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

Being a customer of XXXX XXXX  XXXX XXXX XXXX for 17yrs I was hoping for a resolution to the issue that my family faced. Although the economy is bad in XXXX XXXX, our intent and effort have been to always pay our bills, however, due to the economy, the family business I work for slowed down and so did our income significantly decreased. During this same period, we were hit by Hurricane Maria in XX/XX/2017, which further strained our finances. During all of this, we continued to communicate with XXXX XXXX  XXXX XXXX XXXX, explaining our situation. Once the hurricane hit, it took a bad situation and made it worse. We contacted XXXX XXXX  to see if we could get some assistance using the FEMA disaster declaration to allow us time to recover so that we could resume paying our debt as we were now struggling to even put food on the table. We were told they were working on it, that they understood, however, after months of asking about the status of our account, we were told that they were no longer able to help us due to the fact that we were no longer a customer since they closed our account. We again pleaded with XXXX XXXX, inquiring about any assistance due to the natural disaster and again we were told that since we were no longer a customer that we did not qualify for any assistance. Given that we are still paying on the account, that they are still sending us monthly statements of the activity, ie. the payments, and that our goal is still to pay our debt, we are asking that the recording of these past due payments be removed from our record given the circumstances that I have stated. As you can see, our recent payment history will show we are working to pay off our debt, but we feel that the fair thing to do would be to grant us the same relief that others affected by this disaster have received. There was a short period of time this year where we struggled to keep up with our payments, but that was due to a relocation to XXXX  to take a government job due to the struggling economy in XXXX XXXX.
Product: Prepaid card

I HAVE A PREPAID CARD WITH RUSHCARD/UNIRUSH. I HAVE BEEN UNABLE TO ACCESS MY FUNDS SINCE XXXX/XXXX/15 AND HAVE NOT BEEN ABLE TO GET IN TOUCH WITH THE COMPANY. WHEN YOU CALL ANY OF THE CONTACT NUMBERS FOR THEM THE LINE RINGS AND HANGS UP AFTER BEING ON HOLD FOR HOURS. WHEN I DID FINALLY GET THROUGH LAST FRIDAY XXXX/XXXX/15 I WAS TOLD MY INFORMATION HAD BEEN COMPROMISED AND I NEEDED TO ORDER A REPLACEMENT CARD WHICH WOULD BE XXXX TO BE EXPEDIATED. THE SYSTEM HAS BEEN DOWN SINCE THE XXXX SO NOT SURE HOW THEY WERE ABLE TO DETERMINE THAT. I PAID THE XXXX FOR 1-2 BUSINESS DAY XXXX SHIPPING AND HAVE NOT RECEIVED THE CARD YET. WHEN I CALL TO TRY AND GET A TRACKING NUMBER THE LINE DISCONNECTS. I HAVE READ ONLINE THAT OTHER PEOPLE HAVE RECEIVED REPLACEMENT CARDS THAT CA N'T BE ACTIVATED AND THEY CA N'T REACH THE COMPANY TO GET IT FIXED.
Product: Debt collection

An account was opened unbeknown to me with XXXX XXXX and it was sent to collections. My father who had all of my personal information used it to create several credit card accounts and I have been trying to remove them. I have disputed the record with XXXX but have not seen any changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis Consumer Center XXXX. XXXX XXXX XXXX, GA XXXX I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished Lexis Nexis inquires regarding all personal information. 

This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered in XXXX of XXXX that I was a victim of identity theft. I immediately filed a identity theft report with the FTC and gathered all information and submitted notice to Transunion, XXXX and XXXX. The information was received but all three credit bureau 's ignored my attempts to have this corrected. I was able to get some of the fraudulent accounts removed with the original creditors but still have some that I am unable to have block. I have sent all three credit reporting agencies with notices in XX/XX/XXXX and in XXXX when subsequent identity theft was committed. All three credit reporting agencies are picking and choosing which information they will block and which they will not. I feel like this is the next step I am having to take to get this resolved before I try to take this to small claims court.
Product: Debt collection

on XXXX XXXX I find out thatCollection Services Of AthensXXXX XXXX XXXX, GA XXXXhad place a new collection on my credit report immediately I sent them a letter Disputing this Alleged Debt they received my letter on XXXX XXXX 2015 in this letter I informed the that I was disputing this information under USC 1692g Sec. 809 ( b ) in this letter I requested A copy of my doctors order for services performed by alleged Creditorprovide Alleged Creditor Name, Address, Phone Number and Full account Number with alleged creditor and a complete Itemized Bill as require by federal law any medical facility to provide itemized invoices upon request. 
they Responded to my request for verification on XXXX XXXX 2015 the did not provided any of the proof requested instead they sent me a letter saying that they had contacted their client and that their client had confirmed that the Name and Address on the Account was CorrectThe Courts have Ruled that knowing Some ones Name And Address is Not Enough to Validate an Account. 
I sent them a second letter on XXXX 2015 giving the a second opportunity to validate this account by providing me with the requested information. 
A copy of my doctors order for services performed by alleged Creditorprovide Alleged Creditor Name, Address, Phone Number and Full account Number with alleged creditor and a complete Itemized Bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/23 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
Here are the accounts : XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXXXXXX XXXX : {$980.00} XXXX XXXX XXXXXXXX Balance : {$5400.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim for identity theft. The following inquiries are a result of fraud. The inquiries as follows 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXt XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX. Im never requested credit or did an application for these companies.
Product: Student loan

I received statements from Mohela outlining the number of oayments I have made and the number I have left for PSLF. It showed I have made upwards of XXXX payments on all my loans, and I only need XXXX to qualify for PSLF forgiveness. However, the statements said I do not qualify. This seems like a major error. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

Re : Dispute of Reinserted Account Request for Immediate Removal Dear Transunion I am writing to dispute the reinsertion of a negative account on my credit report, which had previously been removed. The account in question is XXXXXXXX XXXX  The account was removed from my credit report confirmed by your bureau. However, I have recently discovered that this account has been reinserted into my credit report without my consent. prior credit report showing the account was not listed. 
Furthermore, I did not receive the required notification at least 5 days before this account was reinserted, as mandated by 15 USC 1681i. This lack of proper notification is a violation of the Fair Credit Reporting Act ( FCRA ). 
Given these circumstances, I request the immediate removal of this account from my credit report. 
Please confirm in writing once this account has been removed from my credit report. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

on XX/XX/2019 an account was open in my name which i had know knowledge of, the company listed RECEIVABLE management GROUP is responsible for this..i sent a debt validation letter as my rights under the fair debt collections act where this company never responded back..they have violated my rights in multiple violations listed below 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

15 U.S. Code 1692e.False or misleading representations ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. 

15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Product: Credit card or prepaid card

On XX/XX/XXXX I was shopping for a A/C unit on XXXX XXXX place. I came across with an ad about XXXX XXXX unit for {$85.00}. I decided to make the purchase, after finhesed the payment, the website freeze and didn't allow me to create an account to track my order, I didn't receive any email about the purchase confirmation. I tried to get back to the same ad and website and I couldn't find the same again. Since that day and now XX/XX/XXXX. XXXX still showing some ad with the same product and same price. I saved more than 5 website with the same layout same deal, exactly the same but with different title/name. All those website doesn't show you any phone number to contact. The only way for costumer service is by this e-mail : XXXX. I XXXX this email.adress and show up a bunch of warning of scam. People saying that bought items and never received. Show up more than 5 website using the same email as a costumer service email. It's totally a scam. And I couldn't get my dispute resolve properly and so far I didn't receive anything from the seller and they don't reply my emails that I sent.
Product: Credit card

On XX/XX/year>, my Apple Card was unexpectedly closed by Apple without any prior notice or explanation. This sudden action has left me without access to my credit card and its associated benefits. Despite multiple attempts to contact Apples customer service for clarification and resolution, I have received no meaningful information or assistance. I am deeply concerned that this decision may be discriminatory, as I have been given no valid reason for the closure, and my account was in good standing. The lack of communication and transparency from Apple regarding this matter has been highly frustrating and has caused significant inconvenience.
Product: Student loan

Back in XX/XX/XXXX I got an email Sallie Mae Customer Service about an estimated payments from the repayment of my loans and it was a total XXXX dollars. Then I receive in with other email estimated payments XXXX dollars. I call Sallie Mae Customer Service to ask if there was another option of repayment or just income base payment paid. They replied with the response that the income base was not a option and that they was no way they could lower the payment. In XX/XX/XXXX a monthly payment came out of XXXX due to a a payment of a loan payment and then I was under the impression that my payment was going down. In XX/XX/XXXX there was a payment of XXXX taken out of my account.When called Sallie Mae Customer Service I told there was no way I keep taking this out account a month. they replied there let it go into a default they said that it would be 60 days that i could basically go without a payment.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX account # XXXXXXXX XXXX  account # XXXX, XXXX account # XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Sections : It also stated a consumer reporting agency can not furnish an account with put my written instructions.

15 USC 1666B states a creditor may not treat a payment on a credit card account under an opened consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below account has been submitted to a collection agency in error. I have contacted the original debtor to verify that it was submitted to XXXX XXXX XXXX XXXX as a mistake. I am attaching the corresponding letter from the original debtor XXXX XXXX XXXX for reference. This account has been submitted as a collection account on all three credit profiles. I have since contacted Equifax, XXXX, and XXXX to have this account removed, to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have cut and paste the response the XXXX clearly stating at the end of their response out right refusing to furnish a Validation of Debt letter. This is the law and my right, and XXXX should be held accountable for this violation. See below : The debt associated with the account ending in XXXX is valid. XXXX XXXX XXXX, XXXX, owns the account and has not sold it as of the date of this letter. For reference, we enclosed : Page 1 of 55 of the application ; the additional pages are not provided as they contain proprietary information and are unrelated to your request. The Cardmember Agreement The last three account statements Weve sent updated information to the credit reporting agencies We show your account was opened on XX/XX/XXXX, and no account information was reported before that date. The account was charged off on XX/XX/XXXX, due to non-payment. The debt has not been discharged. We reviewed your account and found that an update is needed for the reporting to the credit reporting agencies. Weve sent the updated information to the agencies for their records. The account should show : TransUnion We updated the payment history for XX/XX/XXXX from 121-150 to 151-180 days past due and XX/XX/XXXX from 121-150 to 181-210 days past due We confirmed the remaining credit reporting agencies not reporting your account information or no update is necessary. We respectfully decline you request to stop reporting your account to the credit reporting agencies or delete the account. Allow sufficient time for the update, then request a new copy of your credit report. If you find an error, let the specific agency know. Heres the contact information for the four credit reporting agencies : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX transunion.com  Your account is not eligible for Form 1099-C The Form 1099-C has not been issued on the account and is not warranted at this time. Please be advised that XXXX prepares and files tax forms pursuant to Internal Revenue Service ( IRS ) guidelines and not pursuant to a customer request. Such a form would only be prepared and filed under the appropriate circumstances. Based on the information you provided and XXXX own internal review, we can not identify any circumstances warranting the preparation and filing of the requested Form 1099-C. You may be eligible for payment assistance Your account may be eligible for payment assistance. If you are interested, please contact our Internal Recovery ( IRU ) team at XXXX. They are available Monday through Friday XXXX XXXX  to XXXX XXXX. XXXX XXXX. There are no fees or charges billed prior to your account open date of XX/XX/XXXX. We decline your request for fee waivers. We deny violating any state or federal laws. This letter is sent only in response to your inquiry and is not an attempt to collect any outstanding debt. Unless you have additional concerns, we will not be responding to another request from you to validate your debt.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits I was unfairly charged overdraft fees. This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Checking or savings account

Just after XXXX  a priority mail letter was delivered to a home that I stayed at temporarily while looking for a job. The person who lives there brought the letter to my home on XX/XX/XXXX. I used the mobile deposit feature in the banking app and deposited the funds. The check was dated XX/XX/2018 in the amount of {$2900.00} and was written out to me. I spent some of the money on household goods as I was XXXX  up until XX/XX/XXXX and had nothing in my home. On the XXXX I went to purchase groceries and my card was declined. I called my bank and was told that the check was reversed due to insufficient funds and that it was my responsibility to know if the funds were available prior to depositing the check. I was instructed to contact the issuing bank, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Upon calling them the woman I spoke with asked for the check details including account and routing number and though the routing number was correct she stated that the account did not exist. I was told that this could potentially be fraud and to call my bank. I called my bank immediately, USAA, and relayed the information I was just given and was directed to the fraud department to start a claim. After speaking with them both of my checking and savings accounts as well as my husbands checking account was frozen. To this day I still can not even access the website to view my accounts or notices. I called my bank repeatedly and was told that the money needed to be recouped immediately. I asked what my options were and was told that they had to take all of the money from all of the accounts to offset the balance. I was not given any other option but was forced ( I feel like I was forced ) to give them permission to drain all of the accounts and still owe them {$590.00}. I was told that if I dont pay the difference before XX/XX/XXXX five or take then all of the accounts would be closed and they would submit my information to collections as well as post it on my credit report. Even after explaining that Im currently unemployed and do not have any other bank accounts I was asked to write a check for the balance. I attempted to file a police report at the XXXX XXXX Police Department in NJ I was told that I would be arrested for submitting a false police report. I should also mention that the original letter came with tracking information and that my husbands account was frozen because Im listed as a joint user. Every account that had my name on it is frozen. I received a letter in dated XX/XX/XXXX stating that the check was returned because the account could not be found. I called USAA and was told that my fraud claim was denied.