23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I opened a prepaid credit card account. Before even receiving the card they charged me {$30.00} dollars for the annual fee. After 3 months I still never received the card but the company started charging me late fees. I called numerous times and all the representatives said that I had yo pay the fee and late charges in order for them to send out a new replacement card. After over 6 months I never received any card but yhe company simply kept charging late fees in an account that I never even activated because I never received the card. Finally in the beginning of XXXX they sent an email that they closed the account and basically ate up my deposit
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I live on XXXX XXXX and took a direct hit from Hurricane Ian. I called them when I was able to finally get phone service back and they told me they weren't reporting late payments for 90 days due to Ian. I have always and am currently in good standing with them. This is holding up my credit as I'm trying to buy a house. Indigo Credit Card with Genesis card services.
Product: Credit reporting or other personal consumer reports

I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for Charge of, collections, Repossession and Public Record. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Bankruptcy Reference # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry from XXXX XXXX XXXX on XX/XX/2020. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I am a divorced Massachusetts XXXX XXXX ( XXXX XXXX XXXX ) of 13 years and my ex- husband has also worked for 13 years in a XXXX XXXX XXXX XXXX XXXX When we got married in XXXX, we consolidated our loans into one loan through Navient. Around XXXX we refinanced that loan with Navient ( Navi-Refi ). We began with {$100000.00} combined student loan debt, and now, after 21 years ( 252 months ) of on-time payments, still owe $ XXXX. In XXXX of XXXX congress enacted the federal Joint Consolidated Loan Separation Act. That now allows my ex-wife and I an opportunity to separate our loan into two Federal Direct Loans, which will make us eligible ( again ) to apply 26 years of qualifying publi service and have the loans discharged through PSLF. As per guidance directly from the Department of Education, we have contacted our servicer, Navient, to request an Administrative Forbearance until the Dept of Ed devises a plan to separate these loans. However Navient refused to grant such a forbearance, and we are being told, erroneously, that because we refinanced our Spousal Consolidated Student Loan we will not be eligible to separate in accordance with the Joint Consolidated Loan Separation Act. The Department of Education has declared that it will include in its plan to enact this new law a provision for refinanced Joint Spousal Consolidated Student Loans. Navient is wrong and predatory. Please help us XXXX XXXX ( formerly XXXX )
Product: Money transfer, virtual currency, or money service

I attempted to deposited a XXXX check at Ally Bank in order to wire it my title company so I could purchase a house. Ally Bank 's website indicates that they hold checks of that amount for 5 days with graduated deposits. Meaning the first day you get XXXX dollars, the third day you get XXXX dollars and the 5th day you get the whole amount. In my situation none if this was followed. They received the check on XX/XX/XXXX and it is now XX/XX/XXXX and XXXX dollars have been deposited in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the previous written requests, the unverified account listed below still appear inaccurate on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, Section 605b within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Correct this account immediately XXXX XXXX XXXX XXXX Balance Owed : {$33000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX/XX/XX/XXXX2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX on XXXX shows as 30 days past due and on XXXX as 60 days past due. In XX/XX/XXXX, XXXX shows as 60 days past due and on XXXX it shows as 90 days past due. In XXXX of XXXX XXXX is reporting me as 90 days past due and In XXXX of XXXX One Main is showing me as 60 days past due but says the last payment was received in XX/XX/XXXX and then in XXXX and XXXX of XXXX, the past due days jump to 150. On XXXX in XX/XX/XXXX, its reporting as 120 days past due and in XXXX of XXXX, it drops to 90 days past due with the last payment being made in XXXX of XXXX and then it jumps to 150 days past due in XXXX and XXXX of XXXX. On XXXX XXXX late payments are reported. This inaccurate and inconsistent information and One Main is direct violation of the FCRA and CFPB regulations. Please remove this from my credit immediately and I am also requesting {$1000.00} for each violation. I have disputed this account on several occasions with the credit bureaus as well.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX ; I filed a Complaint with CFPB Regarding Incorrect Information listed on All 3 Credit Reporting Agencies by EDFINANCIAL that shows that my Student Loan account is OPEN, With a Balance of {$22000.00}. I have Shared all of the documentation with them and your agency to Prove that this Account was transferred to XXXX Through Student Loan consolidation on XX/XX/XXXX. Subsequently ; this Loan has been PAID IN FULL through the Student Loan Forgiveness Program. 
The company Responded to my Complaint through CFPB on XX/XX/XXXX ; Indicating that they were going to look into this. CFPB was somehow satisfied with this answer and closed this complaint. 
As of XX/XX/XXXX ; This loan is Still showing OPEN, with a Balance of {$22000.00}!! 
This has been over a YEAR that I have been contesting this inaccurate information on my Credit Report and EDFINANCIAL has done NOTHING to correct it with the 3 Credit Reporting Agencies. 
I Need Help in Getting this company to respond to my complaint and to remove this from my Credit Report, as they are doing nothing.
Product: Student loan

I reached out to Navient a year ago for assistance with lowering my student loan monthly payments and I was directed to complete the details through StudentLoans.gov for consideration. I was approved for a lower payment of approximately {$70.00} per month of which I paid {$100.00} each month on time. My time for renewal (  XXXX  ) came and again followed the same steps outlined by Navient to go through StudentLoans.gov. I submitted all of the details requested and one question that was asked was " was there an increase in income '' of which I answered " No '' because my income situation has not increased. I was approved for for income driven repayment, but my monthly amount has increased from {$70.00} to over {$220.00} of which I can not pay and is putting me in default. I need help to bring the monthly amount due down to something I can pay. I do not know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX : {$500.00} ; XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I traded my vehicle XX/XX/year> and the payoff was received by ally bank on XX/XX/year>. From that date I was to receive a XXXX refund check within 60 days. 
Upon calling and asking for a status update, the gentleman said he did not have any other information when I asked to be escalated he hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an identity theft victim. Beginning in XXXX I have had XXXX fraudulent accounts ( XXXX, XXXX XXXX XXXX XXXX ) successfully deleted from my Experian credit report due to fraud, however the accounts have been deleted and reinserted numerous time. XXXX was last deleted from my report in XX/XX/XXXX and after checking my report again I have noticed it along with XXXX XXXX have been reinserted without my knowledge. I demand these XXXX accounts be permanently deleted from my credit report as this is causing damage to my credit profile.
Product: Debt collection

I had a credit card with XXXX with a XXXX limit. The account was passed due and was charged off. The account shows on my credit report as closed/charged off status and XXXX balance. 

Portfolio Recovery purchased the account and they are reporting the balance as XXXX with an open date XX/XX/2020
Product: Debt collection

Was working with a debit consolidation company and my Mortgage company. When we noticed a debt and a company name we did not have before or recognize. Upon calling the company in question they did verify they had a debt with us but no further information was given or offered as to. Why or other reasons.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX XXXX XXXX numerous times about my two mortgages with them. Informed them the credit report states I owe $ 200ish and confirmed I do not owe them any outstanding balance. 

My report continues to show account is delinquent. I have called as well as initiated email threads confirming I do not have a balance and the loan has been sold. However, my credit report and score are perpetually impacted. 

As of now the lenders have informed me they forgot to wire excess funds nearly {$6000.00} to my transfer lender. 

I do not owe XXXX XXXX XXXX anything and may have double paid them which they are looking to reimburse. Please have this removed from my account ASAP. I am in the process of purchasing more property and this affects my loan process heavily.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my TransUnion Report I have unauthorized inquiries besides XXXX  XXXX and XXXX  XXXX XXXX and XXXX XXXX I do not authorize
Product: Checking or savings account

I was a victim of check washing fraud by Chase bank and XXXX  XXXX XXXX. For a total loss of XXXX, was cashed and stolen from my account. I have been trying to recover it from Chase however 10 months have gone by, and I have been unsuccessful. The bank also wont issue me provisional credit, while they complete the investigation. 

I am requesting to be helped out this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

These reports are incorrect. I have requested that the credit companies remove them but they have not. The dates are wrong, the accounts are wrong altogether. 
I have sent validation letters to all 3 bureaus. XX/XX/2023 I have disputed them multiple times, XX/XX/2023, XX/XX/2023, and XX/XX/2023.
Product: Credit card or prepaid card

I purchased a prepaid Visa for {$200.00} at the XXXX XXXX in XXXX Oklahoma on XX/XX/2023. It is branded Vanilla with website VanillaGift.com. I gave the card as a gift to my brother. 

The card could not be activated. After speaking to the store manager, XXXX refused to help, directing me to Vanilla instead. They also refuse to help without a receipt which I no longer possess. 

It would be completely possible for XXXX to help by retrieving the receipt from their records. They refused. I spent {$200.00} for a gift for my brother and it seems to be money handed over to them with no product or service any return. I've been defrauded.
Product: Checking or savings account

Regions Bank fraudulently charged me overdraft fees they also charged me an excessive withdrawal fee and a cash deposit fee ... no one can give me w straight forward answer as to why Im beyond livid
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my credit report that are inaccurate and not verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX. 

I recently reviewed my credit report and found some information which is false and I wish to have this removed. 

The information which is false and should be removed is the address ; XXXX XXXX XXXX, XXXX CA,XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , CA XXXX. And the phone number XXXX.
Product: Credit reporting or other personal consumer reports

It is indeed ridiculous to see XXXX  payments recorded on my account when I have consistently made XXXX payments without any history of being XXXX. I firmly insist that you correct my account to accurately depict my payment history.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report as I am a victim of a recent data breach and identity theft. This incident has resulted in unauthorized accounts and inquiries, negatively impacting my credit standing. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ), I am entitled to request that fraudulent information related to identity theft be blocked from my credit report. To support my claim, I have included copies of the necessary documentation, including my FTC Identity Theft Affidavit and an official police report.
Product: Debt collection

I received a letter in the mail from Jefferson capital for a collect of {$580.00} I have reached out to this company and explained that I have no acknowledgment of this debt and that this is not me who has opened this account and asked him to normal or contact me and to report this as a fraudulent accounts. Around XX/XX/2023 Next company XXXX XXXX XXXX I have tried to dispute and explain multiple times. I have no acknowledgment of this account and that this is also not me and this is fraudulent.For the amount of {$510.00}
Product: Vehicle loan or lease

On Monday, XX/XX/year> my bank wired {$49000.00} plus to Navy Federal Credit Union at my direction to pay off a car loan. My intent was to complete the sale of the vehicle which had been purchased from me at auction. Per instructions from Navy Federal, I called them on the morning of Tuesday, XX/XX/XXXX to confirm that the funds had been received and credited to the loan and to request their extra-cost 'expedited processing ' of the title. I was told that the title should be ready to send out in XXXX to XXXX business days and that it would be sent to me via FedEx overnight delivery. Also, I would receive an email notification that the title was on its way to me. Having heard nothing by Friday, XX/XX/XXXX, I again called Navy Federal. This time I was told that the title would be released that day and sent out to me for delivery on Monday, XX/XX/XXXX. The title did not arrive on Monday so I called Navy Federal again. This time I was told that the title was 'released ' but that it was still in processing and that I could expect it on or about Monday, XX/XX/XXXX. I'm concerned that I will lose my buyer and I have no confidence that Navy Federal will in fact deliver on their promises this time. Please help!
Product: Consumer Loan

Obtained a car loan from Westlake Financial Services XX/XX/XXXX. This company called my family, and my boyfriend continually over late payments made. They called my cell phone the day my payment was due to ensure I was paying. They repossessed my car XX/XX/XXXX, and never sent a notice of sale of the car. This company is very rude.
Product: Debt collection

Contacted the company regarding my credit and they sent me this letter voluntarily. Sent it to all 3 credit bureaus and they sent back letter stating verified/updated when i want the account removed as per letter they stated they would dismiss. I called Credit bureau and was told they reached out to company and was told account was acurate and they werent removing account
Product: Debt collection

My name is XXXX XXXX. I am submitting this complaint because a collection company ( XXXX XXXX XXXX XXXX ) ( the " Collection Company '' ) continues to pressure me to pay the credit card debt of my late husband ( XXXX XXXX ) who passed away in XXXX of XXXX. XXXX entered into a credit card agreement with Capital One, solely in XXXX 's name, of which I had not agreed in any manner to be bound by. Indeed, I was not even aware of the existence of the credit card until after my husband 's death. While I was named as an authorized user of the account ( I am not sure how this was set up, as I was not aware of, or in possession of the card ), I was not a joint account holder, and did not agree to be bound by the account terms. I have made the above facts clear to the Collection Company on several occasions and have asked the Collection Company to provide evidence of my consent to be bound by the account terms. I have also attempted to explain to the Collection Company that Michigan ( where my family has lived my entire life ) is not a community property state and therefore a surviving spouse is not responsible for credit card debt held only in the name of the deceased spouse. The Collection Company has not offered any evidence that I agreed to be bound by the account terms or that I am a joint account holder. It seems to be relying on my apparent status as an authorized user to support its claims, and instead has filed multiple complaints against me with the court, has accused me ( in one hearing in court ) of " having no respect for the law '' has surprised me at the door of my home with threatening process servers, and has bullied me with threatening communications. One of the aforementioned complaints was filed in XXXX and a second was filed in XXXX. The XXXX complaint was dismissed without prejudice. The XXXX complaint is pending. Given my age and health status, these complaints, and the attendant court appearances that are required to respond to motions, arbitrations, and other hearings, as well as the related stressful interactions with the Collection Company, have a significant negative impact on my physical and mental health. I therefore urge the CFPD to intervene and stop these unlawful, aggressive, abusive, and unjustified activities by XXXXXXXX XXXX XXXX XXXX. I also request guidance from CFPD on how I can file a counterclaim for the harm caused by this Collection Company.
Product: Debt collection

I was a victim of ID Theft last year ( XX/XX/2017 ) and have had multiple debt collections dismissed as a result. I have a police report filed as well and have put a Freeze on my credit report. This company has been calling me several times a day, evenings, and weekends. I took a picture of the number of times they've called me. It's harassment and I want it to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus have violated my rights under 15 U.S.C. 1681 section 604 a section 2 The Law clearly states a consumer reporting agency can not furnish a account without my written consent or instructions.

I have not given these accounts written permission to furnish these accounts on my credit report.