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

In accordance with the Fair Credit Reporting act. The list of account XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality, XXXX XXXX XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. XXXX XXXX XXXX has sold this alleged debt to XXXX XXXX XXXX XXXX I did not give written consent nor was I notified of this sale on this alleged debt.. 

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 reporting, credit repair services, or other personal consumer reports

I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is of a derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. I will expect you to notify me the results of your investigation within five ( 5 ) business days from the completion of your investigation. In addition, I will expect you to complete your investigation within thirty ( 30 ) days from the date you receive this dispute or the item being disputed will be unverifiable. 

The items that appear on my credit report as : 1. ACCT. NAME : XXXX XXXX XXXX - This account was charged off listed with wrong balance please delete. 

2. ACCT. NAME : XXXX XXXX XXXX - These 2 accounts were charged off and listed with wrong balance please delete. 

3. ACCT. NAME : XXXX XXXX - This account was charged off listed with wrong balance please delete.
Product: Credit card

I checked my credit on XXXX to for the first time see that my account was closed. 
I went into my verified email XXXX and did not find ANY indication or notification that this was completed. 

I spoke to XXXX XXXX a XXXX in the accounts team, he did not give me an employee ID number- but he gave his last name, he said that what more than likely happened is that someone used my information to close it and that all he could do is put a note on the backend of the account which I told him was completely unacceptable. 

I received NO notification that this was closed by email nor mail and then when I call to tell them that i did NOT authorize this, they hit me with the we can only reinstate within XXXX hours of it closing ' which passed - they told me this was closed on the XX/XX/24. 

I spoke to another manager, XXXX ( wouldn't provide last name ) - just told me that they don't need authorization of both card holders to close the account ... but the first agent said that they need both primary card holders authorization to close the account. 

They stated that there was ability to file this as fraud .... 
I need help this is terrible! 

XXXX also advised that there is an internal system called the Adverse Action where they can file disputes but they told me that it was DOWN right now. That is was unavailable, can not use at the moment... but i could call back in XXXX hours and use it? She told me that this wasn't an available option? She then HUNG up on me.
Product: Credit reporting or other personal consumer reports

My credit was checked because I was applying for a home loan. I was told that I had a student loan of {$860.00}. And also a debt of {$600.00} from XXXX XXXX in which I knew nothing about. On.XXXX I called XXXX XXXX XXXX to see if I can set up a payment for the debt in question. I was informed that they could not find any debt Previously or presentlyin their records. Pn XX/XX/25 I looked up my own credit, I also saw the debt and found the 3rd party in which the so-called debt was sold to called Conserve. I spoke with a representative. She went back-and-forth with me about this debt and I was trying to explain to her that I spoke with someone at the college, and they insisted that there was not a debt owed by me. The representative from the college also stated that they could call them and they would tell them that its not a balance in my name. The agent I spoke with from conserve was not trying to give any information as to how to fix this she was just trying to collect money that the college said I didnt even owe in the first place. The conversation ended with her not listening, being rude and hanging up in my face. I then called XXXX XXXX and their idea of fixing the issue was to pay them {$140.00} a month to correct something that shouldnt even be on my credit in the first place, which was crazy to me if there is no debt why am I paying you {$140.00} to correct something that shouldnt be on my credit in the first place along with the other {$600.00} debt. He kept repeating about the {$140.00} until finally I told him thank you but no thank you because that was unfair. He was doing a plug to get the {$140.00} more than trying to help me with figuring out where the issue came from in the first place. On the 2nd debt of {$600.00} I have no recollection of owing any money to XXXX  XXXXXXXX XXXX. So I tried to call that third-party and I ask about a 1099C form because I saw that it was a charge off and that person act like they were unaware of what I was speaking of.
Product: Credit reporting

I can not get in touch with a human to express my problem. Out of frustration I am filing a complaint about the XXXX credit reporting agencies. I have several creditors showing up as bad debt and they have been closed for over XXXX years. This situation is really messing me up at repairing my credit.
Product: Mortgage

I am requesting Specialized Loan Servicing to re/send XXXX Documentation for Application # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HAS KNOWINGLY AND INTENTIONALLY OVERSTATED my past due balances as {$82000.00} when infact that was less. 

I have since made payments of over {$21000.00}, yet funds are sitting in UNAPPLIED UNIDENTIFIED. 

Correct intentional misapplication of funds For months I have been requesting the accurate balances and I still have not received it. 

I am requesting Specialized Loan Servicing to re/send XXXX Documentation for Application # XXXX XXXX XXXX XXXX XXXX XXXX so we can pay and close this case.
Product: Debt collection

On XXXX XXXX, XX/XX/2015 I filed a complaint against Enhanced Recovery Company , LLC with CFBP case No. XXXX and they submitted a letter Via E-mail to CFBP on XXXX XXXX, XX/XX/2015 in response to my complaint and promised to request a deletion of the collection they placed on all XXXX major Credit Bureau 's from my credit Bureau Reports. 
As of today, XXXX XXXX, XX/XX/2015 Enhanced Recovery Company , LLC have not request a deletion on any of the XXXX major Credit Bureaus ( XXXX ) this action might constitute fraud under both Federal and State Laws. On XXXX XXXX, XX/XX/2015 as a response to my complaint your Agency made the following statement : " In an effort to resolve XXXX XXXX ' concerns, our agency has submitted a deletion request with all credit reporting agencies associated with the account and our office on XXXX XXXX, XX/XX/2015 Please allow up to XXXX days for the credit reporting agencies to process our request. Our agency will have no further contact with XXXX XXXX regarding this account. In order to make our client aware of XXXX XXXX ' concerns, our agency will forward this complaint to our client XXXX XXXX ''. 

Also as of today your Agency are unable to provide the proper documentation as requested in the following Declaration. 
Copies of the original application for this account Signatures associated with this account Billing statements associated with this account Any payment history associated with this accountDue to this fact negative mark is found on my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character I am requesting Enhanced Recovery Company , LLC collection to immediately remove all negative remarks of all XXXX major Credit Bureaus and cease any collection activity for failure to validate this debt as promised in the letter forwarded to CFBP and if not I will consult with my legal counsel for suit.
Product: Student loan

Hello, I need help and am unable to obtain concrete and actional information from Studentaid.gov or my loan servicer, Navient. 

This is the information I need to know it is regarding the announcement here : https : //studentaid.gov/announcements-events/idr-account-adjustment Navient services the following types of loans for me : - FFELP Stafford Unsubsidized - FFELP Stafford Subsidized - FFELP Graduate Plus - Direct Graduate Plus - Direct Subsidized I am trying to understand : - Which of the above loan types are eligible for the direct consolidation referenced in the IDR Account Adjustment news release, such that if they are consolidated, I will not lose credit for the prior payments made on these loans, when it comes to the 20-year loan forgiveness schedule? 
Because the announcement references FFEL loans generally, I can not determine whether and which loans serviced by Navient qualify for consolidation into Direct loans, such that for purposes of loan forgiveness, I do not lose the number of historical qualifying payments. 

When I called Studentaid.gov, I was told to call Navient. I did. Navient told me to submit the question vie email. I did. Their response states, unhelpfully and confusingly, Your Navient held FFEL loans do not qualify ; however, you may consolidate through the Direct Consolidation Loan program to become eligible. 

I sent a request for clarification to Navient, but have not yet received a response. 

Given that failure to consolidate FFEL loans may result in my inability to take advantage of the benefits in the press release referenced above, and given that consolidation of the incorrect type of loans may result in my losing the number of prior qualifying payments ( 10 plus years of repayment in my situation ) for purposes of loan forgiveness, it is very important that I receive accurate information. It is a damned if you, damned if you do not situation created by not being able to obtain accurate and specific information.

I want to consolidate my Navient serviced loans into direct loans, but only if the consolidation will not reset the number of qualifying payments for purposes of loan forgiveness to zero.

I can not obtain clarifying information from either Studentaid.gov or Navient. Without clarifying information, I am not able to make an informed decision regarding whether to consolidate my loans, because I do not know if my loan types are eligible for the benefits referenced in the press release. 

Thank you. XXXX
Product: Checking or savings account

I had filed a complaint on XX/XX/2021 about " Direct Account Management '' and had requested that they had no further access to my bank account information, preventing any withdrawals from my checking account. To further note, the CFPB had agreed to my requests of action to be taken. Additionally, " Direct Account Management '' sent a confirmation that I would be removed from their program, thus not having to make any payments to this institution. 

I was to be charged {$200.00} on XX/XX/2021 and every XXXX day of the month for the next 5 months. This amount of {$200.00} was charged to my Checking account on XX/XX/2021 and went through.
Product: Credit reporting or other personal consumer reports

I am requesting the description of investigation procedures according to 15 US 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guidelines
Product: Credit reporting

I have been out of country for three years. I returned to US in XXXX of 2015. Late XXXX, early XXXX I got a credit report from Experian as I was applying to rent an apartment and wanted to know my credit rating. Subsequently I have been getting these emails from Experian notifying me of changes in my credit rating. I have been ignoring these emails because when I open the email and click on the link it asks me for a user log in. I do n't have an account. And if I did have an account I do n't know my user login. Life has settled down a little bit and last night I decided to spend some time on this. Then I read the e-mail more closely. In very fine print it informs me that they are deducting XXXX dollars from my account monthly for this service and that I got seven days free and was automatically signed up for this and that I had to take steps to cancel the membership. I never sign up for this and did not think it was applicable. But then I check my bank account. Sure enough these slime balls are deducting money from my account every month. This has been going on since XXXX. This is fraud. It is dishonest and I have no interest in their service. I want my money returned. I want to file legal charges against them.
Product: Checking or savings account

I purchased a convenience store on   XXXX   XXXX   XXXX    . Part of the purchase process is to apply to  XXXX  to accept  EBT cards ( food stamps ). I   h ad submitted the application to   XXXX   in  XXXX  and provided all the requested documents in  XXXX . A fradulent company called "   XXXX   XXXX   XXXX   XXXX   '' called my store in  XXXX . This company was impersonating to be from the government and asked for a {$320.00} fee for finalizing the food stamp application. The manager at my business fell for this scam and gave my bank account number and routing number to this company. Later I found out that this is a scam and this is a private company from   XXXX   XXXX  , California. This company withdrew money out of my bank account under the title "  Federal Compliance  ''. I immediately contacted  US Bank wh en this withdrawal was pending.  US bank r efused to stop this withdrawal and were not even able to tell me what company was this charge from. I have now contacted this company about  hundred times but t hey refuse to refund my money. I have also filed complaints with various government agencies. My complaint is aga inst US bank. They  refuse to do nothing despite the fact that I told them the whole situation. They were unable or unwilling to tell me what company was this charge from. Small business owners lile me work countless hours to earn a living and paid thousands of dollars in fees to banks li ke US bank. However it appears that US bank is aiding and abetting criminals like this fradulent   company and do everything to conceal the criminal 's identity.
Product: Money transfer, virtual currency, or money service

I started using heartland payment systems company for my XXXX business onXX/XX/XXXX, normally I should receive my money in to my bank no more than 24 hours, but they hold my money over 20 days, until I found out it on XX/XX/XXXX on my online banking and called them. in the past 20 days no body contact me about this happen, I was very shock.i don't know who took my money in the past 20 days. I been talk to them many time to get back my money, they keep lie to me said tomorrow than tomorrow again, my business checking account been negative, not enough money to run my business, I wait for almost a week to get my money back, also they didn't give me a final answer what is going on. the money sent back to me was not very clear, and not correct. ( heartland customer support XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with Experian disputes in regard to credit inquires that I did not authorize. I have opened up disputes directly with the creditors and they have all been of no assistance saying that they are not required to furnish me any documentation of the inquires on my report even after I advised them I never gave authorization. I submitted a complaint to Experian and instead of Experian looking into my dispute and inquires, Experian instead just said some of the inquires were no longer on my report. on XX/XX/2020 I am requesting that Experian investigate the inquires that I will be attaching to this complaint and delete all highlighted inquires as they were not authorized by me. I have tried to submit my claims to each company that did a credit inquiry on me without my authorization. I am now requesting that Experian conduct the dispute expeditiously. Experian dispute center reps have acted unethically in the past when I have submitted documentation to them disputing authorized activity.
Product: Mortgage

I am a Bank of America customer. Approximately 5 years ago I requested for a home retention assistance from Bank of America. I was told several times that the amount owed would be placed on the back end of the loan. I started receiving notices that my loan was in the arrears and that it needed to be brought forward. The amount was never placed in the arrears and I can not get in front of the loan. I requested again for a home retention modification. This process was delayed repeatedly by Bank of America. Documents were requested by BOA and resent several times. My account was transferred to several account reps each time being asked for documents that were already sent. Loan took over 7 months to process. I was again informed that my arrears would be placed on the back end of the loan. I never received notice except for a phone call from XXXX XXXX that my loan modification was approved. I began making payments but then received notices that my loan was again significantly in the arrears. I started setting in bi-monthly payments at an amount that was more than what the new loan amount was for but was told this was not acceptable because I was placed in a " TRIAL '' program. When I inquired about this program I was told that I was only permitted to pay the exact amount that was due and not more, not less. My new account representative, XXXX XXXX, advised me that I was no longer in the trial program and that my loan was reverting back to the original amount owed because I was not complying with the " TRIAL '' program. I did not receive information on this trial program and was never informed of the terms of the program. 
The BOA refusal to place my outstanding owed amount in the back end of the loan has made it impossible for me to bring my loan current and has destroyed my credit scores. The reasons for requesting for a loan modification was to save my credit ratings but BOA has outright destroyed any and all hopes of rebuilding. I have been making payments that are larger than the amount due in an effort to bring the loan current but this can not happen. My payments are made ever two weeks yet BOA does not acknowledge the payments until the next payment is made. They collect the interest on this loan and also collect interest on the payment. 
I have called numerous times to no avail. I am making my payments and they continue to report negative entries on my credit scores.
Product: Checking or savings account

I had an account with Chime via XXXX last year that I was told was closed on XX/XX/XXXX without ANY notice, email, call, mail, nothing! During that timeframe I had several claims of fraudulent use of my card earlier in XXXX that were investigated with most charges being found to be " erroneous '' and thus any provisional credits were finalized. However, in the midst of this investigation my account was closed and I was unable to use my debit card nor even sign into my account to access information. I received emails from XXXX through XXXX stating that I had refunds sent to my account for substantial amounts : XX/XX/XXXX = {$540.00} refund from " XXXX '' XX/XX/XXXX = {$210.00} refund from XXXX XX/XX/XXXX = {$320.00} refund from XXXX ( Order number XXXX ) XX/XX/XXXX = {$54.00} refund from XXXX XXXX ( Order ID : XXXX ) ALL of these were received by the bank and I was not notified. I had no means to receive my money that was supposed to be in my account and I have no received a reply to my questions about my account in MONTHS. I have always gotten " Our specialist team is working on your request '' emails but in the months since I last received a response from the support email at Chime I have heard absolutely nothing and have no means to reach a person on the phone to discuss this matter. They tried making me jump through hoops to prove I am who I am by asking me to send in pictures of my driver 's license, utility bill, and social security number all of which I am not comfortable sharing over the email system. I should be able to speak with a representative who can resolve this matter in a matter of hours not MONTHS so I can have my money back! 

This is a total of {$1100.00} that I am being robbed of by Chime. They closed my account without warning and are still taking refunds that I am entitled to without giving me access to see and work within my account. If the account is truly closed as they said it was on XX/XX/XXXX ( my login access was shut down then I assume ), but then ALL of those transactions should not have been refunded and the original merchants should have received those funds back from which I could work with each of them on alternative forms of refundable payments not dealing with Chime, but the bank has seemingly kept all of my monies and I demand a full refund of all those fees immediately. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permissionXXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$150.00} XXXX XXXXXXXX Balance : {$330.00} Repaired Late/Close XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00}