23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XXXX XXXX and without warning, Navient has started charging me {$440.00} in addition to the {$130.00} that I have been paying while a student. After ringing the company, I have been told that the maximum in-school deferment has been reached for XXXX XXXX XXXX XXXX XXXX XXXX, which is why the sudden increase of my payments was made, though completely without warning and without my authorisation. I have been making regular payments of {$130.00} for many years and never been in default, so when a sudden and unexplained increased to my monthly automatic debit occurred, I reported the transaction fraudulent to my XXXX XXXX. Navient refunded the money, and we began working on my situation, which required me to submit several {$50.00} payments for additional months of deferment while processing my case. During the months that followed, I worked with Navient employee, XXXX XXXX, who sent me a financial worksheet to complete to identify options for lowering my payments while completing my research degree. I am a full-time student at the XXXX XXXX XXXX XXXX XXXX who receives a studentship for fees and accommodation, and supplements my limited income through 10hrs a week employment with XXXX XXXX XXXX ( a US owned company based globally ). Because I am a student in the XXXX, I am limited to 20hrs a week employment while studying. I can not manage my school load when working anything more than the 10hrs I received from XXXX. The feedback that I received from Navient was that there were no options available because my monthly income was too low and they requested that I borrow money from friends and family to make the monthly payments they are demanding. They would not consider my in school situation or make allowances for the strain full-time study places on me financially. I am at the end of the planned deferment allowance and in danger of this loan going into default. All my other student loans are in good standing and in-school deferred until I complete my course in XXXX XXXX. 

On XXXX XXXX, I was made aware that instead of keeping my student loans in IBR in XXXX, as I had intended to do to help alleviate the pressure of extending the student loan period included in the IBR, was set to in-school deferment in XXXX. At present, all my student loans that can be placed in in-school suspension are. I fear that this has cost me years of my loans placed in IBR, which I understand to have put me into a less fortunate situation. Please note this is an additional complaint to the XXXX XXXX XXXX
Product: Debt collection

i have recently pulled my credit report and notice that there is a collection listing from your agency. i have never been notified of this collection action or that i owed the debt. this letter is to inform you that i have the right to request a validation of this debt and your ability to collect this money from me. i ask that you prove that i am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. and i will inform you that at this time if your office have or continues to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX ) this action might constitute fraud under both federal and state laws.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I attempted to activate my XXXX XXXX XXXX on a different network but I was told by that company that my phone, that I've had for years was unable to work on their network because the phone was locked. I contacted XXXX XXXX XXXX  today via the XXXX XXXX XXXX Device Unlock Request online but was denied due to an unpaid balance. I am attaching a screenshot of the email to show such. Since, I have ported my existing number over from my most recent carrier to the new one, neither of which are XXXX XXXX XXXX I am now without a phone or means to communicate outside my home. The email did not show a balance so I pulled my credit report and it is showing a balance of {$830.00} under XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ). This account is showing as a Collection/Chargeoff. I have submitted a complaint against Experian and XXXX for this same account through CFPB and they both came back saying that the company verified this account so it remained on my credit report although it is very inaccurate. I have also attached a screenshot of my XXXX credit report to show the inaccuracies to include the date last active date, XXXX says XX/XX/XXXX, Experian says XX/XX/XXXX. The last reported date says XX/XX/XXXX and XX/XX/XXXX. The date opened says XX/XX/XXXX and XX/XX/XXXX. Lastly, it shows a balance of {$830.00} but being that this account was CHARGED OFF, and a charge off is considered a certificate of indebtedness which means it is income and must be removed and it has not is a direct violation of my rights as is the reporting of the inaccurate account on Experian and XXXX. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate and must be removed. In addition to these accounts being removed, my balance with XXXX XXXX XXXX needs to be corrected to paid in full. I want to reiterate that according to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. In addition to the removal of this account from my credit report, I need this phone, XXXX XXXX XXXXXXXX XXXX XXXX, to be unlocked for use. I am a XXXX mother and in need of means of communication. This has caused me severe undue hardship and stress. I just need my credit report remedied by THE DELETION OF THIS ACCOUNT ON BOTH XXXX AND EXPERIAN, XXXX XXXX XXXX to update their records to paid in full as it has been and my phone to be unlocked so I can feel safe with the ability to communicate and not worry about the negative impact this falsehood has on my credit report and personal credibility or I will pursue all monetary compensation allowed. I need this remedied within the next 24 hours. Thank you for your understanding and cooperation.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find incorrect accounts listed on my credit report. I cant understand how this could have happened. When I checked my report as I usually do, I was blindsided by discrepancies that werent there before. I tried refreshing the page, thinking it might be a browser issue, but the inaccurate accounts remained. This has really shaken me, and Im pleading for a thorough check of the documents Ive provided so I never have to deal with this stress again.
Product: Credit reporting or other personal consumer reports

FYI, I have written documentation from both Checkr and XXXX on this matter. Checkr is the company I have a complaint against. 

Original Issue : I had a background check request from XXXX to Checkr and had a typo on my XXXX in Checkr 's system. 

Escalated Matter of Concern ( Complaint ) : Checkr ( the company running the background check ) refused to allow me to correct this SSN number with them and kept stating that it had to be corrected with XXXX  even though the incorrect information is within Checkr 's system. 

XXXX kept telling me that Checkr is supposed to further assist. Checkr keeps saying their 'policy ' with XXXX does not allow for XXXX corrections. Checkr states XXXX must submit a completely new report request and XXXX refuses to do so. This is not in compliance with the Federal Credit Report Act ( FCRA ) on how background check corrections are to be handled. 

Checkr is also not even following the instructions on their help articles per my written documentation in comparison to this link : https : XXXX I am now unable to start work with XXXX because of Checkr 's noncompliance with the FCRA and they are impacting my job prospects due to a situation outside of my control. FYI, I have had another background check through Checkr with XXXX which did go through with the correct SSN in Checkr 's system. This shows that a correct background check would go through and the failure is on Checkr 's part to even review their own system information. 

This matter to me is serious as it involves noncompliance with legal regulations through the FCRA. If an external regulatory body can investigate Checkr, that would bring me relief as these past few weeks have been stressful due to the confusion, back-and-forth, and miscommunication.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation. 



Dear XXXX, I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash app ( block, inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Santander Consumer USA Auto loan in the Amount of {$12000.00} that part of the multimillion settlement. Auto loans from XX/XX/XXXX, XXXX XXXX Was supposed to settle by deleting loan balance off consumers credit report. Instead its reported as a charge off and sold to another company XXXX XXXX XXXX. When this account should no longer exist on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter of deletion and the closed account is stills remain on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account # XXXX, has violated my rights. XXXX XXXXXXXX Account # XXXX, has violated my rights. XXXX Account # XXXX, has violated my rights. XXXX Account # XXXX, has violated my rights. XXXX XXXX Account # XXXX, account 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Every month when I received my direct deposit my account was flagged as fraud. This month my husband had his unemployment sent to my account and received his first payment. The exact moment his second payment of the month hit my account the flagged it as fraud and closed my account keeping my husband 's {$1600.00}. They refuse to answer my questions about what happened and will not release my husband 's payment.
Product: Checking or savings account

When I have a problem I could never get a hold of a real person
Product: Credit reporting or other personal consumer reports

Kindly remove this to my credit report. This is causing me a lot of XXXX XXXX XXXX.
Product: Checking or savings account

I use chime to pay my rent and get my direct deposit from my job and online shopping. I started receiving emails about suspicious activity in my account but everyone I got look I had the same {$300.00} something in my account.then acouple days later get an email saying XXXX checks were declined so I go look into my account it was negative XXXX somthing so called an emailed after email just for them to say they cant do anything about it I even contacted their fraud department they said they couldnt find any suspicious activity then just last week they shut the account down
Product: Credit card or prepaid card

Tried to make a payment to my PNC Credit Card but for some reason the payment bounced even though i clearly had the money in my account and put in the account / routing in correctly and was charged a XXXX $ RETURNED CHECK CHG, so i called on their recorded line and they promised / said they remove the fee on the next statement because i was eligible for it but now a month forward there toxic reps are not helping me now even though every other bank company i have used in my 8 years of banking have always waved these fees quickly and smoothly when they have happened by mistake. 

PNC is being greedy and there customer service reps in there credit card department are toxic and are not helpful at all its really a hit or miss if you get a good one or bad one. 

This credit card belongs in the sock drawer since if you ever have problems they clearly don't have your back.
Product: Checking or savings account

In XXXX I opened a deposit account at XXXX XXXX XXXX for a year that was due to end in XX/XX/XXXX. Since then, the bank has not given me my money. They say I have to wait for the XXXX XXXX XXXX XXXX, Nebraska, to authorize the money they owe me. I go to the bank every day to ask what happened and they tell me I have to wait. They keep giving me false dates as they've told me I should get my money in 2 weeks multiple times and nothing has been sent. They have been telling me the same thing for months now. They have now persisted in replying to me for months now.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX and Experian is showing 8 late payments on my credit report. I contacted XXXX XXXX about the dates which they can not provide because. my account is in good standards. They can not have any dates of the late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor consent to the following inquiries being furnished on my consumer reportXXXX XXXX XXXX XXXX, XXXX XXXXl- 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, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all 3 bureaus- XXXX  , Equifax , XXXX  to have incorrect reporting information on my credit be investigated & removed. I have sent several letters dating as far back as XX/XX/2021. I recently spoke with rep for Equifax and was advised the address they have online is incorrect for me to submit my dispute letters and that they never received them and I should resend. Fine, this time I sent certified mail XX/XX/2021 my now 2nd letter to them to request a signature from someone, they signed for it and received it. Today, XX/XX/2021 I called back to Equifax and they are singing the same tune, lying that they have not received it when Cleary they signed for it. 

Same for XXXX, called them today XX/XX/2021 they claim to not have received my 2nd attempt to investigate and remove unauthorized incorrect information from my report. 

Called XXXX same, they are telling me they can't sat if they have or have not receive my dispute and I should call back another time. 

These bureaus have been giving me the run around since XX/XX/2021 and I have had it up to here with them!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have found several names and addresses on my credit report that do not belong to me. I have recently filed an FTC. My full name is XXXX XXXX XXXX and all variations of my name ARE NOT MINE. 
I found out my ID was stolen and someone has been using my name to open accounts, utilities, and mobile accounts. 
The following accounts are fraudulent : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  XXXX  SOC SEC # XXXX-XXXX-XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX RE : Unauthorized Credit Inquiry Dear Sir/Madam, This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : Inquiry details XXXX XXXX  XXXX   Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX, XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX, XXXX   Inquiry from XXXX  XXXX, 2016 + Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX  XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX, XXXX. XXXX Inquiry fromXX/XX/XXXX+ XXXX XXXX XXXX XXXX.

To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests.

Thank you.

Sincerely, XXXX, XXXX  XXXX  SOC SEC # XXXX-XXXX-XXXX DOB XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX, FL XXXX
Product: Checking or savings account

Wells Fargo was charging me and taking money from my account and when I called or went to the brand they wouldn't provide me with any information about why they were taking my money and charging me XXXX charges which my account was always in the negatives when I deposited every check and received direct deposit then Wells Fargo closed my account with a charged off negative balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit card

Goldman Sachs is doing incorrect math on how much credit I have for my card in XX/XX/XXXX. By XX/XX/XXXX, I paid {$1400.00} and I spent {$600.00}. On XX/XX/XXXX they downgraded my credit limit from {$1500.00} to {$800.00}. The system said that I had {$600.00} in card balance and I had {$190.00} available credit which is true that I had spent {$600.00} in XXXX however I paid a total of {$1400.00} and there's {$680.00} that is unaccounted for. There was one customer service rep who told me on around XX/XX/XXXX that I overpaid and I would have full limits and receive a check for anything I paid beyond the {$800.00} limit after my payment was applied on XX/XX/XXXX. The backend system made a mistake and when my payment was applied on XX/XX/XXXX, it incorrectly said that I have only {$190.00} when I should have had no limits and I was supposed to receive a check for {$79.00}. Here 's the original math done by the Goldman Sachs rep and this math checks out to me : {$1400.00} ( total paid for XXXX ) - {$600.00} ( total spent in XXXX as of XX/XX/XXXX ) - {$800.00} ( available credit limit that was supposed to be available to me on XX/XX/XXXX ) = {$79.00} ( credit overpayment check that would be sent to me ). Because Goldman Sachs is now doing incorrect math ( which I suspect is because their backend database isn't properly equipped to apply payments properly when a credit limit is downsized in the middle of a billing cycle ), here is the new formula of what happened : {$1400.00} ( total paid in XXXX ) - {$600.00} ( total spent in XXXX as of XXXX ) - {$190.00} ( available credit to me on XX/XX/XXXX ) = {$680.00} ( total amount that is unaccounted for ).
Product: Debt collection

was not aware of court proceeding. Was not served. Received letter of judgment and wage garnishment. contact midland funding LLC. they requested. Identity Theft Victim 's complaint and affidavit