23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I h ave two student loans repayments, one from Navient fo r {$24000.00} and  XXXX   for@  XXXX . I only went to   XXXX   XXXX   XXXX   XXXX  for 3 years  ( no de gree- left with a dispute with the financial aid office ) and there is no way I have close to {$50000.00} student loan debt. Bo th Navient  and  XXXX  are giving me the running around. I did make a deferment for the  XXXX  with the payment due in  XXXX    XXXX  .     The last correspondce I received was from  Navient 's Consumer Advocate Office  disputing all proof submitted to their office.
Product: Student loan

I applied for XXXX ( XXXX XXXX XXXX ) XX/XX/2023 because my XXXX sent me an outlandish bill of $ XXXX that was due even though I have been on XXXX XXXX XXXX decades and never said I wanted to leave the program. I received XXXX emails all summer saying my account was being XXXX and that I would receive an email once the transfer was completed. I never received the email but yet I was billed for over $ XXXX even though my payments have always been XXXX on XXXX XXXX I tried to log into my account at Edfinancial and still could not. I then went to XXXX and applied for XXXX and according to their records my XXXX received my XXXX XXXX  ago. I emailed my XXXX a XXXX XXXX ago and never received a response. I sent another email XXXX and probably wont get help with that either. I can't pay XXXX in XXXX and don't know why I am being billed for such an outlandish amount and they will not respond or XXXX my account. This XXXX payment is causing XXXX XXXX XXXX and they're not XXXX my account, processing my application for XXXX, nor emailing me and telling me what's going on. Please help me. I qualify for XXXX ( XXXX XXXX XXXX  ), have always qualified for XXXX, and sending me a bill for $ XXXX is almost intentionally meant to cause XXXX XXXX yet I can't get any help.
Product: Credit reporting, credit repair services, or other personal consumer reports

there was a credit inquiry alert on XXXX XXXX from XXXX Lending Tree that i didnt recognize. I didnt know this company and this was not authorize i wonder how they get my information. I tried to search for the number on XXXX Lending Tree but i couldnt find any information.
Product: Vehicle loan or lease

In 2015 my XXXX that was financed through XXXX XXXX XXXX had an engine problem. This was supposed to be covered under my warranty however for weeks we continued to get the run around and were without our Jeep for over 5 weeks. XXXX who also handled the warranty stated it was user fault and would not cover the repair. The engine was clearly faulty as we only held the XXXX for less than 2 years. We appealed and during that time the XXXX was taken as repoed from the dealer where the XXXX was at waiting on word from the appeal for repairs. After it was denied again we could not get it back. No letter of intent to sell was sent, no letter of intent to repo was sent and the company was well aware of what was going on as their warranty department was handling the claim. The loan still reports on my credit with a higher balance than what we owed when the XXXX was taken how is that even possible to owe more? No deficiency balance fees were added to balance and it is ruining my credit still till this day. The XXXX was sold clearly but yet my balance still reports as higher than when I held the vehicle. This was a gross mishandling of fair credit acts and reporting. I want this removed from all 3 credit reporting agencys
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 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 resolution 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: Credit card or prepaid card

We did not authorize payments to the merchant. We showed chase the police report and FBI investigation to prove the merchant is committing fraud. We also reported to the attorney general in New York. 

The amounts range up to {$49000.00} around XXXX XXXX to XX/XX/2020. 

Chase refused our dispute and appeal. Please help. 

Chase provided NO proof as to why they are not sending back the credit, I've been stuck with this case since XXXX when I originally made the claim. Today I learned they denied my claim. This has been extremely frustrating because of a large balance on my business card.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX did not authorize the following companies below to pull my credit. Each company is in violation of my rights as a consumer and I have tried to get these taking care of months ago with no headway -XXXX XXXX XXXX XXXX -RESIDENT VERIFY XXXX I am in the process of renting a building and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 604,611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 or 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: Vehicle loan or lease

I have an unverified account from BRIDGECREST CREDIT. I had previously disputed this account. I have never done business with BRIDGECREST CREDIT. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that BRIDGECREST CREDIT provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that BRIDGECREST CREDIT Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting or other personal consumer reports

Please see attached docuASFments. Do not close this complaint stating it is not me. I am a natural person and a consumer.
Product: Prepaid card

I have two prepaid Amex gift cards, each pre-loaded with a value of {$100.00} ( so {$200.00} total ) and each supposedly expiring in XXXX. I received these gift cards as a birthday present from my aunt only a few days ago ( as of XXXX ). I tried to use the cards and both of them were declined. I then attempted to check their balances using the website provided on the card ( XXXX ), where I experienced a nondescript error message. I then called the included customer service number ( XXXX ) and was told by the customer service representative that the gift cards had not been " used '' after being activated by the merchant, and thus, the funds had been sent to the state 's unclaimed funds service. I do not understand why this would have happened, as both prepaid cards clearly state that the expiration date is in XXXX.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX are reporting inaccurate information on my report. Per Fair Credit Reporting Act all reporting agencies must have the consumer written permission to report on their behalf. I have not given anyone written permission to report anything on my behalf. I am asking that XXXX XXXX XXXX  be removed, All inquiries that do not have an open account attached to it, all of the XXXX accounts, all late or missed payments. Per the FCRA the ONLY person that can report accurate information would be the consumer. Any one else providing any information without written consent is defaming the consumer 's character and causing harm. If written proof can not be provided to me that I gave permission for the things to be reported I would like them to be removed immediately ; along with all addresses, employment, and phone numbers for this puts me at risk for identity theft. and I would not like my information to be breached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a {$5000.00} line of credit from a company called XXXX XXXX. I had to pay to join this club and have been member since XX/XX/2015. In recent past the company changed owners. This account somehow was dropped from my Equifax report causing my credit score to drop over XXXX points. I contacted the company who said they would send through an update so credit bureau had accurate info. The correct information is on my XXXX and XXXX reports put has not been reinstated on my equifax report which has negatively impacted my report
Product: Credit reporting or other personal consumer reports

I am an ongoing victim of Identity Theft, first affected in XXXX. My personal information has been compromised since, and I have filed all the required reports and notifications with the police and credit reporting agencies. In XX/XX/XXXX, a fraudulent JP Morgan Chase credit card totaling {$19000.00} was reported as delinquent to my credit files. I immediately contacted Chase, and shared that the account was unauthorized and identity theft. Chase said they would investigate and I would receive mail notifying me of the results. In XX/XX/XXXX, after not receiving any correspondences, I called again and sent a formal dispute letter to Chase. I then contacted the credit bureaus, XXXX, XXXX, and XXXX, disputing the account 's validity. XXXX and XXXX responded that Chase verified the account as mine, while XXXX responded the account was unverifiable and removed it from my report immediately. Since, I have gone back and forth with Chase, XXXX and XXXX about this fraudulent/identity theft account without any just resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Checking or savings account

I made an online purchase from XXXX. Never received the items and was charged {$160.00}. Contacted the company via phone and email with no response over a dozen times. Went to my bank, Citizens to dispute the charge. Received a letter from Citizens that there was nothing they could do because too much time has passed. Im only XXXX and thats a lot of money to me.
Product: Debt collection

Need address added onto credit report due to compromising documents new address on file should be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also keeping the one on file XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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  15 U.S.C , 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, Experian. XXXX XXXX XXXX of the fair credit reporting act law states that a consumer report must be accurate. Experain is reporting my name and address inaccurately. I HAVE DISPUTED MY PERSONAL INFORMATION TWICE. I have attached documents to support my personal information that is listed on my consumer credit report is being reported as INACCURATE. REMOVE FORMER ADDRESSES. THOSE ADDRESSES ARE NOT MY ADDRESSES. MY NAME IS SPELLED WRONG. UPDATE MY NAME TO XXXX XXXX XXXX XXXX as it shows on my birth certificate and social sercurity card that is attached to this compliant. I ALSO ATTACHED MY CURRENT EXPERIAN CREDIT REPORT ( PERSONAL INFORMATION ) FROM EXPERIANS WEBSITE.
Product: Vehicle loan or lease

I noticed several violations on my consumer credit transaction, demand that this matter is investigated immediately XXXX XXXX XXXX I brought a XXXX XXXXXXXX XXXX XXXX ( XXXX ) vehicle from XXXX of XXXX and XXXX was required to put down a down payment and now its being finance with Pen Fed Credit Union as XXXX XXXX XXXX XXXX violated # XXXX Federal Law on a consumer credit transaction no cash is supposed to be exchanged according to, Federal Law 15 U.S.C 1605 the Finance Charge is the sum of all Charges, according to ( truth and lending act ), defines except as otherwise provided in this section the amount of the finance charge is in connection with any consumer credit transaction shall be determined as the sum of all charges payable directly or indirectly by the person to whom the credit is extended and impose directly or and directly creditor as an incident to the extension of credit. The finance charge does not include fees in amounts imposed by third party closing agencies including, settlement agencies, attorneys, in escrow and title companies, if the creditor does not require the impose of charges or the service provided and does not retain the charges examples of charges. Examples of charges which are included in a finance charge include any of the following types of charges which are applicable. interests, time price differential, and any amount payable under a discount, or other systems or additional charges. Service or carrying charges. Loan fees, Finder fees, or similar charge. 15 U.S.C 1679 82 to protect the public from unfair and deceptive advertisement and business practices by the credit repair organization. 15U.S.C 1662 ( b ) mixing cash with consumer credit transaction. 16 C.F.R 433.1 ( d ) go to the money loan companies that in cash advance for using a social or credit card.
Product: Debt collection

On XX/XX/2023, I sent in a Lawful Notice of Dispute, I gave the company a period of ten ( XXXX ) days from the date of your receipt of my notice and if not then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once, or I will take legal action. It's been over a month and they still have yet to provide this information or to delete this information from my credit report. They are now in default. They are also violating Fair Credit Reporting Act ( F.C.R.A. ), Violation of the F.D.C.P.A., Defamation of character by reporting this debt on my credit report while also violating 15 U.S. Code 1681b since they never got my permission to report this in writing, and also, the use of my copyrighted property.
Product: Checking or savings account

On XXXX XX/XX/XXXX I was notified by text of suspicious activity on my Wells Fargo checking account that asked if I authorized a {$2400.00} payment on XXXX payment. Please respond yes or no, so I, of course, replied no. In response, the next text said that someone would be contacting me shortly. ( Texts included as attachment ) I then received a call from a professional individual posing as a Wells Fargo agent who proceeded to help with the charge. The number was a fake - ( XXXX XXXX ). They then requested user name and password to the online banking app so they can temporarily secure the account for 24 hours. I did provide the information with the impression that this individual was a legitimate representative of Wells Fargo. They also provided a temporary passcode and requested the debit card number. In the next few minutes they moved what was in my savings account into the checking account and someone at an atm in XXXX, NC made three withdrawals of {$200.00} each. The location of this atm showed up on my banking app under the transactions. This happened to be about an hour south of where I live. 

The following day on XX/XX/XXXX I called the fraud division of Wells Fargo to follow up on the incident and discovered they had no record of any contact with me regarding the previous day. I gave the agent all of the info I had about what had happened and they issued a new debit card for me. I then filed a fraud claim with Wells Fargo through the proper channels and then waited several days for a reply. The decision they reached was that there was no fraud and either myself or someone I know was allowed to use my card to make the withdrawals. I received that news by letter. ( see attachment ) I am XXXX XXXX XXXX, live alone, no children, grandchildren, and the nearest family is XXXX miles away. No one ever uses my card ever. 

On Sunday the XXXX of XXXX I notified the XXXX, NC police department since that was the location of the withdrawal. I spoke with XXXX XXXX XXXX and relayed all of the information to him. Phone XXXX XXXX XXXX. He turned the information over to investigations. Case # XXXX XXXX XXXX called back on XX/XX/XXXX, ( XXXX ) XXXX XXXX ), to get my debit card number used in the fraud, which he then relayed to the local Wells Fargo office security there so they could review video at the atm on that day. It is still ongoing.
Product: Debt collection

XX/XX/2020 I received a letter, from Gordon Aylworth & Tami P.C saying I owed XXXX XXXX  XXXX. I calleXXXX XXXX XXXX to verify any accounts with them because I have not worked with XXXX XXXX for any accts, loans, cards etc whatsoever. The letter wasn't certified so it was a red flag. I called XXXX XXXX  customer care line and they transferred me to the fraud department, there was no accts, listed so he transferred me to the collections department to see if there was any collection accounts in my name. Nothing came up. He then asked me who was the collection agency that sent the letter, I told him and the XXXX XXXX personnel said that Gordon, Aylworth and Tami PC are not even an agency they work with to collect debt. I also requested my credit report from all credit bureaus and nothing under XXXX XXXX OR Gordon is comes up.
Product: Credit reporting, credit repair services, or other personal consumer reports

according to my consumer report I received dated XX/XX/XXXX and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted XXXX XXXX or Experian such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : 1. XXXX XXXX, XX/XX/XXXX of listed late payment 2. XXXX  XXXX XXXX, XXXX of XX/XX/XXXX listed late payment 3. XXXX  XXXX, XXXX XX/XX/XXXX of listed late payment Any information listed on my consumer report must be verified or immediately removed. I am due for a thorough and proper investigation. Please send me any information regarding my request and an updated consumer report showing that the above mentioned demands have been met. As a gentle reminder, this is my first and final attempt at peaceful civil mediation. 
Kind Regards, XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved.
Product: Credit card or prepaid card

Huntington Bank Voice MasterCard XXXX XXXX deception. 
We have a Voice MasterCard issued by Huntington Bank and at the time we signed up for the card we were told it covered any rental car damage not covered by our insurance. We had a minor accident with a rental car charged on our Huntington Voice MasterCard. The total damage was {$360.00} and {$110.00} was paid by our insurance company, leaving a {$250.00} deductible charge that should been covered by our Huntington MasterCard.

Our bank Relationship contact told us we were covered and just file a claim. After trying to file the claim it was rejected. We have talked to many people at Huntington including the branch manager and called the manager of the Huntington Voice MasterCard credit card division, none of whom had any knowledge that this card did not cover car rental damage. 
Attached is a copy of the " XXXX XXXX '' given to customers to file claim. On this XXXX XXXX   letter it even specifies to " decline the collision/loss damage waiver offered by the car rental company ''. Attached is a copy of the unpaid {$250.00} deductible bill that I had to pay. 
I am sure that somewhere buried in the vault of Huntington there is a document that says that there is no coverage, but this is clearly a very deceptive and unfair practice and should be put to an end.