23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX  XXXX - XXXX
Product: Prepaid card

I opened this prepaid card with capitalone I put all the money on the card myself when I WANTED to increase my balance I would put money on the card and hit credit increase then they applied it as an increase and not a payment few months into having the card I ask if they do credit increases using their money they said we do n't give credit increases on prepaid cards I said ok. I put my own money on this card thinking that if I increase my own credit it would help my score so later about a year I wanted to close the account so I spent all my money on the card after they got their monthly fees then I got a statement saying I owe them XXXX dollars that they put on my card well I could n't believe this cause they never put any money on my card they made that clear at the beginning that they do n't do increases on prepaid so their contradicting their self I do not owe them a single red penny and I will not be ripped off because they know that I 'm trying to up my credit score so I guess they think they can rip me off cause they think I will pay so it does n't ruin my credit their wrong I will fight this to the end I do not owe them thank you please help with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because of the malicious, vindictive credit reporting of NAVIENT, this XXXX XXXX   XXXX XXXX XXXX has been caused to loose thousands of dollars. Additionally, NAVIENT, on the surface, appear to want the obligation paid twice, if not three times. 

THE COMPLAINT : CFPB is reporting to XXXX XXXX XXXX information that does not conform to known facts. The facts are these : 1. My son obtained Student Loans that went into default. 
2. Yes, I did co-sign one or more of the loans. 
3. NAVIENT has held collection authority.

4. All known loans in question have been released to XXXX.

5. XXXX has provided documentation for all interested parties ( XXXX XXXX, the three credit bureaus, XXXX XXXX, and now NAVIENT ) that all known student loans are being repaid under agreements recently ( 5 or 6 months ) made. 
6. NAVIENT adamantly REFUSE to correct their reporting in this manner to reflect the current status and their past role. 
7. NAVIENT know, knew, should have known, should have been advised, or should have sought out ability to correct their reporting system at the time XXXX reached an agreement with my son ; and, they lost ability to conduct any further collection activities, nor report anything other than the transfer to XXXX. 
8. NAVIENT continued, out of a vindictive want to impose pain and suffering to people under a guise of retained authority.

9. NAVIENT went as far as to convince others ( XXXX XXXX, all three credit bureaus, and XXXX XXXX, that me and my son was attempting to perpetrate credit fraud. 
10. NAVIENT continues to try and force collection ( by third parties, like XXXX ) through subliminal tactics of {$35000.00} when they are fully aware that the balance has been reduced to {$22000.00} as of XX/XX/XXXX. This may be categorized as a form of EXTORTION. 

THE PRAYER : CFPB will thoroughly investigate acts and actions of NAVIENT along the above charges, and compel them to correct all contemporary and future reports of this matter according to CFBB investigation results. Advise if Federal laws surrounding this kind of debt and debt reporting have been violated.

NOTE : NAVIENT was granted 48 hours to correct their reporting by U. S. Mail on XX/XX/XXXX. The smug remark made by the NAVIENT representative, and recorded by the XXXX XXXX representative is : It will take us four to six weeks. She did not seem to care that she was impeding a home purchase transaction. 

Support Docs : XXXX letter XX/XX/XXXX ; and, XXXX Student Loan Summary with six month payment history, XX/XX/XXXX NAVIENT XX/XX/XXXX update, XX/XX/XXXXXXXX  XXXX XXXX Review and Summary, XX/XX/XXXX Complaint to Credit Bureaus, XX/XX/XXXX Correspondence with XXXX XXXX XXXX, XX/XX/XXXX XX/XX/XXXX Guide to Navient Lawsuits,?? XX/XX/XXXX
Product: Debt collection

In XXXX of 2017 after being a loyal customer of XXXX for 14 yrs I decided to cancel the account and switch to XXXX streaming. I sent the equipment back via XXXX as instructed and upon receiving the final bill, I called them direct and paid in full on the phone. 
That payment was made on XX/XX/2017 on my debit card and it shows as paid on my statement along with directly speaking with the bank to verify. 
Now almost 2 yrs later I received a notification on XXXX that there has been a collection activity on my account re XXXX. 
I contacted the collection agency RPM XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX XXXX representing XXXX, tried to tell the representative that not only do I not know what this is all about but that my account was in fact settled in full upon cancellation. 
They not only refused to listen to me, they were straight out abusive telling me that they dont care about what I say and that I had 30 days to dispute this and now its my debt. Again, since I canceled and settled this account in full back in XX/XX/2017 I have never received any correspondence from either XXXX or this collection agency. 

Im turning to you for help because I dont know what to do.
Product: Credit card or prepaid card

Comenity Bank and Bread Financial website has been down for over a week and I can't access my account online. I tried calling the Customer service number listed on the back of the card XXXX XXXX XXXX and that line doesn't work
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked by certified mail, telephone and online for transunion to remove the middle initial XXXX from my name. Starting in XXXX, it is still incorrect. I ask them also for my credit score they stated I would have to pay to get it. I recently opened a new credit account, removed a collection account and paid down my revolving accounts to {$17.00}. Trans union dropped my credit score by 111 points, the other two agencies dropped it by an average of 35 points.
Product: Credit reporting or other personal consumer reports

I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXX - XXXX, XXXX - XXXX,
Product: Credit reporting or other personal consumer reports

for the past four years, I have been working on my credit. I have paid everything off, Ive paid everything on time and Ive stayed on top of the reporting. I am up to date with everything. Earlier This year, XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX  all of a sudden started reporting a collection that was not mine of {$2400.00}. Their dates and everything theyre trying to say I took out a payday loan do not add up. I did take out a payday loan In XXXX but it was not with XXXX XXXX  who they are saying i did. I have already paid that off that was already dealt with and removed years ago. All of a sudden this random place, XXXX XXXX XXXX is texting me, messaging me, calling threatening me saying theyre gon na take my wages and theyre gon na send me to jail Theyre gon na take me to court. This is 100 % not my account. Ive disputed it and it was taken off of my credit but then I woke up this morning to a XXXX point drop and go figure the account is back on my credit. This makes no sense nobody has verified it with me and Im sure the credit bureaus arent even verifying it. This should be illegal. I would like somebody to take care of this because its not mine and if this is happening to me, how many other people are being screwed over by this company?
Product: Payday loan, title loan, or personal loan

I applied for a loan online middle ofXX/XX/XXXX I was contacted by XXXX and I was approved they sent me {$200.00} they wanted me to get a gift card and give them the info back I did then they told me their computers went down I needed we did it the next day sign a check for {$970.00} did the same thing then they pulled the checks now I get texts from them
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Upon a thorough review of my consumer credit report, I have identified multiple egregious violations of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681s2 and related provisions. These violations entitle me to monetary compensation, and I am prepared to pursue all necessary legal avenues to ensure these rights are enforced. Violations Cited : Under 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ), your agency has furnished reports in connection with credit or insurance transactions that I did not initiate or authorize. Specifically : XXXX XXXX XXXX - XX/XX/XXXX These inquiries are incorrect, unverified, and unauthorized. I did not consent to these inquiries, nor did I authorize any entity to access my credit report for these purposes. Please investigate and remove these inquiries from my report as they do not have a permissible purpose and are negatively impacting my credit. 

XXXX XXXX  XX/XX/XXXX These inquiries are incorrect, unverified, and unauthorized. I did not consent to these inquiries, nor did I authorize any entity to access my credit report for these purposes. Please investigate and remove these inquiries from my report as they do not have a permissible purpose and are negatively impacting my credit. 

XXXX - XX/XX/XXXX These inquiries are incorrect, unverified, and unauthorized. I did not consent to these inquiries, nor did I authorize any entity to access my credit report for these purposes. Please investigate and remove these inquiries from my report as they do not have a permissible purpose and are negatively impacting my credit. 

XXXX XXXX  XX/XX/XXXX These inquiries are incorrect, unverified, and unauthorized. I did not consent to these inquiries, nor did I authorize any entity to access my credit report for these purposes. Please investigate and remove these inquiries from my report as they do not have a permissible purpose and are negatively impacting my credit. 

XXXX XXXX  XX/XX/XXXX These inquiries are incorrect, unverified, and unauthorized. I did not consent to these inquiries, nor did I authorize any entity to access my credit report for these purposes. Please investigate and remove these inquiries from my report as they do not have a permissible purpose and are negatively impacting my credit. 

XXXX XXXX XXXXXXXX - XX/XX/XXXX These inquiries are incorrect, unverified, and unauthorized. I did not consent to these inquiries, nor did I authorize any entity to access my credit report for these purposes. Please investigate and remove these inquiries from my report as they do not have a permissible purpose and are negatively impacting my credit. 

XXXX XXXX - XX/XX/XXXX These inquiries are incorrect, unverified, and unauthorized. I did not consent to these inquiries, nor did I authorize any entity to access my credit report for these purposes. Please investigate and remove these inquiries from my report as they do not have a permissible purpose and are negatively impacting my credit.
Product: Credit reporting

I have disputed a collection on my report from XXXX XXXX XXXX XXXX who claims they are collecting on behalf of XXXX. Account number that shows is XXXX. Equifax refuses to remove this incorrect collection from my report. I am including proof I do not owe money for this. As you can see I have a {$0.00} balance with XXXX because student loans paid for this.
Product: Bank account or service

The issue here is that we have been wronged by XXXX. Along with numerous other establishments and their flagrant misrepresentations. The monies paid to your company were taken under false pretenses. On XXXX XXXX, 2014, they charged me {$4900.00}. This was on my bank statement. They did say they were doing my advanced marketing. I was definitely taken advantage of by these people because I had no phone number or any means to get back in touch with them. I do not want to do any further business with them and request a refund. I am very uncomfortable working with this and at this time would like to cancel these services and demand a FULL refund of my money. The company is non responsive to calls, complaints and letters. I have reached out to my banking institute and supplied them with all the information that was in my possession. They advised that I did not. I called and advised Citibank that it was n't a billing error, that I have a contractual agreement with the above referenced merchant and that I was allowed to file this under " services not as described '' up to a year from the date of the original transaction in accordance with Federal Regulation, they can not pick and choose as they see fit. Also the mentioned I did not comply with their request for documentation. I give them everything I had. They offered no help at all. I can not afford this big of a hit to my finances. Please advise my credit card company of proper protocol and ensure they help me. I need your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letters were sent out on XX/XX/XXXX to dispute hard inquires on my account for : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I have yet to receive a response back regarding the investigation. Tried calling on XX/XX/XXXX to check on the status of my dispute customer service rep not helpful and would not provide me with the credit files and sources to verify the inquires.
Product: Consumer Loan

My honda dirt bike was stolen in XX/XX/XXXX. My issues started with Honda financial services. I spoke to a a Honda representative on the day of the theft. They informed me to fax the police report to a number they provided me with, which I did. Three days passed by and I had not heard from them. I called them, and the representative I spoke to was very rude, and told me that whoever I spoke to three days ago did not exist, and he does n't recognize the fax number they had provided me with. I reported my stolen vehicle for the second time with this new individual. A month later, I representative called me, stating I will be receiving a bill for my last payment. I was not given an option other than to pay the sum in 90 days. When I called Honda financial services in XX/XX/XXXX to make my payment, it was discovered that they had sent me the wrong statement ; they stated I owed them an additional {$1000.00}. For two days in a row I demanded to speak with a supervisor but the Honda representatives informed me they will handle the issue. In the mean time they stated they will me send the amended final statement of the sum I owed. About 5 days later, I received a phone call from Honda representative that only left the general number, with no name or title. When I called Honda financial services to inquire as to the means of the call, I was told that a supervisor tried to contact me. My rights as a consumer to voice his issues were completely ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX AV XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that the accounts are late though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX  in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX I checked my credit report and seen unknown inquiries on my credit report
Product: Credit card or prepaid card

I processed a payment on-line through my card-issuers website for {$75.00} on XX/XX/2021. This represented 1/4 of my balance due. However, upon reconciling my checking account, I found that the card-issuer had processed my payment for the total balance due of {$290.00}. This was not my intent and their systems " default '' process is deceptive and fraudulent. The payment was made through TCI XXXX. Total Credit card. 
I promptly contacted my card-issuer and reported the error in processing my payment. I spoke to the C/S representative who neither helpful nor indignant and realizing that she could be of no help in the matter, I asked to speak to a " Supervisor. '' While discussing the questionable activity and the issues it had created, he said " I know exactly what happened. '' Then he proceeded to explain that with payments made on their website if Total  XXXX TCI 's system determined that funds to pay the entire balance were available, the system would default to the larger amount. This represents a classic case of deceptive billing, deceptive confiscation of funds through fraud. Not only do I intend to complain I want other consumers to know that TOTAL credit cards XXXX TCI Enterprises employs deceptive business practices at the expense and advantage of its consumers. If not to add insult to injury, the Supervisor to whom I spoke with the expectation of rectifying the issue, threatened that should I dispute the overage of the intended payment to my own bank, Total would charge me an additional NSF fee and others undefined and, by consequence, close my account and report the closure to all three credit reporting agencies as being closed by the card issuer. Since I was obviously of such minimal value as a customer to Total Credit Card company that I warranted such threatening remarks, I thought that you might be better suited to deal with this DISPUTE! I have disputed the issue with my bank, but they were less than reassuring. Please help me help you help other consumers!
Product: Bank account or service

BofA in Colorado has long history of compromised service. On this occasion I was directed to go to a " virtual ATM '' to do a large transaction with a {$3200.00} check to bring overdraft current. I had acquaintance and his friend drive me there. ATM has had problems before so I checked to see if it was fully operational. They said it was. When doing transaction they informed that " second ID scanner '' was not working and told me to " cash check at issuing bank and deposit cash at BofA center nearby ''. I did as suggested. Acquitance XXXX grabbed the cash and dumped me in an alley on the way between banks. This is the latest in numerous compromised banking practices from BofA and frequent misinformation leading to risky transactions. This serious crime was inevitable and the entire community is at risk because of the poor advice and misinformation because of the limited banking practices in colorado with BofA. I am now afraid for my life, cant sleep, broke and traumatized.
Product: Checking or savings account

- mailed check XX/XX/XXXX to daughter - local mail service stole check and rewrote XXXX for deposits at XXXX non-USB local banks : - check # XXXX for {$350.00} dep. XX/XX/XXXX and {$1500.00} dep. XX/XX/XXXX, both mobile deposits Met with local USB branch management at their convenience on XXXX. XXXX XXXX. 
Paperwork was completed and I returned it to USB XXXX  branch in XXXX, WA. 
Then the waiting began- nothing from the bank, always due to my initiative ( several calls over XXXX  months ). 
Today, the response from US Bank Fraud DepXXXX. " call back at end of week '', always the CUSTOMER 'S responsibility with these folks... 
My husband 's take : These guys are slow walking us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following items to be in errors. The FCRA section 611 state if a consumer finds errors, inaccurate account or can not be verified on their credit report the credit reporting agency must remove the account.
Product: Debt collection

I keep receiving harassing phone calls on a debt that I do not owe and that was fraudulently opened in my name, I have asked them to stop calling but they continue to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again Trans Union has stated they will not reinvestigate my claim. They sent another letter stating they verified the information with the Court Clerk. 

I've attached the letter from TransUnion and the letter from the Court Clerk stating they DO NOT supply information to third party vendors. 

SO I need this taken care of since they are lying and breaking the law. 

Ive also filed a complaint with the NYS Attorney Generals Office.
Product: Debt collection

Received a collection agency notice to collect a toll I do not owe. If I had owed it, I would have receive a notice from the State of Florida.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX and Transunion credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : XXXX