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

I have been disputing 2 accounts that are falsely reporting on my credit reports for a year now ; I have never received the proper, legal verification that these debts are owed or that the account was late. XXXX XXXX XXXX is claiming that I have a charge-off but this was paid long ago but they're still reporting this! This should've been removed because it's obsolete and I'm no longer financially responsible for it! Then, XXXX  XXXX XXXX is showing a late payment but has never provided proof of the actual late payment ( statement, when they received my payment and when it was posted, etc. ).
Product: Debt collection

Professional Account Managment LLC has been send us letters " DEMAND FOR PAYMENT ''. After the first from the XXXX XXXX XXXX XXXX asking for {$260.00} dallors for tolls their employees told us to " just drive through '' because we didn't have or even no we need a XXXX XXXX XXXX XXXX At the time we asked if we could pay with Check or Card and were told no, we were not told there would be a {$50.00} fee on top of each toll. We called and the XXXX XXXX XXXX XXXX  Representative told us to pay the toll amount and they would wave the fees seeing how it was our first time, we did. Then we received more notices and when we called they told us to sign up for the XXXX XXXX XXXX XXXX program even though we dont live in New Jersey along with an dispute letter and they would wave the fees, we did. Then we started getting letters from Professional Account Managment LLC claiming they represent the XXXX XXXX XXXX XXXX   and that they were attempting to collect a debt. We called and explained what was listed above and were told they would look into it, they clearly did not. The times they attempted to contact us by mail and all three times we responded by mail asking for them to for the information they are required by law to provide and all three times they ignored our requests. On XX/XX/XXXX they again tried to collect on the debt we feel we do not owe, on XX/XX/XXXX we again asked for for the information they are required by law to provide, told them not to stop contacting us until after they provided us with all the requested information and reminded them by continuing to attempt to collect without first providing written verification they were in violation of the Fair Debt Collection Practices Act. Their response was a single piece of paper on XX/XX/XXXX in response to my letter say please review attached documents, their were none. Now it's on XX/XX/XXXX we receive another letter dated XX/XX/XXXX " DEMAND FOR PAYMENT '' say to pay the total due immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my ID and Social and later used it to open the following account : XXXX and XXXX XXXX XXXX XXXX Opened : XX/XX/2018 Amt. XXXX Please include my Police Report and Identity Theft Report that you have on file to the Dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a problem with identity theft and the account 's being opened fraudulently unauthorized by myself I have disputed such inquiries with TransUnion expressing my concern pf the amount of inquiries that has been made within the last 11 months the total increase is 20 increase in 11 months and despite XXXX snd XXXX removing such unautherizrd inquires transunion refuses to remove inquiries lowering my credit score greatly and Making it extremely difficult for me to find employment employment because of my low credit score and amount of inquiries amount of inquiries that has been made in such a short period of time
Product: Payday loan, title loan, personal loan, or advance loan

I brought concert tickets from XXXX using Klarna- but the tickets were sold or my time ran out to get the tickets but I still paid Klarna XXXX. Upon realizing I didnt get a confirmation code from XXXX  I reached out to them and were told I would have to call/chat klarna to get my XXXX  XXXX  is saying the same thing. When I try to upload evidence to klarna that I didnt get the concert tickets their only option are to provide a confirmation code from XXXX  ( which I didnt get ) or a Tracking number ( the purchase was not a package ) so their options for evidence submission do not support my situation. When I try to communicate this to Klarna they say they can not see my claim information and to chat online for more help. When I chatted online I was told I quote : As weel this timeframe please contact the merchant to report this into our systems because at the moment that you placed the order we paid for the full amount them so it means that they are responsible for the order and for the refund they should refund us in order us to refund you because Klarna 's role is to provide a smooth and secure payment process. This includes offering various payment options such as XXXX XXXX XXXX XXXX, and financing options. 
Also let me inform you that we will be in touch with the merchant as well XXXX - end quote. Ive quite literally been getting the run around since XX/XX/year>24 its now XX/XX/year>24 and Ive gotten no where with either company
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to DELETE the disputed Account from my credit report as well as REMOVE the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One has stopped reporting my positive credit history to XXXX. This has caused my score to drop over XXXX points. I noticed that reporting stopped in XX/XX/2020.
Product: Debt collection

This company and the lawyer they used have different response to the complaint. Attached profolio and their lawyer response. Does this make sense?
Product: Credit card

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under XXXX XXXX XXXX section 6 o 2 states I have the right to privacy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt also states a consumer reporting agency can not furnish an account without my written instructions under XXXX XXXX XXXX a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose. 

I want you to send me a detailed list of the history of payments made my me on this account. I want to see the signature that I put on a contract guaranteeing that I would pay this creditor. I would like to see if there is any insurance claim found on this debt. I want proof of the chain of title to collect on this debt.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these ACCOUNTS in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed ACCOUNTS will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I transferred my phone service from XXXX to another provider in XXXX. I realized the following month that I had not completely canceled because I had another charge come out of my checking account through auto bill pay. So I called XXXX to cancel and prevent that from happening again. I CALLED FOR XXXX MONTHS and could never get anywhere with an employee. I was told a supervisor would call me to sort it out. No one ever called. I kept being told they couldn't do anything in the middle of a cycle and to wait until my next statement came out. No one actually cancelled my service until XXXX months later! The final person I spoke to on the phone in XXXX, informed me that noone had actually cancelled my service yet. They had just un-enrolled me in auto bill pay. He told me my final statement would come out on XX/XX/XXXX and it would reflect no new charges. I NEVER RECEIVED MY BILL IN THE MAIL. I never even received an email. 
Instead of a bill, I have received a statement from a debt collector that says I owe XXXX {$600.00}. I TRIED CANCELING FOR XXXX MONTHS. 
XXXX deceived me and failed me.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2024, I fell victim to a multi-layered scam operations run by XXXX XXXX XXXX | work-launch.com which involved me making deposits for a total amount of XXXX USD from my Huntington Bank account to fraudulent investment firm ( XXXX ).
Product: Student loan

I am filing this complaint against Navient due to their failure in offering repayment options and advising my loans to be placed in forbearance. When my loans came out of deferment in XX/XX/XXXX, it was suggested by a representative of Navient that consolidation was my best option, even though some of my loans ' interest rates were extremely lower than my current interest rate. After consolidating in XX/XX/XXXX, a representative calculated my monthly payments. Based on those calculations, my payments were just over {$1600.00}, which I struggled to pay. After asking a Navient representative if I could get those payments reduced, I was advised that forbearance was the only option until I could determine how I could afford those over {$1600.00} payments. I was not given any other option for a reduced monthly payment. In fact, I sought financial help, and it was at that time I Iearned of the different repayment options available. When I eventually enrolled in a repayment program in XX/XX/XXXX, my payments were extremely low, about {$100.00} to {$150.00} a month. When I questioned the payments, I learned that they were calculated on tax returns from year XX/XX/XXXX, I was still in school, and my income was vastly different in XX/XX/XXXX than in XX/XX/XXXX. How could Navient overlook this error? Was it intentional? Upon recertification in XX/XX/XXXX, I learned that my payments had ballooned to over {$1000.00}. This was due to yet another failure of Navient to thoroughly inspect paperwork properly. There are multiple failures by Navient and their representatives that have led to capitalized interest of over {$50000.00} in 2 years. These failures on behalf of Navient are predatory lending practices, that have truly caused me severe XXXX. I have become sick, and even fell into a XXXX state, as this dark cloud of debt does not seem to be clearing at all. I have been forced to move in with family as I struggle to make these monthly payments. 

What can be done to correct the failures and predatory practices that I have experienced with Navient?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint for the following inaccurate information on my credit report. I have highlighted the items that are inaccurate on my credit report. I have also attached screenshots of the inaccurate information on my credit report. The following items are inaccurate on my credit report : XXXX XXXX XXXX  Inaccurate high balance Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate date closed Inaccurate creditor remarks Inaccurate last payment XXXX XXXX XXXX XXXX Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate creditor type Inaccurate account status Inaccurate payment status Inaccurate last payment Inaccurate account type XXXX XXXX Inaccurate account number Inaccurate last verified date Inaccurate date reported Inaccurate date open Inaccurate account rating Inaccurate creditor type Inaccurate account status XXXXXXXX XXXX Inaccurate account number Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate date closed Inaccurate account rating Inaccurate creditor type Inaccurate account status Inaccurate last payment XXXX XXXX Inaccurate account number Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate date closed Inaccurate account rating Inaccurate creditor type Inaccurate account status Inaccurate last payment XXXX XXXX Inaccurate account number Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate date closed Inaccurate account rating Inaccurate creditor type Inaccurate account status Inaccurate last payment XXXX XXXX Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate account status Inaccurate creditor remarks XXXX XXXX XXXX Inaccurate date of last activity Inaccurate date reported Inaccurate account status Inaccurate payment status Inaccurate creditor remarks Inaccurate last payment Inaccurate term length XXXX Inaccurate account number Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate closed date Inaccurate creditor type Inaccurate account status Inaccurate payment status Inaccurate last payment Inaccurate account type
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I learned that a credit card was fraudulently opened in my name at Bank of America. They used my address, email, SS #, and email address to open the account, but wanted the cards sent to an alternate address. I called Bank of America and cancelled the card prior to anything being charged.
Product: Student loan

I reached out to Mohela because I have land that are part of the XXXX XXXX XXXX XXXX XXXX XXXX and I wanted to get the status of those loans that's supposed to get discharge but they keep telling me too contact studentaid. Gov.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union against multiple draft fees I have incured. Despite having sufficient funds when transactions were authorized. I was charge fees due to lagged posting of charges and credits.The issues aligned with the recent CFPB findings against Navy Federal for similar practices, where transactions settle for insufficient despite initially available funds. I believe these practice are unfair and request investigation into my account transactions.
Product: Debt collection

Contacted XXXX XXXX XXXX in regards to her meaningless email to me XX/XX/XXXX @ XXXXXXXX XXXX  kept me on hold after argued this debt is not mine refer to divorce degree see attached letter she as well stated no one signed for letter in regards to putting them on notice POINTLESS CONVERSATION see tracking receipt XXXX XXXX in the past demonstrates CFPB is a joke and all they have to do is respond to close out case I aggree but only exhausting my avenues for civil action emotional as well damaging my credit CFPB needs to publish each response as well regulate companies trying to collect another state other then Nevada
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is restarting the reporting clock on an account in my name unlawfully. XXXX XXXX canceled said account in XXXX of XXXX after not receiving a payment since XXXX of XXXX. They charged off this account in XXXX, but they re-reported it as a charge off in XXXX of XXXX and that has restarted the reporting clock with the three credit bureaus. They acknowledge the debt is very old because in the last quarter of XXXX, they began sending letters to my address stating that this account is so old that they can not legally sue me for the account that is in my name. I have not had any contact with them regarding this account in any way shape or form. I do not, nor have I acknowledged this debt belongs to me with them. I have documentation showing that they have not received any payments since XX/XX/XXXX, so therefore that started the clock for the first delinquency because they have never received any form of payment, nor have they had any communication with me since then. The amount that they are still reporting has not changed for years as well, thus also proving that they have not received any payments on this account to lead them to restart the clock as well. I do not acknowledge that this is my debt. I am solely writing this to make a complaint against XXXX XXXX and to show that they are inaccurately reporting information to the three credit bureaus. I have been denied a housing loan because of this. When they started to report that this account was recently charged off, as opposed to the truth, being that it was charged off in XXXX, it made my credit score drop dramatically. I have disputed this information with the three credit bureaus and they have all stated that XXXX XXXX has verified this information. I have plenty of documentation showing that they are falsely reporting delinquency and charge off dates
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Prepaid card

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XX/XX/XXXX US Bank failure to replace two fraudulently altered gift cards ( XXXX x {$400.00} XXXX x {$480.00} total {$880.00} ) Dear Sir or Madam, I purchased two {$500.00} US Bank XXXX XXXX cards from the grocery store in XXXX. The magnetic stripe on each was not functional however I was able to begin using both cards online. In both cases I used these cards partially and then went to XXXX. When I returned to the US and tried to use these cards again, I discovered that all remaining funds on both cards had been drained fraudulently via XXXX transactions at a California XXXX  store that I had never visited and in addition, these transactions occurred while I was in XXXX and these cards can not be used overseas per Terms and Conditions. 
I reported this by calling the XXXX XXXX number on the back of the cards and was instructed to send the information to the Prepaid Dispute Resolution center. I faxed the information above and later I received two letters dated XX/XX/XXXX, one for each card. These letters acknowledged an error occurred and that the disputed amounts would be credited in the form of new cards sent to my address. The letter stated that you will receive it ( the new cards ) within 7-10 business days. ( see enclosed letters ). 
It is now XX/XX/XXXX which is 30 business days later, and neither of these cards has been received. 
Funds totaling {$880.00} as above have not been returned per the letters issued by US Bank XXXX XXXX XXXX Dispute Resolution. Please can you ensure US Bank follows through on its obligation. 
Thank you for your assistance. 
Yours truly, XXXX XXXX
Product: Mortgage

XX/XX/XXXX   XXXX   XXXX    Requested a " Stop Junction '' from Ocwen Mtg. Selling my home on the court house steps. After illegally FORECLOSING!!!
Judge award  ed   XXXX   XXXX   .from pri nciple, {$47000.00} from areages & REPAIR CREDIT, of which they NEVER DID.   Come  XX/XX/XXXX , They IllegalLY FORECLOSED ONCE AGAIN!!!   CAUSING HAVOC ON MY SM. BUSINE SS ; ( OCWEN ADDED A SERVICING FEE, OF OVER {$9000.00} WHICH GREW TO {$18.00}. THAT IS WHEN THEY TOLD ME TO " PAY OR QUIT ''. AFTER 6 YRS. HAVING SHOWN PROOF OF 12  payment 's, GOING BACK FROM  XX/XX/XXXX , ONLY   HAVING PROVED them to have been notarized, front & Back, THAT THIS MT   G. FIRM, Ocwen HAD BEEN EMBEZZLING my HOUSE PAYMENT 'S!!! NEVER HAD I BEEN GIVEN CREDIT. THEY CONTINUOUSLY ASK FOR PROOF OF PAYMENT FROM PREVIOUS MONTHS. MY     BUSINESS    NOW, OVER 20YRS, WHICH I
  XXXX   XXXX   OWN & OPERATE   HAVE SUFFERED IMMENSELY : ( NOT MENTIONING MY HEALTH IS NOW   FAILING DUE TO   XXXX  !!! I 've CONTEMPLATED SERIOUS ACT 'S ONLY HAVING REALIZED, THIS PLACE IS TEMPORARY!
Product: Debt collection

As a ( natural person ) federally protected consumer, I XXXX XXXX never enter any consumer credit transaction with AFNI INC for them to have obtain my personal information. With AFNI INC obtaining my personal information without my consent they are in fact in violation of 15 USC 1692 for infringement upon my consumer 's right to privacy and they have also committed fraud and identity thief for purchasing my personal information. AFNI INC also in violation of 15 USC 1692j for furnishing deceptive form making it seem like I owe this allege debt when in fact I don't.
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 WXXXX 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 these accounts has violated my rights, 15 USC 1681 section 602 A states i have the right to privacy.

15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c section 604 ( A ) ( 5 ) section states. No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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: Mortgage

Freedom Mortgage told us it would take XXXX days to close on an assumable loan. Its been XXXX days. They sent off paperwork to our title company, but when the title company reached out for clarification on the paperwork, Freedom Mortgage did not respond. This has been the case from day XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The seller has agreed & signed a contract that expires XX/XX/XXXX. We could lose out on this house because of Freedom Mortgages negligence resulting in the seller losing confidence this will actually happen. Please help us.