23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2014 I began renting from XXXX XXXX the paper work includes a page consisting of itemized prices for services upon move-out the letter, which is attached, is addressed to me ( although I did not sign ) has very different prices that proves that after I repeatedly asked for an itemized receipt of what my deposit may have gone torwards in order to understand where the extra unknown amounts may have derived XXXX   XXXX never contacted me in Reference to an account that I may owe, instead an oblivious receipt with inflated amounts were sent to a collections agency called NCC SERVICES and they are on each of my credit reports unfairly. Does the original lender not to have an allotted time to try to collect what they believe to be owned to them before turning an account over to collections? Also please notice the differences in the amounts on the original move out cleaning letter and the one created after I continue to ask for the details of my deposits since it clearly was not use to cover the cost of it
Product: Credit card

Navy Federal refuses to transfer money from my checking account to my credit card. They refuse to send me their arbitration certificate which is stated in their membership agreement is available. Every time I call Navy Federal they disconnect the call or place me on extended hold periods. They mishandled a dispute and recharged my credit card and a credit card that I am an authorized signor on. Navy Federal refuses to provide me with information regarding their alleged investigation and the information on why they denied my claim. I am also not receiving paper credit card statements in the mail, I receive emails to view my statement online but my online access is blocked. I want to records of all the statements that have been mailed.
Product: Debt collection

my father died in XXXX of last year. had debt with XXXX credit card. i did a estate for father and after funeral paid and such only was {$88.00} and some change left so i sent to only creditor which wanted their debt paid, which was dcm services.check was returned saying wassnt full amount. now they sent to another agency and now they are harrassing me. my name not on debt at all. i advised dcm to stop harrassing me, but still continues and now another. last that was mailed was in my name, now i am afraid they are trying to aapply this to my credit for non pay. need to get stopped and my credit file checked they havent applied this as my debt. i spoke with a cfpb spokesperson and she advised me to file complaint to get stopped. she was very helpfull
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, Somebody i heavily using my identity to get some money, i am seeing tons of hard inquiries in my credit report which does not belong to me, moreover i have not been living in the United States for 5 years, inquiries are given below. 1 ) XXXX XXXX NA-Inquiry date : XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX ) XXXX XXXX-Inquiry date : XX/XX/XXXX 4 ) XXXX- Removal date : XX/XX/XXXX 5 )  XXXX/XXXX-Inquiry date : XX/XX/XXXX 6 ) XXXX- Inquiry date : XX/XX/XXXX 7 ) XXXX/XXXX-Inquiry date : XX/XX/XXXX 8 ) XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 9 )  XXXX- Inquiry date : XX/XX/XXXX 10 ) XXXX- Inquiry date : XX/XX/XXXX 11 ) XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 12 ) XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 13 )  XXXX/XXXX-Inquiry date : XX/XX/XXXX 14 ) XXXX-Inquiry date : XX/XX/XXXX 15 ) XXXX XXXX- Inquiry date : XX/XX/XXXX 16 ) XXXX XXXX XXXX-Inquiry date : XXXX XXXX, XXXX 17 ) XXXX   XXXX XXXX- Inquiry date : XXXX XXXX, XXXX XXXX ) XXXX- Inquiry date : XXXX XXXX, XXXX 19 ) XXXX XXXX XXXX-Inquiry date : XX/XX/XXXX 20 ) XXXX XXXX XXXX-Inquiry date : XX/XX/XXXX 21 ) XXXX XXXX- Inquiry date : XX/XX/XXXX 22 ) XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 23 ) XXXX XXXX-Inquiry date : XX/XX/XXXX Please find attached documents, in case if you did not receive attachments below is the link to download them. Below is  the link to documents for confirming my identity : https : //drive.google.com/open? XXXX
Product: Debt collection

midland XXXX called my job about a debt after I ask them not to, they said they can call anytime they want and will continue to call my job!!!!
Product: Payday loan, title loan, or personal loan

On various dates, I was not given credit for performing the service 's swipes in the app. The app would malfunction, or credit was given for a different day, or no credit was given at all. The app, does not provide a record of these credits for more than the past 7 days, so dates are unavailable. 

Additionally, I was required to do these actions after requesting that my account be closed. Failure to perform these actions in the app results in the forfeiture of a {$1.00} credit each day.
Product: Debt collection

Two days ago my employer who is based in Washington state received a writ of garnishment of wages with court order from Maryland state from XX/XX/XXXX. On the letter with stamps was added information of e-filing of this case on XX/XX/XXXX in district court in XXXX - XXXX. I checked the district court no such case number came up. Checked the XXXX database for cases filed on XX/XX/XXXX, XXXX and XXXX and did not find one that was on my name. I have a letter from IRS from XXXX that states that the debt was canceled/forgiven from the landers. I believe the representative of the plaintiff : Fradkin & Weber P.A. based in XXXX MD, is trying to scam me and my employer to make a payment to reset the time of my already forgiven debt so it is active and take money from me. They could not go to local courts in the state I live now because the case do not exist anymore because of state of limitations has been way over due ( by 5 years for the judgment and 6 years in my count for the debt ). Unless of course I made or in this case my employer make a payment on my behalf by complaining with this old out of state judgment. 
Money originally ( forgiven ) was XXXX $ On top of that they added fees persentage of interests varied from 15.21 % for the first year and 10 % for the remaining 11 years which brings the final amount they are seeking to XXXX $ I believe they are trying to scam me and that Fradkin & Weber are fraudulent company. Simple google search will bring up numerous reviews from people in my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citi Bank incorrectly reported a 120 day late payment on my credit report. I disputed the error. Citi Bank sent me a letter dated XX/XX/2018 acknowledging it was an error and requested the consumer reporting agencies to delete the delinquency from my credit report. 

I've requested three times, in writing and with letters sent via certified mail, for this error to be removed. However, Citi continues to report the 120 day late payment, which is in violation of the Fair Credit Reporting Act.
Product: Credit card or prepaid card

When trying to use a finance management app, specifically XXXX, it says capitol one is blocking external access to my account.
Product: Student loan

On XX/XX/XXXX, I contacted Aidvantage to request a refund of {$19000.00}, all payments made after XX/XX/XXXX. I received verbal confirmation on the call I would receive a refund within XXXX weeks using the payment method I paid each payment with ( which were all from the same account via ACH ). On XX/XX/XXXX, my account balance updated on Aidvantage 's website, with XXXX payment missing from my history. I called on XX/XX/XXXX to inquire about the missing payment, and they said it was showing up on their end and due to " site maintenance '' it was missing. It still has not shown up on my end. I was also told that I could now expect to receive my refund after XXXX weeks, and they are unceratin if I will be receiving a paper check or a deposit. Even though my Federal Student Aid dashboard shows my loans amended, and my credit report reflects a higher loan balance, I am still without my refund after being told XXXX weeks initially. Representatives can not tell me when or where my refund is, and refuse to provide any written confirmation of conversations.
Product: Mortgage

We signed up for mortgage forebearance in XX/XX/2020 due to losing job due to pandemic and we were accepted through cares act us bank home mortgage. I only missed three months and having been pay. The three mortgage payments were put as a lump sum at the end of our mortgage but now they are saying we are three months behind and reported it to my credit
Product: Credit card or prepaid card

I have multiple credit cards with Chase. I opened a Chase XXXX XXXX card more than a year ago, a card with an annual fee of {$450.00}. I already had a Chase XXXX XXXX card, which is the less premium version of the Chase XXXX brand, and it had an annual fee of {$95.00}. 

I was led to believe by Chase representatives that with the Chase XXXX XXXX card, I would not be billed any annual fee on my Chase XXXX XXXX card. I was unknowingly billed {$95.00} on XXXX XX/XX/XXXX. I was not aware of this billing as there was a credit balance on the account, and the assessment of this fee seemed to cancel out the balance and made the charge itself ambiguous. I received a statement in XX/XX/XXXX telling me that another {$95.00} was going to be billed on XXXX XX/XX/XXXX, and I immediately called customer service to stop the annual fee. 

Chase has refused to fully refund the {$95.00} annual fee on the Chase XXXX XXXX product and has only agreed to refund {$7.00} of this amount. I have not used the card once since the last time the annual fee was billed, and I do not even have the card in my possession. I have been using the premium version of the card, the Chase XXXX XXXX card. I never received any statements for the XXXX version of the card and was hardly aware that it was even open. 

I feel misled and disrespected as a customer, as Chase misled me as to the correct fees on my accounts when I opened their most expensive card ( Chase XXXX XXXX ). Furthermore, I feel like an XXXX for being taken for {$95.00} whilst never getting to use any of the benefits or features of this card.
Product: Debt collection

on XX/XX/2021, i sent a certified letter to SOS GROUP D.B.A HEAD MERCANTILE CO INC, A LETTER ABOUT A ALLEGED DEBT OF {$140.00} THAT I DO NOT OWE. ITS SHOWING UP ON MY CREDIT AND I AM SUFFERING FROM THE INACCURATE INFORMATION REPORTING ON MY CREDIT. I REQUEST DETAILED DOCUMENTATIONS CONCERNING THIS ALLEGED ITEM AND I HAVE ATTACHED A COPY BELOW.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX I sent a payment to wrong person I misspelled thier name and chime stated that they can't do anything for me. It was XXXX
Product: Money transfer, virtual currency, or money service

Through PayPal I received a payment and initialized transfer to bank. Their standard procedure is up to 72 hours for review. After 72 hours they sent an email saying the payment was going into my bank account. Instead of sending to my bank account they moved it back into the PayPal. I had to re-request it to be sent to my bank account and wait another 72 hours ( in which they will keep this cycle going ). This is at least my 5th time dealing with PayPal with a similar issue across two accounts, one of which they held my money for 180 days. Calling customer service to talk to a representative takes hours, with the majority of the time them disconnecting the call or transferring you then disconnecting you. The absolute worst company I have ever dealt with and I am beyond tired of them holding people 's money like ransom so they can gain interest on it.
Product: Debt collection

Received a call from Capio Partners regarding medical debt owed. Was only offered the option online to pay the debt. I never received any kid of bill or anything from this supposed company the debt collector bought the debt from. I have not been given the opportunity to dispute the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on my account that I did not authorize. I have tried disputing these with the company but to no avail
Product: Debt collection

This is my 2nd time reaching out to XXXX XXXX XXXX XXXX XXXX  ( the address attached to the company is Transworld Systems INC ) in reference to them incorrectly reporting a debt that is not mine. XXXX XXXX XXXX XXXX XXXX  ( Transworld Systems INC ) is reporting a fraudulent collection account on my Transunion report and it is effecting my negatively and it needs to be removed ASAP. I have requested that they provide me with information that they have that connects me with this debt and they have ignored me. I am requesting that XXXX XXXX XXXX XXXX XXXX ( Transworld Systems INC ) properly and legally VALIDATE this debt and show proof that it is my debt. I am requesting the following information : Please provide me with the following : What the money you say I owe is for : Please provide a copy of the signed contract Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Student Loan Entry on Credit Report by XXXX XXXX and CLIMB Credit ( {$12000.00} ) To Whom It May Concern, I am writing to formally dispute a student loan listed on my credit report by Climb Credit for services provided XXXX XXXX XXXX XXXX This loan entry is unjustified and warrants immediate review and resolution. Below are the reasons for my dispute : XXXX. Misrepresentation of Services : XXXX XXXX widely publicized that students would be offered job placements upon achieving their first certification. Despite this assurance, no such assistance was provided. This was a critical factor in my decision to enroll, and its absence represents a breach of the advertised service. 
XXXX. Attempt to Withdraw from the Program : I requested to withdraw from the program after completing 40 % of it, as I realized it was not meeting my expectations. I sought to negotiate terms for opting out but was met with resistance. My repeated attempts to meet with management to discuss this matter were ignored, leaving me no avenue to address my concerns directly. 
3. Program Quality and Support : The program, contrary to expectations, consisted primarily of pre-recorded videos with no immediate support for questions or clarifications. I had anticipated live classes, as implied by their promotional material. The lack of interaction made it impossible for me to derive value from the program. 
XXXX. Neglect by XXXX XXXX : Despite my communications about dissatisfaction and the need to speak with their team, I was only met with automated responses urging me to continue studies. No one from the academy provided the support I repeatedly requested, leaving me isolated in this process. 
5. Unjust Reporting by Climb Credit : Without resolving my concerns, Climb Credit added the debt to my credit report. This has caused undue harm to my credit standing for a program I found fraudulent and non-beneficial.

Given the misleading nature of the program and the academys failure to address my grievances, I request the removal of this debt from my credit report. Attached are supporting documents, including copies of my correspondence with XXXX XXXX and Climb Credit, highlighting my efforts to resolve this matter. 
I trust the CFPB will investigate this matter thoroughly and take the appropriate action to rectify the situation. Please confirm receipt of this letter and inform me of any additional documentation required. 
Thank you for your attention and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

A new collection was reported on my XXXX account. We contacted the collection company and they do not have any knowledge of this collection and do not have any accounts in there systems. XXXX keeps messing with my credit account and we do not know why this keeps happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is currently violating FCRA 611 USC 15 1681i ( 5 ) A { Treatment of Inaccurate or Unverifiable Information } FCRA 611. ( See enclosed copy of actual FCRA violation ) and 1681i ( 8 ) Expedited dispute resolution ( See enclosed actual copy of FCRA Violation ). On viewing my latest TransUnion credit report and for the 3rd time TransUnion has failed to include information that I know is important to providing a complete accuracy of my TransUnion Consumer Credit Report ... TransUnion Deleted my XXXX XXXX XXXX XXXX account # XXXX ..without my authorization. TransUnion inaccurate reported this on XX/XX/2021, XX/XX/2021 File # XXXX, and on XX/XX/2021 file # XXXX. ( See enclosed copy of reports ) XXXX XXXX XXXX XXXX XXXX was deleted for retaliation for i requested my social security number be corrected on my file. I could not access my XXXX XXXX XXXX XXXX XXXX when TransUnion. Changed my Social Security Number on my TransUnion credit file. This has cause me to lose a valuable business contract and damage my chances to gain the credit needed for my business. Note that both XXXX and XXXX are reporting this account, ( See enclosed copy of reports ). According to 616 { 15 USC! 681n ( 3 ) b Civil liability for willful non-compliance
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a previous address reporting on my credit report that I was never associated with that I will like to be removed from my credit file, That address is where someone committed fruad in my name and will like that address to be removed XXXX XXXX XXXX XXXX va XXXX
Product: Checking or savings account

On XX/XX/2022 I received an email and text that a wire transfer in the amount of {$8100.00} was initiated on my USAA checking account. I immediately called USAA, while on hold I received a call from them ( the contact is saved in my phone so it was USAA number ). I switched over and was told it was fraud dept trying to stop a fraudulent wire. They went thru the process to lock my account and reset all passwords, issue new debit cards, etc and was told it was resolved before wire was sent. About an hour later I received a push notification in the app that the balance on my account was low. I opened it and saw the wire actually went out and immediately called USAA again. I was told at that time the call earlier was a spoofed number and a hoax. The fraud dept member told me they would help me actually update my account security and start the process of getting my funds returned. I was told it would take about XXXX business days and call back if funds were not returned to my account. On XX/XX/2022 I called USAA and was told the rep had not started a fraud investigation and had not issued a wire recall that day. The person I spoke to said that was not proper protocol of the first rep. They actually were not in the wire dept and should have transferred me or told me to call back the next business days since after XXXX XXXX XXXX. Neither of these things happened and I was apologized to and told it would take place that very day. They said to give it a couple weeks because of the excessive amount of wire fraud taking place such as mine. I called back on XX/XX/XXXX and was once again told an investigation had not been started, nor had a recall been issued. I was AGAIN told this was against protocol and they would start the process that day. A wire recall was finally issued XXXX  days after I first called and reported the fraud within the hour. My funds could have possibly been recovered if USAA followed proper protocol and issued the wire recall and began the investigation immediately. It took over a week and and XXXX phone calls from me for them to even start the process. I have called multiple time since XX/XX/2022 and now am only being told the investigation is " in process '' and the " wire recall was not successful ''. I have asked to speak to managers or customer reps with more authority and have been told someone would call me back but have not received one phone call from USAA in XXXX weeks. Their failure to work on my behalf to recall the wire and issue a fraud investigation immediately when I contacted them cost me {$8100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX DEPT OF EDUCATIONXXXX XXXX Balance : {$10000.00} DEPT OF EDUCATION/XXXX XXXX Balance : {$9300.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$1100.00} DEPT OF EDUCATION/XXXX XXXXXXXX Balance : {$3000.00} DEPT OF EDUCATION/XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX Original creditor : XXXX XXXX  XXXX Balance : {$930.00} XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ITEM IN DISPUTE : XXXX XXXX XXXX DISPUTE REASON : Accuracy The balance and/or past due amount are/is incorrect. 
This account is too old to be on my credit report. 
CONTACT INFORMATION XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
Product: Consumer Loan

XXXX XXXX aka NMAC has reported a 30 day late payment to my credit report purportedly occurring XXXX 2015. This payment was not made late and I have attached supporting documentation evidencing the date payment was made.
Product: Credit reporting or other personal consumer reports

In accordance with fair credit reporting act Comenity Capital Bank account ending in XXXX XXXX has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This compliant is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited off such fraudulent accounts.

If you assume or allege, I have received services, goods or monies, please have a senior executive certifies under the penalty of perjury, I have obtained possession.
Product: Credit reporting or other personal consumer reports

A fraudulent item that I never benefited from continues to appear on my credit report. Both XXXX and XXXX have already removed it and have been blocked from reporting, yet you persist in putting this false and damaging information on my credit. This ongoing situation is not only incredibly insulting but also a defamation of my character. It is deeply distressing to see my rights as a consumer disregarded in this way. I have already reported this issue to the Federal Trade Commission, yet no action has been taken to remove it from my report.