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

I just recently reviewed my profile and Im very upset with the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determine my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirm that the information posted in my file is correct? I never received any notice from these companies that my dispute is truly mine or correct. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8400.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received a chase debit card for an account that was open in my name card ending XXXX then on or about a week later I received another letter stating that the account would be closing due to non-activity and any funds remaining would be sent to me I received a cashier 's check on XX/XX/2022 in the amount of {$1.00} # XXXX event # XXXX with my name and address listed on the check I never opened a chase account i reach out to themXXXX about the wouldn't give me any info about the account they informed me it was nothing they could do and not to worry about. Would like to have this issue investigated for fraud and identity thief as well the chase company is not concerned about my personal info or nor did they accurately verify if it was me that open the account. 
business name on check JPMorgan chase bank N.A.. XXXX az XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Honda finances company repossed my 2 new car 5 years ago, i got those two cars after trading my XXXX XXXX XXXX XX/XX/XXXX XXXX milage.payed XXXX XXXX dollar down payment.made payments for three year untill i defoulted late payments due to husband XXXX i had XXXX XXXX, i was still working and paying them, one day they called me at work for late payment due to nature of my work i could not carry converstaion with honda corporate office worker he said since they can not communicate with me they are going to repossed my cars i told them i did on line bank payment they should get it by tomorrow.next day they took both cars away and auctioned them in market for cheap price, and told me to pay them XXXX dollar more to them.ever since that day i have been called and harrassed by their company, they call me from different phone numbers and harrases me to pay them.plus doing negative reporting to my credit .i dont know what to do any more ...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting 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 a account without my written instructions
Product: Credit card or prepaid card

I initiated a dispute of {$250.00} against XXXX XXXX XXXX on my Chase United Quest credit card in XXXX, as they ( XXXX XXXX XXXX ) did not provide the service that they promised. On XX/XX/XXXX, I received a letter from Chase saying that the merchant responded and that Chase was agreeing with the merchant and considered the dispute closed. Along with the letter from Chase was an attached letter from the Vice President of XXXX XXXX XXXX. I read through the lead where he made numerous false statements against me, and I immediately called Chase asking to re-open the dispute. 

I called Chase and was told I had to fax my account of events along with any evidence that I had. On XX/XX/XXXX, I faxed my statements along with evidence that the Vice President of XXXX XXXX XXXX was lying and that they never provided the service that I had paid for. 

Chase sent me a letter on XX/XX/XXXX, again, saying that they considered the dispute closed. I called Chase again in which the Customer Service Representative told me that Chase took the original letter that XXXX XXXX XXXX published as evidence, and did not ask for further evidence even though the letter I faxed in clearly showed that XXXX XXXX XXXX was at fault. 

I told Customer Service Representative that I wanted to re-open the dispute again and they told me that the time period for that has expired. 

Chase 's unwillingness to even read my letter, which clearly showed XXXX XXXX XXXX 's deceptive business practices is what led me to file this complaint. 

I am attaching my dispute letter to, and all the evidence I submitted to Chase below.
Product: Checking or savings account

I had a banking account with chime bank every since XXXX and as of XX/XX/XXXX they closed my bank account for no apparent reasons saying I was not in compliance to deposit agreement when I opened the account it wasn't for depositing checks I was simply using it for savings and personal use. I have let this be known to the bank. I have read the agreement and I have not broke any rules of the agreement. How is it that if I was breaking the agreement by not using the account to deposit checks why didn't they just close the account back when I first made it instead of waiting years later to close my account while I still had money in my account. I had {$490.00} in my account before they closed it. They would not reinstate my account in they are not trying to give my money back in full.
Product: Debt collection

Noticed this item on my credit report XXXX XXXX ). I never received letter from this company. Also, XXXX contacted me on or about XXXX XXXX, XXXX, in regards to this matter, and did not send me a conformation email, or mailed letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 and XX/XX/2020 I sent letters to XXXX  to provide physical verification for accounts that are being reported on my credit report, and for those items to be deleted. After 30 days there was nothing sent to me to and items still show on my report. As of today XX/XX/2020 have still yet to receive any physical verification of these items belonging to me. Per section 609 of the FCRA they are required by law to provide this information, and if they can't the items should be deleted at once.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of XXXX XXXX. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a XXXX XXXX. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 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 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: Student loan

Have struggled to repay private student loans with Navient. I have been on Social Security XXXX and have had extraordinary medical expenses and loss of income due to health issues. 

The payment plan I was on was discontinued because of a technicality because I did not call Navient to continue the repayment program so the lower interest / lower payment program was discontinued and the payment went from $ XXXX month to $ XXXXmonth. Additionally, all of the interest during the term of that program was set at 1.5 % but when the program was discontinued, the typical interest rate of 12 % was recapitalized back into the loan inflating the balance of the loan. 

I have repeatedly told Navient that I can not afford {$1700.00} /month payment but they will not change the payment plan and tell me they will continue to advance the loans to default. 

The original principle balance of these private student is a fraction of the current principle / recapitalization interest balance. 

I am recovering my health and Navient offered and setup a repayment plan that would lower the monthly rate to an affordable rate of 1.5 % but after setting up the repayment program and payment plan, Navient said a few days later that the program was not actually approved and they wanted additional private family information. 

I am willing to pay these student loans under the 1.5 % interest rate and payment of $ XXXXmonth that was offered and actually setup in their system but the Navient manager said it was discretionary whether they approved anyone for this repayment program. This sounds like a practice of disparate treatment ... the program is available but Navient evidently wants to maximize their $ income ... without regard for individual privacy. 

During one of my earlier discussions with a lower level Navient representatives he said that Navient was just one big credit card company that would do anything to collect payments and increase corporate funding. 

Lastly, the representative confided to me that Navient has been actively selling loans to 3rd party collection agencies ever since the CFPB and other State Attorneys offices filed lawsuits against their predatory loan and serving practices.
Product: Debt collection

Dear CFPB, I am writing to file a complaint regarding a debt collection activity that I believe is in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. I received an itemized list of alleged charges from CBE Group, which claims I owe them money. However, this does not meet the Federal Trade Commission 's guidelines for proper debt validation under the FDCPA. I dispute the validity of this debt and demand strict proof and verification of the same, in accordance with 15 U.S.C. 1692g ( b ). I have requested debt validation in writing, and the collection agency should have ceased its collection efforts immediately upon receiving my request. Despite this, the collection agency proceeded to obtain a default judgment against me on the debt collection claim without first providing verification of the debt, in violation of 15 U.S.C. 1692g ( b ). I am aware that the collection agency is reporting this collection on my credit report, which constitutes a collection activity. This is in violation of the FDCPA, and I am entitled to collect damages of up to {$1000.00}, plus actual damages and attorney 's fees, if I file a claim in small claims court. These collections on my credit report are causing me severe problems and are preventing me from obtaining a home loan, with the potential for damages to reach into the thousands of dollars. Furthermore, I believe that the reporting of this invalidated information to major credit bureaus may also constitute defamation of character. The Fair Credit Reporting Act ( FCRA ) does not allow for the inaccurate reporting of information on my credit report. If the collection agency does not immediately remove this account from my credit report, it is subject to another {$1000.00} fine, plus punitive damages. Your company may also be in violation of the FCRA if it does not comply with this request. I look forward to hearing from you within 15 days regarding this matter. If I do not receive a response, I intend to pursue legal action. Thank you for your prompt attention to this matter. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to dispute a negative remark from Carrington Mortgage Services. They reported a late payment for XX/XX/2021. Included is a mortgage statement from Carrington Services that shows there was no payment due for XX/XX/2021. It also shows multiple payments in the previous months which would have led to an overpayment. We later sold the home on XX/XX/2021 which effectively paid all debt to the lender. There are included documents reflecting this as well. 



Thank you for your time on this.
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. 
XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX, and 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 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

XXXX Amount : 0 Actions : Reported this error with XXXX XXXX they could not get it removed. XXXX recently denied my request to resolve this based on the previous ( failed ) attempt, so I am need this agency 's help. I also contacted the card company and they show no record of this negative item. Please have them remove this negative item from my credit report.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX  XXXX in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 around XXXX XXXX PST I signed into Experian to opt out of marketing. From their on line page I was required to create an account and they gave me account #. I have no idea what is going to happen with that. 

I could not located anywhere on the page or their web page to opt out of marketing. I also tried calling in and their phone support tree did not have an option and would not allow me to a live person. 

I use XXXX XXXX with XXXX XXXX XXXX and they have not been able to get my report from Experian in a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I submitted a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and ignored of my disputes. Section 611 ( a ), it is plainly stated that the failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

15 U.S. code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHE MY FTC REPORTING TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information displayed on my credit report.
Product: Credit reporting or other personal consumer reports

Both Transunion and XXXX XXXXXXXX XXXX  are reporting false information on my credit report. According to their records I have a charged off account with XXXX XXXX as of XX/XX/2023. I did not have an account with XXXX XXXX at that and have not had an account with the company in quite a while. These two companies have failed to provide me with an itemized list of what these charges they are claiming I owe or for nor have they provided me information in relation to how I owe this alleged debt as I have not held an account with that company during that time. I would like to see the final bill in my name with the address I was residing at the time this so called money was owed. Also please provide proof that charter communications has sold this alleged debt to this company.
Product: Checking or savings account

I lost my wallet in XXXX of 2020, my account with chase was compromised due to fraud, I contacted Chase they issued me a new debit card and account number which didn't work, then told me i had to bank elsewhere. I recently received a email that funds were being withdrawn from my account and had no idea why.
Product: Credit card or prepaid card

On XX/XX/XXXX a late fee of {$38.00} was assessed to my account.

On XX/XX/XXXX a refund of the late fee of {$38.00} was allegedly refunded to my account. 
I was told by XXXX of customer service ( onXX/XX/XXXX ) that I still had to pay the late fee because it was already billed to me ; however, my amount due would ultimately show less in the future, providing I made no more purchases. I have not made a purchase from XXXX 's  stores since XX/XX/XXXX. 

I paid {$92.00} to bring my bill current ( all in the month of XX/XX/XXXX) as instructed by XXXX 's  Credit Card Customer Service Rep, XXXX. 

My monthly notes due had been averaging approx. {$27.00} a month ; however the bill that is due for the month of XX/XX/XXXX is now {$38.00}. When I asked, how XXXX determined that my minimum due is {$38.00}, I was told by the XXXX 's Customer Service Rep that their minimum requirement varies. Although I have not made any additional purchases since XX/XX/XXXX, the minimum amount due XX/XX/XXXX of {$38.00} is the " same amount '' that XXXX XXXX Credit allegedly refunded me. I see this as deceptive and a possible violation of fair trade practices, I am not at all comfortable with using XXXX 's Credit Card Service to do business with them!
Product: Money transfer, virtual currency, or money service

I use moneygram to send money to my parents and family. I have realised overtime that moneygram is using predatory practices including frustrating customers to keep fees. 

I sent money to a relative on XX/XX/19. When he went to withdraw the money using his passport he was denied access due to expiration of his passport, and it can not be renewed anytime soon due to COVID. So I called money within 12 hours to let them know the issue and to change the name. I was told they could not change the name so they will cancel the transaction and did. 

I found out today they had refunded the transaction money BUT NOT THE FEES. So I called to find out why. I was told : 1. It was over a day old and 2. I canceled the transaction and the name change was my fault. 
The {$4.00} fees is not my main concern. I want to bring moneygram to book and shine light on these predatory practices as it has been going on for sometime now.When you send money and encounter a problem and call moneygram that same day you will sit by the phone for hours without help and when you manage to get them the following day then they start the quoting from their fine print how they can not help you. And their customer service agents, I believe have been trained to frustrate customers so they give up. They know full well they can not help you but take about 10-15 minutes of you precious time. Then they transfer you without telling the new service agent your issue so you have start all over again. 
Additionally, I think this is either an intentional/untentional strategy from moneygram to flag phone numbers of people who have sent money that day and to decline majority of those calls so they they can fall into over day old category and so they can get to keep those fees. 

I think this predatory strategy of moneygram should be look into as I think they are taking advantage of a lot of customers.This is about the 3rd time this is happening to me so I know what I am talking about. I gave them the benefit of doubt the first two times just to study what was going on. I have come to the conclusion that though their fees are low they make it nearly impossible to get a refund.