23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have contacted Navient, and previously XXXX  ( I think ), several times concerning loan forgiveness as a XXXX  in a low income, high needs XXXX for over 5 years of service. I was told several three or four times I would be forgiven XXXX dollars for sending in the paperwork over the phone. After the initial application, I received a denial letter for XXXX for the XXXX instead of the XXXX XXXX portion. When I called, they intimated my loan does not qualify for the XXXX. I inquired about he XXXX and they said it did not qualify for that either. After completing research again and looking into my Spousal consolidation, I called back to find out what I could do and why it didn't qualify for forgiveness. I was then told it did qualify and I needed to resend the paperwork in and it would remove me from the loan and leave only my Ex-Wife 's portion. After re-obtaining the paperwork, I called to find out where to send it, as I was super excited to be done with my half after getting " the run-around '', I was told my loans didn't qualify. I then asked how to get a copy of the transcripts from the call for evidence of what I was told in the conversation, which was not honored. I wrote an inquiry letter to the transcripts department and received a response stating I would have to subpoena the information in order to receive a copy of the transcripts ( XX/XX/2018 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

TRANSUNION COLLECTION : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Balance {$510.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Balance {$480.00} INQUIRIES : 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 Balance {$510.00} XXXX XXXX  Balance {$480.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Bank account or service

My Bank of America savings account went negative by almost {$1400.00}. The bank said it was negative for XXXX days as of XXXX/XXXX/2015. I was trying to pay it off through a payment plan, but the Bank refused and while it took the reason why the account went into a negative balance as a fraudulent transaction ( which happened at XXXX time ), there was no action made to the person who wrote the bad check, nor was there any feedback that they would have allowed me to pay back incrementally the negative balance. 

On XXXX XXXX, 2015 Bank of America performed an unauthorized transaction by taking all of the funds out of my checking account which were actually a student loan for my wife 's school and left us with a negative balance. When I confronted the bank, they said that they were allowed to do that based on the contract of my accounts. I found that hard to believe, which is why I am making this complaint that Bank of America has been performing predatory business practices and continues to do so that are not only unethical but I wonder if they actually violate the law.
Product: Checking or savings account

Chase bank decided to close my accounts in lieu of fixing any of the several problems i 've brought to their attention. I am given to understand there is also an issue with me not having enough money to have business with Chase, but I do n't have any documents to support that. 

The beginning of this issue was when I discovered my paycheck had not been deposited into my account, even though my payroll system showed the electronic check had been sent. 
The next issue was that Chase refused to allow payment withdrawal of my credit card payment with a separate company, which caused an issue of potential account closure there. 

In the latest part of this saga, Chase advised me that no deposits or withdrawals would be allowed, but that was clearly a lie as they did later allow my paycheck to be deposited into the account, but they have refused to allow me access to those funds. I have asked them many times to please advise when and how they plan to return my stolen funds, but they have refused to discuss this matter with me at all.
Product: Checking or savings account

I was contacted earlier in the year by a representative from Iberiabank. I left voicemail but never received an answer back. 

In XX/XX/2018, I received a voicemail from XXXX and attempted to call back but there is either a long hold or when I press 1, it hangs up my call. I can not reach anyone. I also received an email to my Iberiabank account but could not login at all. I have been having issues logging into Iberiabank for a long time, especially since losing access to electronics from Harvey. 

Finally, I received a mail notice from Iberiabank on XX/XX/2018 stating that my account ( XXXX ) was being charged off due to an extended overdrawn status in the amount of $ XXXX. I had no idea my account was in this status until XX/XX/XXXX. Why was I not mailed a notice before then? Any call attempts I had were no good.
Product: Credit reporting

Someone has stolden my identification card with all my information in it, also says I have a morgage in which I never aplied for. I do not even have a house at this present time.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payments reported by TD AUTO on my credit report, which are inaccurate. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to have accurate information reflected on my credit report. 

Despite having provided TD AUTO with proof that my account status was inaccurately reported, they have refused to correct the information. Enclosed are copies of my evidence, including payment receipts and account statements, demonstrating that my payments were made on time. 

Additionally, I draw your attention to 15 U.S.C. 1666b, which mandates timely posting of payments. This requirement has been violated, further affecting my credit report inaccurately. 

Please investigate this matter and correct the inaccurate information promptly. I request written confirmation of the corrections within XXXX  days. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting The Following Inquiries XXXX XXXX XXXX XXXXXXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC 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 has violated my rights. 

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

I requested validation of this alleged debt 5 times already. I have never received anything .Attached is a copy of my most recent request. 
Only XXXX XXXX  answered be in a ridiculous way, telling me that they dont understand what I want.
Product: Debt collection

We were notified on XX/XX/XXXX about a debt owed to XXXX XXXX XXXX XXXX XXXX for a service we received in XXXX XXXX Principal is {$500.00} and interest is {$130.00}. 

We would like to understand why we are being charged the interest if we just got notified, and why our insurance never told us they did not cover the service, so all this is new to us. Asked to the debt collector ( TSC Accounts Receivable Solutions ) but no answer has been provided yet.
Product: Credit reporting or other personal consumer reports

In accordance with the Fait Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy an confidentiality under 15 USC 1681. 

XXXX XXXX acct # XXXX XX/XX/XXXX - date opened. 
XX/XX/XXXX - last updated. 
{$3200.00} - amount XXXX acct # XXXX XX/XX/XXXX - date opened. 
XX/XX/XXXX - last updated. 
{$800.00} - amount. 

15 USC 1681 section 602 A. States I have a right to privacy.

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

15 USC 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 or crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or any consumer reporting agency of the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE. I demand proof TO SEE ' Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I XXXX XXXX legally requested a description of the details of the validation and verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. 



I have sent letters on XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and i still have yet to receive a proper response that validates this debt.
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!! 
Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 

Under the Fair Credit Reporting A

ct, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your
company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX fraudulent account Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX CFPB XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately. 
XXXX / XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX the XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX data on XX/XX/XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX CXXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX Card on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX
Product: Student loan

I received a collection notice from Transworld Systems. I have attempted to contact them via the indicated phone number on the notice for five days. I continue to receive a voicemail message. I have left two messages, which have not been returned.
Product: Money transfer, virtual currency, or money service

I took out XXXX from my home branch, XXXX, in XXXX  XXXX XXXX XXXX XXXX on XX/XX/XXXX as advised from the Chase bank located in XXXX XXXX california as a way to deposit XXXX funds into my husband, XXXX XXXX, account at chase bank . On XX/XX/XXXX I deposited the money order into my husbands count in person with XXXX. Both my husband and I signed the back of the money order and provided our government issue ID in the form of a passport and drivers licence. We were not told or warned that the money could be withheld from us and we have on receipt that the funds would be available by XX/XX/XXXX. He has since had his account frozen and told that they will withhold the funds for up to two years and then give to the state if they can not verify the money order. I have called their fraud department line several times and spoke to the agents of the names XXXX, XXXX, and XXXX. XXXX told us he did not see why our funds would be held and requested the account to be unfroze, the request was later denied. The only form of releasing funds they have offered is proving a US phone number that exists in their data base. I have an American phone number with the bill in my name I provided, and that was not accepted. My XXXX  bank  offered to reach out and verify me, which chase bank also denied. I went in person to two chase branches to try and verify myself and that was also denied. I am seeking help to have my funds released as I have tried every method possible to verify the funds with no progress
Product: Payday loan, title loan, personal loan, or advance loan

XXXX claims I a man oweXXXX. I am not in receipt of lawful verified proof that I a man owe XXXX or any sum of money. So that I can make arrangement. Please provide verified lawful proof of this obligation I XXXX owe.
Product: Debt collection

National Account Systems is currently reporting a debt on 2 of my credit reports that has been paid in full. The orginal creditor being XXXX XXXX.
Product: Credit card

I signed up for the Chase Freedom XXXX Credit Card in XX/XX/year> due to the 1.5 % cash back on purchases and a well advertised {$200.00} sign-up bonus that is still listed on their website - 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 

The offer indicates that customers who spend {$500.00} within the first three months will be eligible for {$200.00} cash back in the form of XXXX bonus points with an expected 6-8 week waiting period. I spent {$500.00} within the first month and have waited for the XXXX bonus points to show up on my account. When it did not, I called the company and spoke with two different customer service agents on XX/XX/XXXX ( today ). They have indicated that I am ineligible for this offer with no further explanation. I have not had a Chase credit card in years and appear well qualified for the offer based upon all the stipulations on their website. This is unacceptable and I'm seeing that other customers have experienced the same frustration through a quick review of XXXX posts. 

The company either needs to remove this clear false advertising ( which is luring prospective customers to sign up based upon false promises ) or pay out the bonuses that customers have earned.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2021 I bought a XXXX XXXX from the company XXXX. I then paid this vehicle off a year later. The furnishing company ( XXXX ) sent me the title to the vehicle with their official company stamp and then reported the vehicle on my credit as Paid, closed. Then the same exact tradeline had now posted on my credit as Charged off. I have the title of the vehicle and have screenshoots of whats being reported on my credit file as well. This has now become an even BIGGER problem because I was recently offered an employment opportunity with XXXX XXXX, but they retracted my offer due to this charge off being listed on my credit report. Please help me have this removed immediately because I have now disputed this twice, and lost a great job opportunity which was going to help me provide for my family. I have emails from my job offer and why my offer was retracted, as well as my title of the vehicle, and the 2 separate reportings on my credit file.
Product: Debt collection

This is the problem. I had identity theft and I lost a lot of cards and ID and data breach. So whatever they have on file at any credit reporting agency is not accurate and false. I do not have any debt. I have already filed identity theft with the CFPB XXXX XXXX, XXXX, and XXXX all have my credit file. A disaster. Nothing is adding up. Nothing is matching up. XXXX credit bureau says this XXXX credit bureau that so I was involved in over XXXX data breaches. XXXX is XXXX of them XXXX as another data, breach, XXXX XXXX is another data. XXXX  XXXX XXXX, another data beach and identity theft scam. My credit file should be clear. I dont owe any debt. These collection agencies shouldnt be harassing me and sending me letters and emails about a collection that I dont know anything about.
Product: Debt collection

I purchased hair care products from XXXX XXXX which totaled {$140.00}. The products were paid in full in XXXX payments through my bank, XXXX. The payment sought now is {$54.00}. I have proof of all payment made. This company continues to hassass me. They have reported me to collection agencies. Documentation was sent via fax to the first collection agency, which was XXXX XXXX. Another agency sent a letter. The agency is SKO Brenner American, INC XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

( DISPUTE XXXX ) My personal information was stolen in XXXX, since that day I've been seeing a lot of unauthorized inquiries and accounts, I've attached a police report pertaining to the incident. In accordance with the fair Credit Reporting Act multiple unauthorized Inquiries and accounts have been found on my credit report please immediately delete and remove all inaccurate Accounts and addresses i have listed the following included : 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: Payday loan, title loan, or personal loan

Call last month XX/XX/2022 to make payment, but it was late at night and I needed a few more dollars to make payment, the agent for XXXX realizing it was late at night agreed that if I paid by the XXXX I would not be charged a late charge, which I did and I still am being charged a late charge. I asked for them to listen to the call from that night and they that what I was saying is correct. They promised to do so and get back to me, but couldn't give when it would be, in the meantime I would have to pay the over charges and if I'm right I would be refunded the over charges, that's not good enough, I should be compensated for all I've gone through. I went by what I was told. I also asked for a copy of the phone call I made on XX/XX/2022. How do I file a complaint, can I begin a case for damages with you. I hope this complete if not contact me at XXXX or at XXXX. Thank you.