23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I live in  XXXX   XXXX   XXXX  and I have a Visa credit card with Bank of America that I only use in the USA and they can verify mi card has not been used before outside the USA. On the      XXXX   XXXX   XXXX        I entered the online banking account and I noticed  two  charges on my credit card which I do n't recognized. The  two  charges appeared on the bank page to had beed made on the   XXXX   XXXX   XXXX    2017  and I called the bank to report a fraud on the   XXXX   XXXX   XXXX      2017 . This were for {$5200.00} and {$5000.00}. The bank says the chip on my card was read for this transaction and that is not possible since my car is always kept in my safe box and I only take it out when I travel to the USA. Im completely sure that no one had access to my card. I requested a copy on the vouchers for this transactions and I finally received them yesterday, and verified that the signature on this vouchers are not my signature and are very different from the signature I have registered at the bank, also the personal ID number on the voucher is not mine either. In the vouchers the transactions appeared to be made on the    XXXX   XXXX   XXXX   XXXX   XXXX       2017  and now on the online bank page they are both dated on the   XXXX   XXXX   XXXX     and not on the   XXXX   XXXX   XXXX   as I saw for the firs time. Considering the amount on this transactions the merchant must have requested a valid ID at the moment of running the card and they should have verified if name on ID matched name on card. Also according to the security benefits the bank offers on credit cards they block transactions with abnormal behavior. This is a perfect example, first because the card was being charged by an overseas merchant for the first time and second the amount of more than  XXXX   XXXX  dollars for each transaction is not normal and the bank didn'tt block this transactions. With the facts Im providing you, should be enough reason to consider this transactions as fraud but the bank for the second time does not consider so. I have reopened my fraud complain with the bank for the third time with all this arguments with no intentions to reimburse me the amount charged on this transactions. This is the reason Im requesting your help.
Product: Student loan

On XXXX I contacted FedLoan Servicing XXXX to request forbearance for payment of {$830.00} that was scheduled begin on XXXX XXXX, 2016. This request was scheduled to last from XXXX XXXX - XXXX XXXX, 2016. On XXXX XXXX, 2016 I contacted FedLoan Servicing after receiving a notice on my account that I was scheduled to owe a payment of {$830.00} on XXXX XXXX, 2016. After speaking with the servicing company, I was notified that my forbearance request had been backdated to approximately XXXX of 2016 despite the fact that I owed a balance of $ XXXX during the months of XXXX and XXXX 2016. I did not agree to have my forbearance request backdated and I was not informed at any time of these dates in my original request. This company also charged my account capitalized interest that was back dated for the months of XXXX and XXXX 2016.
Product: Credit reporting

I have shown the credit bureau documents of proof of these items that either are now closed out or paid in full that should not be on my credit report but they are failing to do there job properly. I also asked to get the information that they used phone numbers etc and I have not gotten any of that information still. It 's like they let the computer do the work and they do n't get anything done accurately. And the XXXX different collection agency did some illegal stuff with the dates and I advised them of this and they still did nothing. Representatives are rude and try to rush you off the phone barely willing to help
Product: Checking or savings account

Opened a checking/savings account with my daughter and power of attorney for capital one banking. Capital one flagged my account for fraud my daughter and I went in person to the bank to verify it was me and valid. NOTHING has happened since its been months capital one is not closing my account or lifting the restriction gaining money and interest in my money deposited while refusing to release my funds and close my accounts! I want to close my accounts and my money back.
Product: Debt collection

XXXX XXXX calls back to back XXXX XXXX calls back to back XX/XX/XXXX XXXX calls back to back XX/XX/XXXX called reference and told reference that I have an outstanding balance and they were lookin to serve me at my job. 
XX/XX/XXXX XXXX calls back to back When I answered the call XXXX stated I was behind and a previous payment didn't process. He never gave me a mini miranda nor did he verify if he was speaking with me. I then then asked if he knew that it's considered harassment to call my phone back to back. He goes to say, ma'am you owe an amount to XXXX XXXX XXXX if you don't want to be contacted we'll have to send the state to your job. Then he hung up the phone. I called back and he answered and said have two forms of ID when we visit place of employment and hung up.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate credit reporting on my account that has severely impacted my credit standing. # # Detailed Dispute Information - **Current Credit Score Impact** : Reduced from XXXX to XXXX - **Account History** : Consistent history of timely payments and automatic payments - **Specific Incident** : Unexpected annual fee and late payment reporting - **Undisclosed Debt** : No prior notification received about outstanding fees # # Phone Call Details On [ Date ], I spoke with a Capital One representative who :- Confirmed the account has been in good standing since XXXX - Verbally committed to sending a notification to XXXX on XX/XX/XXXX - Agreed to waive the fees and remove late payment markers - Provided no written documentation of this commitment # # Legal Basis for Dispute I am invoking my rights under : - Fair Credit Reporting Act ( FCRA ) - Fair Debt Collection Practices Act ( FDCPA ) The reporting of this debt violates consumer protection standards due to : - Lack of adequate notification - Reporting of unverified financial information - Significant negative impact on credit score without proper communication # # Requested Actions 1. Immediate investigation of the reported information 2. Removal of all negative markers related to this annual fee 3. Restoration of credit score 4. Provide written confirmation of investigation results # # Documentation Attached are supporting documents demonstrating : - Account payment history - Lack of prior notifications - Capital One call reference information # # Legal Recourse I am simultaneously filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). Failure to investigate and correct these inaccuracies may result in further legal action.
Product: Debt collection

In XXXX of 2020 I was sentenced to a treatment center in XXXX fl called XXXX. while there I injured myself and went to the hospital XXXX XXXX XXXX XXXX XXXX XXXX XXXX. about 6 month later I got the bill for XXXX dollars and couldn't pay it as I was uninsured and not working at the time because of covid-19 pandemic. so the bill was sold to a collection agency and I haven recovered financially to pay this debt and need help resolving this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved from XXXX XXXX XXXX XXXX ( which is managed by XXXX ) in XX/XX/XXXX. I was employed by them currently. I didn't know that I had this debt until XX/XX/XXXX. I called XXXX XXXX XXXX and asked what the cost was, I thought it was a final water bill. They look it up and was told it was my employee discount. I asked for a dispute. I called XXXX XXXX XXXX XXXX and spoke to the manager XXXX and she said that she would be waiting for them to call and would take care of it for me. I called XXXX XXXX XXXX again to let them know, they were able to take care of it from XXXX. I wasn't aware that I needed it to be disputed from all XXXX beaus, I thought it would be automatic. I have been looking at this since XXXX and filing disputed with TransUnion only to find out that it doesn't matter. It can not be removed, and they do not communicate. I do not owe this debt. Please help me. It's ruining my credit and XXXX XXXX XXXX should have contacted the TransUnion to have it removed.
Product: Credit reporting or other personal consumer reports

I have repeatedly requested Equifax, Transunion and Experian to remove any variances of my personal info. They have refused to do so. I have no other name other than XXXX XXXX. No other addresses outside of XXXXXXXX XXXX XXXX XXXX XXXXXXXX FL XXXX. See attached for FTC report and letters.
Product: Student loan

I made several payments on my student loans ( I have five loans- all of which I pay monthly ) which are not being reflected on Navient 's account summary. A few of the payments are showing directed to XXXX DL Consolidated and XXXX DL Consolidated when in fact the payment should be showing on the XXXX and XXXX  Consolidation loans. I have called Navient and asked about this issue but no one seems to know what is going on or why the system is showing the payments allocated to different loans other than what I directed. Navient also confirmed that they show I made the payments and allocated to the correct loans however they were not being reflected as such. 

Even more troubling has been a payment that I made on XXXX ( withdrawn from my checking account on XXXX ). I made a {$330.00} payment ( as confirmed through my bank statement ) but Navient is only showing a {$170.00} credit applied on XXXX ( also shown on their system )! Where is the rest of my payment and why was it not applied correctly or on the correct date? From my understanding, Navient charges daily interest so it is interesting that my payment is processed 7 days after it is withdrawn from my account, thus accruing 7 days more interest. On top of that the amount is much less than I paid. 

This is my second CFPB complaint against Navient as I have had trouble with my account since the beginning. Please assist me in correcting their systematic errors ( which always seem to be in their favor ) and mistreatment of customers.
Product: Credit card or prepaid card

Every month during 2018, the credit card company locked me out of my account with unfair practices, such as burdensome password requirements and phony security questions that I could not have answered incorrectly.
Product: Credit reporting or other personal consumer reports

My name is XXXX l XXXX the list of Accounts has been violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. My accounts have been charged off and sold to a debt collector as per my agreement once there is a charge off I owe my original debt to that company. I request the Capital XXXX XXXX for {$2300.00} and XXXX XXXX XXXX for {$2300.00} as well as XXXX XXXX XXXX XXXX for XXXX. It is illegal and against the law to sell the account when the account has been charged off from the original debt as per the agreement for this credit card. The rules of the FDCPA have been violated. As per the original agreement the debt was sold to a third party without my permission.I have never received a validation notice from this collector the third party that took over the debt. I am requesting the original agreement and for this debt to be deleted off all 3 of my credit report XXXX, Equifax and XXXX. Here is the list of debt that have been sold to a third party without my permission as per the ordinal Credit agreement!! 

XXXX XXXX XXXX for XXXX amount not recognized as debt they are saying I owed debt collector XXXX XXXX XXXX For XXXX do not recognize amount and debt collector XXXX XXXX XXXX XXXX for XXXX it is illegal and against the law to violate the original agreement sell this account t and to make up amounts these account need to be deleted. They were all sold in XX/XX/year> with out validation notice and all XXXX account have the same money owed very strange.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SUBMITTED SEVERAL DISPUTES WITH ALL THREE CREDIT REPORTING AGENCIES IN XX/XX/ AND XXXX XXXX  I NEVER RECEIVED A REPONSE BACK FROM THE CREDITORS.
Product: Credit card or prepaid card

I had a credit card with Best Buy for 5 years, I was told the credit card would reported to all three credit bureaus but its only reporting to XXXX. I called 5 different times and was told it should be reporting to all three. I was told each time to wait a month, and every month it was the same. I reach to XXXX and XXXX, and told me I should call CFPB because they still havent reported. I added my wife as a authorized user on my card 3 weeks ago and shows on all three of the credit bureaus.
Product: Credit card or prepaid card

I have a loan with SYNCB/CARECR. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX  and SYNCB/CARECR with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Product: Credit card or prepaid card

I specifically signed up for a AAA Comenity Visa Travel Advantage Card during a valid promotion for a {$100.00} bonus credit after spending {$1000.00} in the first 90 days, which I successfully completed a while ago. Never got my credit, called and a woman told me it would be issued on XX/XX/XXXX. I now got a letter in the mail from Comenity denying I am valid for any promotions. I want my credit.
Product: Credit reporting or other personal consumer reports

i did not authorize XXXX XXXX XXXX XXXX on XX/XX/24, and XX/XX/24.
Product: Debt collection

Company did not disclose any information on the debt and did not called to resolve any solution...
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft. This is my official statement about the XXXX XXXX XXXX Personal Statement Accounts Affected by the Crime Fraudulent Information on Credit Reports FTC Report Number : XXXX First Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX USA Phone : XXXX Email : XXXX please remove all fraudulent accounts and inquiries. XXXX XXXX, XXXX acct, XXXX XXXX, XXXX XXXX, 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 Opened by the XXXX XXXX XXXX XXXX  : the company Other Identity Theft Company or Organization : the company Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report Personal Information Social Security Number Date of Birth Names : No Data Supplied Addresses : XXXX XXXX Phone numbers : No Data Supplied Employment Information : No Data Supplied Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Under penalty of perjury , I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fin imprisonment, or both. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local polic XX/XX/XXXX, XXXX XXXX  XXXX https : //www.identitytheft.gov/confirmation/genericsteps I looked at my Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act ( FCRA ), whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ( 15 USC 1681 ( e ) ( b ) ). 
Further, under 15 USC 1681 ( 5 ), they are required to do the following : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general : After any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Finally, under 15 USC 1681s-2, furnishers of information are prohibited from reporting any information to consumer reporting agencies if they know or have reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

Dear Sir/Madam, I trust this message finds you well. I am writing to you with a matter of utmost importance, pertaining to the accuracy and integrity of my credit report as governed by relevant provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). 

Over a persistent duration of time, I have made continuous efforts to communicate with your esteemed organization in order to rectify several discrepancies present on my XXXX credit report. Despite numerous attempts to have these issues resolved, it has come to my attention that these inaccuracies have not been adequately addressed. This persistent disregard for the accuracy of my credit report poses not only a significant inconvenience but also has far-reaching implications for my financial standing. 

First and foremost, the incorrect listing of an address, " XXXX XXXX XXXX XXXX, NY XXXX, '' which lacks an apartment number, is a blatant error that contravenes the FCRA 's stipulation that credit reporting agencies must ensure the precision of the information they maintain. This discrepancy is not only factually incorrect but also has the potential to introduce confusion and misalignment in my credit history, as it intertwines my financial records with individuals who may share this address. I urge you to promptly remove this erroneous entry from my credit profile. 

Furthermore, I have observed a recurring issue with the handling of my name on the credit report. My legal name is " XXXX XXXX XXXX XXXX, '' According to the FCRA, credit reporting agencies are obligated to maintain accurate information regarding consumers, and this includes the proper representation of their names. Instead of simply removing inaccurate names from my profile, your organization has opted to make adjustments by creating variations of my name, which has resulted in an unwarranted proliferation of names on my credit profile. This goes against the spirit of the FCRA, which advocates for the dissemination of accurate, relevant, and fair information. 

I hereby request that you expeditiously take the necessary steps to remove the following erroneous and misleading name entries from my credit profile XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The FCRA and FACTA mandate the swift resolution of discrepancies in consumer credit reports, and I trust that your organization will adhere to these legal obligations by removing the aforementioned inaccuracies without further delay. 

I implore you to address these concerns promptly and rectify the inaccuracies in my credit report in accordance with the law. Failure to do so may necessitate further legal action to ensure compliance with the FCRA and FACTA. 

I appreciate your immediate attention to this matter and look forward to receiving confirmation of the corrective actions taken to restore the accuracy of my credit report. 

Yours sincerely, [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Shortly before COVID, fedloan servicing contacted me and told me they were increasing my monthly payment because of an accounting error they made. My payment increased from about $ XXXX to $ XXXX. I'm concerned that they have misapplied payments and my balances are not accurate.
Product: Student loan

In roughly XXXX of 2015 my mother and I registered with this company to handle my student loan account that had gone into deferment status. Anytime I spoke to their customer service they seemed extremely legitimate and we have thought so for OVER three years. We were told to pay an up front fee of I believe either {$250.00} or {$300.00}, and then my monthly student loan payment was {$59.00} for the first 24 mos, and it was then lowered to {$39.00}. I have paid nearly {$2300.00} to this company to handle my student loans-to only now find out that according to the XXXX XXXX XXXX XXXX NONE of this money has gone towards my student loans, and I am now in delinquent status. I was also made aware that this company created an account for me with XXXX XXXX XXXX under a username I would never have created-which is identity theft.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these personal information that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the personal information that needs to be updated. These companies have refused to do work on disputes even though they're required by the law to do so. 

Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Student loan

I have been paying on my student loans for 5 years now. After several forbearances ( recommended from Navient ), I started making payments of ~ {$260.00} per month. 

I recently went to pay my remaining balance in full ( ~ $ XXXX ) and thought I was done with my student loans. I also recently obtained a XXXX XXXX credit card that provides a free credit monitoring service and noticed an additional ~ $ 30K that was delinquent. I called Navient to ensure that the XXXX was all that I owed, and they assured me. 

I called the Department of Education line ( who was very helpful ) who discovered they sent accounts I was still paying on into debt collections. I need a resolution!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was unable to locate my account for payment over the phone on multiple inquiries during the coronavirus pandemic. They could not take a payment over the phone, and there was no way to make a payment online, as the account would not show up on their system. No mail was sent to our home with a billing statement, and there was absolutely no way to pay the account during the period in question. The balance was a result of taxes paid to the town on my behalf, by XXXX XXXX, and I was never provided detail on what that balance was, or how to pay it. We contacted XXXX XXXX over XXXX different times to pay this balance during XXXX, with no reply. They eventually reported this negatively as you can see in the screenshot in XXXX of XXXX. The balance was ultimately paid to XXXX when I purchased a new vehicle and traded in the lease, but this was the only way to settle the balance.
Product: Credit card or prepaid card

I've filed a couple disputes after reaching out to the business that took my money cash app refuses to resolve the issues and they were fraudulant
Product: Money transfer, virtual currency, or money service

Cash app let someone come into my account and pull over a XXXX off my account and its fraud