23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX, XXXX, FL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AARGON AGENCY INC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX, XXXX, FL XXXX
Product: Credit card or prepaid card

I mistakenly purchased an ecosmart water heater from a KNOWN fraudulent company. Once checking out with their " preferred checkout method '' ( PAYPAL SYNCHRONY CREDIT CARD ) the website changed from XXXX to XXXX XXXX XXXX with no other contact information. I became concerned, but, was able to track package delivery. Once my package stated it arrived, I noticed it was an envelope with just a mask in it. I called Paypal Synchrony credit card to dispute the charge and report fraudulent activity on the account since there was no way of getting ahold of the company. They stated they " had no problems getting in touch with the merchant '' and swiftly denied my claim. I tried to bring to them more information, and they denied it again, but this time with a copy of the merchant 's proof of delivery. I told them the merchant delivered a package with a mask in it with XXXX writing on the envelope. The product weight was 0.5 lbs delivered by XXXX. My product was a POOL HEAT PUMP with a wt of 25 lbs! I looked on the PayPal website and noticed that PayPal KNOWS THIS COMPANY IS COMMITTING FRAUD AND DOES NOTHING TO STOP IT, BUT INSTEAD, THEY TAKE THE CRIMINALS SIDE. They told me I could not have access to the company number they had because " it was their personal one for that company ''. The lady I spoke to also said that they are aware of this type of scam where they block any communications with the buyer once checkout is complete. If you look at XXXX https : //www.paypal-community.com/t5/Disputes-and-Limitations/is-163-com-address-a-scam/td-p/2123145/page/1XXXX ) you can view all the victims of this fraudulent company with the email ending XXXX on the Paypal website. They do the same scheme over and over with PayPal being aware. I have receipts from before the transaction and then the finalized transactions along with " their proof '' they sent from XXXX that Paypal sent me. They continue to allow transactions to be approved with the same domains. When the consumer brings up the discrepancy, they are made by synchrony to feel as if they committed the fraud.
Product: Student loan

My account was in forbearance. I made a payment and was told not to make XXXX because of the state my account was in at the time. Now I have Nelnet reporting a late payment on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried submitting various complaints to  XXXX ,  XXXX , and Experian with no clear results of the dispute stated other than they are right and you are wrong. I submitted  XXXX  dispute to  XXXX  on  XXXX   XXXX ,2017 and on  XXXX   XXXX ,  2017  I was notified the " investigation '' was completed. They are required under FCRA regs to complete a thorough investigation on each account. I do not believe that this has been the case for my accounts. My wife and I are suffering daily because of false reports that damage our score from access credit inquires required to get a reliable vehicle, insurance premiums, and the possibility of buying a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Ga, XXXX XX/XX/XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Dear Transunion, You are breaking the law XXXX Pursuant to 15 usc 1681 ( a ) ( 1 ) Congress states the banking system is dependent upon my consumer reports that must be deemed fair and accurate. My consumer reports are in fact not fair or accurate. Furthermore, Congress also states that you must have my permission to report information on my consumer report which I did not give you. According to pursuant 15 usc 1681 ( b ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER. Transunion is being sued for their inaccuracy according to the CEO of the CFPB. 

You took information from alleged creditors and reported this information without consulting with me to confirm if it was accurate or not. This in fact gave the furnisher inaccurate information and an unfair advantage over me. 
This is my third attempt.
Product: Mortgage

Attached are Request For Modification Assistance forms sent to JPMorgan Chase Bank NA that were requested by Chase Attorneys XXXX XXXX and XXXX XXXX. 

Step six of the Request for Modification Assistance forms requires Chase to assign a team of dedicated specialists to the loan with 5 days. 

Attached are the Request for Modification forms dated XX/XX/XXXX and XX/XX/XXXXXXXX XXXX 

JPMorgan Chase Bank NA and its attorneys did not respond to the XX/XX/XXXX and XX/XX/XXXX request. The last Request for Modification Assistance form was received by Chase on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that Iwant to dispute specific records in my credit file that do not belong to me, or that I have signed anyagreement. The items I'm challenging have nothing to do with any transactions I've done or authorizedto gain products, services, or money. Please remove the following items : XXXX XXXX : {$7100.00} ; XXXX  XXXX Balance : {$14000.00} ; XXXX  XXXX Balance : {$990.00} ; XXXX ; XXXX ; XXXX XXXX  XXXX ; XXXX on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT IS REPORTING INACCURATE AND HAVE VIOLATED MY CONSUMER RIGHTS DUE TO MILD PRACTICE. THIS ACCOUNT IS REPORTING INACCURACIES ACROSS ALL ( XXXX ) CREDIT BUREAUS. 



XXXX OF XXXX
Product: Credit card

I applied for A Pre Approval credit for Medical and was denied because the bank stated That I have Previous Negative experience with Comenity Bank and I personally have never had a Comenity bank account. 

The application Reference number is XXXX The date of Application was XX/XX/year> For a Alphaeon  Pre Qualify
Product: Bank account or service

I was living in a suburb of XXXX, XXXX ( XXXX ), and XX/XX/XXXX, my step-father took a new job within the XXXX at an XXXX in XXXX. I was a Chase customer while in XXXX and in the XXXX XXXX, but XXXX does not contain any Chase locations. Therefore, I had to close my account with a XXXX balance. I completed this at the branch located at XXXX XXXX XXXX XXXX in XXXX. The manager, from whom I had been getting cashier 's checks for the past few months to pay my rent, personally closed out my account, stood, shook my hand, and said he was sad to see me go. I said back to him that I would stay a Chase customer if they had branches located in the area of XXXX in which I was moving to. Now, a few years later XX/XX/XXXX, I 've moved back into the service area of a Chase bank ( suburban XXXX XXXX ), and when I went to open a checking account, I was told that I owed just over {$80.00}, which had to be paid off first, after which I could open up an account. I did not know about this supposed debt ( or else it would 've shown up on my credit report that I monitor constantly ), and I would think Chase would use another mechanism to block me from opening a new checking account between XX/XX/XXXX and XX/XX/XXXX, which I did with XXXX XXXX XXXX XXXX.
Product: Student loan

On XX/XX/XXXX I emailed Navient to request a School Misconduct Discharge application for a Signature Student private loan that was dispersed to my school XX/XX/XXXX. 

On XX/XX/XXXX I received an email response from Navient 's Office of the Customer Advocate stating my loan is not eligible for its School Misconduct discharge program because the school that certified my loan was a nonprofit institution. 

On XX/XX/XXXX I responded to Navient 's email asking : ( 1 ) why nonprofit schools are not eligible for its School Misconduct Discharge ; and ( 2 ) if it was true that Navient 's application was changed in XX/XX/XXXX to stipulate nonprofit schools are ( now ) ineligible. 

Prior to XX/XX/XXXX, Navient did not stipulate that eligibility for the School Misconduct Discharge was only applicable to loans dispersed to for-profit schools. Navient changed its School Misconduct application XX/XX/XXXX, confirmed by Project on Predatory Student Lending ( PPSL ). This change in criteria is both recent and significant, and was not a consideration when my loan was initially certified. 

On XX/XX/XXXX a notice was uploaded to my inbox on Navient 's internet platform, signed by XXXX XXXX with the Office of the Customer Advocate. It stated the denial was solely based on the claim that the Holder Rule it employs only applies to private loans distributed to for-profit schools. My question : why were nonprofit schools eligible prior to XX/XX/XXXX? Navient failed to answer or address this question. 

DETAILS OF SCHOOL MISCONDUCT : 1. Misrepresentations and Misleading Information : My school made several misrepresentations regarding its education quality, graduate designation, graduate employability, and program offerings. 
My school mislead me, and possibly others, about the availability of federal student loans. 

2. Financial Aid Information : In XXXX the Financial Aid Department at my school informed me I had reached the aggregate limit for federal loans, which was false. 
My school failed to inform me about the availability of the Grad PLUS Loan, which I was eligible for. Instead, my school only offered to certify the Signature Student Loan through Navient ( then Sallie Mae ). 

I question the relationship between Navient and my school, regardless of its nonprofit status, based on information like : Navient allegedly made loans as an inducement to get schools to use Navient as a preferred lender for highly-profitable... private loans, without regard for borrowers and their families, many of whom were unknowingly ensnared in debts they could never repay. ( XXXX XXXX XXXXXXXX ) And : " ... an investigation into student lending practices found that lenders paid kickbacks to colleges and their employees for steering business their way ... '' ( XXXX XXXX XXXXXXXX ) FINANCIAL HARDSHIP : My school certified the Signature Student Loan for {$24000.00} . To date, I have paid {$27000.00} towards this loan, yet the current balance is {$37000.00}. 
My monthly payments of {$520.00} cover only interest, and I am unable to afford higher payments. 
My debt-to-earnings ratio is 865 %, and I have no other debt aside from student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for more than 10 days to fix an error on all three credit reports. XXXX fixed the error which was probably caused by their breach within 24 hours. I filed to have TransUnion also fix the 2 errors. 
I am not XXXX XXXX XXXX XXXX and I have never lived at XXXX XXXX   XXXX XXXX XXXX, XXXX, Fl XXXX. 
These two errors need to be fixed by both TransUnion and XXXX.  I have tried to contact XXXX  for over 1 week and they are impossible to deal with. Their dispute website does not work and I keep getting kicked off. If you pay for a yearly membership, you might get through, but I doubt if that would even work. There is no human contact or customer service to help. Of all the credit bureaus they are the worst and only want to sell me my credit report or establish a membership. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX. 
XX/XX/year> XXXXXXXX XXXX XXXX [ Address of the Creditor, if available ] Subject : Request for Account Information Dear XXXXXXXX XXXX XXXX, I am writing regarding the account listed under the following details : Account Name : XXXXXXXX XXXX Account Number : XXXX Please note that I am not disputing this account. However, I am requesting clarification and additional information about the account for my records. Specifically, I would like the following : 1. The date of the first delinquency on the account.

2. The date of the last payment made toward the account.

3. The date the account was charged off. 

Your assistance in providing this information will help me ensure that my records are accurate. I would appreciate your response at your earliest convenience. 

If you need any additional information from me to process this request, please let me know. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened a CD with USAA bank for a secured credit card unfortunately and for personal reasons, I had to file for bankruptcy ; at the same time I called the credit card department and paid off any balance I then asked to close my CD account on XX/XX/2018 and deposit the proceeds to another checking account I have with USAA and was told that it will take a couple of days ; after XXXXwo weeks not seeing the deposit I called again trying to find out where is my money and was told that it takes two weeks to close the account after two weeks not getting the money I called again and was told that they can not deposit the money in my account and it will take another two weeks for them to issue a check and mail it to my home address after two weeks today XX/XX/2018 I called again and was told that the check was issued on XX/XX/2018 and mailed to the bankruptcy trustee and had to do so because it is the law. I spoke to my attorney and was told that there is no such law. It's unheard of to send someone's money to a third party without my authorization. As you can see in my complaint throughout the month of XX/XX/2018 from the XXXX of the month until the end of the month, I was given the runaround. I filed a complaint with the Federal Reserve which resulted in a phone call from the bank representative all she told me was 1. She basically blamed me that I called the wrong place/department however no one I spoke to told me that I am calling the wrong place/department. 2. The representative also told me that it is USAA policy that in case of bankruptcy they mail the funds to a trustee, I asked her to show me where does it say in our CD agreement that in case of bankruptcy my money will be mailed to a third person, she basically refused to either direct me to where to find the agreement or offer language in the agreement. In the meantime, after finding a solution for my financial troubles I voluntarily had my bankruptcy dismissed and still looking to collect what is due to me which amounts to {$1600.00}
Product: Credit reporting or other personal consumer reports

I

am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian 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, Experians 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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.These are the accounts I want removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Is when I mailed off my credit dispute letters to the credit bureaus. It has been more than 30 days and still no investigation results. This is a violation of my rights.
Product: Debt collection

This company called me without sending a letter regarding a debt from BB & T or XXXX and I have never made any transactions or business with this company. Therefore, I request that this company stop and cease all communication methods with me. Additionally, I request you to delete this account from your company and that you remove from XXXX, XXXX  and XXXX  if you reported this account to them.
Product: Debt collection

In XX/XX/2017, I purchased a vehicle from FLAGSHIP CREDIT ACCEPTANCE, I was being XXXX a month later so I returned the Vehicle to dealership two weeks after purchasing. My deposit of {$3000.00} was never reimbursed and the car was sold to another consumer for {$19000.00}. They reported the account as charged off for the amount of {$4800.00}, but they are still the account holder for the past four years. All my communications and disputes has bore no result. This has been hurting my credit for the past three years and they refuse from removing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding overdraft fees I have Incurred. Despite having sufficient funds when transactions were authorized, I was charged fees dues to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Money transfer, virtual currency, or money service

I use XXXX XXXX from XXXX as a local money transfer with my peers and my bank, Capital One. I recently noticed that i am unable to " Cash out '' money from XXXX to capital one yet until Monday, XX/XX/2018, this wasn't an issue and to my surprise, it just stopped working. 
Consequently, Capital one has charged me for non sufficient funds in my bank account since automatic bills can't be paid. 
Instead of addressing the issue, both XXXX and Capital One recommended that I should attach to another bank but I do not have another bank. 

Per Capital One, the bank no longer supports XXXX XXXX, and according to the Bank, its because XXXX XXXX is not security compliant with the Bank 's standards. In my opinion, XXXX as a third party provider would have received a notification from the Bank about the security updates that was about to occur. And according to various standards such as XXXX XXXX, XXXX XXXX, XXXX and many others, both XXXX XXXX and Capital One have the obligation to notify the consumer that the app will no longer be supported due to non compliance in security ( which is a big issue ). I know this because I work in IT Security. 

Neither XXXX or Capital One has notified me of any changes ; XXXX  XXXX failed the testing from Capital One and refuse to take responsibility of this situation and it is left to me to deal with unwarranted fees. Consequently, those payments are being rejected and I am being charged late fees from all my service providers. 

I am a victim here because theirr operations do not follow industry 's standards and best practices and I would like a resolution to this issue.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX  XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Vehicle loan or lease

My interest rate was too high, I paid so many fees and it did not help my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$200.00} ; XXXX XXXX XXXX**** Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX GA XX/XX/XXXX.