23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been fighting this case for over 5 years and this is the 1st time my loans were showing from XXXX XXXX college. I have written to Navient many times and the consumer protection bureau, Borrower defense to repayment, OIG the Ombudsman, I filed with FTC, the police, everything. You name it, I have done it and still nothing is being done about these loans that are not mine. The only thing that is happening is accrued interest. When I file a claim with the Ombudsman, they say they investigate the case and verify it and then it is closed. My complaint is with the Ombudsman with student aid for dropping the ball once again, and working on the side of Navient for misreporting these loans. I complained with FSA that they closed the case, and it was escalated to another review with XXXX who said I had 7 days to give them new evidence. 7 days after I have waited over 5 years! I have received 100 's of pieces of documents to comb through. I want them to stop sending me these useless documents that are already a part of the NSLDB and look at my evidence. She was supposed to get back to me last week on Monday and did not. I have not received any emails from her explaining what they are doing about my case or if they have received my information. From the information below, It clearly shows from my award letters that I only received 6 loans from XXXX not 11. Yet 11 are being reported with interest. When I spoke with the loan coordinator at XXXX they said they do not use account numbers, and could do nothing about it. I was like pulling teeth trying to get the information as no one wanted to be held liable.. Therefore since Navient won't remove the loans, it is the Ombudsman 's responsibility to protect the students welfare. I want these accounts removed immediately!
Product: Debt collection

XX/XX/2019 PMAB , LLC Company has on my report I owe {$300.00} twice in XXXX on same date which is impossible. I had health insurance and XXXX   back paid all medical expenses effective XX/XX/2019
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I did an online transfer from Usa to XXXX for {$300.00} us that supposed to be delivered the next day. The money was never transferred although was taken from my bank account. I have called, emailed and texted multiple times and they dont answer and the website doesnt work either to cancel the transaction. Their page in XXXX reports the same issue with multiple costumers. 
Company name Remitly
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights. 
Under 15 U.S code 1681s-2 section 602 states I have the right to privacy. Under 15 U.S. code 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S code 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I have two late payments reported on my credit report for XXXX and XXXX XXXX XXXX XXXX XXXX but those payments were made on time. I take my financial responsibilities very seriously, and it's crucial that accurate and correct information is reported. I am requesting a thorough investigation into this matter. Before updating my account, I ask that you provide me with proof of your findings and a detailed explanation of the steps taken to verify this informationrelying on hearsay is not acceptable. I request that these late payments be updated and corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat ok payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that are inaccurate. 

This agency is in violation of 15 USC 1681i, in your response to my dispute you claimed that the account -AXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have validated inaccurate information and this account is hereby disputer. 
The information on this account being furnished on my consumer report in fact is inaccurate. 

15 USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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 of 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX of these account ( XXXX ) is/are violations of 15 USC 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

How can you verify inaccurate information? You have violated METRO2 Compliance procedures and format for reporting! 

DELETE this account from my consumer report XXXX XXXX
Product: Debt collection

I sent National Credit Audit a letter demanding that they validate an account that they are reporting to my credit. The letter they sent me fell very short of the documentation required by law, and what I am entitled to as a consumer. Please help me!
Product: Credit reporting or other personal consumer reports

On XX/XX/24, I paid my entire account balance with midland credit management. I was told, by them, that they report weekly to credit reporting agencies. Yet balance shows as XXXX still owed, which is incorrect. Balance is paid in full. I want this off my credit report, as it is actively and negatively affecting my credit. 
I have contacted the company several times by phone and through their app over the last XXXX weeks, they say it shows balance paid in full " on their screen '' but again, it's still showing on my credit.
Product: Credit card or prepaid card

I applied for a Capital One credit card approximately two weeks ago. Upon receipt of my credit card I download the capital one application and tried to access my card and it was restricted. I called in and a representative at Capital One said that they could not fix it. Theyve gotten my banking information, run my credit and I now have an inquiry on my credit report and Ive sent them all the verification that they would need. When calling back about the issue after staying on the phone two hours they said they would call me back in another two weeks and they may or may not have the problem fixed. At this point Ive waited a month to be able to use my credit card! The customer service is horrible. I dont want to cancel the card because my credit score has already been affected. Please help me.
Product: Credit reporting or other personal consumer reports

I am currently in the process of buying another vehicle and of course, car dealerships have to run my credit report. Upon them running my report, each individual dealership has come back and all said the same thing that the charged off account for XXXX XXXX is causing the barrier in my consumer transaction to be approved and completed. I have disputed this account previously with the credit bureau, the company directly as well as the CFPB to no avail which violates 12 CFR 1022.43. The balance has been reporting inaccurate for over a year Which is a blatant violation of the Fair Credit Reporting Act found at 15 United States code 1681 as it has not been reported accurately repeatedly. The current reporting balance that was recently furnished to all 3 major credit reporting agencies is/was {$27000.00}. The actual and current balance is {$24000.00}. The company has not made any previous good faith effort to correct the reporting or deleted after the previous disputes and are willfully and knowingly violating the FCRA. This makes them criminally liable Pursuant to 15 USC 1611 and civilly liable under 15 USC 1640
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally filed a complaint about CITIZEN ONE BANK regarding this same issue on XX/XX/XXXX ( XXXX ). However, since that time, this nefarious company, CITIZEN ONE BANK, has again deliberately reported my account as being delinquent for the month of XXXX. On XX/XX/XXXX, CITIZEN ONE BANK reported my account as Late 30 Days ( see screenshot ) to XXXX, XXXX, and XXXX. My account with CITIZEN ONE has had a XXXX balance since XX/XX/XXXX. 

Once again, I ask that this unethical company, CITIZEN ONE BANK, cancel my account immediately.

This unethical company, CITIZEN ONE BANK, is deliberately ruining my credit rating.

I ask that CITIZEN ONE BANK be severely fined for engaging in this horrible business practice.

I thank you in advance for your assistance in this matter. 
Sincerely, XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Hello i recently look to my credit report and i was shocked to see that i have been victim of identity theft, i found on my credit report fraudulent account, that i want to dispute, i am in the process to buy a new car but this fraudulent information harm my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Fraudulent Charges {$1300.00}
Product: Credit reporting or other personal consumer reports

XXXX Today I call and requested a new dispute after the XXXX XXXX disputed by mail. Also ask for update address XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX tx XXXX And again, they stated i improperly did the request incorrectly. 
XXXX and XXXX have already fixed the problem. 
Now I'm waiting for Equifax to fix the error.
Product: Checking or savings account

For the week of XXXX XXXX -XXXX  XX/XX/2021 XX/XX/XXXX 3 overdrafts @ XXXX  $ =XXXX  $ XX/XX/XXXX 3 overdrafts @ XXXX  $ =XXXX  $ XX/XX/XXXX 3 overdrafts @ XXXX  $ =XXXX  $ XX/XX/XXXX 3 overdrafts @ XXXX  $ =XXXX  $ The overdraft fee is XXXX  $ x12 in one week is XXXX  $ Im being unlawfully being charged overdraft fees which is again fair business practices and public policy.
Product: Bank account or service

I am a first time home buyer attempting to purchase a home in Washington State. XXXX XXXX has refused to release my earnest money in Escrow after seller relisted property while still under contract. Rather than follow the law and purchase of sale agreement and releasing my earnest money in a timely manner - XXXX XXXX reached out to XXXX XXXX XXXX 's Attorney. 

On XXXX XXXX, 2016, I entered a purchase and sale agreement as a buyer to purchase from XXXX and XXXX XXXX property located at XXXX XXXX XXXX in XXXX, Washington. As required by the purchase and sale agreement, I paid {$10000.00} in earnest money which has been held in trust by XXXX XXXX 's escrow department. Both the XXXX and I agreed that I would have a financing contingency in this transaction when they signed a Form XXXX Financing Addendum. My financing contingency period was preserved until XXXX XXXX when I gave notice of termination due to being unable to secure financing by closing the date. The seller refused to allow for an extended closing and by that time had relisted property on the XXXX of XXXX 2016. 

Under Section XXXX of the Financing Addendum, XXXX things were required under this contingency for refund of the earnest money : 1 ) written confirmation from the lender and 2 ) notice from the buyer. Both of those requirements were satisfied by XXXX XXXX Pursuant to the terms of Section XXXX, on XXXX XXXX and XXXX XXXX, I again sent out a written notice demanding return of the earnest money. On XXXX XXXX, XXXX bank my lender provided a written confirmation explaining why I was unable to obtain financing. 

According to RCW 64.04.220 ( 2 ), XXXX XXXX had 15 days from XXXX XXXX - the day it received my written notice - to 1 ) notify the parties of my demand, 2 ) release the money, or 3 ) commence an interpleader action. When my legal counsel called XXXX XXXX on XXXX XXXX, 2016, she said XXXX XXXX did not send out any notices to the parties in regard to my demand and that it was XXXX XXXX 's policy to simply wait in these situations for a rescission agreement to be signed. This policy is not consistent with the purchase and sale agreement or RCW 64.04.220. In fact, it is my opinion that XXXX XXXX is out of compliance with RCW 64.04.220 ( 2 ) and the terms of both the Form XXXX Financing Addendum and the purchase and sale agreement. 

I just want my {$10000.00} earnest money returned to me as I have sent significant time, energy, and resources traveling between coast to try and buy a home. I believe XXXX XXXX is not acting on good faith as a neutral party and they have wrongfully held onto my earnest money for 3 days shy of a month now. Please help me.
Product: Debt collection

I am writing to request verification of a debt that has been reported to credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of this debt.

Details of the debt are as follows : Creditor Name : XXXX XXXX 's Amount of Debt : {$1100.00} Date of Last Activity : Unknown I am requesting verification of this debt, including but not limited to : 1. Documentation establishing the validity of the debt.

2. Verification that the debt collector has the legal right to collect the debt.

3. A copy of the debt purchase agreement between the original creditor and the debt collector including all the terms and conditions of the purchase agreement.

Please provide the requested verification within the timeframe prescribed by law. I understand that failure to provide verification may result in the removal of the debt from my credit report.

Thank you for your prompt attention to this matter.
Product: Debt collection

my name is XXXX XXXX I moved into these apartments pre-Covid, I have never been late in XXXX I notified management that I would be leaving the property because of my transfer as I am a XXXX XXXX, The manager on duty on time said that would be fine, He said I needed to clean unit, and hand in all keys, he stated, that, I would not receive any late fees, or incur any pentalities, I cleaned unit, and gave keys to manANGEMENGT, I asked him again would I owe any fees he stated I would not, because of the Cover relief bill I would not be charged any late fees, or have any broken lease fees, Under the COVID RELIEF BILL, I WAS AWARE I COUULD MOVE OUT OF THE UNIT AND NOTIFIED THEM THAT MY MILITARY UNIT WAS CLOSED AS WELL AND THAT I HAD A TRANSFER TO XXXX, THE MANAGER SAID IT WAS FINE, NO PROBLEM, IN XXXX I APPLIED FOR A APARTMNET AND WAS DENIED, BECAUSEA XXXX DEBT OR COLLECTION HAD BEEN ADDED TO MY CREDIT REPORT, I NEVER RECIVCED NOTIFICATION, EVER THE COMPANY HAS NO SIGNED LETTER, ALSO MANY CONSUMERS HAVE STATED THAT WE WERE ALL TOLD TO MOVE OUT AS WELL AS THE COMPANY SENT LETTERS AND TEXT ASKING US TO USE OUR STIMULUS CHECKS TO PAY OUR RENT, THEY ALOS SAID TO AVOID EVICTION COST TO MOVE OUT N LATE FEES TO MOVE OUT, AND TO NOTIFY THEM, THIS COMPANY HAS MANAgers that switch, and each one tells you a different thing, none of them known the truth, I'm a XXXX year old Army veteran and this is affecting my credit, I was denied the apart Im being charged and it was stated I would not be, I never ever received proof, I left the apartment in excellent condition, the manager at the time stated it was move in ready,
Product: Credit reporting or other personal consumer reports

Thursday, XX/XX/year> From : XXXX XXXX XXXX : XXXX To : XXXX XXXX XXXX Regarding : Unauthorized Collection Attempt Reference # : XXXX Original Creditor : XXXX Current Creditor : XXXX XXXX XXXX XXXX XXXX  Acct # : XXXX Balance Claimed : {$1200.00} LEGAL NOTICE & DEMAND FOR IMMEDIATE ACCOUNT CANCELLATION, DELETION FROM CREDIT REPORTS, AND NON-TRANSFER ORDER To Whom It May Concern, This letter serves as a formal legal demand and notice of violations under federal and state consumer protection laws, including but not limited to : The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 1692p The Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. 

Consumer Financial Protection Bureau ( CFPB ) regulations Truth in Lending Act ( TILA ) Federal Trade Commission Act ( FTC Act ) I, XXXX XXXX, formally dispute, challenge, and reject the alleged debt referenced above. I did not authorize any dispute, sale, assignment, transfer, or purchase of this debt at any time. I hereby assert that your collection activity and reporting are unauthorized and illegal. 

LEGAL GROUNDS FOR VIOLATION : FDCPA 807 ( 15 USC 1692e ) False or misleading representations : You are falsely representing the legal status of this debt, including its assignability and enforceability.

FDCPA 808 ( 15 USC 1692f ) Unfair practices : Attempting to collect a debt not properly validated and no longer legally enforceable.

FCRA 623 ( 15 USC 1681s-2 ) Responsibility of furnishers of information : You are furnishing inaccurate and outdated information to credit reporting agencies without a proper investigation.

FCRA 609 and 611 Right to dispute information and demand deletion : I formally dispute this account and demand its removal from all consumer reporting bureaus.

FDCPA 809 ( 15 USC 1692g ) Validation of debts : You have not provided sufficient validation of this debt as legally required. You are prohibited from further collection until such validation is provided.

TILA and FTC Act Deceptive or abusive financial practices : You are participating in deceptive trade practices by misrepresenting the nature and transfer of the debt.
Product: Credit reporting or other personal consumer reports

hello, good afternoon. I hope you are well.. I am writing to you because I just applied for a credit card with capital one and they rejected it because it says that my current credit score that you sent is XXXX as of XX/XX/2023 It seems unfair to me because my current credit score is XXXX in XXXX and XXXX in XXXX, due to the report that you made and sent incorrectly, my credit score was denied. Here I have the letter that the bank sent me saying that You sent a credit score that is not mine... I hope you can solve it because this query lowered my credit score and the card was rejected... I will be attentive.. thank you very much
Product: Checking or savings account

My name is XXXX XXXX XXXX XXXX : XXXX Address : XXXXXXXX XXXX  XXXX XXXX, XXXX ,  FL XXXX Bank account being closed XXXX Credit card still open : XXXX I have never had a banking relation with any bank and in fact I have a student credit card Opened with this company. For some reason I tried opening a checking account and it was closed 15 min afterwards. Ive tried to open an account again and it wont allow me to it says I can never open a checking or savings with them. This is very sanding because my entire family has a relationship with Chase and I wanted to keep that tradition. I feel discriminated for some reason. This bank is not allowing me to open up a bank account with them and I need to be allowed to be able to open up a bank account so I can proceed as a regular citizen and have a bank account and a relationship with Chase. Im not in XXXX systems or have ever had a relationship with Chase bank or any other bank to cause them to want to not open a checking account or savings account for me.
Product: Credit reporting

i review all XXXX credit scores on a weekly basis. On XXXX XXXX, I noticed my experian score dropped XXXX points to a XXXX and yet my XXXX and XXXX rose by 3-4 points each respectively. I called experian and spoke to 3 reps who passed me off to one another. All 3 reps could not tell me why my score dropped. The final rep was a supervisor, very nice, but she said this looked like a mistake and that I needed to send a copy of XXXX and XXXX reports to their dispute department, so i did. The dept responded back to me with some 'canned ' pre-written decline that all XXXX bureaus worked differently. I have spent almost 3 hours trying to resolve this. I have excellent credit and all I am asking for is fairness. Why would my score drop XXXX points on the Experian report yet rise XXXX pts on my other XXXX reports. Experian MUST provide a valid reason for this and as of now, they have not and it appears they are refusing to admit a mistake. 

Thank you for this wonderful service by the way.
Product: Checking or savings account

Fees There were fees for everything! I had my account for over 20 years with Regions. Then all these fees started, for everything from not enough money in my account, to direct deposit, I had to have my check direct deposit to avoid these fees! Then they started a fee of {$5.00} for everything! Every month I was calling about the {$5.00} they had changed me for no direct deposit!!! My check went in every month I got it! 
This is Regions Bank!!! I no longer have them because they continued to take {$5.00} every month for ( XXXX ), no direct deposit!!!! Now that is what they said! I got fed up because I had to call every time I got my bank statement!
Product: Checking or savings account

Since of XXXX XX/XX/2022 to about the beginning of XX/XX/2022, Chase closed my account that Ive had with them for almost about 7-8 years due to fraudulent activity. Ive tried to explain to them that the activity cause was not done my me and I had no knowledge of this incident. I had to find out the hard way as I was attempting to log in though the banking app through my mobile device and states that they placed my account on hold/freeze and in order to unlock the hold I had to call in to verify my account but instead they took it upon their power to instead close my account and I was no longer able to open an account with them in the future. This really upsets me because I trusted this bank for the longest and I had trust in them to help me since I devoted my time and patronage for years. Now its been rather difficult since Im in the process of moving and to apply for an apartment lease will ask for bank statements which I wont be able to prove my income.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I'm reaching out to request that you investigate a credit file that continues to linger on my credit report with XXXX and Equifax report. I have filed numerous disputes directly with credit reporting companies to remove XXXX, XXXX from my credit report/file. XXXX continually fails to provide sufficient documentation that I owe them the amount they claim. In addition, XXXX can't furnish proof that this is my account and continuously report on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), the action taken by XXXX XXXX, XXXX, and Equifax violates my consumer rights because the companies fail to provide proof or documentation that this is my account. I have provided sufficient evidence that this is not my account and filed multiple disputes directly with XXXX and Equifax. I am also in the process of filing a complaint with the XXXX  Attorney General 's Office. I have supplied proof of final payment and emails stating that I paid my last month 's rent on XX/XX/2021. I've attached proof of payment. 

Please advise because I am tired of being hassled by XXXX XXXX at XXXX, who has restricted anyone within the company from taking my calls and addressing my concern or filing disputes with the company. I have good credit, and this shouldn't be on my credit. 

Thanks in advance for your consideration and understanding.