Needless to say, I was severely impacted by the loss of {$690.00} of my funds plus the overdraft fee. Note that XXXX, the day of the debit is the same date on the letter. Therefore, there was no advanced notice from Navient that my payment would change in XXXX ( versus the letter stating it would change in XXXX ). When I called to explain this and request a refund, I was told I they would have to do a forebearance on my account. For which I totally disagreed and requested to speak with management. After waiting approximately 20-25 for a manager, the representative returned and said the manager agreed to request my account not to go into forebearance, agreed to refund me the difference of {$690.00} ( but it would take up to 15 business days ) and that I would have to send/fax a copy of my overdraft fee in order to get that reimbursed. The impact of have {$720.00} ( {$690.00} and {$29.00} OD Fee ) removed from account is detrimental. Especially with no warning. No knowledge means no consent. I was told that I was made aware two years ago that the payment would change. Two years ago. To which I responded, the notice from two years ago was sent to me in order to agree with the change or make other arrangements. That notice two years ago came prior to the change occurring at that time. There are breaks in Navient 's controls : A notice of payment change dated the same day as the debit occurs ( no prior notice or consent ). A notice that states the change will occur on the following month, but occurs the month before the notice is received ( deceptive ). The notice stating if your auto pay amount changes, Navient will provide at least a 10-day notice before the next auto pay ( false statement in this case ). The amount debited without knowledge not being able to be returned for up to 15 business days ( abusive ). The possibility of forebearance on your loan for Navient 's lack of controls ( unfair ). All of that to say : Navient has not exercised fair practices. I find this an abuse of my rights. Who knows if others have had this happen to them or the long term consequences of Navient 's actions. Will this have an impact on my loans, my interest, or my future payments because something will have to be adjusted on their end? While it appears that my issue is being corrected, I find it very disheartening that Navient operates in this manner.
Product: Debt collection

Ive received numerous harassing calls from XXXX XXXX XXXX  for my Lowes account that I purchased a {$200.00} microwave on. Paid on my Lowes acct for 6 months then did a debt consolidation and closed my Lowes meanwhile Lowes continued to charge late fees to the sum of {$460.00}. I disputed multiple times on the amount owed with Lowes and XXXX, neither correcting the late fee charges. Ive explained multiple times to contact XXXX XXXX whom my debt consolidation is with. They refuse. Now they have put it on my credit report.
Product: Debt collection

Fair Collections & Outsourcing Inc. advised me that they do not delete debts and I understand that I did not sign a contract with them for this debt that was owed to XXXX XXXX  account XXXX. This debt was settled and paid, but has been causing my credit score to be low. <P/>I was not aware of my consumer rights for accounts that were sold to debt collection agencies. <P/>Since I did n't have a contract signed with Fair Collections & Outsourcing, this debt should not be reported because I also have no payment history established with them. <P/>I would like this to be deleted from XXXX and XXXX <P/>The date this was recorded as paid was XXXX/XXXX/2014.
Product: Student loan

In XX/XX/XXXXI called to see about some repayment options while I handled personal credit card debt. While on the phone I had been transferred multiple times and getting the same run around from every associate. I called again on XX/XX/XXXX because I was behind on my payments. Once again I get the run around and this time I am being told there is nothing they can do because it is a private loan. The associate by the name of XXXX was verbally abusive and not cooperating with me. I told her my financial situation and what I can do to manage it before it gets out of control. She continued to say there is nothing she could do to help and kept berating me. I eventually had to hang up on her. It seems there only goal is to continue to push for repayment after explaining my circumstances. I don't know where else to turn at this point. The school that I attended has since closed down. They were a for profit institution and pushed the outrages loans on myself and everyone I went to school with.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX SSN # XXXX. Identity fraud : This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The false accounts consist of a credit card at XXXX XXXX opened XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX. XXXX  XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX. XXXX XXXX XXXX  accounts both in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB complaint : XXXX filed XX/XX/2022 against Experian Credit Bureau is still not completed as of XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this Account XXXX XXXX XXXX   XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to get free annual credit report via annualcreditreport.com website. 

Attempted to get XXXX report online via the above-mentioned website, as required per Federal regulations. 

Received an error and was referred to XXXX via annualcreditrepot.com. XXXXXXXX referred me back to annualcreditreport. Annualcreditreport has no XXXX  mechanism to contact customer service and report a problem.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 : I received a notification that Apple/Goldman sachs closed my apple credit card with no information or notice. When I contacted support they were unable to provide any information other than my account will be reviewed within 5-7 business days and I would hear back. 

XXXX : After not receiving a response or any information I contacted support again only to be told my account was still under review and they were unable to provide any further information. I was told again It can take up to 5-7 business days.. 

XX/XX/2021 : Contacted support for a third time. This time I was given a phone number an advised that I would need to call a specific team to discuss my account. 

I called XXXX to be told my card was closed due to expected fraud. I have never experienced fraud nor have I ever used my account in a way that violated the agreed to terms. They explained that they received a fraud report. This is when I realized that my husband had disputed my apple account on his credit report. I had shared my Apple Card with my husband to allow him to use the card on his phone as well. I was unaware that sharing access meant the card would be reported under his credit report. 

During this time my husband and I were refinancing our home. Our mortgage broker indicated we would get a better rate if he removed my Apple Card from his report. My husband when to the credit agencies to have this removed. He selected the option that indicated that it was NOT fraud but that the card belonged to a family member and that he didnt want it on his report. 

I explained this to Apple on 2 or 3 separate occasions. I offered to provide documents to prove who I was and that my husband did not intend to close my account. 

XX/XX/2021 : I contacted and asked to speak with the fraud department. I explained the situation again was again promised a callback from a supervisor and that my issue was escalated. I was given a 24-48 hour turn around but again no one called. 

I have tried repeatedly to contact Apple/Goldman Sachs to resolve this issue and reopen my account but have experienced extremely poor service. This is a newer account that is carrying a balance. Closing the account summarily will effect my credit. I would love to continue being a customer and having access to my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.