23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My loan was transferred from XXXX to Navient in XXXX. I set up automatic payments through my bank utilizing the information Navient sent to me. My bank has made two monthly payments sent XX/XX/XXXX and XX/XX/XXXX. The 1st was returned to my bank XX/XX/XXXX stating I had the wrong account number. I sent with loan # instead of account #. I corrected the information for the second payment which they received and did not apply to my account. I contacted them and sent them additional information and they can't seem to locate whose account they applied my payment to. I submitted additional information reference the payment and they advised that that was not enough information to locate my payment they needed more but when I asked what they needed they stated a copy of my statement. The information had their bank transaction number on it. The second payment they just sent back two weeks after I paid them stating again that the account number is wrong even though I contact them by phone with the same account number. They then requested i pay them the outstanding amount that they lost and the money that they just sent back over the phone to them. I have no problem with paying them what I owe them but they have made no effort to locate the payment that they have received and discouraged me from sending them a paper check. I lack confidence in them actually applying a payment to my account correctly. I mailed them the second payment the first payment is pending further investigation by my bank. They have also tacked on late fees to payments in which they keep sending the money back.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS : XXXX XXXX XXXX # XXXX XXXX BANK XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting an alleged late payment that they have not verified by tangible/visible proof! 


in accordance with the fair credit reporting act XXXX XXXX  acc # XXXX violated my rights 15 u.s.c. 1681 section 602 a states i have the rights to privacy. : it also states a consumer reporting agency can not furnish an account without my written consent or instruction!

last but nor least according to 15 usc 6802, NO FINANCIAL INSTITUTION IS ALLOWED TO SHARE MY PURDNENT INFORMATION WITH A THIRD PARTY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter of method of verification to the collection agency Professional Finance Company for reporting inaccurate information on my credit reports. They have failed to comply with my request.

Professional Finance Company Acct # XXXX 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: Checking or savings account

Chime bank Advertised through email and app a special promotion. a referral bonus of {$500.00} will be issued after you invite a friend to sign up and they complete specific requirements! I sent many invites to numerous people solely for the bonus incentive! 1 invite joined and fulfilled all necessary requirements in order to receive the special {$500.00} referral reward! Chime bank only sent me {$100.00} I immediately contacted chime as soon as I seen this missing funds! The representative assured me that I and the one I referred completed all necessary requirements in order to receive such bonus and that I should wait for it to reflect! I asked the representative to put notes on the account regarding this issue just in case because Ive heard of chime not honoring bonuses a lot! also, The calls should be recorded for proof! the next day I still didnt receive the {$400.00} in missing funds so I proceeded to contact chime, the supervisor told me I did not receive the bonus because I didnt meet the requirements.. which contradicts both the previous representative, The terms and conditions, as well as the {$100.00} bonus I did receive! Chime is manipulating customers to refer new customers with high bonuses they dont actually honor! I and many people have fell victim to chimes tactics to recruit new members fulfilling all requirements and being told to wait for a deposit that wont come! Chime is false advertising and should be investigated for such!
Product: Credit card or prepaid card

The card rejects all the purchases on my Mastercard and XXXX card issues by BOA. I have contacted them 3 times but they refuse to discuss it unless I confirm the text message sent to me. I DON '' T HAVE TEXTING SERVICES.

It looks like an unprofessional supervisor initiated these limitations knowing that I don't receive text messages.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts above. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Debt collection

I tried to contact the company and say that someone stole my identity but nothing was done
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 violate 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 deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconve
nience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate 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 deceptive, 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: Credit card

Company is persisting in charging late fees on payments even though the payment was delivered and recevied on-time. They have done this twice. The first time they reversed the late fee. The second time they refused. My payment was delivered the day it was due but it took them 5 days to process and post the transaction.
Product: Credit reporting or other personal consumer reports

My SSN has been used as a personal gain. I have reported the criminal activity to the appropriate authorities. My file keeps showing over time FCRA violations : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) I am requesting the fraudulent items are removed immediately : XXXX. XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX XXXX XXXX XXXX $ XXXX : XX/XX/XXXX XXXX. XXXX : $ XXXX : XX/XX/XXXX XXXX. XXXX XXXX : {$4700.00} : XXXX? 

Unauthorized Inquiries : XXXX XXXX  : XX/XX/XXXX ; XXXX XXXX XXXX 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: Credit card or prepaid card

My credit card account with Capital One was closed, a balance of around {$5800.00} or more left on it, well over my credit limit in the amount of {$5000.00}. I do not have account number available to me at this time. Prior to this, I attempted in good faith to lower payment amounts/work out a payment arrangement. Capital One does not offer any hardship program, did not offer any kind at the time. There are several fraudulent charges on the account, I attempted to make these arrangements despite these charges. The live chat rep at the the time would not cooperate and stated to wait until a recent payment posts before making any kind of future arrangements, a prior CFPB complaint was made pertaining to this and against that rep in question. The account was later charged off due to failed attempts at lowering payments and resolution of fraud charges, account sent to an attorney here in Connecticut. The attorney was offered a settlement amount of which I do not recall, however, he did not accept it. On XX/XX/2018, a close out check in the amount of {$4200.00} was sent from Capital One via XXXX, intercepted by a third party and cashed in my name fraudulently. This amount represents the remaining balance in the Capital One 360 Checking account. I was in XXXX XXXX at the time check was left at my address, intercepted by third party and cashed. I did not receive any of the funds, numerous CFPB complaints made pertaining to this issue and unresolved, Capital One will not reissue check or investigate further, despite information I provided showing I did not receive funds. If Capital One will mark my credit card account as paid in full with a XXXX balance, I will consider this matter as resolved. If not, Capital One will not see any payment on account as again, there are fraudulent charges which were made on it and I am owed {$4200.00} for intercepted check. If they will accept this amount as payment in full, this will resolve both issues. Failing to accept this offer, Capital One will not see any payment on account and additional complaints filed in regard to intercepted check and funds owed to me. I believe this is a fair offer
Product: Checking or savings account

Tuesday, XX/XX/XXXX I received three emails back to back about my account closing with no explanation whatsoever. They closed my account the day I was suppose to get paid, I dont have any fraudulent activity on my account, no one has access to my account besides me so I know everything thats going on in my account. I am a XXXX  at XXXX  and that is my ONLY source of income. This put me in a really tough situation because I have bills that was suppose to be paid yesterday and due to the lack of care I dont know whats going to happen and now I have to wait. 

I bank with Chime
Product: Vehicle loan or lease

I asked for a 60 day deferment in order to finish a course that would lead to full time employment. Before the end of the 60 day term I began being contacted incessantly by Regional XXXX, although the phone numbers were from an entirely different state than where they are based. Which I found odd and misleading. The company than hired some wired third party to come and talk me on my property and take pictures of my vehicle and then give me a letter which was complete nonsense. After this they called my father in law and knowingly disclosed my financial information to him. Even though he is not on the account and is not associated with me. I believe this constitutes harassment and violates the FDCPA.
Product: Credit reporting or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may n treat a payment on a credit card XXXX  account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Subject : Dispute Letter Regarding Involvement in XXXX Data Breach To Whom It May Concern, I am writing to formally dispute inaccuracies on my credit report stemming from the 2017 XXXX data breach and to assert my rights under the Fair Credit Reporting Act ( FCRA ), as codified in 15 U.S.C. 1681. 

It has come to my attention that my personal information have been compromised due to the breach, leading to unauthorized activity and inaccuracies on my credit report. Under 15 U.S.C. 1681i, I have the right to dispute any information that is incomplete, inaccurate, or unauthorized. Furthermore, under 15 U.S.C. 1681c-2, I am entitled to take measures to protect my personal and financial information.

To address this matter, I request the following : 1. A thorough investigation into two ( 2 ) XXXX XXXX  XXXX XXXX XXXX XXXX on my credit report. 
2. Immediate removal of both fraudulent XXXX XXXX  XXXX XXXX XXXX XXXX. 
3. Written confirmation that the requested changes have been made. 

For your reference, I have attached a copy of my credit report with the disputed items highlighted, along with copies of my identification and proof of address. 

Please provide a written response detailing the outcome of your investigation within the timeframe prescribed by law. Failure to comply with your obligations under the FCRA may result in further legal action to protect my rights. 

Thank you for your prompt attention to this matter. Please contact me at XXXX or XXXX if you require any additional information. 

Sincerely, XXXX XXXX
Product: Student loan

On Tuesday, XXXX XXXX, XXXX : I finally spoke to a Floor Supervisor from Navient, Inc, the Lender for my Student Loan. 
I was told that Navient changed the dates on my Forbearance ( without my knowledge ) and that they found errors in their own system with their billing. I was to begin payment on XXXX XXXX, XXXX ( my e-mail shows that ) and they are telling me their system made a mistake, and that my Forbearance was " supposed to end '' on XXXX XXXX, XXXX. They told me that I must either go into Forbearance if I can not afford the " missed '' payment ( Payment was never missed as the payments were supposed to start on XXXX XXXX and I have paid every single month on time. 
The Floor Supervisor told me I must pay the " outstanding '' {$230.00} or else my name would be submitted to the Credit Bureau, as well as putting my loan within delinquency. I asked what my options are, as a {$470.00} a month payment is not what I can afford, hence, why I am on the income based repayment plan. They tried forcing Forbearance on me, as my " only option if I ca n't afford 'only {$230.00} ' on top of my {$230.00} a month payment. When I asked to speak to her boss, I was told she was the boss. 
I asked the Floor Supervisor why Inever received these notifications that the terms of my Forbearance had changed and she claimed I received an e-mail from Navient on XXXX XXXX and XXXX XXXX. I searched my inbox for hours - There were no e-mails received from Navient on either one of these days indicating my terms had changed. 
I also am locked out of the messages portion of Navient.com until I pay my " Past Due Balance ''. 
So, to save my credit rating, I paid the " past due balance '' and will pay the remaining monthly payment for XXXX. To get this money, I will have to work even more hours at my second and third jobs. I still am not able to access my student loan documents, even after making the payment. 

These practices by Navient are fraudulent and illegal ( I 'm sure this is why they are being sued )
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Sir ; Im having an issue that needs immediate attention on my credit report because I have noticed unauthorized usage of my personal information to apply for applications thats not of my consent and thus is a fraudulent claim of the following services and a risk to my credit information. 

SYNCHRONY XXXX ( Bank ) XX/XX/2022 XXXX ( Retailer ) XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

Attached is XXXX XXXX XXXX. Experian has refused to investigate this account and has now blocked all further disputes. Experian has been given dispute information from the CFPB showing account information is to be removed yet will no longer accept information and will not run dispute as requested. This has been an ongoing issue for the last 12 months as Experian will block disputes or rush disputes through even when provided with disputing information. Its not proof that Experian is not analyzing any dispute information as previously stated
Product: Credit reporting, credit repair services, or other personal consumer reports

i requested that accounts with inaccurate data for verification or corrected Accounts info thats not listed correctly came back verifed with all inaccurated info still listed after they said its correct, data not reporting accurate, across all three credit breaus, account closed but still reporting payments, credit limit inaccurate, dates open inaccurate past due balances violation to Metro 2 PLEASE HELP IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNTS- # XXXXXXXX XXXX XXXX XXXX XXXXXXXX Security fin 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 A WRITTEN INSTRUCTIONS. ( TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ) IF AFTER ANY REINVESTIGATION OF ANY INFORMATION DISPUTED BY CONSUMER AN ITEM OF THE INFORMATION TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED THE CONSUMER REPORTONG AGENCY SHALL - ( a ) PROMPTY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER OR MODIFY THAT ITEM OF INFORMATION AS APPROIATE BASED ON RESULTS OF INVESTIGATION ( b ) PROMPTLY NOTIFY THE FURNISHER THE INFORMATION HAS BEEN DELETED - Also Never received 1099 C?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX ..In accordance with the fair creditreporting act. the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ... In accordance with the fair creditreporting act. the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

I never had an account with this company and this balance of {$570.00}
Product: Debt collection

XXXX XXXX has sent my information to a collection agency called National Credit Systems , Inc . Since XX/XX/XXXX I have been receiving calls and letters from NCS requesting payment for something I never agreed to pay. I signed a lease with XXXX XX/XX/XXXX that ended on XX/XX/XXXX. 

As stated in the lease, the contract only automatically renewed on a month-to-month basis if neither if either party failed to give 60 days notice. I gave my 60-day notice on XX/XX/XXXX ( move out date of XX/XX/XXXX ) and did not enter another agreement with XXXX XXXX. There was no new lease signed, I did not agree to any of the charges they tried to bill me for. 

When I received my first letter from NCS I informed them, through certified mail on XX/XX/XXXX, that I had no knowledge of the charges. I asked if they could validate them and provide a detailed explanation. I have receipts from that letter that my letter was received on XX/XX/XXXX. National Credit Systems ignored my requests and continued to ask for a payment in a letter dated XX/XX/XXXX. 

On XX/XX/XXXX I sent NCS another letter explaining to them that I think my right had been violated by failing to validate a debt at my request and continuing to attempt to collect a disputed debt, both FDCPA violations. I asked them, again, to validate this debt. I specifically asked for them to provide me with the following : 1. Proof of right to own/collect this alleged debt 2. Balance claimed including all fees, interest and penalties 3. Contract bearing my personal signature 3. License proof to collect debts in my state To date they have yet to comply with my requests for validation. The lease they insist on providing me with expired with no new agreement on XX/XX/XXXX. XX/XX/XXXX, I fulfilled my final payment to XXXX XXXX and had a XXXX balance. XX/XX/XXXX, I received extra fees and charges ( I also disputed and was told by NCS I should've done a walk through - XXXX was NOT doing walk throughs at the time due to covid ) I never agreed to and along with threats to my credit report. 

I am distressed that National Credit Systems has now included this information in my credit profile and they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the information they report. At this point I feel this company and any claims for amounts owed is untrue and not properly investigated. Im very bothered by the months of total disregard of my rights by National Credit Systems and XXXX XXXX.