23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/XXXX and XX/XX/XXXX, I have sent in excess of 4 certified letters and submitted several online disputes requesting that the credit reporting agency present validation of the bankruptcy listed on my report. Over the last 2+ years I have not received the requested information. My request is valid according to the FCRA and I should have received the requested documentation by this point. My credit report is continuously updated with the statement that the bankruptcy has been verified. 

The agency also has not provided the method of verification in accordance with Section 611 ( a ) ( 7 ) of the FCRA. XXXX is prohibited from reporting information concerning my file, so the agency could not have verified the bankruptcy this way. I have also attached documentation from the court that indicates they do not provide information to credit reporting agencies, so I am further befuddled as to the methodology employed to validate the bankruptcy. 

If this negative item is not removed I will be filing suit pursuant to Sections 616 and 617 of the FCRA to pursue remedy for the effects of this adverse reporting.
Product: Student loan

I called Navient on XX/XX/XXXX and took care of my loan that was going to get defaulted and put it on a interest reduction program. I also asked to take my work number off my account and told them I was not suppose to be getting calls there. Let them know about the response I got from CFPB and that they checked into my account and my work number was off. I asked because I received a phone call at work yesterday XX/XX/XXXX. 
I then called Navient recovery on XX/XX/XXXX and talked to them about the response back that I received from CFPB about making a {$250.00} a monthly payment and my account for the 2 loans that defulted. My manager was not in and they left a message and emailed what we talked about to my account manager. I got a call today XX/XX/XXXX from my account manager XXXX XXXX and said that they said they do not have anything noted down about doing a $ XXXX monthly payment. She stated yelling at me about how a another company is telling me what I can do and that does n't that tell you about trusting another company and that it 's not Navient and she got really angry and would n't give me anytime to talk. What can I do about this issue?
Product: Payday loan, title loan, or personal loan

I received a threatening phone call regarding a past debt ... payday loan ... from a XXXX XXXX on XX/XX/2021 who worked for a collection agency collecting on behalf of Ace Cash Express. Even after explaining that I filed a chapter XXXX bankruptcy and it went through he still insisted on harassing me. I have blocked several of his phone numbers.but he keeps calling. The last number he called me from was XXXX and another number of XXXX.
Product: Debt collection

I have zero dealt with XXXX which the staff XXXX has confirmed but failed to send me an email the XXXX  balance. I was completely shocked to find out that they had reported me to all CRAs with a fully paid XXXX  balance that was not past due. Their debt collector made no attempt to contact me and went straight to my credit report and reported for XXXX I did file a XXXX XXXX XXXX complaint ad this is the second time XXXX has made false statements to my Credit report. 
Regulation F under the FDCPA states that a debt collector can not report to the CRAs without first contacting the consumer. There was no contact attempts from XXXXXXXX debtor collector. 
The FCRA states that I have a legal right to an accurate credit report. Claiming that I owe them {$100.00} when my balance was XXXX was a scam by XXXX to get money from me that was not owed them. This is the second time they have done this. 
Although my balance was XXXX the XXXX administration has stated that medical debt can not be reported until it is past due for one year. I had no past due balance at all and yet XXXX reported the alleged debt. 
The Biden administration also stated that Medical debt under {$500.00} can not be reported at all. My balance was XXXX and even if the {$100.00} were accurate its still under {$500.00} Because of ongoing recklessness with TAUC I filed a XXXX XXXX XXXX  complaint in the past and was promised that the false reporting to my credit report will never happen again. It happened again. XXXX is also aware that Im XXXX and fighting a life-threatening illness and maliciously decided to report to my credit report falsely to try to get money out of me and bully me. I had to spend many hours trying to get the false report removed from my credit report. I also filed a dispute which was very difficult because XXXX XXXX promised to email me that my balance was XXXXXXXX but then refused to send me the information. She also promised me that I would be followed up with that day and I never was. 
XXXX is aware that I am XXXX XXXX  and battling a XXXX XXXX XXXX and decided to stress me greatly by making false statements to my credit reports. Their behavior is egregious and ongoing. XXXX has caused me damage. Is it extremely stressful to fight a false report on my credit report. I had to do it myself and it was made worse because their agent refused to send me an email stating that my balance was XXXX. They are bypassing the law and trying to get money out of people by making false statements on their credit report. I am demanding something to be done to help myself and to stop this ongoing behavior from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I looked on my consumer report I noticed some inquires that werent authorized. I have mailed out this letter attached with all the inquires that werent authorized. By 15 U.S.C 1681b ( c ) permissible purpose. Immediately remove these inquires as they have cause damage to my consumer file and has delayed in my family and I to obtain goods.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out multiple times explaining to trans union I as the consumer never gave consent to reporting any information according to 15 usc 1681 b ( 2 ) and explained that In addition to 15 usc 1681 b ( 2 ), 15 usc 1602 ( p ) trans unions reporting without my consent is considered unauthorized use of my credit card, social security number
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately, I had an account that was sent to collections due to a rental payment issue I encountered after being victim of identity theft. The company that account was assigned to is Fair Collections & Outsourcing ( FCO ). I spoke with them a few times and explained the circumstances that led to the account escalating. After a few conversations and significant time passing I let them know that I wanted to pay this item off to have it removed from my credit report because the XXXX Police Dept advised that there investigation could take years given the number of cases they have dealing with Identity Theft. 

Fair Collections & Outsourcing advised that the account in collections would be deleted from my credit report as an a collection when I made the payment so I proceeded forward with resolving the debt. Recently, I checked my report and I see that the item is still on my report and it has caused challenges for me to get an approval on a mortgage due to FCO 's miscommunication. I want this item deleted as promised when I first spoke to them. 

The account escalated in XX/XX/XXXX and was sent to FCO. I paid off the account with FCO on XX/XX/XXXX when the account was still in collection. XX/XX/XXXX was the date that the rep indicated the account would be deleted as a collection item on my credit when I made the payment to them per the settlement agreement.
Product: Credit card or prepaid card

Hello, I hope everything is well with you. 

The first week of XX/XX/XXXX, I had gotten in touch with Fifth Third Bank, I updated with them my bank accounts to make payments and had set up the Automatic Payment option. 
After hanging up the call I never worried about the account again, assuming everything was in order. 

This XX/XX/XXXX I checked my credit scores and came to find out that I had 3 missed payments! I couldn't believe it, I thought everything was alright. 

I had never received an email, text message or even a statement in the mail letting me know that this account was defaulting.
Product: Credit reporting

XXXX ... Fraudulent Charge on account in my name from several years ago at a rental property I own. Equifax has continuously rejected my request to delete.
Product: Vehicle loan or lease

This car has been totaled since XX/XX/2023. Yall have been constantly reporting late payments on my credit report since then that need to be removed. It is affecting my ability to obtain a mortgage.
Product: Student loan

Since XX/XX/XXXX thru XX/XX/XXXX, Navient has charged high interest rates despite the FEDERAL GOVERNMENT INTEREST RATES having decreased. I have documents for this time frame only, but I am also requesting that your office investigate for year XX/XX/XXXX and prior years. ( See attachments ) In XX/XX/XXXX, I contacted XXXX XXXX XXXX regarding their home equity loans. They provided with the following interest rates from XX/XX/XXXX thru XX/XX/XXXX. During this time frames the federal government interest rates dropped but Navient rates remained the same or increased. XXXX XXXX rates- XX/XX/XXXX thru XX/XX/XXXX- 4.5 % ; XX/XX/XXXX thru XX/XX/XXXX-4.75 % ; XX/XX/XXXX thru XX/XX/XXXX-5 % ; XX/XX/XXXX thru XX/XX/XXXX - 5.5 % ; XX/XX/XXXX- 5.25 %. Navient rates are WELL ABOVE the REDUCED FEDERAL GOVERNMENT RATES.

On XX/XX/XXXX, I called XXXX ( Navient employee- # XXXX ) and inquired why the interest rate was so high and higher than the federal government reduced rates due to economy. She said it was because they use the LIBOR formula for interest rates. I advised her their rates appear to be fraudulent and not in-compliance to reduced federal interest rates.

Also Navient has charged extremely high interest rates despite the REDUCED PRINCIPAL BALANCE-. EXAMPLE- XX/XX/XXXX statement- Unpaid principle- {$1000.00} with interest rate of 7.75 % ; XX/XX/XXXX-statement- Unpaid principle- {$970.00} with interest rate of 7.875 % ( see attachments )
Product: Credit card or prepaid card

XX/XX/XXXX a credit card through Syncrony was fraudulently opened in my name. On XX/XX/XXXX it showed on my credit report that approximately {$2500.00} was charged on the card which has a {$5000.00} limit.
Product: Credit card or prepaid card

This business refuses to upgrade or credit annual fees associated with its Platinum  Card membership despite my inability to utilize the card and its benefits amid the current climate.
Product: Checking or savings account

The Bank of America froze ALL of my bank accounts after receiving a temporary order in a divorce case, that is now final. They are still holding my money as frozen, and their legal department will never talk to me or even send me info on when the money will be returned. it appears they 'charged ' me for the legal hold as well and are trying to steal my money. the divorce is final and i need my money back, there is no reason that they should be holding it.
Also, the order that they were provided by my x-wife 's attorney stated clearly that they were only to put a hold onto XXXX account. They went and took money from ALL my accounts including my son 's college account that was his money he was using the account. This was not ordered by the court, Bank of America just did this on their own.
Product: Debt collection

I have been contacted regarding an account for a debt that is not mine by XXXX, representing Jefferson Capital for an account associated with XXXX. This account is not mine. When I informed the representatives that the debt was not valid and in the process of repeated attempts to get verification of the debt, XXXX/ Jefferson Capital committed the following violations of fair debt collection practices : 1. Representatives from Jefferson Capital, XXXX, or XXXX contacting my family members ( I am assuming you got this information from social media ) attempting to reach " XXXX regarding a business matter '' for a debt that is over XXXX XXXX XXXX. - When I returned their call with my daughter, a lawyer, on line and she requested verification of the debt and an end to the calls, we were given a fake name for the person they were looking for regarding this account ( XXXX ). 

2. Calls to my cell phone regarding this account where, after I denied the account was valid, I was told that they would serve me papers at work, at home, " or wherever '' by the district court which was an implicit threat to sue me on a debt that is not only not mine, but well past the statute of limitations for debt collection lawsuits. 

3. Representatives from XXXX repeatedly refusing to provide account information to my authorized legal representative despite my giving verbal authorization for such communication and be being on the phone line during the conversation. - XXXX also repeatedly denied being in possession of the account to my authorized legal representative despite sending me requests for payments. - Requests for verification of this debt were repeatedly denied to my authorized legal representative with XXXX insisting they did not have the account despite having sent me a bill and attempting to call me regarding this account that same day! 

4. Reporting of a debt that is over XXXX XXXX XXXX to the credit bureaus. - This needs to be removed immediately as this is not a valid debt. - This needs to be removed immediately as this debt is over XXXX XXXX XXXX. 
These issues will be reported to the consumer finance protection bureau. Any further
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX
Product: Checking or savings account

I had contacted PNC Customer Service via telephone on XX/XX/2021 about incorrect charges being placed on one of my accounts, monthly. The customer service rep acknowledged that the $ XXXXmonth charge was incorrect and refunded the fees. Even though there is a minimum balance required, since I have multiple accounts at PNC that are all linked, the aggregate balance should have exempted all my accounts from the monthly service charge. Hence the customer service rep refunded {$130.00} for 12 months of incorrect fees ( the maximum he could do, even though the service charges dated further back ). He further stated that this will be fixed and I should not be charged this service fee in the future. This was on XX/XX/XXXX. 

I wrote a letter to PNC on XX/XX/XXXX stating that the fix still had not been applied to my account. I have been incorrectly charged $ XXXX/month since XXXX. As of today ( XX/XX/XXXX ), PNC has yet to fix this issue. They continue to incorrectly charge my account $ XXXX/month.
Product: Credit card or prepaid card

Bank closed my credit card account due to listing multiple charges as fraud. Even for the transactions I listed as fraud, they havent given me money back for it. They are two charges for XXXX XXXXl for {$100.00} and {$42.00}, and the rest of the chargers are from XX/XX/2022 onwards.
Product: Debt collection

I requested the proof of the charge off, 1099c form, from the creditor Chrysler capital. The credit bureau can not report taxable income. 
account is the Chryler capital # XXXX account has no proof showing that the account is suppose to be in charge off status. I never missed any payments and if so please send me the 1099 c form and remove this collected debt from my credit report. 
Law 15 US c1681e
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


15 U.S.C. 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

I was ripped of by a shady mechanic and contested the charges under workmanship. Ace rewards reversed the charges at first. They did nothing for over a month even though I called and asked what I need to do. Then a day or so before XXXX they contacted me and said I had to have paperwork from an independent mechanic by the following Monday. Almost impossible to do but I did it. Then they contact me and tell me that I ca n't claim the full {$1200.00} charge that they have a policy that if I do n't somehow reduce my claim to below the original charge, that they will not process it. They strong armed me and reduced it by {$150.00} over my objections. No reason for doing so except it was their policy. Then a few days before XXXX they demanded more paperwork from the third party mechanic and wanted it by the following Monday or they would deny the claim. I paid the mechanic to do a pressure test on the engine for proof that the head gasket job was defective and got them the paperwork they required even on such short notice again. Then they deny the claim because the mechanic had written it on his invoice form and signed it. They said that I had 24 hours to get the mechanic to write it on his letterhead instead. It was impossible to do since the mechanics shop did n't have letterhead only printed invoice and quote stationary. Then after complaining to them, they denied the claim under incorrect billing criteria instead of the workmanship criteria. They pretty much told me to pound sand that there was nothing I could do about it short of find another mechanic shop that had letterhead and start over with them, pay them and get that info to them within XXXX weeks. All the mechanics I contacted did not use letterhead. They also just used invoices and could not provide an estimate and statement within that time frame. 

XXXX XXXX/US Bank did everything they could to prevent me from filing the claim. I do n't even think they submitted it to visa at all. As a result, we have been without the vehicle that does n't even run after repair, for over XXXX months now. Due to the damages that have resulted from the actions of XXXX XXXX/US Bank not processing the claim properly and with no intent to follow their own policies, I will be stopping any further payments on the account until we can go to court and have a judge settle it. I imagine the damages from the negative credit reporting will start accumulating as well.
Product: Credit card

Pay Pal put a TRICK credit card authorization in the middle a routine ebay transaction and opened a credit card account that I did n't want or even know I approved. They wo n't close it or take it off my Pay Pal Account.
Product: Vehicle loan or lease

I called them and told them every month it says I owe XXXX $ I asked them to please make my account reflect the amount I actually owe because I need to be able to see my bills every month and having XXXX $ listed as what I owe is confusing unless of course I actually owe them nothing. 
I contacts them about this in XXXX and in XXXX and they havent fixed it. This month it says I owe {$40.00} when clearly I owe more than that.
Product: Checking or savings account

I recently filed a dispute with Chime Financial on XX/XX/XXXX in regards to XXXX unauthorized transactions from XX/XX/XXXX - XXXX. 

With the dispute ID of XXXX Chime denied my disputes after 10 days on XX/XX/XXXX. 

I got 3 emails from Chime : The first was in the amount of XXXX which Chime said no error was found and DENIED The 2nd was in the amount of XXXX Chime also claimed no error was found, DENIED. 
The 3rd email was in the amount of XXXX it says MERCHANT Error so they ACCEPTED The Fraudulent transactions began on XX/XX/XXXX but I never received any notifications from Chime until XX/XX/XXXX. 
I authorized 2 transactions thinking it was something on my end. 
Chime continued sending me fraud alerts up until XX/XX/XXXX and I DENIED ALL OF IT but the transactions was still going through. 
Chime was also approving transactions to go through that had unavailable funds. 

I called Chime a few days on XX/XX/XXXX to follow up with my disputes and a customer representative told me my disputes and being looked and assured me that my dispute will be approved and I will receive my provisional credits, al I need to do is wait After receiving the DENIED I immediately called Chime and was put on hold and after a few minutes the call was hung-up. 

I called Chime back and a dispute representative reopened my dispute. 
I uploaded my screenshots of the fraud alerts and me denying the transactions along with Chime authorizing transactions that had no funds..
Product: Debt collection

when i first saw this collection on all 3 of my reports for jefferson capital systems ( XXXX XXXX ) XXXX for amount of XXXX dollars- i sent out a debt validation letter to jefferson capital systems in XXXX XXXX never got a response back from them, i disputed this multiple times to all 3 credit bureaus and it came back verifed how can that be when they wouldnt validate this debt. still to this day i have not heard back from jefferson capital for validation. THEY NEED TO DELETE THIS COLLECTION from all 3 my credit report IMMMEDIATELY.