23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been experiencing a reduction in work hours since the pandemic started. Navient has worked with me up until this time, but now Im receiving conflicting information and issues moving forward. 

I received and email stating that as of XX/XX/31 short term coronavirus relief was no longer available for private student loans. 

I went to their website under covid-19 assistance and it states the program is available until at least XXXX with a note that you cant use it for more than 12 months. 

I called to speak to someone yesterday and they told me I have no other options that to make the repayment because Ive used all other options. The reality is I am still working a reduced number of hours and need assistance in postponing payments. I have been very proactive in reaching out before payments have been due to keep Navient informed about my situation. Unfortunately all of the sudden Im getting conflicting information from their sources and no real help.
Product: Prepaid card

I bought a prepaid card couple days ago XXXX  XX/XX/year> in my arena and load it XXXX XXXX When I get home I called customer service to activate my card to my surprise they were saying that I have an old closed account with them which I told them that this is my first time having a Netspend prepaid account. They were asking me security questions from my old account which I do not know as I do not remember opening XXXX. They ended up red flagged me even tho I gave them my full social security number they told me that they going to refund my money through a check but whos adress are they going to send it to??? Where is my money??? I want to get it back through bank transfer as there is a lot of mail theft around my area. Plus NETSPEND product should never be in the market it just causing so much trouble for people like me.
Product: Debt collection

CAINE & WEINER violated my right on XX/XX/2022 I recently got a message on my XXXX XXXX and XXXX credit report that I had a collection account CAINE & WEINER. I have never received notification Pryor to seeing the account pop up on my credit report. there in violation of 15 U.S. Code 1692c i have no knowledge of this debt or the original Creditor. Also the XXXX XXXX is located at XXXX XXXX XXXX XXXX XXXX, CA XXXX and is not allowed to collect Debt in New York State XXXX CAINE & WEINER Opened XXXX XXXX, XXXX  Account number unknown Balance {$490.00} on XX/XX/2022 Original balance {$490.00}
Product: Debt collection

The XXXX is selling fake consumer debt portfolios to collection agencies. The XXXX is collecting these monies to unjustly enrich its stakeholders and/or increase its stock value. 

The XXXX 's is an apartment complex for students at the University of XXXX. 

I never had a valid contract with the XXXX because I 1 ) failed to obtain a guarantor or 2 ) failed to paid XXXX ( XXXX ) times the month rent as a deposit. 1 or 2 were an essential condition of the application to rent ; the XXXX now claims was also a rental agreement. I did not meet the conditions of the application to rent, Therefore a contract does not exist. 

The XXXX sold a fake debt in my name to Southern Management System, XXXX XXXX XXXX XXXX, FL XXXX, ( XXXX ) XXXX. 

The XXXX did not take a particular dwelling off the market since The XXXX never received a completed lease agreement and any other required information or monies to rent that dwelling.. There is no original of the Lease Contract because it was never fully signed since I did not meet the essential conditions of the application to rent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXARD Bank Credit Cards Inquiry date : XX/XX/2021 THIS IS NOT MY INQUIRY, PLEASE REMOVE THIS FROM MY CREDIT FILE
Product: Mortgage

This letter is part of investigation of fraud involve my mortgage, I have attached this inquiry a copy of the assignment in question. please provide me this information I listed below. 1. the balances of notes that transferred or sold. 2. who is the lender for each note. How many notes in this assignment. 3. what role you played creating this Assignment. My Name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX please be inform your answer will be use in court. This letter is part of elimination process to find out who involved in mortgage a fraud.
Product: Credit reporting or other personal consumer reports

You do not recognize these credit inquiries, and you have asked for them to be removed and the bureau did not do as you asked. I am providing an identity theft report, which you will attach to this and you are requesting them to be removed because they are in accurate and not yours.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX, one of the major credit reporting agencies, for its repeated violations of the Fair Credit Reporting Act ( FCRA ). I believe that XXXX has failed to uphold its legal obligations, causing significant harm to my credit profile and denying me access to vital information about my credit standing. 

XXXX. Inaccurate Data on My Credit Report Despite my numerous attempts to correct errors on my credit report, XXXX has consistently failed to address these inaccuracies. I have filed multiple disputes regarding incorrect information that continues to appear on my credit report. Each time, I have provided sufficient evidence to support my claims, yet XXXX has either ignored my disputes or failed to correct the erroneous data. This persistent inaccuracy is a direct violation of FCRAs mandate that credit reporting agencies maintain and report accurate information. 

XXXX. Denial of Access to My Credit Report and Credit Score For the past several months, I have been unable to access my credit report and credit score through XXXX. Despite multiple attempts to retrieve this information, I have been consistently denied access without any valid explanation. This lack of access impairs my ability to monitor my credit health and take necessary actions to manage my financial responsibilities. This, too, is a violation of my rights under the FCRA, which entitles consumers to access their credit information. 

I am deeply concerned that XXXX actionsor lack thereofare negatively impacting my financial standing and potentially my ability to secure credit or favorable interest rates. These repeated issues are causing me undue stress and frustration. 

Given the seriousness of these violations, I respectfully request that the CFPB investigate XXXX 's practices and take appropriate enforcement action to ensure they comply with all applicable laws under the FCRA. I also request that my credit report be immediately corrected, and that I be granted full access to my credit report and score without further delay.
Product: Credit reporting or other personal consumer reports

Just recently I went to purchase a car and when they did my credit check they brought it to my attention that I have a small online loan that was issued to me from a money lion bank. I have never heard of this Bank nor have I ever banked with them. I have had my driver 's license and social security card and birth certificate stolen twice in the last 3 years I wasn't aware that there was anything on my credit report and now that I am I'm trying to cover all my bases before the situation gets any worse. Not only is there a strange charge from this money line Bank online credit report but there's also a charge from some medical firm or something for {$1000.00} when I've had medical insurance the entire last 7 years so I'm trying to resolve that issue as well right now with my insurance company and I would like to have that taken off and credited on my account as well because you know I will get that paid and straightened out and it shouldn't be penalizing my credit.
Product: Credit reporting or other personal consumer reports

I have requested the removal of false addresses and phone numbers and names from experian which hold a false account from XXXXXX/XX/XXXX in my experian system and this is not in my XXXX account XXXX XXXX account is accurate and up to date
Product: Credit reporting or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXccount Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 XXXX 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: Debt collection

During the week of XX/XX/XXXX, I received a letter from Frost-Arnett Company seeking to collect {$100.00} on debt purportedly owed to XXXX XXXX XXXX XXXX I thought I had already paid everything related to a medical event in 2022 so I called XXXX XXXX XXXX, and the billing department confirmed that I had no outstanding balance. I was then going to dispute the charge with Frost-Arnett XXXX but its online portal would not allow me to proceed without first agreeing " to allow Frost-Arnett Company and anyone who collects or communicates on Frost-Arnett Companys behalf to contact me about my account status, including past due or current charges, using prerecorded calls, text messages, email and calls or messages using live, artificial, or prerecorded voices delivered by an automatic telephone dialing system or any other computer-aided technologies to any landline phone, wireless phone number, other contact number or email address I have provided or that I obtain in the future. ''
Product: Checking or savings account

I used by debit card with Charles Schwab to pay in advance for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX necessitating further XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
I called Charles Schwab immediately to reverse the transaction, but they told me they could do nothing until it ceased pending. 

After it ceased pending, I filed a dispute on XX/XX/XXXX, and provided proof of the injury and unsatisfactory service that was not as described in the form of photographs of my injury, inflicted on me by the XXXX, on XX/XX/XXXX. 

On XX/XX/XXXX, Schwab replied with a denial because " the merchant has provided documentation of the disputed transactions. '' The XXXX  sent all my confidential medical records to Schwab, and Schwab appeared to ignore the basis of the dispute as an unsatisfactory service that was not as described, only looking for whether the service was attempted. 

On XX/XX/XXXX I replied with a further dispute laying out the basis of my complaint not as that the service was never performed, but that it was performed in a manner anyone would find unsatisfactory and not as described. 

On XX/XX/XXXX, Schwab again denied the dispute for the same stated reason. I called and was informed by a customer service representative to email XXXX because they review determinations. I did so. They never responded. On XX/XX/XXXX I reached out again by email and received no response. 

On XX/XX/XXXX I called Schwab and spoke with a customer service representative and a manager who gave his name as XXXX. I was informed, after much probing, that they simply do not recognize any disputed charge on the basis of an unsatisfactory service or a service that was not as described, and refused to reverse the charge, and insisted I bring a private suit for redress. 

This policy is unacceptable and highly anti-consumer. Consumers need a remedy more available than a lawsuit for when services are plainly not as described. Otherwise unscrupulous merchants can fail to provide a service or provide a substandard service and run with the money.
Product: Checking or savings account

On XX/XX/22, my husband noticed that over {$2000.00} was debited from our checking account at Citizens Bank. We immediately called the bank and were told it was fraud associated with my husbands bank card. We were told they were cancelling his card and reissuing a new card. We were told the money would be credited back very quickly. For the next week, we called the customer service EVERY day multiple times following up. We were constantly being told different stories every time. Then we were told they had to find video footage and investigate before they would determine if we would be reimbursed. This caused extreme financial hardship on our family, as our entire account had been wiped out, with the exception of {$60.00}. After a whole week of contacting them, we got a phone call from their collections department, telling us that they debited our account for delinquency on paying our HELOC loan. We are enrolled in autopay, and could not understand why they did this. They then told us they couldnt debit the last two payments due to insufficient funds. My husband pulled up our account on both of the dates she gave us, and there was more than adequate funds to cover it, which he told the customer service rep. She then had him hold and came back on and was nasty telling him that they can not/ will not refund us the money they took. She then gave us the last 4 digits of an account and accused us of changing our account and thats why there were insufficient funds. My husband said that that was not our account, nor has it ever been an account of ours. We have had the same account since we opened with the bank. After holding again for quite some time, she came back on with a different tone and admitted that they had a system migration a few months ago, and our account was entered incorrectly. And that the error was on their end. She said the money would be refunded in 48 hours. We finally got our money back yesterday ; this has caused extreme emotional stress, as well as financial hardship. This could have been avoided with adequate communication amongst their departments. We are extremely upset about how this was handled. We have children to feed, and a house to care for. They left us with {$60.00} for a week and a half. If we had not called EVERY day and relentlessly pushed the issue, we still would not have answers, and NOT have gotten our funds returned to us. It is absolutely horrible customer service and a terrible way to treat customers.
Product: Payday loan, title loan, or personal loan

I applied for an online loan on XX/XX/2019 with Americash online payday installment loans.

I also have another pay day installment loan out with XXXX in XXXX XXXX, IL my first payment with Americash was for over XXXX beg on XX/XX/XXXX and the remaining payments were XXXX each bi weekly with the last payment ending in XX/XX/2019 Combined payment from Americash and XXXX are taking me over the IL allowed 22.5 % of gross income set by IL consumer laws. 

I reached out for a repayment and was given a new repayment amount of XXXX for a combined amount of XXXX each bi-weekly, I also have to pay XXXX bi-weekly to XXXX XXXX. 

I am requesting Help for a deceptive practice in violating my consumer rights in having a fair interest rate and repayment schedule not to exceed 22.5 % of my income. 

Americash was aware of my 2nd loan due to XXXX XXXX as they share a network loan database, and they should not have based on IL law granted a loan to a distressed borrower if they are not financially able to make the payments. 
the demand repayment agreement is in violation of IL lending laws I can no longer afford my mortgage or utility bills Americash called my place of employment on XX/XX/2019 I emailed them revoking the wage assignment which is allowed in Illinois Please help me as I am swamped in Payday installment loans
Product: Credit reporting or other personal consumer reports

I have discovered incorrect information on my credit report that violates 15 USC 16c-2. These hard inquiries were not authorized and are damaging my creditworthiness.
Product: Debt collection

Plaintiff, XXXX XXXX, has not received confirmation nor certified testimony that the defendant ( s ) complied with the FDCPA, XXXX, and/or XXXX and all its mandated rules when it comes to debt collection. Therefore, Defendant ( XXXX ), Starmark Financial LLC and XXXX XXXX XXXX, is to present Plaintiff a certificate in testimony that the alleged debt presented in the attachment labeled Exhibit A is compliant and not subterfuge. ******copied from affidavit attached to this complaint******
Product: Debt collection

We cancel the services rendered by XXXX on or about XX/XX/2019, a year later I received a collection letter from a company attempting to collect a suppose debt that allegedly I have with XXXX, I called XXXX and they said that the services were never canceled, proof that it was cancel Is the fact that I still have same services thru them but with another account number that is current. I never received a bill or anything. They claim that the services were disconnected due to non-payment when In fact I had already canceled such account with them.
Product: Credit card

Citi bank was charging expedited payment fees on my delinquent accounts. I paid the fees after they said it would remove any negative affects from my credit reports. I sent in the check payable to Citi through their debt collection company. I was told this would be removed from my credit reports. Citi should have this removed!
Product: Credit card

I was informed of a U.S. Bank fraudulent charge account ( ALLEGEDLY ) initiated by my wife, after XXXX on XXXX XXXX, XXXX. 

I closed a U.S. Bank charge card account back on XXXX/XXXX/XXXX due to the incredibly poor handling of a fraud issue. U.S. Bank was informed in writing, " DO NOT EVER SEND ANOTHER CARD TO THIS ADDRESS. '' Apparently they did and my deceased wife has been using it on her own. 

U. S. Bank was immediately informed of this discovery by " ME '' shortly after her death. 

U.S. Bank in turn dumped the entire debt onto the credit bureau accounts under my name. I have never seen this application or a charge card. I have told them, " YOU FRAUDULENTLY PUT THIS XXXX ON MY CREDIT REORT, YOU GET IT OFF. 

I have been in too many discussions to count with U.S. Bank fraud department employees all to no avail. 

U.S. Bank was informed of the discovery of a forgery kit utilized by my deceased wife. U.S. bank has been informed of everything all to no avail. 

U.S. Bank continues to send statements every month even though they are fully aware this is an issue " UNDER CLEAR DISPUTE. '' As a result of their ineptness, I have turned this issue over to my attorney, XXXX XXXX XXXX attorney and counselor at Law. XXXX XXXX XXXX XXXX. He has sent them a document with my signature authorizing him to act on my behalf all to no avail. He has sent them letters and tried to call them all to no avail. 

In closing, I have never seen or used a charge card from U.S. Bank after XXXX/XXXX/XXXX. I want the information that was fraudulently applied to my credit report by U.S. Bank removed.
Product: Credit reporting or other personal consumer reports

My Name is XXXX XXXX, and I am formally writing to dispute inaccurate information on my credit report as provided under my rights in the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ). I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. This letter serves as a formal request to investigate and correct the following inaccurate items in compliance with the statutory requirements outlined in the FCRA. Furthermore, there are unauthorized inquiries on my credit report that i did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S. Code 8, i do not owe any debt to these entities, and i demand the immediate deletion of the items and inquiries in question to correct my credit report Please address this matter promptly and confirm the removal of the disputed entries.
Product: Credit card or prepaid card

Synopsis : Barclays has negatively impacted my credit score by  reporting I have missed payments twice in a row. However, these missed payments were due to their auto-pay system and customer service agent error. 

Timeline of events : > XX/XX/2018 * Setup Auto-Pay & received email verification. Nowhere did it state that auto-pay takes one full billing cycle to take effect. 
> XX/XX/2018 * 1st missed payment due to crooked Barclays misleading auto-pay system > XX/XX/2018 * When I realized the auto-pay didn't work, I called crooked Barclays to dispute 1st missed payment which brought my credit score down almost 100 points. 
* Barclay customer support agent credited late fee back, cancelled auto payment and posted payment of {$60.00}. 
* She assured that my auto payment for XX/XX/XXXX would come out automatically. 
> XX/XX/2018 * Payment of {$60.00} posted. 
> XX/XX/2018 * Auto-pay for XX/XX/XXXX should have come out but did not due to being cancelled by Barclays customer support agent on XX/XX/XXXX. 
> XX/XX/2018 * Called crooked Barclays to dispute 2nd missed payment * Spoke with a supervisor from crooked Barclays. She told me that the late fee would be credited on my next statement and that she would file a formal complaint so that my credit score would not be affected adversely again and also so this would not happen again since it was an agent error. 
* She said the auto payment of {$50.00} was setup now to come out on XX/XX/2018. 

Conclusion : I do not trust Barclays nor do I feel anyone should after what I've been through. I appreciate the supervisors assistance, however, I do not want to sit by and this happen again. I'd rather have this documented and also allow others to be aware of this crooked credit card company. I intend to pay this iPad off very soon and be done with them.