23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Sometime in XXXX, there were 2 tradelines that negatively appeared on my credit bureaus with XXXX, XXXX  and XXXX. Both were for a creditor named XXXX XXXX with one alleged debt totaling {$5400.00} and the other one totaling {$1200.00}. This was after a Bankruptcy filing. I disputed the negative and inaccurate tradelines and the credit bureaus. They claimed to have verified the debts without provided the method used. So i reached out to Portfolio Recovery Associates LLC and requested full validation of the 2 debts in accordance with FDCPA laws. I never got any response. However the erroneous reporting to the 3 major bureaus continues to damage my credit and hinder me from establishing new credit and secure a vehicle loan and a place to live. I decided to dispute the tradelines again via the 3 credit bureaus. After sometime had passed they were once again verified ony by the credit bureaus and would remain on my credit reports. I then finally received a copy of only a front page of a bill only showing company and amount. There was not full validation of the debt or proof of debt by Portfolio Recovery Associates LLC to inlclude the detailed accounting of how the alleged balances were computed. By them not providing full proof of debt, they are in violation of FDCPA laws and therefore must remove any and all negative reporting to the 3 major credit bureaus otherwise they may be held in violation of FDCPA laws and become susceptible to being sued in a court of law for damaging my credit by reporting false information. As of today, XX/XX/XXXX, I have sent another correspondence to them demanding for removal of the negative reporting from all 3 credit bureaus immediately. They are illegally damaging my credit and ability to obtain housing. I have attached the correspondence that was mailed out to their address on file.
Product: Debt collection

My student loan, handled by Navient, was eligible for deferment as I am still in school ; the loan was in deferment while I took courses at my local XXXX college, but was abruptly ended when I was entering my 2nd year. I attempted to dispute this, as I should still be eligible for deferment ( my enrollment status never went below half ). The previous term, my deferment status was re-established, but not before I was given a monthly payment charge on my account ( on XX/XX/XXXX, for {$52.00} ). 

It appears that this month ( XX/XX/XXXX ), they will attempt to do the same thing again with the same amount ( as I am without a job, I have no money with which to pay my previous " late '' charge and upcoming charge, as I have told the company representative who called me through the unlisted number ). My enrollment information is collected through XXXX XXXX XXXX and the National Student Loan Data System. While I am not privy to the information on the XXXX XXXX site, I can see that my enrollment status for this quarter ( on the NSLDS ) is Full-Time, but my emails and my responses to their calls have shown no action on their part that shows recognition of my eligibility for deferment. I thought at first that I was no longer eligible for deferment, but according to their site, I should still be eligible. 

The main problem I have with all of this is this sentence at the bottom of their page regarding in school deferment requests : " Note that it can take up to 21 days to display your account in a deferred status. However, you wont incur any penalties as a result of this delay. '' As I know my enrollment information is available to them ( through at least one source ), I feel that it is very fishy that they would remove my deferment status, let a charge through, and then reinstate it just to remove it again during the same quarter where I am registered as full time. 

The phone number they have used to contact me with ( XXXX ) XXXX, is not listed on their site ( multiple people online have confirmed it as one they use for debt collection contact ). While I have no recording confirming this as fact, they asked for my social security number ( most likely for identification purposes ), and then asked if I could pay my debt over the phone, offering credit and debit cards as an option. However, besides the dubiousness of offering my credit/debit card information to someone over the phone, I am required ( on the Navient site ) to give my bank account in order to pay my debt ( give them checking/routing numbers, etc. ) and after looking online, found that apparently Navient only takes payments through cards over the phone.
Product: Credit card or prepaid card

We are military. This has gone on through one move. 
XX/XX/XXXX bought furniture paid in full while living in XXXX, XXXX. 
XX/XX/XXXX furniture delivered in XXXX, XXXX XX/XX/XXXX notified merchant furniture was damaged - XXXX, XXXX XX/XX/XXXX independent furniture repair co. ( XXXX ) hired by merchant evaluate the furniture and deemed it damaged not delivered as agreed- XXXX , XXXX XX/XX/XXXX second independent furniture repair co. ( XXXX ) hired by merchant evaluated the furniture and deemed it damaged not delivered as agreed- XXXX, XXXX XX/XX/XXXX - Merchant offered to re-order and deliver. In good faith we accepted re-order and delivery XX/XX/XXXX - New delivery damaged once again by delivery crew, so we refused delivery. Did not pick up old furniture because crew did not have " orders '' to do so. - XXXX, XXXX XXXX XX/XX/XXXX - Merchant agrees to have old furniture picked up and apologizes for confusion - XXXX, XXXX XXXX XX/XX/XXXX notified merchant in writing that we wanted a refund, nothing else. Merchant said they would not give us refund, we would have to take old broken furniture and pay for delivery since we had refused it. - XXXX, XXXX XXXX XX/XX/XXXX Merchant called to notify us that furniture was back in their possession. 
XX/XX/XXXX sent another email asking for refund and pick up of their broken furniture XX/XX/XXXX filed dispute with USAA credit card, that per XXXX the goods were not delivered as agreed upon. 
XX/XX/XXXX USAA denied dispute stating that the merchant is willing to work with us ( this is not true ) XX/XX/XXXX elevated dispute with USAA. 
XX/XX/XXXX USAA request we contract a furniture expert to evaluate furniture in order to re-open and address our credit card dispute XX/XX/XXXX for {$150.00} XXXX rep came to our home to examine furniture and give us a written report confirming that furniture was not delivered as agreed to and that it is indeed broken XX/XX/XXXX USAA once again denied our dispute because the merchant is willing to work with us. We explained again that what the merchant wants us to pay THEM {$770.00} to pick up their damaged furniture and they will refund the rest of the money. They NEVER put this in writing, it is all verbal.
Product: Credit reporting

Confusion with me and my fathers XXXX bill because we have the same name.
Product: Checking or savings account

I am an XXXX. I won {$1000.00} from Bank of America for improperly charging fees. I think this is a bigger more widespread problem than just what my client  had. 

To learn more, please read my attached memo. 

Then maybe we can work together to fix things. 

- XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX Texas let someone who was not me withdraw {$7100.00} out of my personal checking account with NetSpend. I have fought NetSpend ever since and now they are saying that the deactivation and activation of the cards used that morning was completed on my current phone. This is lies and not true at all. The lady who works at XXXX XXXX XXXX knows that I did not come into that store that morning. I have people who are home with me that knows I was asleep when these transactions happened. Now NetSpend will not help me get my money back.
Product: Checking or savings account

In XXXX I financed a vehicle through Navy Federal Credit Union. When first financing I originally went through a dealership that over charges, went through another dealership they returned the vehicle on my behalf and we switched the loan to the XXXX XXXX that I went on to own and pay off by XXXX. In the very beginning I did have an entire pay period garnished from my account. Fast forward XX/XX/XXXX, I found a letter in my lock box from Navy Federal that I had assumed was a closing statement or some sort of advertisement ( junk ), as it was dated XXXX almost a year after my wife and I paid the loan off and closed the account in XXXX. I was so happy to be done and over dealing with Navy Federal as my XXXX loan ended up costing roughly XXXX. 
Inside what would have been a normal statement Navy Federal envelope was a check for {$2200.00}, along with a letter explaining what it was for. Take note this check did not have a cash by date.

I reached out to Navy Federal via chat and call, as I reside in a state with no Navy Federal branches. They suggested to reopen my checking account and deposit the check via partner atm and there should be no issue especially since there is not an expiration date. The deposit was denied. I reached back out and they said to go ahead and deposit via mobile deposit. Again denied. They then said to mail the return copy check from the deposit to them directly. They sent the copy back with a memo non negotiable. Navy Federal will not reissue the funds nor make anything right. Of course before stating this entire process I did look up what the letter said. During the time of receiving the actual check Navy Federal has been sued and had to settle. This check was the settlement money. I along with many others were ordered to be paid. I had no idea this was going on at that time. That letter was the only letter recieve and it came via normal mail. There was no other forms of communication, it was never reported anywhere that I can find as unclaimed funds.

I now feel as though I may not be the only person that this happened to. 
I am curious out of the XXXX XXXX settlement how much was actually paid out.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX bureau consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - tied up to open accounXXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$450.00} XXXX XXXX XXXX Balance Owed : {$600.00} XXXXXXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$330.00} XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting

ACCOUNT XXXX/XXXXACCOUNT ACTUALLY OPENED NOT IN XXXX OR XXXX, BUT IN XXXX. 
XXXX is trying to re-age the debt, even though it was discharged in a Chapter XXXX bankruptcy petition. This is a practice highly scrutinized by the Federal Trade Commission. 
The credit bureaus have not done a proper reinvestigation on this credit trade line. All XXXX credit bureaus have a different start date, initial first late start date and end date. 
The account is over XXXX months since its first late payment, and must be deleted under the Fair Credit Reporting Act 7-year rule. 
I REQUEST A FULL REINVESTIGATION TO CLARIFY MY STATEMENT THAT THIS TRADE LINE HAS OUTLIVED THE 7-YEAR MANDATE FOR REPORTING OF NEGATIVE INFORMATION!!!
Product: Credit card or prepaid card

In XXXX of 2019 Citizens Bank put a late payment on my account.This was an automatic pay issue. Although Automatic payment was set up payment did not go through. I thought the issue was solved until i noticed my XXXX XXXX notification. I tried speaking with supervisor but were not able to help. This was not my fault but I was held liable for a computing error. It is the only payment from all of my cards that I have ever made payments " late ''
Product: Credit reporting or other personal consumer reports

I've recently Received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. these remarks have been detrimental to my life and credit health.
Product: Credit card

I had a XXXX balance for several months, was issued the card XXXX years ago ; I inquired about the promotion they kept sending e-mails and mail about. I also asked to apply for a lower XXXX since my credit is great and I'd never been late on a payment. They said you need to use the convenience check-without explaining a XXXX % fee to utilize the promotion. I originally used the promotion when I bought a refrigerator from XXXX in 2014 or earlier, there were no fees. I just made the check on Tuesday XX/XX/XXXX for a XXXX bill. Today I checked my account to see when a payment would be due, well payment due on XXXX XXXX with the added XXXX % on my balance. I called them a third time to try and clear this issue, no way and no reduction of interest rate-currently XXXX % when my credit score is XXXX. 
I told them these were unfair financial practices since they advised me to use the check without explanation of fees in order to utilize promotion. I told them I wanted to cancel because I have cards with lower rates or XXXX  % on a XXXX or XXXX bill. I don't think I owe them XXXX  %. By the way it's a Citibank Mastercard.
Product: Consumer Loan

I have bee making my payments I usually always pay over the regular contracted amount I always call my payment in over the phone and speak with XXXX of the XXXX girls that work there and by paying over the contracted amount they always tell me you are paid ahead and do n't have to make a payment next month so when I called this month because I could n't remember the due date I was told I was due more than my regular contracted payment and I asked how can that be when I always pay over the contracted amount and you guys always tell me I 'm paid ahead and do n't have to make a payment next month XXXX just told me I have n't paid enough and I did n't understand what she was saying so I called back to speak with the manager but she was out so a guy that was helping out in the office for the day explain to me even if you are paid ahead you still have to make a payment ever month or late charges will be charged also interest will be charge and I asked him why was n't this explained to me at the closing of the loan and why every month when I call in to make a payment they tell me I 'm not even due a full payment and paid ahead when all along they just did this so they could charge me extra the gentlemen then told me they should have disclosed that to you I asked to speak with XXXX again and I asked her if she would mail me a copy of my payment history and she said she could not I asked if there is anyone else I could talk to and she said she would ask her supervisor she called me back and said her supervisor said she could not mail me a copy of my payment history
Product: Checking or savings account

During XXXX I had several fraudulent XXXX transactions that I reported to USAA, they refused to red flag the accounts that were doing the XXXX fraud , refused to reimburse my funds that were defrauded from me, and restricted my XXXX use after I was defrauded.
Product: Checking or savings account

The following accounts I did not authorize them to be opened, and would like them removed from my XXXX XXXX consumer report. I have disputed them previously, and would like validation of the ownership if they can not be removed. Also, Navy Federal will need to provide its verification process, in detail, as well ; rather than just responding with unsupported statements. 

Navy Federal Credit Union Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022 complaint number # XXXX I have asked Experian to conduct and investigation into my credit file today is XX/XX/2022 it has been past the 30 days allowed by law. The company has not done its due diligence in completing their investigation in the appropriate time allowed by law. In accordance with the Fair Credit Reporting act XXXX  account # 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 15 U.S.C S 1681 E A. States every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 605 s 1681c to limit the furnishing of consumer reports to the purposes listed under section 604 ( s 1681b ) The only company to comply with the law has been XXXX. Experian has attempted to use 3rd party companies to verify data on me example XXXXXXXX XXXX. They have failed to comply with the laws that protect my consume rights endowed to me by the federal government listed in the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting you this CFPB Complaint to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX : {$330.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Please check the Payment History information of this account. The late history shouldn't be showing lates because I believe I paid on time. Please adjust the late payments from this account. I am not late on this account. Get it right immediately ; evaluate this reporting by revising the information provided. Modify and perform any corrections and update this from my file. 
XXXX XXXX XXXX Balance Owed : {$9500.00} - XXXX believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX Past Due Amount : {$6000.00} Dispute XXXX XXXX XXXX Past Due Amount : {$1900.00} Dispute XXXX XXXX XXXX Past Due Amount : {$1700.00} Dispute TAKING MORE THAN 30 DAYS ADDDING IT BACK ON AS ANOTHER COMPANY
Product: Checking or savings account

I maintained an account with Wells Fargo for the past XXXX or XXXX  years and while banking with them I experienced numerous overdraft fees and each time that I reached out to them they could not explain the excessive overdraft fees. I would like to speak to someone to see if I can be compensated for all the excessive fees that I paid.
Product: Credit reporting or other personal consumer reports

When reviewing my credit reports from the three bureau 's. i discovered some instances of late payments for an account for which i have made on time payments very consistently. Credit reporting play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with the utmost accuracy. I have never missed a payment on the following the following account guild mortgage. I request a thorough investigation into discrepancies and urge to provide evidence, such as statements, demonstrating the lateness of these payments. If you are unable to furnish such proof, i demand that these payments be promptly be updated to reflect their true status as on-time and paid in full, as i have consistently upheld my payment obligations without delay.
Product: Credit card

CITI closed my account on XX/XX/XXXX without notifying me, and for forfeit my XXXX Thankyou points. When I called them in XXXX and received the formal notification of " your account has been closed '' on XX/XX/XXXX, they said no points can be recovered. 

1. my credit card account is closed by CITI , without any reason mentioned in letter / direct fault on my end. ( Maybe not frequently used, but it is not the users ' fault ) 2. it is their responsibility to successfully inform me that the account is closed and only 90 days are valid for my thankyou points. I used a paper-free statement and do not received the notification on XXXX. 

XXXX. I got the notification letter on XX/XX/XXXX ( sent on XX/XX/XXXXXXXX XXXX XXXX XXXX  as attached, and asked me to call them. The answer is that they already forfeited all of my thankyou points.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days. 

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

Like many Americans I was severely affected by XXXX. I settled an account and paid as agreed with Synchrony Bank Pay Pal Credit on XXXX XXXX company sent me an acknowledgment of settlement on XXXX XXXX. The company went on to report late payments after the account was settled and paid as agreed until XX/XX/2020. When I contacted them they refused to correct the error and on XXXX XXXX a representative threatened to report the remaining balance as a charge off. Even though they offered the settlement and I accepted, the account was never charged off or sent to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I wrote to XXXX XXXX XXXX in regards to my auto loan being reported as late for XX/XX/2022 as all three ( 3 ) credit bureaus show it was late. On XX/XX/2022 XXXX XXXX XXXX sent me a letter stating that based upon their research they are not reporting any delinquency for XX/XX/2022. I want this negative reporting removed from all three ( 3 ) credit bureaus immediately as it is inaccurately reported on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$16000.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2000.00}, XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$4000.00} ), XXXX XXXX XXXX ( Account Number XXXX, Date Opened XXXX XXXX, XXXX, High Balance {$76.00} )XXXX XXXX XXXX XXXX. ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$0.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information Under 15 U.S. Code 1681 To Whom It May Concern : I am writing to formally dispute inaccurate information that is currently listed on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, which grants me the right to dispute incomplete or inaccurate information with the consumer reporting agency
Product: Credit reporting or other personal consumer reports

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts information reporting to my credit report these remarks have impacted severely detrimental to my life and credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

Always Directed to a voice-mail through automated system and Employees in non complaint services like sales.