23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Okay so I deposited the sum of XXXX to my robhinhood account to purchase crypto and send for a transaction that has a limited time on it, only for me to deposit money to my Robinhood and then trying to send crypto my account is restricted I cant withdraw money back to my debit card or even send crypto, and now Im stuck in between with them giving me a date of XX/XX/XXXX to review my account like why cant my account be reviewed this instant frustrated at this point
Product: Student loan

I have consolidated some of my " XXXX XXXX XXXX student loans '' as of XXXX XXXX 2017.
I make my payments as per the contractual schedule ( CONSTANT PAYMENTS OVER 30 YEARS ), using automatic payment, despite all the problems that they cause along the way ( ie deactivating my automatic payments without notice ) Navient charges the integrality of my payments to interests, nothing to principal. This increases my interest rate by more than 30 %, is not in agreement with my contract, and the BALANCE REMAINS SAME SINCE FOUR MONTHS DESPITE THE PAYMENTS.
The detail of the allocation of payments, fully available online, confirms that Navient fraudulently ( on purpose ) applies all and any of my payments to interests and fees, breaching the loan contract and misappropriating the portion of the funds that should be applied to the reimbursement of the loan to the XXXX XXXX XXXX.
I have contacted the customer service more than ten times, spoke with the customer advocate and wrote to her several times, and addressed a complaint to the audit committee of the board of directors of Navient. The customer service answered to me that they had reviewed my account and refused to escalate my complaint ; the Audit Committee, in charge with internal controls compliance, did not answer.
The customer advocate told me that she had sooo hard time understanding why I was complaining about how Navient handled my payments, after all, " all they did was collecting the monthly payments almost for the amount agreed ''.
The next day, I found that the CFPB had started in 2017 a lawsuit against Navient for exactly that. How unexpected was my complaint for misappropriation of my payments?! ...
I am writing to you because the trail of my case shows that Navient is in the business of breaching the contracts by modifying the systems, telling to customers that all is fine, and refusing to correct the very obvious fraud when it is reported. I am trapped with Navient. If I reimburse my student loan, they will apply my payment in full to interests, as usual.
The abuse is so systematic and the absence of internal control so total, that it s not possible to believe that this is " just a material weakness in internal controls over fiduciary duties ''. Let 's note that if it was " just lack of controls '', per XXXX it is enough to send the top management of Navient to prison.
Navient appears to be in the organized business of taking down as many US graduates as they can, while also depleting the ability of the XXXX XXXX XXXX to extend loans to new US students. An anti American purpose.
My suggestion to the victims : let 's charge them with our own " assessed fees '' and subsequent " late fees '' if they do n't pay us our own assessed fees. We need to make the idea of stealing from student loans way more expensive than the efforts to service the loan with the highest standards of customer service.
Product: Debt collection

I was contacted by phone on XXXX/XXXX/XXXX by a debt collector with " Clear Credit Services '', XXXX, claiming to represent XXXX XXXX for an outstanding balance of {$5000.00} from XXXX and XXXX, original account # XXXX. The representative was very aggressive and repeated, " why did n't you pay this, now we have to report you to the XXXX County authorities and have you arrested and prosecuted for fraud! '' I was stunned by her statements and allegations, and told her that not only was she out of line for making such outragous threats but that she was breaking the law, but she did not seem to care. I hung up the phone, then was called again, same representative scolded me for hanging up. I told her I needed written confirmation of this debt and I was transferred to a " Settlement Director '', who later emailed me the attached demand letter.
Product: Debt collection

I contacted Bank of America on XXXX/XXXX/2017 to advised them that I never had an account with them and for them to please provide proof of the complete payment history, the original contract that I sighned. What type of account, where the account was opened and my signature. I received a correspondence from XXXX XXXX XXXX XXXX XXXX on the behalf of B of A dated XXXX/XXXX/17 which was a print of from billing statements which did not provide me with any proof that I opened account. I then contacted B of A at XXXX spoke with a representative who advised me that the account was old and she was not able to provide me with the document I requested. I advised representative that if you ca n't provide documentation it need to be removed. Rep then advised no it is mine and it will not be removed. I them wrote another letter and send to the three agencies explained the above and submitted the billing statements that XXXX provided and they all updated my file stating it was accurate and updated.
I would like this deragarory item removed from my credit file. I can be reach at XXXX or XXXX.
You assistance is needed it 'd been 3 months and numerous letters and calls made with no resolution.
Sincerely XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX resides at XXXX XXXX XXXX XXXX is a VETERAN of the United States XXXX is a victim of Aggravated Identity theft and is being violated by these companies as a consumer. I have reached out to these companies four times stating law 605B.15 U.S.C. 1681c-2 BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT. These companies have done nothing but ignored my letters and leave remarks on my credit report stating that these accounts have been verified. Here are the USPS Tracking # numbers for each letter sent : XXXX : XXXX XXXX XXXX XXXX Transunion : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX
Product: Debt collection

there is a collection notice on my credit report for {$420.00} for a cable/ cellular service that I do not have any affiliation with. Trying to get this removed from my credit report. I submitted a request through smart credit for this to happen but creditor will not respondThanks in advance
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. 

Account Name : XXXX XXXXAccount : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXX - XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 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 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.
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 : INQUIRY : XXXX XXXX XXXX XXXXXX/XX/year> 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 CREDIT BUREAU 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: Bank account or service

An overdraft activity was happened because of the death of my family relative and his burial help. I called Bank of America ( BOA ) branch as well as internal recovery services, XXXX XXXX XXXX, TX XXXX about the issue and financial difficulty and request for corporation and help and after I paid full and my balance was {$0.00}. So, I received a letter for {$0.00} from BOA. Instead to receive money full they put negative remarks and comments in the XXXX. I requested them that they need to remove false/wrong/unjustified statement after they received full payment and the balance is {$0.00}. They need to fix the XXXX and make a correction in the account system that they already receive full payment. It is indicating that complete fraud and harassment attitude from the Bank od America. Please take a necessary action to safe my credit which is damaging form BOA blackmailing and poor services.
Product: Credit reporting or other personal consumer reports

Hi my identity was stolen i still live with my mom in my hometown and multiple apartments out of state and credit cards were opened in my name that I had no knowledge of. Recently, I mailed multiple letters requesting verification of inaccurate accounts reporting on my credit report. All the bureaus including Transunion, XXXX and XXXX ensured that all accounts on my credit report was verified. When in all actuality i never consented anything to be reported on my credit report given im just starting to build credit for future reference.
Product: Credit card

On XX/XX/XXXX my daughter and I checked out of XXXX XXXX XXXX in Florida. My card was being held on file until checkout. Upon checkout my daughter left her credit card to pay for the 5 day stay in full. This was a XXXX conference that she had booked and paid for. They at that time said my card had NO charges on it. Citicard put a XXXX charge on my card, which was the balance that my daughter paid in full. 
I filed a dispute with Citicard. I sent an itemized fully paid bill that shows clearly nothing owed to XXXX I mailed copies of the paid bills to the address Citibank gave me. I filled out and mailed requested forms. They have still not removed this charge. I have been a customer of Citicard for many years have an XXXX credit score, but nothing seems to make a difference. They could contact billing at XXXX XXXX XXXX XXXX, and be told point blank there is nothing owed! I would appreciate anything that could be done at this juncture. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please urgently remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress
Product: Credit reporting, credit repair services, or other personal consumer reports

the 3 credit reporting agencies are reporting inaccurate information by recording my " transactions '' and or " experiences '' according to title 15 usc 1681b and 1681 ( 2 ) ( A ) ( i ) and 15 usc 6802 I have a right to opt out. where is the disclosure on this information? because this information is reporting inaccurate I want these late payments removed immediately. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent certified mail # XXXX XXXX XXXX XXXX XXXX, to Equifax notifying them that I had 2 inquiries on my report that I did not authorize or recognize and requested them to be removed. ( XXXX dated XX/XX/XXXX and XX/XX/XXXX ) I received an updated credit report dated XX/XX/XXXX stating that they found the information to be factual and did not remove it. 

On XX/XX/XXXX, I called Equifax customer service to advise them again that I still had the unauthorized inquiries on my report and was told by the representative, XXXX, that I would need to contact the creditor directly and have the contact Equifax to have the inquiries removed. I explained that I did contact them and was redirect back to the credit agency. He stated that he could be put fraud alert on my report and I told him that the only thing I needed was the inquiries removed from my report. On or about XX/XX/XXXX, I received a postcard in the mail notifying me that a fraud alert had been placed on my account. That was not authorized by me! 

On XX/XX/XXXX, I sent certified mail # XXXX XXXX XXXX XXXX XXXX to Equifax, again requesting deletion of the unauthorized inquiries. I received an updated credit report dated XX/XX/XXXX stating that they found the information to be factual and did not remove it. 

I have done my part to notify Equifax and make them aware of the incorrect information but, they have made no attempts to correct it. 

15 Code USC 1681i states that if I notify the agency of a dispute, they must do reasonable investigation to determine if the information is inaccurate and delete if it can not be verified. If the creditor had no information and redirected me to the credit agency, how were they able to verify and determine the information to be factual?
Product: Student loan

I have graduated from an XXXX program and now I am enrolled in a XXXX   program that my employer pays for. 

XX/XX/2019, I received an email stating my " In-school deferment has been approved '' I immediately contacted Navient and requested that I be taken out of deferment as I had not requested this nor do I want it. They respond and take me out of deferment stating that my school contacted them about my new enrollment status and it was automatically changed. I can understand how this would be helpful so not a big deal it got changed. 

XX/XX/2019, I received another email stating my " In-school deferment has been approved ''. Once again I've immediately contacted them. Every time this happens it raises my monthly payment. It looks as if every other month they are trying to put me in deferment without my permission after I have explicitly stated that I do not wish to be in deferment
Product: Credit reporting or other personal consumer reports

Thursday, XX/XX/XXXX XXXX XXXX XXXX XXXX La XXXX XXXX XXXX, CA, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report XXXX 
The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

Dear Office of Transworld Systems Inc., I am writing in response to your letters dated XXXX XXXX, 2015, ( copies enclosed ) as I disagree with the account balances that your office has purchased. 

This is the first I 've heard from you, therefore, in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the XXXX-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

I respectfully request that you provide me with the following information : * ( 1 ) the amount of the debt ; * ( 2 ) the name of the creditor to whom the debt is owed ; * ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; * ( 4 ) Proof that you are licensed to collect debts in XXXX ( 5 ) Statute of limitations and how your office has determined if the amount are under or past the statute of limitations and for which state.
Product: Debt collection

By having my disagreements disregarded, I feel like I'm being taken advantage of. According to a XXXX search, an item will be immediately removed from my credit report if I don't look it over within 30 days. I suggest removing this entry right away. It's not my account, sorry.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I ordered an item off of XXXX and paid using Paypal Credit. The item was supposed to be delivered within 7-10 business days but was never delivered to me. I checked the status of the delivery online and it said it had been " delivered '' but not to me or anyone in my household. I opened an investigation with the USPS and they said that it was mistakenly signed for by someone who was not me and had no verification of proof of identity even though it was an insured package that was supposed to require proof. It was also GPS-tracked to be delivered to a location that was not my delivery address. I opened a police investigation into the stolen package and received a copy of the report. I opened a dispute with Paypal under their Buyer Protection Claim because I had never received the package and was thus entitled to a refund. They kept closing the appeal and denying the claim and I would reopen it because they did not open the documentation they had requested as proof ( the two investigation reports ). This occurred several times over the course of seven months. I spoke to a customer service rep on the phone on XX/XX/XXXX and they assured me that I would get a refund and they would appeal the decision to close the appeal. I received a notification less than five minutes after this conversation on XX/XX/XXXX saying that the appeal had been closed again and the appeal was still denied. I spoke to a representative again on XX/XX/XXXX who assured me again that I would get a refund and escalated the appeal, and assured me she would contact me again in 24-48 hours to update me on the status. She nor Paypal never contacted me again. I called the company again on XX/XX/XXXX and escalated my issue to the " top customer service representative '' XXXX ID # : XXXX. He was incredibly rude and condescending to me, and said the appeal would be closed and the refusal of the refund would be upheld because the " package had been marked as delivered, '' even though as explained and proven with the evidence the package had been stolen. They refuse to comply with the terms of their own Buyer Protection Service and refuse to issue me the refund that I am entitled to because I have proof that I never received the item as it was stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have read that Experian is guaranteed to fulfill the FCRA regulation section XXXX but regardless of all my labours to notify Experian about the theft of my Individuality and that the items were never mine, Experian never feel a concern nor paid any care to my Disputes. They became neglectful of the FCRA law and continued reporting this information on my File without Proper Confirmation or Examination. I came to a decision that the Credit Bureaus are not frightened to break Federal law thus they took to be slothful and abandoned my appeals. XXXX attaching the required FTC Report for you ( which complies with FCRA XXXX XXXX ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the XXXX, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, XXXX, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... The items below should be deleted permanently : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/2020 2020
Product: Credit reporting or other personal consumer reports

. Subject : Complaint Against TransUnion for Refusal to Update Personal Information Dear CFPB, I am filing a formal complaint against TransUnion, XXXX, and Transunion for their refusal to update my personal information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 
Details of the Issue : Date of Initial Request : XX/XX/year> Documents Submitted : Personal information update letter, driver 's license, Social Security card, and utility bill ( notarized ) Response from TransUnion : XX/XX/year>, stating my request could not be processed due to missing government ID ( which was, in fact, included ). 
Violation of Rights : TransUnion 's refusal to update my information is a direct violation of 15 USC 1681 ( a ) ( 4 ). The FCRA mandates that consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumer privacy. By not properly reviewing the provided documentation, TransUnion has failed to conduct a fair investigation, thus violating my consumer rights under : 15 U.S.C. 1681i : Procedure in case of disputed accuracy 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy