23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I DO NOT OWE THIS CMPANY. THEY CONTACTED SOMEONE OTHER THAN MYSELF AND DISCUSSED THIS MATTER. PLEASE REMOVE THIS FROM MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so agitated! I have no idea what is going on over there at the CFPB. Ive submitted this same complaint XXXX times. You claim Im not the one submitting it. This to me is crazy. So Im submitting it again hopefully for the last time. EQUIFAX has been not complying with Fair Credit Reporting Act ( XXXX ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section XXXX by blocking or removing them from my report. Additionally they are violating sections XXXX XXXX XXXXXXXX for willful noncompliance & negligence. I need these accounts blocked/removed from my credit file per XXXX. The accounts are as follows - XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, a collection agency by the name of EASTERN ACCOUNT SYSTEM, INC reported to XXXX that a {$240.00} balance is owed. I am not aware of Eastern Account System Inc, nor did I give them consent to report this debt. I was not notified by mail or phone of who the creditor is, or what company this debt is tied to. According to the FCRA, third party debt buyers can not recover or report any debt to credit agencies without my consent. Below is my request from the collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

This information is related to crimes involving the intercepting and forwarding of outgoing calls from XXXX XXXX XXXX & XXXX XXXX XXXX. One number doing this is XXXX XXXX XXXX. 
I went to get the app credit wise by XXXX  XXXX. The app said that it couldn't confirm my identity. I then applied for a XXXX XXXX credit card. One of the security questions asked me " does XXXX own a house in XXXX XXXX? ". While intercepting my outgoing calls and pretending to be busineses like XXXX XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX And XXXX   and XXXX  the sane customer service agents with the sane names XXXX and XXXX mostly over the last 2 decades have adked security question in order to do things like have XXXX reinstall software previously paid for. I believe that this XXXX cell is an independent contractor call center located in XXXX XXXX XXXX, possibly one call center that I was previously employed by in or around the XX/XX/XXXX. This company also telemarkers falsely as a credit collection agency and uses their power to try and steal debt owed by preventing communication with the real company. Example my XXXX account both times. The 1st time tgey refused to let me pay the pager bill unless I paid a credit card off first. The second time around XX/XX/XXXX -XX/XX/XXXX. They  refused to let ne speak to customer service about a discrepabcy on the bill having to do with having already paid XXXX. XXXX XXXX refused to remove from my credit report when I have paid them. I briefly had XXXX in XX/XX/XXXX through them XXXX  and XXXX where I get my XXXX XXXX XXXX # and forward to XXXX XXXX XXXX. We throygh my mom have mostly had XXXX through her account XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly late payments in XXXX, 2019 for the XXXX XXXX  partial account number # XXXX. ( Please see pages 4 and 5 of the attached credit report. ) I made two consecutive payments in XXXX and my regular scheduled monthly payment in XXXX which brought this account caught up and current to date. These late payments should not be reflected on my credit report. This incorrect reporting is harming my credit score.  Please remove these late payments from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit report and noticed same items that i been trying to dispute and validate with the credit bureaus ( transunion, XXXX, and XXXX ), and the original creditors, debt collectors, collections, etc, but yet to be resolved. I've attempted to contacted them several times through mail, and phone calls, but yet to get them resolved. I've haven't received any responses from them, and would like this to be addressed, updated, corrected and deleted. Although I understand that errors, and mistaken might happen, but would like a thorough investigation done and prompt resolutions.
Product: Consumer Loan

I have a complaint about PayPal credit services because I did n't ask to get sign up for the credit account and I find out after that they attempt to get a pre-approval credit loan on my account. I thought that they pulled money from my credit card or linked bank account. I never get any statements from them and now I see a lot of debt incurring. I do n't think that they have updated the refunds or accurately post them in my account balance! I feel like I 've been cheated because I did n't sign up for this and the high interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX XXXX have reported balances on my report that were unauthorized by me. I never received d XXXX form requesting to use my information in any other way than to obtain the credit line I already secured through our contractual agreement. Therefore, I will need my balance reported to always reflect {$0.00} owed, as well as on time payments for the remainder of our business relationship.
Product: Debt collection

Sunrise has called multiple times per day and at extremely inopportune times, such as early mornings and late into the evening. When speaking with the representative over the phone he kept trying to have me pay off a debt that was the wrong amount without hearing anything I had to say. Extremely predatory and ridiculously unprofessional.
Product: Credit card

Due to website problems, XXXX identical payments were submitted to CitiCard on the same day. When I discovered the error- a Citi customer service rep offered to keep the overpayment & assign future credit, then - as I protested - agreed to 'try to get a refund authorized ' which would take a few days. 
Considering how vigilante CitiBank is for 'fraud ' and late payment - it seems absurd that a {$9800.00} same day double payment could not trigger an alert to me before it was " too late. " In addition, the website problem that contributed to the duplicate payment was additionally obscuring of my account. A $ XXXX payment- noted in the account summary, was not subtracted from Account Due total. Since I was eager to avoid high finance charges, I called customer service to be sure I was paying exactly the correct amount to qualify for NO finance charges forward. For over 25 years I have paid my credit card in full, but discovered that once late payment triggers " XXXX cycles '' of finance charges on exisiting purchases. 
If the website had shown my accurate balance due in a clear way- and if it showed an identical payment already made when the customer service agent manually entered the duplicate ( the website was not accepting my payment from my XXXX XXXX XXXX acct ) - this mess would have been avoided. 
Obviously, there is no incentive for CitiCard to monitor OVERpayments ; holding my {$9800.00} 'hostage ' is clearly a boon top them if thousands of customers are treated similarly. 
There is an easy technical solution- can you make them fix this? 
If you require documentation of my difficulties- I am happy to submit all records & names of customer service contacts. 
Thanks for your attention to this matter.
Product: Student loan

After national emergency forbearance went into effect, Navient reversed my student loan payments that I tried to make. I made payments on XX/XX/20 ( {$540.00} ), XX/XX/20 ( {$670.00} ), and on XX/XX/20 ( {$670.00} ). These reversals followed a successful payment on XX/XX/20 ( {$540.00} ), which resulted in full repayment of one of my 5 loans. I contacted Navient and they responded, letting me know that my bank declined the payment. They suggested that " usually a number has been entered incorrectly. '' I contacted my bank ( XXXX XXXX XXXX ) and they indicated that they had no record of these transactions. My transaction history does not indicate any payments or reversals. I find Navient 's explanation to be suspect - my bank account information has been stored on my account with them for years and I am on an autopay system. No information changed. I suspect that this may represent a craven attempt to prevent repayment of the principal of the student loans during forbearance. Navient offered an address where I can send paper checks to pay. If this problem persists then I will pursue this option. I wanted to submit a complaint in case this is a widespread practice, in which case Navient should be held accountable for this.
Product: Student loan

I file bankruptcy in XXXX  while working for public servicing and listed loans on bankruptcy and I was not able to get student loans removed or declared out
Product: Credit reporting or other personal consumer reports

XX/XX/ Monday I called Equifax to report that I logged into Equifax com and could not see my credit report or my debts that were reported. I had to access XXXX XXXX to see my scores and debts that was on my credit and I'm not sure if it is even accurate.
Product: Checking or savings account

Multiple instances of online account access being down. Impossible to access account information through either the website or the mobile app. No explanation provided by bank other than a vague notice that the website is not accessible at that time. The worst website reliability I have ever seen in a banking website.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that you, the 3 credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/year> and XXXX opened XXXX XX/XX/year>. I do not recognize the aforementioned accounts, collections, or charged off accounts. The aforementioned accounts, collections, and charge off appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and charge off are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and charge off are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute. XXXX - XXXX ; MEDICAL - XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX - XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Product: Debt collection

I called XXXX XXXX XXXX in Pennsylvania, and it took a while for them to get the bill paid, but it was resolved. However, it hit collections already and I contacted the debt collector and sent them the account number as proof that it was paid to an email, they have given me. I am on ssi so I don't know why I have a medical bill in collections in the first place. I called the debt collector again and they said they have no notes about the email i sent. I am trying to get this off of my credit because it's been long enough.
Product: Debt collection

This company is hindering my credit score by posting a fraudulent collections account on my credit profile. From a company I've never did business with. I've never lived at that address. I don't have any identification from that address. The address for that account isn't even on my credit file. I've asked them several times to remove the fraudulent account to no avail. They posted the same account multiple times drastically decreasing my score. They can't verify this account because it is fraudulent. They are in direct violation of the Fair Credit Reporting Act. They must remove inaccurate and unverified information from my credit file within 30 days. If you look at their XXXX reviews you will see this company Sequium Asset Solutions have a 1.6 rating out of 5 with over 380 reviews. Majority of the reviews are on their fraudulent and illegal practices.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TRANSUNION credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Account name : XXXX XXXX XXXX  XXXX Account number : XXXX Date opened : XXXX XXXX Amount : {$5000.00} Account name : US DEPT OF EDUCATION Account number : XXXX Date opened : XX/XX/XXXX Amount : {$5600.00} Account name : US DEPT OF EDUCATION Account number : XXXX Date opened : XX/XX/XXXX Amount : {$5100.00} I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

Most of my available money is tied up in online banking with Ally Bank. They used to be reachable by phone, now they won't pick up when you call. You have to wait for a call back. Their website says it will be a 1 minute wait. I tried to speak a week ago with them, it took 48 hours for a call back, I missed the call because it was a sunday at XXXX. This is a problem, I need to be able to speak with someone. They locked me out of my account because I tried to login from several places -- I have linked accounts to an investment account and a budgeting app. I haven't changed my password, and haven't had issues until recently. Their system is messed up. This shouldn't affect my ability to access my money but it is. This is a problem, my mortgage payment comes out of one of my account with them. This is a HUGE problem.
Product: Credit card or prepaid card

I had filed several disputes with my Apple Card for purchases that I never received. I had contacted Apple Card support and spoke with the disputes department for each of these disputes listed below to file disputes that I never received the purchases. Apple support even ask me for expected dates of delivery for my purchases when I filed the disputes for merchandise never received. I explained that no delivery information or tracking information was ever provided and I believed the merchants to be fake. After I submitted the complaints, some time later I received notifications from Apple Card support that my claims were denied and the reason for the denial was because the transactions were authorized by me. The provisional credits were then reversed and the charge was reapplied to my account. This did not make sense, because my disputes had nothing to do with the transactions being unauthorized, we already knew the transactions were authorized by me, but my disputes were for purchases never received. I contacted the Apple Card Support disputes department and spoke to a dispute specialist and explained to him that the reason for denying my claim does not make any sense and the rep understood my explanation and proceeded to resubmit all of the dispute claims that were denied incorrectly for the reason of the transaction was authorized by me. Provisional credits were applied to my account again, but some time later I received the same notification again from Apple Card support informing me that my claims were denied because the transactions were authorized by me. So contacted Apple Card support disputes department once more to explain that my claims have been denied once again in error, and the rep once again understood and proceeded to reopen the disputes again and crediting my account for the disputes. After submitting these disputes to Apple Card support for a total 3 different times, Apple Card support continued to make the same mistake denying my claims until the timeframe for me to file a dispute expired. Now Apple Card is expecting me to pay the balance for these transactions that I never received due to their negligence in their handling of my disputes. They made the same mistake 3 times and I refuse to be responsible for their own negligence in handling my dispute claims when I had made it clear to them the nature of my dispute. I expect Apple Card to take responsibility for their mistakes and correct the balance on my account. 

XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX ( DISPUTE REVERSAL ) {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( DISPUTE REVERSAL ) {$1000.00} XXXX XXXX XXXX XXXX XXXX ( DISPUTE REVERSAL ) {$960.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( DISPUTE REVERSAL ) {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( DISPUTE REVERSAL ) {$530.00} XXXX XXXX XXXX XXXX XXXX ( DISPUTE REVERSAL ) {$1500.00} XXXX XXXX XXXX XXXX XXXX ( DISPUTE REVERSAL ) {$1500.00}
Product: Credit reporting

I have constantly disputed items on my report as not mine and they constantly say they are, I 've submitted multiple documents, now on the latest dispute they placed a fraud alert that I did not request and mailed me XXXX letters from equifax, XXXX for me at the correct name and another in a similar name but different middle initial, they are merging my credit with someone else 's and refuse to do anything
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account #, XXXX, XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions this is not me once again however I keep getting these negative reports and it's hurting my credit
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union about multiple overdraft fees I have incurred. Even while Having sufficient funds when the transactions were authorized, I was charged fees due to delayed or lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices. Where transactions settled with insufficient balances despite initially having funds. I believe these practices are unfair and request an investigation into my account transactions
Product: Student loan

Existing complaint ( Submitted to the CFPB on 2016XXXX ) : I have about $ 250k in student loans. I contacted XXXX XXXX and XXXX, and I was able to get the loans placed in forbearance as I transitioned between careers. With all of the bills flying at me, it was my understanding that I had personally secured my loans and assured that nothing would default. However, Navient Student Loan Services failed to contact me by any means until I received a call one day from a 3rd party. I was unaware of the loans being sold to them, and had never heard of the company. By this point the loan was 96 days past due. After 30 minutes or so on the phone, I was able to work out a delayed forbearance plan XXXX-XXXX. They stated that three months had already past, so they could only do a retroactive forbearance for the XXXX-XXXX timeframe since I was already behind during those months. Confused? Yeah, me too. However, I went to look at my credit statement a week after working out this forbearance, and Navient had the audacity to hit my credit report with 4 90-day late fees. When I confronted them about it, they stated that there was nothing they could do about it except reconsider once I sent a letter explaining my circumstances. I 'm sending the letter, but I suspect I 'm not saddled with a deplorable credit score due to circumstances largely outside of my control. <P/>Submitting 4 90-day late reports to credit bureaus and refusing to address the issue by taking some responsibility is unfair and unnecessary punishment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, New York, XXXX XXXX There are damages on my consumer report and according to 15 U.S.C 1681 this is not acceptable.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete accounts listed IMMEDIATELY!