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

I had requested a copy of my credit report and once receive it I saw collections on there that I had no knowledge of. I sent out letters on XXXX XXXX, XXXX, XXXX XXXX, XXXX, asking them to send me how these companies are verifying these account and they are not giving me the items that I have requested. I know that this is a violation of my right according to the fair credit reporting act. All these collections are keeping me down in my credit XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. I ask that you make them do their job which is not tell me its verified but what method they use to verify. I need to see documents with my signature on it and if they cant provide me with these papers I want them to stop reporting these items as accurate because just because they said it does n't make it true so I need the papers delivered to me, so i can see how they are verifying them
Product: Credit reporting, credit repair services, or other personal consumer reports

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 I have several student loans accounts with Navient all have different ages, and all have different reports of last activity as well as they have different dates of last activity, these accounts report different account numbers across the bureaus. 

These student loan accounts can't be made sense of because these accounts report on my credit as open, however when i called XXXX they've told me that these accounts have been sold to another company, and nobody at navient is able to assist me with getting proper information on my accounts. 

The company also states that they no longer service student loans, essentially this company is reporting misinformation with no recourse as to how to correct it.
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 XXXX. 

XXXX XXXX XXXX Account owner : Individual account Original creditor : XXXX XXXX XXXX Date reported : XX/XX/2023 Date assigned : XX/XX/2023 Account status : Open Amount : {$320.00} 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 card or prepaid card

I am writing to formally file a complaint against Discover Bank regarding their handling of a dispute with a merchant. Despite providing ample evidence and adhering to all necessary procedures, I have been extremely disappointed with Discover Bank 's decision to side with the merchant, resulting in a loss of {$2800.00} for items that were rightfully returned. I believe this decision was unfair and unjust, and I am seeking assistance from your esteemed organization to rectify this matter. 

The details of the case are as follows : On XX/XX/2023, I placed an order with a merchant for several items. 
Due to various legitimate reasons within their return policies, such as missing pieces, late delivery, and no longer needing the items, I promptly returned them. I possess and have submitted all necessary documentation, including drop-off receipts and screenshots of valid Return Merchandise Authorization ( RMA ) numbers. 

Despite providing irrefutable evidence and fulfilling all obligations required of me, the merchant has failed to refund the total amount of {$2800.00} for the returned items. It is important to note that I have been a loyal customer of Discover Bank for over five years and have always maintained an account in good standing. This dispute marks the first time I have ever felt compelled to escalate a matter to this extent with ANY Credit Card i own, due to Discover Bank 's refusal to uphold its responsibility in protecting my interests as a cardholder. I would like to request the following actions from Discover Bank : I urge Discover Bank to thoroughly re-evaluate the evidence I have provided. It is crucial that they accurately assess the information and acknowledge the clear and compelling documentation I have submitted in support of my dispute. 

And ultimately, Reverse the charge of {$2800.00} to my account, immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Items where deleted from my report, and return after being deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report when I noticed Items that was not authorized and I would like it to be removed. 
XX/XX/XXXX Experian/ XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$470.00} XXXX  XXXX XXXX XXXX  XX/XX/XXXX {$680.00} XXXX XXXX  XX/XX/XXXX {$1500.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XXXX  XX/XX/XXXX {$200.00} XXXX XXXX XXXXXXXX {$2600.00} XXXX XXXX XXXX XXXX XXXX, Used XX/XX/XXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX XXXX Home Furnishings Stores XX/XX/XXXX XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX XXXX XXXX XXXX  XXXX Credit Cards XX/XX/XXXX XXXX Finance Companies XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Automobile Dealers, Used XX/XX/XXXX XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX Finance Companies XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies XX/XX/XXXX Experian XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has reported me to all all 3 reporting bureaus as latepayments were made and XXXX never updated.
Product: Debt collection

The XXXX insurance was supposed to be billed and they insurance never got any bill. It belongs to my children who were XXXX at the time. They are kids and its not my account. I have called them that insurance said they have to reach back out to them. Which they refused to do so. And said they going to put on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX XXXX on my credit report, but I have no no knowledge of this account. Please validate in detail and remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX Account # XXXX, violated my rights. 
XXXX Account # XXXX, Violated my rights. 
DEPTEDXXXX Account # XXXX, violated my rights. 
US DEPT ED Account # XXXX, violated my rights. 
XXXX Account # XXXX, violated my rights. 
XXXX XXXX XXXX Account # XXXX, violated my rights. 
XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) Account # XXXX, violated my rights. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, violated my rights. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, violated my rights. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, violated my rights. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) Account # XXXX, violated my rights. 
XXXX Account # XXXX, violated my rights. 
XXXX  Account # XXXX, 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. States, a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

After making on time monthly payments, DiTech has decided to report me XXXX payments late to the credit bureaus. In addition, they continue to state i owe monies that i do not know. they claim it is due to escrow shortage however, my escrow statement from XXXX/XXXX/16 shows an overage.
Product: Debt collection

PORTFOLIO updated the balance of account XXXX by making a payment of XXXX $ to re-age the collection account that is not owned by me. This is aganist law FCRA Section 605 ( c ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a used vehicle from XXXX used car dealership in XXXX of XXXX at over {$14000.00} ( extremely high interest rate from their predatory lending ). The car was financed through Santander Consumer USA bank. I made my payments to them from XXXX until XX/XX/XXXX. With 5 more payments due on the loan, I traded the car into XXXX XXXX XXXX on XX/XX/XXXX where they paid off the remaining balance of the car loan. While XXXX was checking my credit report, they realized that my 6 years of payments to Santander wasnt listed on my credit report. Therefore I contacted Santander to see why it wasnt listed, and they claimed it was removed by my bankruptcy lawyer which is untrue because a lawyer doesnt have the authority to do so, only a creditor ( as in Santander ) can do that. My Chapter XXXX debt consolidation bankruptcy was filed in XXXX of XXXX and DID NOT include the car loan with Santander as I was making those payments directly to Santander. After numerous calls over the years of this loan, Santander refused to supply me with any information on my car loan. Today I was able to have them send me my payment history via email so that I can submit this complaint against this horrible and unprofessional company so that they can do the right thing and report my payments to the credit reporting agencies like they should have been doing for the past 6 years.
Product: Mortgage

I am in the process of applying for a home loan refinance with Chase bank and even though I have submitted all of the documents that they requested within two business days or less, I was informed that they needed more information. That was provided by the next business day however, I was then informed that I did n't submit all required documents within the 10 day limit and that I would have to pay an extra {$780.00} to keep my loan going. Now, I have submitted all additional documents and even though I still have 3 days remaining on my " rate lock '', they are telling me that I will have to pay for another extension to keep my loan going. 
All of the extra documentation was submitted as of last week and I was told last Thursday that my file was going to be reviewed on Friday. 
However, the reviewer did n't get to it on Friday because she had XXXX many files to do that day. I e-mailed asking why my file ca n't still be reviewed if I still have four days left until my " rate lock '' runs out and I 'm told that it they need an extension in order to finish my file and set up the closing. 
I have e-mailed the loan officer and the loan manager several times but ca n't get any other answer than that my file ca n't be finalized in the next 3 days before my " rate lock '' runs out and that they will need to extend the lock date at my expense. I have already been charged an extra {$780.00} ] to extend my rate lock due to Chase not being able to meet their own time frames and now they are trying to charge me again for another extension when I am in full compliance with their requests for information and they ca n't meet their own timeframes. I e-mailed the loan department manager and informed him that this is unacceptable and there is no reason that they ca n't review and finalize my file in the next three days that remain on my rate lock, especially since my file was set up to be reviewed last week. 
I have not ever once heard any response from this department manager on any of the e-mails that I have sent him or copied him on and still have no reason why I need to pay for an extension when there are still 3 days left on my rate lock. 
I 'm very disappointed, frustrated and angry with this whole application process and do n't see any reason that I should have to pay yet another penalty to Chase when I have been in complete compliance with all of their requests, etc. 
I really believe that my loan application with Chase is being mishandled and that I 'm being fraudulently charged for penalties that are not due to my timely response to their requests but to Chase 's inability and even refusal to act within their own timeframes. 
I do n't know what else to do. I want this loan but I really feel that I 'm being ripped off here. I did agree, reluctantly to the first penalty. However, I just ca n't give Chase another almost {$1000.00} when they still have 3 days to finish my loan and are refusing to do so. 
I really need someone 's help here. 
PLEASE HELP!
Product: Debt collection

Exeter Finance On XX/XX/XXXX, a contract was signed for a XXXX XXXX XXXX at XXXX XXXX XXXX. 
I provided my social security number in order to seek out financing for this vehicle. 
The total loan amount was {$41000.00} The bank agreed to participate in this consumer credit transaction for this vehicle on my behalf using my credit which I gave access to with the use of my social security card, or credit card pursuant to 15 USC 1602 ( l ) of Truth in Lending Therefore, I take the role as the original creditor due to my open end consumer credit plan pursuant to 15 USC 1602 ( j ) The bank can not be the original creditor because the role of extending credit is not a listed power of banks or financial institutions pursuant to 12 USC 1431 The bank becomes a creditor after I extended my credit to them with the use of my credit card The bank completed the transaction with the dealership which completed the consumer credit transaction The bank sent me letters stating that I am allegedly obligated to pay on a debt I have have with them for the auto loan This is a violation of the FDCPA 15 USC 1692b ( 2 ) I sent a letter to the bank requesting verification of the original creditor in this transaction.

I do not owe any debt to this bank due to my role as a creditor 15 USC 1692a ( 4 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the  item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible.
Product: Bank account or service

I was reviewing my an account and noticed a payment from XXXX two days ago that put my account in negative and was not even supposed to be taken out.So the his messed me up in depositing money as I was unable to cover this and what I was originally depositing into account to cover so as a result my account was charged a excessive overdraft fee for {$100.00} and today found XXXX did not even clear when it had time when originally submitted into my account plus another {$36.00} overdraft fee.I fear another {$100.00} plus {$36.00} will be added during the night aether I put money into account later today or not and wipe half my paycheck out just for this mess.
Product: Student loan

Called the lender as I am the co-borrower on this loan and I have been making the payments for over 4 years. As a co-borrower I have limited options with this loan. My call today was in response to an email from the lender stating that if having difficulty making payments to contact them, the very first thing offered was " FOREBEARANCE ''  that's what took this loan from {$18000.00} to {$23000.00} courtesy of the lender and borrower acting together. As it turns out the lender will not lower the current APR roughly ( 13 % ) and the only option is to refinance this loan with another lender unfortunately the borrowers Credit Score is below 600 and he suffered a XXXX  in XX/XX/2019 and is unable to work. The lender in question is NAVIENT
Product: Credit reporting, credit repair services, or other personal consumer reports

A debt of {$280.00} that was paid off and closed last year was not removed from my Experian credit report when it was disputed. I would like it to be removed as it is a closed and settled account and it has been that way for over a year. I have left a message with the collection agency ( XXXX XXXX XXXX, XXXX XXXX, NY ) and have not heard back from them. This one negative item is inhibiting me from getting a mortgage and has lowered my score immensely.
Product: Money transfer, virtual currency, or money service

I was getting my unemployment from NJ state though their prepaid card service Money Network. 
On XX/XX/2022 {$4800.00} was withdrawn from my Money Network account without my knowledge or approval to an unknown 3rd party. I learned of this transaction on XX/XX/2022 and proceeded to immediately contact Money Network to alert them to this unknown transaction. As per Money Network 's request, I submitted a written dispute on XX/XX/2022. On XX/XX/2022, Money Network rejected my dispute and said " ... no error occurred ... '' regarding this transaction. I appealed this finding upon receipt of the written letter, and my dispute was again rejected by saying " ... no error occurred ... ''. I have attempted upon multiple occasions to reach out to Money Network representatives by phone. The phone number on the Money Network Dispute rejection letter, XXXX, is a non-functional number. On XXXX separate occasions I contacted an alternative phone number for Money Network and I was disconnected due to an issue with the Money Network Phone system. None of these money network representatives attempted to reach out to me after the call was unintentionally disconnected by the money Network system. 
I state ; On XX/XX/2022, {$4800.00} appears to have been withdrawn from my Money Network account without my knowledge or approval. This withdrawal was facilitated by Money Network without my knowledge. The money appears to have been transferred to an individual unknown to me ; XXXX XXXX ( routing number XXXX, bank account number XXXX ). I have never interacted with any person named XXXX XXXX, nor do I have any knowledge of a person by this name. I have not provided any authorization to any XXXX party to use this account whatsoever. I have never made a payment of {$4800.00} to anyone. 
Neither Money Network, nor XXXX where the money were transferred willing to reverse the unauthorized transactions. 
XXXX appreciate if you take an action and help me out on my case. 
My reference case number with Money Network is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX XXXX  account # XXXX, XXXX To whom it may concern : Please consider this letter as my formal complaint against XXXX XXXX ( Army Air force exchange ) AAFES. 

I have sent certified/return receipt dispute letters to XXXX XXXX requesting verification of this account in accordance with FCRA. These dispute letters were received by them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX was unable to verify/validate this account in accordance with FCRA. 

After challenging this account with the credit bureaus directly, This account was removed. XXXX   XXXX then reinserted this account under a different account number ( XXXX ) without the 5 day reinsertion notice required by FCRA. 

As this account was hindering my credit worthiness, and with XXXX XXXX unwilling to correct their records, I decided to pay the full balance allegedly owed by sending a pay for delete letter and check. On XX/XX/XXXX I sent this contract along with a check for full payment as reported to the credit bureaus, in the amount of {$8900.00} in which they received on XX/XX/XXXX, and cashed on XX/XX/XXXX In the letter and written on the check were the following terms : By cashing this check, you agree to terms of this contract : -Show paid in full. 
-Remove credit items from reports -Cease collections Currently XXXX XXXX has yet to correct their reporting according to the contract. They are still reporting a negative collection account to the credit bureaus in the following amounts : XXXX  : {$1400.00} XXXX : {$8900.00} XXXX : {$1400.00} I implore your agency to please assist me in having this unverifiable, and paid in full account, removed from reporting on my credit files. XXXX XXXX practice is highly damaging to my credit and i would be remiss not to request your assistance with this issue. 

All return receipts, letters sent, and evidence available upon request if not included in this complaint. 

Thank you for your time and assistance in this extremely important issue : My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX CC : CFPB CC : XXXX CC : Attorney Generals office : XXXX XXXX Office of the Attorney General XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX U.S. Department of Justice XXXX XXXX XXXX, XXXX Washington, DC XXXX XXXX XXXX Office of Attorney General State of Florida The XXXX XXXX XXXX, FL XXXX
Product: Checking or savings account

I was notified by my credit monitoring company XXXX and XXXX that two bank accounts were opened using my SSN within days of each other at Bank of America and XXXXXXXX XXXX. I called both banks and was told that they were not able to find an account in their system using my SSN. I reported both to their fraud departments via email including a photo of the XXXX alert. I verified that both appear on my XXXX account, and the notification was genuine. All of our credit is and has been locked, and I placed a fraud alert as well.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.