23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

First National Bank charged me over {$190.00} of overdraft fee in {$12.00} increments every 3 days while I was travelling outside the country. The original charge that caused the overdraft was less than {$10.00}. When I came back after a month, I called the bank to inquire about the charges and they told me that they closed the account and sold the debt to a debt collector. The bank has my email and my phone number but I believe they did n't make any honest effort to inform me of the account status.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resoiution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Debt collection

My complaint is based on an incorrect balance due to the management company that has been reported to the credit bureau while I was working with the company to rectify the issue. My lease ended XX/XX/XXXX and had a verbal agreement to stay until the end of the month. I moved out at the end of the month as discussed and when the final bill was received it was incorrect. It took awhile to get in contact the property manager but once contacted they sent me an email with the correct amount owed but neglected to acknowledge my security deposit from when I first moved in. Considering the property has changed management and property managers serval times within this time it has caused a break down in communication but also affected my credit account.
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 15 USC 1681. 


Account Name : XXXX XXXX XXXX : XXXX has violated my rights. Or 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 seven 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: Payday loan, title loan, or personal loan

Account was charged off. The date of last payment was XX/XX/2013. Balance keeps growing which is illegal if its charged off. Shows high balance of {$2000.00} but reporting balance of {$4600.00}. Also the loan type on credit report is incorrect. Showing secured when it was personal.
Product: Credit reporting or other personal consumer reports

These are all unauthorized unverified inquiries on my credit report XXXX XXXX, axios bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I would like for these to be removed immediately. Thank you. my phone number is XXXX XXXX XXXX email is XXXX. my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report from EQUIFAX, I have noticed that the report shows 11 credit inquires that I did not authorize.I have sent letters to these companies and asked them to stop the unauthorized inquiries and have them removed from my credit report. However, it has been 60 days and I have had no response from them. The letters were sent by certified mail, so I am sure when they were received. 
1.XXXX XX/XX/XXXX 2.XXXX XXXX XXXX XX/XX/XXXX 11.XXXX XX/XX/XXXX 3.XXXX XXXX XX/XX/XXXX 12.XXXX XXXXXX/XX/XXXX 4.XXXX XXXX XXXX XXXX XX/XX/XXXX 13.XXXX XX/XX/XXXX 5.XXXX XXXX XXXX XX/XX/XXXX 6.XXXX XXXX XX/XX/XXXX 7.XXXX XXXX XX/XX/XXXX 8.XXXX XX/XX/XXXX 9XXXX XXXX XXXX  XX/XX/XXXX 10.XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently did a refinance of my existing mortgage in order to lower my interest rate ( and lower my monthly payment ) and to get cash out to pay down existing debt. As a result I was able to eliminate 3 credit card balances and a personal loan for a total of over XXXX dollars. 

On XX/XX/2020 my credit score dropped 28 points to XXXX which is where it stands as of today. This is inaccurate and I want my report to reflect such. I don't believe a 28 point drop accurately reflects the elimination of over XXXX in debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY RAN MY CREDIT AND NOTICED THE BELOW ACCOUNT SHOWING LATE PAYMENT HISTORY. I HAVE NEVER BEEN LATE ON ANY OF MY ACCOUNTS. I NEED THE BELOW ACCOUNT AMENDED IMMEDIATELY TO SHOW NEVER LATE. I HAVE FOUND AN ACCOUNT REPORTING LATE PAYMENT INFORMATION. I HAVE NEVER BEEN LATE ON THE BELOW ACCOUNT. 

PLEASE AMEND THIS ACCOUNT TO SHOW, NEVER LATE. ON XXXX, XXXX AND XXXX I HAD MAILED A DISPUTE LETTER OF THE BELOW ACCOUNT TO BE AMENDED AS IT WAS BEING REPORTED IN ERROR. 

TO DATE I HAVE NOT RECEIVED AN INVESTIGATIVE RESULTS REPORT AND NOW YOUR COMPANY IS IN VIOLATION THE 3RD TIME OF THE FCRA GUIDELINES REGARDING INVESTIGATIVE RESULTS REPORTS DEADLINES ON I AM IN ESCROW AND NEED THIS ACCOUNT DELETED AND AMENDED, WHERE APPLICABLE, TO AVOID LOSING MY {$75000.00} DOWNPAYMENT ON AN INVESTMENT PROPERTY.
Product: Student loan

Navient called my workplace and one of my supervisors answered the phone, speaking with them briefly. He asked them not to call me at work and informed me that the " student loan people are looking for you again. '' A year ago or so, after I had instructed them to never contact me at work, but only my cell phone, Navient assured me that they had deleted the work number from their system and noted that I was to never be contacted at work. On my break, I called Navient, and the representative I spoke with confirmed the note that I was to never be contacted at work and that the number was flagged for deletion but that it had never been deleted from their system and she had to seek help from a supervisor to remove it. 

Navient has been sending multiple bills, both for old closed loans that had been reconsolidated with the Department of Education, and the newly consolidated loan with amounts and due dates that differ, making it appear that I owed not {$150000.00} but rather {$310000.00}. The representative confirmed that it still appeared that all the loans were active, but told me to disregard some of the statements I 've been receiving, and by the end of the call said that my account had been corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a collections notification via email for Jefferson Capital Systems and I would like verification of the original payment history along with original signed contract. I need the date of First Delinquency. I haven't received anything to verify this account. If they cant provide this need to be removed.
Product: Debt collection

I sent the debt purchasing agency a letter of validation to give me the information that they legally owned the debt in question. They have not responded with such information as of 30 plus days. I filed a complaint with all three bureaus to have these accounts deleted because the third party agency did not provide proof of the ownership of the debt. Letter of validation sent to this company. I also provided this proof to each reporting agencies as well they have not deleted the debt but instead allowed this company to update the statements to closed instead of deletions. 

PORTFOLIO RECOVERY ASSOCIATES ( NMLS XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Dear Sir/Madam XXXX I am writing this letter in response to your recent communication regarding a debt that you claim I owe ON ACCOUNT XXXX AND XXXX. I am requesting validation and verification of the debt in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ). Please provide the following information : 1. The original creditor 's name and address. 
2. The amount of the debt.

3. Verification that I am the debtor for this account.

4. Details of the account history, including the original contract and any relevant documents. 
5. Proof that the statute of limitations on this debt has not expired.

6. The debt purchase agreement with the original debtor.

I am also requesting that all collection activity cease until the requested validation has been provided. Please send the requested information to the address listed above within 30 days of receiving this letter. Failure to provide verification of the debt will result in a request for the removal of the debt from my credit report and possible legal action. 

*IF YOU CAN NOT VERIFY BY MY REQUESTED INFORMATION, I ASK THAT YOU DELETE THE ACCOUNT FROM MY CONSUMER REPORT ASAP. 


Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I had XXXX services and over a year ago I changed my package from Cable, Internet, and Phone to Internet only. I was quoted a contractual price of XXXX per month for XXXX internet and a flex box. I was never charged the agreed upon price it was always higher, I called to complain and also complain about the internet connection and was told I needed the white router ( never mentioned it was higher ). The white router did not solve the issue and XXXX sent a technician in which he set up the a new router and took the old. That is one issue - equipment I do not have. 
The second issue was always being charged between XXXX and XXXX a month. XXXX also by the way charges 1 month a head of time. I had set up payment arrangements for XX/XX/XXXX when you do this you have to pay all previous balance. I paid XXXX which was for 2 months. Of course this rate is still not XXXX they have never charged the agreed upon amount. XXXX I was disconnected and advised I dont want to reconnect. They said I owed XXXX. I advised when they correct the bill I will pay it ; also I turned in my equipment and advised again I the technician took the old router. They are still charging me the incorrect amount of XXXX. This is an incorrect amount and I was never charged the correct amount. I should not be charged for equipment that the tech took as I turned in the XXXX devices I had and was still advised to call back XXXX again so they can send a signal to a device I don't have. Why do I have to keep teliing them the same thing. Why can they not just send the signal to see I do not have it. I do not believe I owe XXXX anything as this company charges you a month ahead of time for services. Also, they never stuck to the contract that we agreed upon and I was overcharged each month.
Product: Money transfer, virtual currency, or money service

I sent {$200.00} to XXXX XXXX on XXXX XXXX through XXXX in my XXXX banking app for her security deposit return and she was supposed to give me the {$200.00} back in cash. Over XXXX weeks went by since I sent it to her and she never returned my calls or texts, and she ended up blocking me. I called XXXX to dispute the transaction on XX/XX/ and explained everything to the representative I spoke to, his name was XXXX. His attitude was horrible and just told me there is nothing they can do about it, and to not be so gullible next time. This was extremely unprofessional of him to say as a representative of a bank to its consumer so I am very upset about that as well. I got scammed and I explained everything to my bank, the least he could do is maintain professionalism instead of acting like dealing with consumers is the worst thing to happen to him.
Product: Debt collection

I have a fradulent account on my credit report that I have never heard of.
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report have requested that they provide the purchase agreement to show full ownership of such account and also other document so I May review to see if this is actually an account that belongs to me
Product: Student loan

I have loans through XXXX & XXXX XXXX ( not huge loans ), that I took out to get a 2-year degree. They constantly call and harass me. They constantly call and harass my grandfather, who was the cosigner but he went into bankruptcy years ago, and is over XXXX years old. Despite me reaching out to them to try to arrange even the lowest of payments a month ( via email ), they refuse to accept the arrangement. It's being handled through AES and they are HORRIBLE to work with. They refuse to make any sort deferment longer than one month, despite the pandemic, and won't even accept a lower monthly payment amount of something like, {$25.00} a month for each loan, until I can pay more. Because I simply can not pay more at this time, but they are notoriously difficult and I imagine that this has to go against some form of business practice, since they have threatened to garnish my wages, despite me offering a lower monthly payment than what they wanted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewing my credit report after being denied for credit I discovered XXXX XXXX reported me 180 days late in non-repayment of my student loan. The late period was from XXXX, XXXX and XXXX of XXXX. XXXX XXXX was contacted on or about XX/XX/XXXX. They researched my account and found that I was in forbearance during that time and no payment was required. The account was updated in XX/XX/XXXX clearing all nonpayment and balancing the account. However, all did not balance with me. Because XXXX XXXX was not current on their paperwork processing my forbearance they reported my account 180 days delinquent. 

Speaking to a XXXX XXXX representative on or about XX/XX/XXXX I was told that they could not retract the negative reporting sent to the credit bureaus but they would write a letter stating that they reported my account late prematurely and that I was in forbearance during that time. The letter produced by XXXX XXXX did not state what was discussed. It simply stated that my account is current. 

XXXX XXXX was contacted again on XX/XX/XXXX. I explained that the letter I requested giving explanation on why XXXX XXXX was incorrect in reporting my account delinquent was in error was not received. Although the XXXX XXXX representative I spoke to explained in detail that the account was in forbearance, it was not 180 days late, the files were updated in XX/XX/XXXX, the credit bureaus were sent a delinquent report prematurely and I was told that all discussed was true they would not state it in a letter as I was promised. 

I pride myself in paying my bills on time. One of the core values instilled in me through my parents at a very young age is that if you make a bill pay it back on time. It was shocking to find out I had a negative report on my credit. The reckless, inaccurate and untimely processing of paperwork by XXXX XXXX has caused great financial difficulties for me. They have made it impossible to get a credit card, rent an apartment and limit possible employment positions of trust. 

Repayment of student loans can make or break your future financial opportunities I am already experiencing. When you have a negative credit report and poor repayment history it can cost you thousands more dollars in everything from interest on credit card to auto insurance. XXXX XXXX must do due diligence when reporting adverse credit information. There is no perfect system, however when you admit you made a mistake on your paperwork and send that negative report to the credit bureaus and you find out you made a mistake dont make the borrower the victim. XXXX XXXX should do whatever it could to correct the problem. XXXX XXXX failed to do so in my case.
Product: Checking or savings account

They have my money into a savings account being sweat from three different banks and bancorps supposed to be their Bank why are they using three other Banks of sweep my account money to other places I don't get it I'll make an allegations against them that they know what they're doing my money they're acting like they don't I've been on hold several times for over XXXX hours and hung up on never even know kind of explanation to anything also when I make a report about a fraudulent claim or something being done in my account all they do is just ask me a serious as XXXX questions and then XXXX not even an hour maybe XXXX later they tell me a denial letter so honestly I believe they're doing some foul stuff with this sweeps account stuff they're doing sweeping accounts so please help me
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern : Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX ORCHARD BLV XXXX XXXX OH XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX BEACH PKW XXXX OH XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX OH XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX OH XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX OH XXXX XXXX. Violation of 15 U.S. Code 1681b - Permissible purposes of consumer. Delete immediately. 
XXXX CARD SERVICES Account Number : XXXX Please remove this inaccurate information from my credit report. 

9. violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX XXXX BANK XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

10. Violation 15 USC code 1681 ( a ) Congressional Findings and statement of purpose - consumer 's right of privacy XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


In accordance with the Fair Credit Reporting Act, I am requesting a thorough investigation into these items and their removal from my credit report. I understand that you are obligated to verify these items with the creditor responsible for reporting them. If the creditor can not provide verification, I kindly ask that you delete the disputed information. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this investigation within XXXX  days of receiving this letter. 

Please send an updated copy of my credit report to the address provided above. I would like to highlight that, as stated in the act, there should be no charge for this updated report. Additionally, I request that you notify anyone who has obtained my credit report in the past XXXX months of any corrections made. 

Thank you for your attention and assistance in resolving this matter.
Product: Student loan

Navient is not allowing me to make automatic payments. 

This is the popup I receive when attempting to use the auto pay : Were sorry you cant enroll in Auto Pay at this time. 

I have been making periodically payments to Navient. 

I'm receiving notices in the mail from a debt collector regarding my Original Creditor : Sallie Mae Bank, Current Creditor : Navient. 
The debt collector is : XXXX XXXX XXXX, XXXX, they are offering to settle my debt. 

Please provide me with information on how I should proceed. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. I am a victim of identity theft and did not make the charge. I request that the items be deleted to amend my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have challenged the account with equifax numerous times with the address they provide as they have stated that they have verified the account belongs to me and ask me to contact creditor with address provided by equifax. I did send a letter to collection resouces with no response due to the mail being returned to me. so send the evidence of returned mail to equifax with the address they provided as they claim equifax has verified it, but i am confused how they verified as i can not with the address they have provided. I know that this is wrong information being reported on my credit report and equifax has provided a false address, i have demanded the item to be removed immediatly but they continue to verify