23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I attended XXXX University in Fall XX/XX/XXXX-Spring XX/XX/XXXX. To pay tuition and help with expenses, I took out a XXXX XXXX Signature Loan from XXXX XXXX. I ended up getting a job offer from XXXX in XX/XX/XXXX and never attended classes at XXXX University in the Spring semester. XXXX XXXX paid the school and XXXX accepted the money against my wishes. I went into repayment and paid my loans until I was laid off in XX/XX/XXXX. At that point I began to use economic forbearances until I was no longer allowed to do so, at which point I was unable to pay. I received harassing calls from Cell Phone numbers requesting payment which I was unwilling to give to a cell phone and unable to give due to economic circumstances. In XX/XX/XXXX my situation improved and I received a good paying job. I tried to get in touch with XXXX XXXX but was completely unable to do so. In Fall of XX/XX/XXXX I returned to school on a part time basis. I remembered that this should qualify me for an in-school forbearance, and so I signed into my XXXX XXXX account. Fortunately my loans were not defaulted! I could not request forbearance through their system any longer, but I could contact them. I sent them a message through their system informing them that I had returned to school and was seeking in-school forbearance. I also contacted their provided phone number and was sent to an answering machine. I left a message. I never heard back through either e-mail or phone. In XX/XX/XXXX, I was informed that my student loan debt was now Navient Solutions. I assumed that Navient Solutions knew that I was back in school and had automatically deferred my payments because I never heard anything else from them. In Spring XX/XX/XXXX I was informed that my loans had defaulted. I was offered a very nice settlement offer, but unfortunately I was unable to take it at the time. In XX/XX/XXXX, I was sent another message letting me know that my debt belonged to a company called " XXXX '' and they expect full repayment. They gave me the options to dispute the debt in writing, which I did. This debt should not be defaulted as I am and have been in school on a part time basis for the past 4 years. On XX/XX/XXXX I received a response of a single promissory note from XX/XX/XXXX with a note that " We are confident that all your questions should be answered by the enclosed documentation ''. I also received letters letting me know that these loans would be sent to law firm. The letter says that if I have until XX/XX/XXXX to respond, but when I tried to call the number provided I was once again sent to an answering machine. I left a message but have not heard back. I filed a complaint with the CFPB against XXXX, but they replied that they are not to blame and that Navient and XXXX XXXX are to blame. Now I 'm writing to you again, this time with Navient as the recipient of the complaint.
Product: Checking or savings account

I called several Different times on XX/XX/23 - XX/XX/23 about my new checking account with US Bank being frozen. I opened this account because I have an account with XXXX and they do not use XXXX. I had a pay card with US Bank so decided to open a checking with them. I have no branches near me as I live in XXXX XXXX. The closest branch is over XXXX miles away in XXXX XXXX XXXX, XXXX. They said I had to go in person to a branch with my lD no exceptions. This is unacceptable. There must be another way to prove my identity. I have not received my bank card as of yet, but hoping that will arrive soon.
Product: Credit reporting or other personal consumer reports

Im filling out a compliant an against TransUnion failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) ,15 U.S.C. s 1681l, which mandates a resonates a reasonable investigation of disputes. Furthermore, TransUnion s actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.ss 55.36 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

FOX Collection Center has been assigned to collect a debt for XXXX XXXX XXXX in XXXX, TN. This is for a medical procedure my husband had done. 

They communicate with us thru mail and also our cell phones. Today XXXX, Fox attempted to contact me & my husband during our work hours on our cell phones. They chose not to leave a message. Was n't long when my husband received a phone call from HIS EMPLOYER that he needed to call a certain number!!! 

FOX COLLECTION CENTER has chosen to leave a message with my husband 's employer instead of on our personal phone lines, which they have, which does have working voice mails. 

Therefore, I 'm filing a formal complaint against them for unfair business practices. There was absolutely no need for them to leave a message with his employer. That could have been done when they called both our cell phones right before that!!! 

And as a side note, we have NO IDEA where they even got his employer information. We never gave it to them. This is very unfair and strong arming should be against the business practice of collections!!!
Product: Debt collection

After I requested proof of debt the company continued to call. During XXXX call, within 30 days, I was threatened with harm to my credit score. I had not had a chance to review the documents that they said they had sent yet.
Product: Checking or savings account

I recently looked on my consumers report and I see that account believed to be mine, which isn't, was opened using my identify with this company. I've never served in the military so I would never open a USAA account. please investigate and remove my info from your system, as it is damaging my good name .open date XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

on XX/XX/2023 I deposited my wife 's XXXX  check along with my grandsons XXXX XXXX check into my account thru the ATM both checks were endorsed by all parties. Chase bank flagged the account as fraud. I made contact in person with the bank to try and resolve this issue. I made four trips to the bank on the same day and provided all the information they requested such as identification birth certificates and even had my grandson with me in person and at the end of the day they would still not release the funds. I have made multiple phone calls to the number the bank provided to try and resolve the issue and now they are telling me that my grandson has to have a cell phone account in his name to prove his identity even after he provided them with his ID and social security card and birth certificate. The banks next step was to close my account and we still cant get the issue resolved.
Product: Debt collection

I explained to the collector that the energy company had provided me with a refund. All mail was forwarded to my XXXX XXXX XXXX Never received bill. I was willing to pay once the collection agency submitted to me a bill for the requested payment. He assured me that he would. I have received no such information, only a bill presented to me by the collection agency. I feel that an itemized bill is not to much to ask for since I received a refund check but never a bill payment due. 
I am still looking for validation that I owe these monies. I do no think I should pay a bill to anyone who can not present proof of this debt.
Product: Checking or savings account

Email received on XX/XX/XXXX to notify of account being frozen. Reason for account being frozen was an unauthorized withdrawal, which was canceled, also on XX/XX/XXXX. Called customer service to figure out how what and why, they offered that information willingly. XX/XX/XXXX I received a phone call from a sofi security/account specialist, went over basic question as to why this may have occured, we both came to the conclusion of identity theft/identity fraud. He helped me to resecure my account, and told me they would start an automated process to open a new account, in my name, and transfer my current funds to it, I was told no later than XX/XX/XXXX. As of this complaint my account is still frozen, and my funds remain unusable, Sunday XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

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  Dispute Department Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Charge-Off Entry on My Credit Report Dear Experian Dispute Department : I am writing to formally dispute a charge-off entry that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. If the information can not be verified within a reasonable time frame, it must be removed. 

The charge-off in question does not accurately reflect my credit history or the status of the account. I am requesting that you investigate and, if necessary, remove this charge-off entry from my credit report unless proper verification is provided. 

Under 15 U.S.C. 1681i, credit reporting agencies are required to investigate any disputed information within 30 days and to provide written confirmation of the results of the investigation. If the information is found to be inaccurate or incomplete, it must be corrected or removed. The presence of this charge-off on my credit report is damaging to my creditworthiness and violates my rights under federal law. 

Please investigate this matter and remove the charge-off entry from my credit report if it can not be properly verified. I request a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1681i Procedure in Case of Disputed Accuracy This section of the Fair Credit Reporting Act ( FCRA ) outlines the procedures for disputing inaccurate information on a credit report. It states : When a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute within 30 days.

The agency must promptly notify the consumer of the results of the investigation.

If the information is found to be inaccurate or incomplete, it must be corrected or removed from the consumers report.
Product: Prepaid card

I received an Amex gift card as a holiday gift from the XXXX at the school I XXXX at. I've tried the card a few times at several different websites including XXXX and XXXX  with almost no success. 4 out of 6 possible purchases have been declined are listed on the amex website which I pasted below, but many more were declined and are not listed. I'm not sure why but I'm putting a screen shot below. Sometimes the payment goes through and then is rejected later. Here are the times that Amex says the card declined despite me supplying all the information requested from the online stores : XX/XX/23, XXXXXXXX XXXX Declined - Missing security code - XXXX XXXX XXXX XXXX XXXXXXXX, IL {$34.00} XX/XX/23, XXXXXXXX XXXX  Declined - Missing security code - XXXX XXXX XXXX XXXX XXXXXXXX, IL {$25.00} XX/XX/23, XXXXXXXX XXXX  Declined - Missing security code - XXXX XXXX - XXXX - XXXX, WA {$300.00} XX/XX/23XXXX XXXX XXXX Declined - Missing security code - XXXX XXXX - XXXX - XXXX, WA If your credit cards works less than 25 % of the time, it's incredibly frustrating and broken. It's even more frustrating trying to get customer service ( from amex and from the stores ) to help me use it.
Product: Debt collection

Initially a few months ago I received a letter to my mothers previous address stating I needed to repay a debt to XXXX XXXX XXXX XXXX or I would have money garnished. I contacted XXXX and they ran a background report on me for {$25.00}, they stated the debt they were trying to collect was possibly not mine and if it is then it is time barred and they made a mistake as the debt was not on my credit report. I was informed I did not have to do anything more. Yesterday XX/XX/year> the amount of {$610.00} was garnished by Reimer Law Co for that debt. I did not receive any notice that I was having money garnished. When I contacted Reimer Law I spoke with a XXXX XXXX who said he saw I had a garnishment but would contact me in 30 days to set up payment options for the remaining balance. I informed him the address listed was not mine, I did not know of any debt, and requested he send me what he had document wise plus when my last payment was. I was told he would contact me in 30 days.
Product: Debt collection

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, XXXX5 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Product: Money transfer, virtual currency, or money service

XXXX of XXXX  I was using an online app to transfer money its called XXXX. After using the app and having no problems, {$1000.00} was taken from my account and the company/customer service team told me they couldnt do anything about it. So I went to my bank with JP Morgan Chase at the time and they said there was nothing they could do at all. It left my account in the negative and I got partial money back for that when I drove an hour out to tell them that I need my money or Ill have to take legal action, but I still had to give Chase money for an over draft on my account. I switched banks after that.
Product: Debt collection

FIRST INVESTORS SERVICING CORPORATION is reporting fraudulent debt on the credit report of XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous letter dated XX/XX/XXXX, in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on myXXXX XXXX XXXX XXXXXXXX - This account is reporting incorrectly.To date, I have not received confirmation of the correction nor observed any changes in my credit report. 

Date of reported late payment : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX has reported my status as past 30 days delinquent. However this payment was made on time on the app. However it was never applied. XXXX XXXX XXXXXXXX acknowledged it was an error and reversed the late fee, but said they could not reverse the credit reporting. Because of their error, my credit score has decreased by XXXX points! I have lost all of my credit usage with other cards, and now XXXX cant even get a car loan. I have never missed a payment in my life. I am hoping you can fight for me to rectify this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported multiple errors on my credit report including XXXX XXXX XXXX for {$5600.00} and XXXX XXXX XXXX for {$2500.00} The first dispute was done on XX/XX/XXXXand a second XX/XX/XXXX ... Both of which are still under investigation with XXXX with no response and no follow up. Please help It is far past the 30 day creditor response deadline and this information is not correct. This error in question is preventing me from being able to get another home.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Credit card or prepaid card

On XX/XX/XXXX I was suppose to receive my direct deposit in the amount of XXXX. When I called in @ XXXX I was advised that I need to faxed in address verification by a supervisor which constants of a piece of mail and government ID. I sent this information @ XXXX and called back when I faxed in this information. I was told that it will take 4 hours to process and I will receive my funds by XXXX EST. When I called back at XXXX XXXX  they informed me that I needed to send in my social security card. After going back and forth with XXXX who was a supervisor, he then told me they were able to make an exception but sent my direct deposit back to my employer at XXXX XXXX. If I was informed this when I called in when sending the fax i could of contacted my employer HR department.
Product: Debt collection

Subject : Notice of Intent to Sue Dear Credit Control , LLC, This letter serves as a formal notice of my intent to file a lawsuit against your company for violations of federal consumer protection laws. Specifically, Credit Control , LLC has violated the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and Uniform Commercial Code ( UCC ) 9-208, by failing to validate the alleged debt after two written requests within the timeframe mandated by law.

Violations Cited 1. Failure to Validate Debt ( 15 U.S.C. 1692g ) : Your company failed to provide the required validation of the alleged debt after I submitted two timely requests and issued a cease and desist order to your company. Instead, you demanded additional personal information to verify my identity, despite having already addressed your correspondence to me. This places the burden of proof improperly on me, contrary to the FDCPAs requirements.

2. Improper Collection Practices ( UCC 9-208 ) : There exists no privity of contract between me and Credit Control , LLC . By attempting to collect without validation or lawful contractual grounds, your actions are non-compliant with the governing laws. In addition, this is a stall tactic for Credit Control , LLC to continue deceptive business practices and collusion to commit tax fraud with the original creditor. Charge off accounts over {$600.00} are considered income according to the IRS.
The original creditor has not issued a 1099C to me.

Damages Pursued Under 15 U.S.C. XXXX, I will pursue the following damages : Statutory damages, as provided under the FDCPA. 
Actual damages, for the stress, emotional distress, and time incurred due to your unlawful actions. 
Additional damages in the amount of {$50000.00} to compensate for the harm caused by your ongoing noncompliance and disregard of consumer protection laws.

Resolution Sought To avoid litigation, I demand the following within 14 days of receipt of this letter : 1. Immediate cessation of all collection activities concerning this alleged debt.

2. Proper validation of the alleged debt, as mandated by 15 U.S.C. 1692g.

3. A written acknowledgment that no further action will be taken if the alleged debt can not be validated.

Nothing stated in Credit Control, LLCs responses to my CFPB complaints is accurate or valid. If I do not receive a satisfactory response within 14 days, I will proceed with filing a lawsuit against Credit Control , LLC in a court of competent jurisdiction, seeking the full {$50000.00} in damages, in addition to court costs and attorneys fees.
Product: Mortgage

I have been paying for my loan with Loan Care for the past XXXX years. Have been paying automatic withdrawal from my wife 's bank account to them every other week ( XXXX payment each time ). Everything was good until I got a notice that I was delinquent for XXXX payment. Come to find out that they placed XXXX of my XXXX payments into principal, which I had no intention to do so ; should have been applied to my monthly bill. I contacted Loan Care and they were able to do a principal reversal ( only after several follow up calls ), however I was still reported delinquent 30 days to the credit bureau. I have made a formal credit dispute to LoanCare because I feel that it was an error on their part that made me delinquent. In addition, if I knew I was late on a payment ( have not received any monthly statement from them, although they swear that they mail it out to me ), I would of paid them in full ( which I am doing right now ) ; I still have n't received any statements from them. 

My XXXX credit dispute is still pending a decision, however it is very frustrating to know that an error of placing my payment to principal and not having any paper trail/monthly statement to inform me of delinquency has effected my and my wife 's credit score ( around XXXX initial, now XXXX ; good credit report : paid all my creditors on time and provided this history to Loan Care ). 

I would like Loan Care to be held responsible/accountable for the above error that made me/my wife delinquent and to provide me with paper statements ; correct the delinquency with the XXXX credit bureaus. My wife and I make payments religiously and have worked hard to build up our credit ; it is not right that a servicing company could allocate funds in-correctly and not inform myself ( consumer ) prior to reporting to the credit bureau.
Product: Debt collection

In XXXX of XXXX I was in the hospital, and for some reason the Physician bill did not go through my insurance. The bill was sent to collections, and the collections agency called me in XXXX of XXXX. I contacted the physician office, updated my insurance info, and they successfully processed the payment, and I was told I owe {$0.00} and that they would take the charge back from the collections agency and clear the charges. I was under the impression that I was in the clear. 

Fifteen months later ( XXXX XXXX, XXXX ), the National Service Bureau contacted me to inform me that 1 ) The charges still stand, and 2 ) I have had an outstanding charge in collections accruing interest for over a year with no notice. I went to the trouble of requesting a final bill/receipt from the physician 's office as well as an Explanation of Benefits from my Insurance company, both of which show a zero balance. 

I faxed these documents to the NSB, and then told me to give ten business days for processing. I followed up by calling the NSB on XXXX XXXX, XXXX. They informed me that they talked to " the Client '' ( who they would not specify, but who I assume is the Physician 's office ) and that the charges remain, which is in direct contradiction to my clear proof of zero balance. 

At this point, the charges still remain, the debt collectors have made very lazy attempts to contact me, and my credit score is suffering significantly because of a debt that I do not even owe. I believe their delay in resolving the issue despite clear evidence is intentional, and I have no choice but to file a complaint.
Product: Credit card or prepaid card

The company had set return fees on amounts not taken out of the account on the due dates and taken it out of cards stating there were no funds on the account when I called the cards associated with other banks and there were funds on the account. This resulted in fraudulent credit reporting and my credit to go delinquent. This has been happening since 2017 and I am still paying {$40.00} a month under a settlement with Barclays Bank.