23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Navient payment plan was set up, but they have not held up on their end. I and my parents get a phone call everyday every hour of everyday for more money and say I have to pay more than I can afford so they will not stop calling collections calls. I am XXXX and have a set income they also took monthly payments from me during covid shutdown and even though I told them what I can afford they will not stop harassing phone calls and verbal threats and they have ruined my credit and it is being paid as what I had verbally set up. Please have them stop the harassing phone calls from ( XXXX ) XXXX. Navient
Product: Credit reporting or other personal consumer reports

The company misallocated my on-time payment to another customer 's account and incorrectly reported my account as late. 

Account in Question : XXXX XXXX  incorrectly reported as late in XXXX XXXX.
Product: Checking or savings account

On XX/XX/XXXX, I deposited a govt issued covid 19 rent relief check from XXXX in the amount of {$21000.00} through a bank teller in person at Bank of America in XXXX XXXX XXXX I was issued a deposit receipt stating the first {$5300.00} would be available XX/XX/XXXX and the bal on XX/XX/XXXX. The following day I received an email advising a 10 day hold due to check specific information indicates item may be returned. At the time of deposit, I had a positive bal and absolutely no history of bouncing checks or negative bal. Ive consistently maintained a positive bal for 5 years and have a credit card never late and a 3.2 % auto loan with the bank. Also never late. Bank of America is in violation of the XXXX XXXX act and Regulation CC. When I asked the bank the reason for the hold, I was lied to several times. I was told I have a consistent history of bouncing checks and that regulation cc allows for extended holds on govt checks. The bank is still holding my money.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I applied for the Chase Sapphire XXXX card. I finished the application and immediately received hard inquiries to my credit report providers. After no email or response acknowledging my application I called JP Morgan-Chase on XX/XX/2024. After reaching a service representative and said representative checking in with the lending department, I was I told that there was no record of my application despite the reflection of said application on my credit report. I was directed to file a dispute through XXXX. I called XXXX on XX/XX/2024 and was told that claim was out of their service offerings and to contact the CFPB.
Product: Credit reporting or other personal consumer reports

According to the Fair credit Reporting Act 15 USC 1681 section 602 states There is a need to insure the the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for customer rights to privacy. The XXXX credit bureaus XXXX, XXXX, XXXX are consumer reporting agencies while i am the consumer. My rights to make sure my private information will not be shared. Under 15 USC 6801. the policy says that Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of me the customer and protect my security and confidentiality of those customers nonpublic information ( furnisher of information to credit agencies is a financial intuition by definition under that title. 15 USC 1681 section 604 section 2. Under this policy XXXX, XXXX, XXXX  nor financial institutions do not have my consent verbally, non verbal, or written consent. Any and all consent whether it be verbal, non- verbal, written, nonwritten, implied or otherwise revoked. 15 U.S.C 6802 ( b ) ( c ) states that a financial institution may not disclose non public information to a nonaffiliated third party unless the consumer is given an explanation of a non disclosure option. They have informed me of my right to exercise nondisclosure option. also 15 USC 1681c ( a ) 5 states except as authorized under subsection ( b ) no consumer reporting agency may make any consumer reports containing any of the following items if information any other adverse item information other than records of convictions of crimes with antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S Code 1681 s-2 ( A ) ( 1 ) a person shall not furnisher any information. relating to a consumer. 15 U. S Code 1681states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of 1681c. also CFR 1016.7 a consumer has the right to opt out at any time. I am opting out of your reporting services
Product: Debt collection

I am paying this debt on my time. They call several times a day from morning till night. from several different numbers.
Product: Vehicle loan or lease

On XX/XX/XXXX, I made a payment of {$580.00} as reflected due on my XX/XX/XXXX statement. That payment was to cover for a due date of XX/XX/XXXX. The payment successfully posted. I logged in this morning and was alarmed to see a payment due on XX/XX/XXXX of {$700.00}. Now, I has also called about 6 months ago after receiving notification of tax payment due for my vehicle. I asked the associate if I could make payments over the minimum and when I do, would that automatically be applied to the balance I owe for taxes. She confidently replied YES. So, for 6 months I have been doing that, only to find that they have not been applied to taxes. Why would I overpay on a lease? On XX/XX/2020 at approximately XXXX XXXX EST, I made a call to Hyundai Motor Finance to discuss a concern I had with my payment due amount. I spoke with an associate that told me that I still owed the {$700.00}. I asked to speak to a supervisor. XXXX XXXX, supervisor at Hyundai Motor Finance, informed me that the website was incorrect and I owed nothing more for XX/XX/XXXX but would go ahead an resume my normal payment amount for XX/XX/XXXX. He also provided me with a confirmation number. Due to his lack of confidence on the call, I waited a few hours and called back at XXXX XXXX EST. The associate the informed me that I actually owe {$190.00}. She was unable to explain to me why her explanation differed from XXXX XXXX 's. I then asked for another supervisor and specifically requested to not speak with XXXX XXXX again but of course, he came on the line. When I confirmed that it was him I spoke to earlier, I asked for a different supervisor to which he responded, " There is no one else here. It's just me ''. He also advised that it " may '' be possible for me to get another supervisor so I offered to hold but he told me that y only option was to call back to " try '' to get someone else. At which point, I requested an address to submit an Executive Complaint/Escalation. His response, " We do not have that. There is no address to submit a complaint and your questions or concerns end here ''. I have been in the XXXX XXXX for over 13 years and I am WELL aware of the options to Escalate beyond the call center environment. So my next move is to call back for a 3rd time with the anticipation that XXXX XXXX 's shift has hopefully ended and see if I can get a 3rd amount of payment due from a different supervisor. This is not an acceptable response to my financial concerns. He/they did not help and can not provide accurate information and refused to help me.
Product: Money transfer, virtual currency, or money service

identify you and your account. 
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

On XX/XX/XXXX I called Mohela to request a refund of all my payments done during the covid relief period. I have on my records I did XXXX payments of {$99.00} to Mohela and XXXX payments of {$99.00} to XXXX. They were only able to see payments done to Mohela. I was told they would further investigate but nothing happened. I requested my payment history and when received it didn't included the XXXX payments to XXXX. 

I messaged them directly on Mohela website on XX/XX/XXXX regarding the missing records, they never replied. 

I called on XX/XX/XXXX and they said they already requested the refund, that they can't give any other updates and I can just wait for the refund. They provided me XXXX transaction id numbers for their refunds issued on XX/XX/XXXX, but didn't explained what those were or disclosed the refunds amounts. Still, no information from my XXXX records. In the meantime I receive XXXX refunds of {$99.00} each ( total {$190.00} ). 

I called on XX/XX/XXXX and was told to wait, that payments are still in process, nothing more. 

I called on XX/XX/XXXX and they dont ' have any access to my payment history before I requested the refund. The only evidence is my payment receipts and emails. The agent transferred me to a supervisor to leave a message and be called back in XXXX hours, but the supervisor didn't returned the call. 

I called the Department of Treasury on XX/XX/XXXX and they can see Mohela sent a paper check to me to refund XXXX payments of {$99.00} ( total {$890.00} ) on XX/XX/XXXX, as they sent a deposit on XX/XX/XXXX but my account was closed so the check was returned to the sender. 

I have requested my payment history several times and they don't provide the full records. I have letters and emails from XXXX and Mohela that state all XXXX records were to be transferred to Mohela, so they should have those records and are just not researching them. Is outrageous they deleted all my payment history without notice, no email, no letter, and never found my XXXX payments done to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed two disputes with credit bureaus reference, XXXX XXXX  account that is negatively affecting my credit. I have never had any medical procedures, nor the company has any valid information attaching me to this fraudulent account. Upon initial dispute confirmed the address was not mines ( ID verifying my identity and address uploaded ), they ( XXXX XXXX ) do not have my social security number, and any other identifying information attaching me to this account. Contacted the reporting company and they have no interest in assisting me in this matter.
Product: Credit reporting or other personal consumer reports

I CHECKED MY CREDIT REPORT THIS MORNING AND I AM STILL SADDENED WITH IT. THERE ARE STILL INACCURATE ACCOUNTS REPORTING SO PLEASE DO CHECK THE DOCUMENTS I'VE SENT REGARDING THIS IMPORTANT MATTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX alleges a debt of {$770.00}. 
My Current Balance as of XX/XX/XXXX is {$430.00}. 

Exeter Finance alleges a debt of {$11000.00}. FDCPA, FCRA, RISA, MVISA Violations. 

XXXX XXXXXXXX XXXX XXXX XXXX allege a debt over {$17000.00}. FDCPA, FCRA VIOLATIONS! Misleading, Character Assassination Failing to Credit Account when XXXX XXXX was an ABSENTEE PARENT in XXXX!
Product: Credit card or prepaid card

In XXXX of XXXX I opened up a Barclay 's Credit Card. As soon as i opened the card I had immediate problems. Balance transfers have been made without my consent by a XXXX XXXX. I called the problem into Barclays and to date it is still not resolved and they have reported to the credit agencies and my score has declined.

After months and months of issue and 2 bank balance transfer we made according to Barclay 's. {$3600.00} & {$1200.00} I do not have the card and I do not have access on line. I closed the account XX/XX/XXXX and I have a letter from Barclay 's  bank documenting the account was closed with a XXXX Balance. 
On XX/XX/XXXX, I received a letter now with a new account number ( that I did not open or authorize ) That a recent payment to my card was made in the amount of {$3600.00} and returned to my bank. I did not make any such payment and reported it to Barclay 's and at this point I have investigations open into this account and a police report from back in XX/XX/XXXX and a supplemental update in XX/XX/XXXX. 
I have received letters from Barclays telling me while this is being investigated I would not be held responsible for this activity, and an adjustment will be placed on my account however that have sent me to collections they have reported to the credit agencies being late over 90 days for 3 months and although I received a letter when I closed the account back in XXXX of XXXX. They have opened up new account without my knowledge and when you read the documentation please take not all the account ending numbers. They just reported closing the account XX/XX/XXXX. 
I need help every time I call they tell me another 30 days. I have spend countless hours trying to get this corrected, but to send me to collections and report to the credit agencies with my score now dropping over 100 points. This is outrageous. 
I have sent them police reports and all the documentation and they will not stop collections they tell me I have to wait another 30 days
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XX/XX/year> AND XXXX XX/XX/year>, HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RICGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALGO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCIONS.
Product: Credit reporting or other personal consumer reports

I requested XXXX XXXX  to provide me with the original documentation with my signature that shows I I had authorized a debt of {$16000.00}. I requested this documentation last month I specifically requested a documentation to be mailed to me. I spoke with the rep from XXXX XXXX today who told me that they did not have the original documentation. It has been well over 30 days since I requested this documentation. Since XXXX XXXX has been unable to validate and provide me with the original documentation with my signature as requested within a 30 day time frame I want this creditor to be deleted from my consumer report from all three agencies. Equifax XXXX and XXXX. 

I have disputed with the three consumer reporting agencies but yet they still show inaccurate unverified information and they do not have the original documentation from the creditor because they are unable to provide the original documentation. 

My credit reports say that the vehicle was repossessed and written off but I never received a 1099-C From the original creditor legally I am supposed to receive a copy of that documentation that shows that the debt has been canceled so is either they refuse to give it to me or be they are intentionally and knowingly committing illegal actions against me and I will not stand for it.
Product: Credit card

Hello, I am submitting a complaint on Citi bank, they closed XXXX of my credit cards because they haven't received document from me. I have tractor supply credit card with citi bank and citi american airlines credit card. I was able to use my cards previously without problem, I was doing my payments on time. I haven't received any letter, because the letter they have sent to me was sent on XX/XX/XXXX on XXXX XXXX XXXX XXXX XXXX CA XXXX, I attached the letter they provided to me. But at that time I have already moved to my new address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX, I attached my statement that you see I have moved to my new address. I haven't received a call or email regarding that they have requested document from me. Whenever I would login there were no notification that there was a problem with my account. When they closed the account the red notification appeared in my account, but not when they requested documents, I attached screenshot. I am not asking just to reopen my cards, I request to allow me to send them document they requested and process it, once they process it I ask them to reopen my cards. I am ready to provide the information they need, but they don't agree to allow me to send my document and reopen my cards, despite the fact I was never able to know that there is a problem with my cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a request for a re-investigation of the accounts listed below. These accounts were claimed to have been accurate or verified by you just putting them on my credit report without my consent and without your knowledge of them being 100 % correct. 
These accounts are still inaccurate/Unverifiable/invalidated and need to be corrected or deleted immediately : Also make sure these items are XXXX. 

XXXX XXXX XXXX XXXX XXXX please send me my full credit report along with the following items : your investigation results contact information for each creditor and any relevant information from the previous investigation. 
The documentation used to verify the dispute for completeness, accuracy, and appropriateness
Product: Credit reporting, credit repair services, or other personal consumer reports

Your report on me is in error because it contains information that is inaccurate. I request that you investigate the following and remove them immediately and prevent their reinsertion in my reports. 

XXXX XXXX XXXX : # XXXX : This account does not belong to me. I have no knowledge of this account. Please validate this information with XXXX XXXX XXXX and provide me with copies of any documents related to this listing bearing my signature. In the absence of any documents bearing my signature, I request that this information be deleted from the file you maintain under my Social Security Number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Misreported balances on the XXXX XXXX XXXX account listing 2 accounts. Wont remove and wont help. keeop giving me the run around wont let me dispute. reporting wrong payment history i dont have two mortgages please remove or give me an address for my attorney to contact and email and phone number
Product: Debt collection

XXXX appeared on my consumer report on XXXX in the amount of {$1400.00}. I have no knowledge of this debt and did not receive an opportunity to validate the debt within five days of it appearing on my consumer file. I sent a letter and received no response from the company asking for validation, signature receipt or anything like that.
Product: Debt collection

I regret to notify you that I am unable to accept your decision to reject my identity theft claim on the grounds that it was based on a mistake or a substantial fact misrepresentation. It begs important questions about how and why you have the power to define what is a material actuality. It is important to note that you do not have the authority of a jury or judge, nor do you have any natural right to render such decisions. 

The Federal Trade Commission ( FTC ) has established guidelines that provide that when an FTC identity theft report is sent to a law enforcement agency, which the FTC is, the protocol is to follow the law and conduct an appropriate investigation. 

XXXX XXXX XXXX XXXX XXXX I'm willing to give you one more chance to handle my request regarding identity theft. If I don't, I'll be forced to use the legal system to pursue my legal rights. In such case, you will be responsible for the harm done to my credit and reputation as well as the emotional pain I have had to go through during this whole experience. It's very likely that throughout court processes, what qualifies as a material fact will become readily evident, and you might have to pay me back for your carelessness.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX/XXXX. 
I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : US DEPT ED, USDOE/XXXX.
Product: Credit reporting or other personal consumer reports

I am once again reaching out to your company to look through these accounts that are affecting my credit scores in a way where I find it almost impossible to apply for another loan. These are inaccurate and were not reported with full accuracy.
Product: Debt collection

On XXXX XXXX, my employer, XXXX XXXX XXXX XXXX received a phone call by this number ( XXXX ) XXXX identifying themselves as Forster and Garbus in regards to a debt collection and informed an employee of the amount of debt owed.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

Also, according to 15 USC 1681 5 they are supposed to ; ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information from the file of the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information, that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 they are NOT supposed to 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

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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 XXXX XXXX XXXXXX/XX/XXXX