23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In reference to CFPB complaint XXXX : Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written complaints, the unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Experian provided a long computer-generated statement that did not address my exact request. They are not in compliance with the FCRA, and I expect the CFPB to hold them accountable for consumers rights. 

Again, I am requesting complete deletion of the following account due to NONCOMPLIANCE : XXXX XXXX  XXXX  Account Number : XXXX AGAIN, I have attached just ONE of the many violations that Experian is doing to purposefully hinder my credit worthiness. Inaccurate charge off dates, re-aging this account is blatant violations and against the law. 


Experian, as a major credit reporting agency, is obligated to comply with the Fair Credit Reporting Act ( FCRA ), which mandates accuracy, fairness, and privacy in the handling of consumer information. When Experian fails to adhere to these compliance laws, it causes significant harm to me as a consumer, including inaccurate credit reports, denied loans, or higher interest rates. Experian, with its failure to properly investigate disputed information, correct errors within the required time frame, or improperly sharing credit information -- -directly undermines my consumer rights and can lead to legal repercussions for Experian, as well as potential financial compensation for affected individuals. It is crucial for credit bureaus like Experian to uphold the standards set by the FCRA to ensure consumer protection and maintain trust in the credit reporting system. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Again, I demand the above account be properly verified or deleted immediately.
Product: Student loan

On  XXXX   XXXX  , 2017 a p ayoff payment was made the my student loan account, in the amount of over {$5000.00}. I call Navient ( loan servicer ) to discuss this payoff, and request proof/copy of the payment, and a final letter stating that my loan was paid in full. When I called Navient on  XXXX   XXXX ,    2017, the y told me that the account looked over-paid, and that they would issue me a refund for that over payment. They also told me that they had NO information on what account the payment came from, nor the payee. Absolutely no record. They only knew the  XXXX   XXXX ,  2017 pay ment date and payment amount.   I called the company back a week later to check on the status of my request. They electronically mailed me a letter that said Congratulations, your loan is paid in full. They also mailed me a letter enclosing a copy of the {$5000.00} check they received for my loan.   Believing that my loan was paid in full, I was confused to get an email in  XXXX , stating that even though my loan showed a zero balance, that I should continue paying since interest or fees could be due.   I was more concerned on  XXXX   XXXX ,    2017 wh en I logged into my account to find that Navient had done the following : reversed the  XXXX   XXXX ,    2017 pa yment and BACK DATED that reversal as though it happened the same day it was made ; charged me interest and a late fee for the, " unpaid  XXXX  payment. '' I called Navient and the representative told me the payment was reversed and my loan was over due now. I referenced my paid-off-in-full letter. I referenced my payment history. The representative said a review team was researching what happened and would call me  XXXX   XXXX ,    2017. I  asked to speak with a manager and was put on hold for over  30 minu tes. When I finally spoke to a manager, she said that the payment was actually reversed on  XXXX   XXXX ,    2017, an d that the {$5000.00} payment was mistakenly made to my account then it should have gone somewhere else.
Product: Payday loan, title loan, or personal loan

I was not aware of the very high interest of over 200 % or was not given a full details of the loan agreement beside the loan agent stating I could pay over time. Never once did the agent showed me the loan screen beside telling me to sign. Was in a financial hardship with lost job and needed the funds to pay rent and buy groceries to feed my family and thought that the installment payment agent state would go towards lowering the loan in time. Got a XXXX loan and have paid {$1000.00} a month since XX/XX/2023 and probably have paid over the amount of the original loan but amount still remain the same. : ( They threatened to take my only car that I really need to survive and care for my child because I can no longer afford the high interest payments that they have lied to me about. I need help getting out of these loan shark high interest TitleMax place that have lied to me about the installments payment overtime.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the account I am concerned of : XXXX XXXX XXXX XXXX
Product: Checking or savings account

in XX/XX/XXXX navy federal credit union closed my membership and accounts due to fraud. They will not disclose to me why my accounts were closed at the time i had been a member with navy federal since XXXX and never had any overdrafts all of my loan products were paid on time never late. I attempted an appeal and was denied. Today XX/XX/XXXX I reached out to navy federal again because me and my cousin are starting a XXXX XXXX in remembrance of our grandmother to support kids at the elementary school that she taught at for many years. I waited on hold for almost an hour to be told that I could not be added to the association account due to the fact of the alert that they will not remove from my account. At the time of restriction or block I was not using Navy Federal as a primary bank so there was no activity that would have called for my accounts being blocked or restricted. As a part of this review they restricted my mothers account as well but she was allowed to complete a one time pin verification code and all was cleared on her account.
Product: Money transfer, virtual currency, or money service

I am concerned about Zelles handling of disputes even though I have used it in the past.
Product: Credit card or prepaid card

My name is XXXX XXXX, I am a small business owner. I have a costco visa with citi bank since XX/XX/2011. Last week I received a letter stated that my account has been suspended and required me to call a phone number. I thought it was a scam because the number did not match the phone number on my credit card. This week I just found out that my credit card was closed. When I call the customer service they told me that nothing they can do to help resolve the issue. In the mean time, all my cash back year to date is being forfeited since my account was closed without any explanation. 
Note : All these years that I have the card, I have never missed a payment. 

Thanks, XXXX XXXX
Product: Credit card

I was charged a Foreign Transaction Fee by my credit card when I had no idea that I was making a purchase from a foreign firm. 
Details : I purchased a music app subscription from a website called XXXX from my computer in the US and was charged in US Dollars. My card agreement does allow for a 0.8 % transaction fee to be charged for foreign transactions made in USD. My issue with this practice is that I had no idea that I was making a foreign purchase and I do n't believe the " reasonable person '' test applies either. I bought from a .com domain from a US computer and paid in USD. My receipt has a XXXX XXXX address at the bottom. Nowhere on the website does it mention that the firm is based in XXXX. 
My bank did agree to refund the fee one time as a courtesy, but I have an issue with the practice of charging a fee when a reasonable person has no reason to know that he/she is going to be charged.
Product: Credit reporting or other personal consumer reports

Trans union credit bureau are violating my privacy rights and my rights to fair credit reporting! I was affected by the XXXX data breach and I have notified Transunion of this. I requested XXXX XXXX XXXX  XXXX and XXXX XXXX BE BLOCKED FROM TRANSUNION XXXX FILE BECAUSE THIS ITEM IS NOT MINE AND IS ID THEFT! TRANSUNION has not blocked the item and it has been more than XXXX business days with acceptance of FTC REPORT! THIS IS ID THEFT AND TRANSUNION IS TREATING AS A 30 day DISPUTE
Product: Checking or savings account

Capital One XXXX  account. Not accruing the stated higher interest
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Experian claim that I have bankruptcy and medical bills, some referring to XXXX treatment, I am healthy, never had XXXX, further more, if there are any issues with medical records or bills then the VA should have handled them. I am a victim of identity theft. I am starving to death. I cant find a job, get insurance, apparently someone is already getting benefits in my name with ssa. Im stuck. I have three credit bureaus telling blatant lies and refusing to disclose even to me the extent of the problem. Im sick of sitting on my hands hoping that someone will help. If this doesnt imply how much in dire straits I am in, I guess Ill have to start helping myself
Product: Consumer Loan

I am late on my Auto loan with Regional Acceptance Corporation ( Phone : XXXX ) www.regionalacceptance.com, They are calling several times a day, often before XXXX, and frequently back to back calls or 3-4 calls within 15 minutes of each other, in addition to emails, despite my having contacted them and making payment arrangements.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I was notified on my credit app that a credit card went in collections. I was XXXX with the XXXX to XXXX during the time the card was taken out. Ive sent my orders along with the police report during my dispute. The company has yet to resolve my issue.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I had fraudulent account on my credit report. Please remove this account from my credit report, this account is hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I am filing this CFPB complaint to report 5 separate fraudulent accounts appearing on my consumer credit report which I do not recognize as reported and which are the result of identity theft and fraud.

These fraudulent accounts include : 1. A personal credit card account opened at XXXX XXXX on XX/XX/scrub> 2024 under the account number ( XXXX ). 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw accounts and inquiries reporting that I do not recognize and or authorize to be made
Product: Money transfer, virtual currency, or money service

I received funds from my job through PayPal on Monday XX/XX/XXXX. Since that time I have not been able to use those funds because of their inability to verify my identity and even after answering their questions successfully they keep requesting more time. At first it was 72 hours and now they are asking for 48 more hours after 96 hours. I need my paycheck in order to purchase things and pay my bills and yet they can't release my funds because of their security system even though I proved that I was who I said I was.
Product: Student loan

I have a loan serviced by Aidvantage in the amount of ( balance ) {$52000.00}, Account # XXXX. 

About two months ago, I sent in the required forms and paperwork for discharge because the Department of Veterans Affairs deemed me 100 % XXXX ( Permanent and Total ). Today, I received correspondence that I had to provide evidence of a name change because the name XXXX and Aidvantage has on file do not match. The document states that I need to provide evidence in the form of certain listed acceptable documents for a First Name Change, or other certain listed documents for a last name change. Because the document did not specify the discrepancy, I called Aidvantage and spoke to a Rep who could only note that XXXX had XXXX XXXX XXXX XXXX Aidvantage 's listed name as XXXX XXXX. XXXX is not a first or last name, it is a suffix. 

I loaded the documents into the Aidvantage system, but fear this is a game they are playing to make student loan discharge just that much more difficult. They have accepted over {$50000.00} in loan payments from me with this so-called discrepancy, but now that I've put in the proper paperwork for discharge it's suddenly a problem and they don't know who I am? 

I'm asking that they look deeper into this, let me know what the first or last name discrepancy is, and expedite my discharge. The Adivantage rep saw no discrepancy with the first or last name as seen in their records.
Product: Credit card or prepaid card

I had noticed a bunch of unauthorized transactions from a XXXX merchant attacking my benefits in XXXX and I only used my card three times and the rest for the month was this website XXXX Has XXXX XXXX and it I reported it right away as soon as I found out I submitted a claim with the claims department for my benefit card and I turned in the necessary information by email because I didn't receive the forms they said they were sending and canceled the new card that was sent that I didn't receive and got a new card sent in place of it and waited to hear back from them on my money refunded. I didn't hear back. Had to call them and find out status and was told I was denied and nothing more. No reason was stated. They got for over XXXX dollars by doing XXXX to XXXX transactions a day over and over for the month of XXXX. Also XX/XX/XXXX to XX/XX/XXXX was when transactions were made. I didn't find out until XX/XX/XXXX when going to purchase something and was XXXX XXXX transaction was burger barn and XXXX was XXXX on XXXX XXXX of XX/XX/2023 and the other one is on XX/XX/2023 at XXXX. The merchant attacking my card was XXXX Ha XXXX XXXX XXXX way to dispute with merchant because website gave error code XXXX not found or no longer exists.
Product: Debt collection

American Coradius International LLC ( ACI ) XXXX, TX XXXX and XXXX, NY XXXX XXXX This company sent me a letter via the USPS stating that they are a collection agency collecting a debt on behalf of XXXX. 
Reference # XXXX I was able to confirm that with XXXX that my account is in good standing and I do not owe them anything. Upon attempting to discuss this debt with ACI, they were able to confirm they are collecting this debt. I requested the paperwork they received from XXXX that verifies the debt owed and they refused to provide that and said I would need to get that from XXXX. Naturally, XXXX, can not provide the paperwork because it does not exist on my account because the account is in good standing and they have not filed any collection action against me. 
I asked ACI where they got the account number on the statement and they could not confirm this source. Additionally I asked how they came up with the address that they mailed the notice to and they said that came from XXXX, which I believe to be a lie. I think this company is either attempting a scam, or actually has a collection account for someone with a similar name and is sending letters to everyone that has that name.
Product: Credit reporting or other personal consumer reports

There are unrecognized accounts on our credit reports that dont belong to us. We suspect these may be the result of identity theft or fraud.
Product: Credit reporting

Dept collection agency called XXXX are attempting to collect a dept from me which I am not owing and they reported that to my credit even with out proper investigation to know if the dept is mine or not. I disputed that through TRANS UNION CREDIT REPORTING AGENCY but they kept reporting same to my credit. I contacted TRANSUNION CREDIT REPORTING AGENCY after so many attempt I made to contact the collection agency XXXX. but TRANSUNION said all the information they have on file concerning the dept was correct even when they did not do proper investigation. 
The dept which XXXX TRYING TO COLLECT FROM ME IS A FRAUD FROM THE ORIGINAL CREDITOR. ( XXXX XXXX APARTMENT ). 
I rented an apartment from the Original creditor XXXX APARTMENT, but a month after I rented the apartment the roof collapse and I could not use the apartment anymoreafter so many attempt I made contacting the XXXX APARTMENT to come and fix the problem, they ignored me despite I still pay the rent for the apartment even when I was not making use of the place. They ignored fixing the place until I moved all my belonging away from the apartment since it was becoming health hazard. But XXXX month after I moved out I received a letter from a collection agency called XXXX stating that I was owing some money from XXXX APARTMENT who ignored fixing the collapsed roof of the apartment I moved out from. 
the XXXX did not even do any investigation to know if I was owing such dept or not. I attached the copy of the letters I sent to the apartment management XXXX APARTMENT BE FOR IMOVED OUT FROM THE APARTMENTTHE CREDIT BUREAU SHOULD WORK WITH THE COLLECTION AGENCY XXXXTO TAKE SUCH FALSE STATEMENT OFF MY CREDIT FILE
Product: Money transfer, virtual currency, or money service

Yesterday XX/XX/2023 got this message from Chime Bank " The phone number on your Chime account has been updated to ( XXXX ) XXXX. Please contact XXXX XXXX at ( XXXX ) XXXX if you did NOT request this change. '' Couldn't log in to my Chime acc. Called Chime, agent told me to change password, I did. 
But all my money gone, everything... {$3000.00}. XXXX made XXXX transactions to XXXX  on different names in just an hour Called Chime several times, wrote emails. And all Chime is telling me to wait to see if those transactions " settle '' and then " You will receive a push notification from us to confirm that youd still wish to file the dispute when at least XXXX transaction settles '' and it can go up to 90 days. 
I didn't authorize these transactions. My account was hacked, Chime bad security didn't protect my money. They even issued temporary card to hacker. My {$3000.00} stolen. all the money I have gone. 

I need my money, and CHIME is doing nothing about it except telling me to wait and then file dispute while I have {$0.00} in my account...
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USED MY IDENTITY TO OPEN ( XXXX XXXX AND A XXXX BUSINESS CARD THAT DOES NOT BELONG TO ME IT COMING UP ON MY CREDIT REPORT AS A CHARGE OFF ACCOUNTS I DO CURRENTLY HAVE 2 OPEN CREDIT CARDS WITH XXXX XXXX THAT DOES BELONG TO ME THAT I AM AWARE OF ( THE CHARGE OFF ACCOUNT FOR XXXX BAL ACCOUNT NUMBER XXXX ) IS NOT MINE AND SHOULD BE REMOVED FROM MY CREDIT REPORT BECAUSE IT WAS OPEN FRAUDULENTLY I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA & # XXXX ; s. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.