23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Navy federal have had my account going in negative and causing my account to have overdraft issues and waiting to post payments to have it in negative and also allowing charges that I have told them was not correct to be charged to my account
Product: Debt collection

Account is reporting incorrect as account is not mine. XX/XX/2022 was my first try contacting and trying to fix this issue with bureaus. I wrote too XXXX, XXXX and XXXX asking to delete because I do not recall having account. Account was reporting Collection while derogatory and charge off all at the same time. Along with inaccurate Date open stating as XXXX with XXXX and XXXX while XXXX XXXX reported XXXX. Date last active reported as XXXX with XXXX while XXXX reported XXXX and XXXX  reported XXXX is no way that all three bureaus are correct if information is coming from the same furniture data. XXXX and XXXX did remove account as I had requested but XXXX continues to report account and updating date last reported and changed the date opened adding CO to payment history. I have not received any documents stating method of verification! How is XXXX  still reporting this account being accurate while XXXX XXXX and XXXX have already delete it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being " reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section611 ( 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 ( a ) ( 5 ) ( A ) of theFCRA you are required to... promptly CORRECT all information which can not be verified.Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the account, or inaccurate information, from my file immediately & send me the results to the address. 

XXXXXXXX XXXX XXXXXXXX Late Date XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX/XXXX/XXXX
Product: Prepaid card

I received an American Express e-gift card from my employer on XX/XX/year> as a gift for my hard work with a generous balance of {$500.00}. After receiving the gift card I attempted to use a portion of the balance on a insurance payment. The card repeatedly declined so I decided to call the American Express customer support. The customer service representative informed me that I can not use the card for any " monthly payment '' type expenses and that the card is to be used to make purchases only. The support person told me I could use it to shop anywhere in store or online with it. So while I was on the phone I attempted to make an purchase online and the card was declined again. I asked the support rep why this was happening and if was entering billing information incorrectly ( I was filling it in with my personal information ) and she told me that " any store that asks for billing information will not be a store I can use the card at because the card is anonymous and can not be linked to billing information. '' The problem with this is that ALL STORES online ask for billing information these days and it is a requirement. If this was a Physical card, it would be easier to swipe at local stores and gas stations but with an e-gift card it is not possible to do that and billing information needs to be entered. I asked the support rep is there was a list of stores where this card would work since they advertise that the card is accepted and for use everywhere which is clear not true. The support rep told me there is not a list of stores and that I should just keep trying to use the card until I find a store that will accept it. I am very frustrated, after talking to the rep and receiving nearly no-assistance AND learning that their advertising of this card is completely false- I attempted to use the card to try to make a purchase at XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX Purchase portal and ALL were declined. Additionally, Amex advertises that you can add the gift card to you apple wallet to make purchases that way and so I tried to add this gift card to my wallet and it rejects adding it every time. They also say you can use it to make purchases in store but I asked my local grocery store and gas station if they would accept an e-gift card and type it in and both said they could not do so. As far as I am concerned, American Express needs to make this right by providing me the {$500.00} I earned. Failure to do so in my eyes is proof that the company is committing fraud, and I am probably not the only victim to this e-gift card scheme.
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$240.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX. XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX XXXX : {$2400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

I've paid $ XXXX on a $ XXXX student loan over the past years with Navient . I still owe $ XXXX. Only $ XXXX of my $ XXXX payments have gone to principle over the years. I submit that I could have taken better steps to consolidate or lower my interest rate over the years, but I was young. It seems like I should be granted some forgiveness at this point, considering i've never missed a payment, have repaid my loan + plenty of interest at this point. Asking for some forgiveness.
Product: Mortgage

LoanCare LLC is the loan servicer. I am very near the decision to litigate with them. 

I have tried to call, write and use their website to create an account so I can pay my responsibility with no success and they will not help. My loan was sold to them by XXXXXXXX XXXX without my knowledge or consent and now I can not establish a way to pay LoanCare LLC. 

Also, I was affected by hurricane Milton, it went directly through my area, and was granted emergency forbearance under federal and local law. This forbearance is not recognized by these guys and they refuse to honor the emergency federal decrees and protections that are afforded to me by law. 

Each time I try to communicate with them they are VERY rude, unprofessional and not helpful. Many times they say they are having " technical issues '' and the call disconnects after XXXX min of waiting. They also lie to me and will not share the policies in the company that affect my account negatively. I researched this company and they have YEARS of XXXX star XXXX reviews with other americans that are having the same issues I am having. most of these reviews ( XXXX ) are from the last couple of months so this is an ongoing issue with many other people that are now stuck with this loan servicer. 

I would like to request that my loan be returned back to XXXXXXXX XXXX or sold to XXXX XXXX XXXX They both have the systems and company processes in place to properly service loans and follow government regulations and laws.
Product: Debt collection

I have attempted multiple times since 2018 to dispute the accuracy of the amount owed with the collection agency and with the actual rental company XXXX XXXX, prior to the amount being brought to legal action which led to dispossessory. The company refused to provide accurate payment history documents and charges added on to account. XXXX did not properly notify me of the court date which led to me not being able to appear in court and the court did a default judgement. They closed my account and prevented me from accessing payment history and detailed items of charges. The rental company was backcharging for utilities without explanation and did not have a proper and accurate bookkeeping system/manager who was responsible for handling charges. The amount that was reported to be owed was increased substantially with no explanation to why. When the rental company XXXX XXXX sold the debt to Hunter Warfield they reported an inaccurate amount from the original inaccurate amount that was submitted to the XXXX XXXX XXXX. Hunter Warfield representative threatened they would garnish wages or sue if i was unable to pay back the wrong amount reported.
Product: Credit reporting or other personal consumer reports

I am sending you a letter regarding the errors and mistakes that I have found on my credit report. These mistakes that you are reporting are affecting my character and reputation as a consumer. 

For XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX For Experian : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX For XXXX : XXXX XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX
Product: Checking or savings account

I checked my account on XX/XX/XXXX to check if bills paid went out. No fees. Incurred a overdraft fee on XX/XX/XXXX, identified on XX/XX/XXXX. Deposited funds to cover the overdraft on XX/XX/XXXX plus additional funds to cover another automatic payment. Per the Deposit Agreement with KeyBank they change the posting order of automatic payments and created an additional overdraft charge even though I went to bank and deposited cash. How is that fair, to charge two overdraft fees when there should only be one? I never picked KeyBank to be my bank I am just the unlucky person who started with a bank that was sold twice but this is completely unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! 

The XXXX breach exposed my information so Ive been very concerned about my consumer file. Per 15USC 1681, credit transaction, arising from credit cards should not be included on a credit report. This disputes are due to the violations that XXXX is reporting inaccurates informations on my credit report. This is violations 15 USC 1681d defamation of character and you are now in violation of 15 U.S. Code 1611 Criminal liability for willful and knowing violation that you are reporting incorrect information. 

The reporting of the late payments are also not accurate!!! 
these should not have been reported in the first place!!!! THIS IS ILLEGAL This is an inaccurate direct violation 15 USC 1666b, Remove late payments Asap By the provisions of the Fair Credit Reporting Act, I demand that these items be removed from my report. It is my understanding that you will get the creditors to abide by my demands per Us law or be prepared to face some legal consequences! 


I tried to talk to the creditors and they turned me down. They hung up on me. 
They did not help my situation!! 

Now im demanding that these things be removed or prepare for {$1000.00} fines to be dished out! 

XXXX XXXX
Product: Mortgage

On XX/XX/19 we began escrow for the property at XXXX XXXX XXXX XXXX. XXXX CA, XXXX. A home inspection was done by a third-party inspector, XXXX XXXX on XX/XX/19. The inspection showed that the rood needed repairs for missing tiles. There were electrical splice issues found in the attic and the light switches in bedrooms did not work. I requested to my realtor that repairs to the items mentioned previously will need to be repaired before moving in and finalizing escrow. My realtor, XXXX XXXX assured my daughter and me that repairs will be made by the time escrow is closed. We took XXXX XXXX word that repairs would be done by the time escrow was closed and we were moved in. On XX/XX/19 we  closed escrow on the property and became the owners. XXXX did not hand us the key. The key was left hidden in the backyard of the home. Once we got inside we noticed that repairs were not made and found even more damages such as structural cracks on the side of the home and the backyard. The window in the bonus room is cracked and the vent to the fireplace is also inside of the bonus room which raises health and safety hazards. The bonus room is also an illegal add-on which was not listed in the property listing yet the square footage was added to the property listing. The home has been red-tagged by the gas company because the gas valve was broken and causing a leak. There is rain behind the wall in the bonus room, the ceiling also leaking in the bonus and in the garage. This home was purchased under an FHA loan. All of these repairs are unacceptable under an FHA loan. I have reached out to XXXX XXXX XXXX    manager XXXX XXXX at XXXX XXXX XXXX XXXX XXXX and she has been no help to the matter. I only want the repairs to be made and I have been given the run around by XXXX 's team, the lender XXXX XXXX at XXXX XXXX XXXX and the escrow company XXXX XXXX XXXX. I am filing this complaint for help because this was an unfair deal, I would never purchase a home with this many issues. I have attached the closing details to the home in the documents.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a dining table, a server, 6 dining chairs, and 4 barstools. The chairs and barstools were delivered the same week. I had a delivery appointment for the rest scheduled XX/XX/XXXX. They did not show and rescheduled for XX/XX/XXXX. Again, no show. The same thing for XX/XX/XXXX and XXXX. When it got pushed to XX/XX/XXXX, I asked to cancel the order and return the dining chairs so that I could purchase furniture that actually existed. They sent XXXX to pick up the chairs on XX/XX/XXXX. The chairs were received by Ashley in the original, unopened packaging on XX/XX/XXXX. I inquired with Ashley on XX/XX/XXXX as to when I would receive a refund to my card. I received no response to that email. On XX/XX/XXXX, I inquired again and was told that the financing company may have a hold on the refund. I verified with Synchrony that Ashley has not issued a refund request, nor is it legal for them to " hold '' a refund. If Ashley had initiated a refund, the refund would have shown on my account in 3-5 days. I am due a refund of {$470.00} as shown in the order details for the return.
Product: Credit card or prepaid card

On XX/XX/XXXX and XX/XX/2023 some unknown Frauster using their phone to make 2 unauthorized transactions and sent {$2000.00} and {$2000.00} to their account at XXXX XXXXXXXX XXXX but both of these 2 unauthorized transactions were returned back to my credit card account at Citibank from XXXX XXXX XXXX on Saturday XX/XX/2023. But the Citibank Credit card Department still want to charged me {$4000.00} for this amount which was returned to my credit card account at Citibank. I have complained to the fraud department of Citibank on XX/XX/XXXX and XX/XX/XXXX about this issue and also disputed with a supervisor named XXXX at the dispute center and she agreed that I was not responsible for the unauthorized transactions on my credit card ( even though these 2 units transactions were returned back to my credit card from XXXX XXXX XXXX on Saturday XX/XX/2023. On XX/XX/2023 Citibank credit card department also committed fraud by drawing {$4600.00} out from my checking account which is not related to my disputed credit card transactions. The Citibank has clearly wanted to commit theft and violated to the. Fair Credit Billing Act, Consumer Rights Act and Business law of the United States. Address and phone number of Citibank : XXXX XXXX, XXXX XXXX XXXX. Phone : XXXX. Address : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, NY XXXX, United States Please notes : She oversees the Credit Card Department and all of Citibank operations in other cities in the United States as well.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an account reported by Jefferson Capital on my credit report. This account is inaccurate for several reasons. First, there is no original creditor listed, which prevents me from properly investigating this alleged debt. Additionally, the account shows an inconsistent payment history, which is a violation since collection accounts should not report any payment history. Furthermore, the date last active is reported incorrectly : XXXX shows no date, while XXXX lists XX/XX/XXXX. This is particularly troubling since the date opened for this account is stated as XXXX, making the reported date last active in XXXX completely erroneous. These discrepancies are clear violations of the Fair Credit Reporting Act ( FCRA ), and I demand that this account be removed from my credit report immediately. If this issue is not resolved promptly, I will pursue litigation for the damages caused by this inaccurate reporting.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a
consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit reporting or other personal consumer reports

I recently checked my consumer reports and noticed that there was information on my reports that i did not authorize. under the GLBA and FCRA it is ILLEGAL to furnish any information to any agency without the consumers written consent. I originally had an account with Spectrum they furnished my information to XXXX XXXX XXXX which then furnished my information XXXX, all without my written consent. below i attached a dispute letter to further explain the laws being broken, i demand a deletion at once.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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/year> XXXXXXXX XXXX XXXXXX/XX/year>
Product: Vehicle loan or lease

I had a XXXX XXXX XXXX XXXX, I was in a car accident on XX/XX/XXXX. I was paying a XXXX dollar car note to Wells Fargo with XXXX insurance included. When my XXXX XXXX paid their portion of the vehicle Wells Fargo ( XXXX ) XXXX was supposed to pay the rest, and have yet to do so they stated that it takes 180 days to be processed and they were provided with all documentation from my insurance claim. I have tried several times to reach out to XXXX and no one has yet to respond. I hope and pray that this matter is resolved soon. Thank You.