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

1. XXXX 2. XXXX XXXX XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 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

I have been applying to received my credit report from Equifax and XXXX. With Equifax I received a letter stating again I had to submit proof of my id due to they can not find me in the system. This time they sent the name as XXXX XXXX XXXX. They keep sending me letters asking for proof of id but sending it in the wrong name.
Product: Credit reporting or other personal consumer reports

Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required XXXX notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.
Product: Debt collection

This debt has been paid in full back on XX/XX/2016. It was paid online my reference number is XXXX.
Product: Debt collection

It says comenity bank on the caller ID they call after hours and call continuously. I do not owe a debt. The last time I answered I call like this I was fooled and they got my info. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Do you see the notation on the CFPB web site ... '' INVESTIGATION YOOK MORE THAN 30 DAYS ''. That is the law. YOUR INVESTIGATION TOOK MORE THAN 30 DAYS THEREFORE, WHAT YOU INVESTIGATED OR WHAT THE COMPANY TOLD YOU AFTER THE 30 DAYS IS IRRELEVANT. YOU DO NOT GET ANOTHER 30 DAYS. THAT IS NOT HOW THIS WORKS. STOP BEING COMPLETE IMMORAL MORONS. 

DELETE THESE ITEMS BECAUSE YOU ARE BLATANTLY BREAKING THE LAW.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow-up complaint regarding my prior complaint that disputed these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block the listed items for they are erroneous and must be dealt with
Product: Debt collection

After months of research and speaking to Legal Aid in Delaware and California I have come to discover that I am a victim of Sewer Service from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Aid in CA was 'too busy ' to help me so I am on my own. 
I never was served and this lawsuit is a fraud. 
On XX/XX/XXXX they placed an illegal hold on my Chase Account for {$43.00} and proceeded to steal the {$43.00} from this account on XX/XX/XXXX. 
I am requesting this money be reimbursed since it is an illegal action and I am a victim of Sewer Service. 
I have attached documents showing the hold and the falsified court documents they sent me. 
XXXX XXXX XXXX XXXX and XXXX XXXX XXXX claim to have served me in XX/XX/XXXX and on XX/XX/XXXX neither happened, so I was actually a victim of Sewer Service twice. 
I have now become aware of what Sewer Service is and I know it is highly illegal. 
What is surprising is that Chase Bank allowed the theft to happen even though I informed them the lawsuit against me was fraudulent. 
I am currently XXXX and have been since XX/XX/XXXX so I am unable to work. I am awaiting a hearing from Social Security which takes at least 600 days to be seen so my case is still pending and I do not collect XXXX at this time. 
I am being victimized and have been haunted by this fraudulent lawsuit and companies for several years now. Please help me resolve this matter and hold the fraudulent companies accountable for their illegal actions.
Product: Debt collection

On XX/XX/2022 I sent a letter of verification of debt to Southwest XXXX. I have not received any letter verifying I owe a debt. But, they reported the old collections to XXXX as a new collections today, XX/XX/2022. This dropped my credit score and is stopping me from establishing new lines of credit and buying a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I went on to the XXXX and ordered all three credit reports from XXXX, Trans Union, and XXXX. <P/>I only received one from Trans Union, which was dated as XX/XX/XXXX, and file number : XXXX, which contains all the same information with different collectors name on it. This is further committing FRAUD on the part of those on the report, since all the prior loans were defaulted and non-response on validation. I wish to be compensated for the damage this Trans Union slandering my reputation with non-existing accounts they created. Trans Union is supposed to verify the validity of the account before they put on the credit report. I wish to be compensated by Trans Union for each alleged creditor {$1000.00} which is XXXX times XXXX equal to XXXX by XX/XX/XXXX, and Trans Union is agreeing to pay me {$500000.00} by XX/XX/XXXX, if I do not receive the XXXX by the end of XX/XX/XXXX. <P/>Because of their Fraudulent report, me, my son, and my daughter had to suffer paying higher interest, and denied employment, denied credit card, and denied to a loan. <P/>For the XXXX, who used somebody else 's name on my request and denied report this year, I wish to receive the perfect, clean credit report from XXXX before XX/XX/XXXX. After this date, if the XXXX does not send me the clean, perfect credit report, XXXX is agreeing to pay me {$50000.00} dollar by the end of the XX/XX/XXXX. <P/>For the XXXX, who reported all the defaulted on validation for alleged loans, I wish to receive perfect, clean credit report by XX/XX/XXXX, if not, XXXX is agreeing to pay me {$50000.00} dollar by the end of XX/XX/XXXX.
Product: Student loan

I have been dealing with so -called navient for a few years now. Orginal school was XXXX college but i guess its convert to XXXX college. Sallie mae was the loan server that is display on the promissonary note. I dropped out of school in the first month because the school was misleading. During that time XXXX tried to get a loan from salie mae but was denied. I contacted XXXX college to look for my information but they have no record of me Navient claims i owe XXXX dollars But they cant provide proof of my signature that i accepted this loan amount but they did send me a letter saying i was denied the loan so where did this money come from? seek supporting documents.
Product: Student loan

This is several years old, but I saw there is action against Navient, so I thought I would share my complaint. I began repayments ( originally to XXXX XXXX and then Navient ) in XXXX after finished XXXX school. My original payment was {$340.00} on approximately {$60000.00} in loans. I always tried to pay extra, as the company was applying the bulk or all of my payment to interest. This ranged from payments of $ XXXX, depending on what I could afford. In XXXX, my payment moved up to {$390.00}. Again, still payments only going to interest for parts of the year. I paid this through XXXX, when I started paying $ XXXX/month ( not my actually payment due, but what I could afford to try to pay off faster ). In XXXX XXXX, I went back to XXXX school. I was working XXXX, so continued my payments ( or intended to ). At this time my " official '' payment was $ XXXX/month, but I had been paying {$500.00}. In XXXX, I received notice that my loans were in deferment. I immediately called the company, informing them I did not request deferment, and was able to continue to pay. I was in school but working XXXX. I spoke with multiple staff and managers, simply asking that my payments be reinstated to the {$400.00} I was paying. They refused, stating that because it went into deferment, my interest had capitalized, and they had to change my payment and repayment schedule. I repeatedly told them I had never requested the deferment and got nowhere. My payment was increased to {$450.00} per month, which I pay today. I did not take on additional loans for my second round of XXXX school. After 17 years of faithfully paying monthly what is now over {$80000.00}, I still owe {$35000.00} on loans that were originally {$60000.00} because of the way payments are applied so heavily to interest. I am XXXX years old with XXXX XXXX. I am the XXXX. If they are able to XXXX me over this way, I 'm sure others are getting it much worse. I will have the loans paid off the year my oldest child goes to college, and will have paid well over XXXX the original principle of the loans.
Product: Student loan

Navient is incorrectly handling payments and providing incoherent responses to complaints. From " When approved for an IBR '' to " Interest accrues daily on your loan. '' is already known and does not address the issue at hand. Provide method for review to confirm payments were applied accurately. Provide the evidence stated by Navient " We've confirmed that you updated your account preferences on XX/XX/2020. '' The correct amount due for XXXX is {$100.00}.
Product: Credit reporting or other personal consumer reports

I had an old XXXX XXXX XXXX  which I used once this year in XXXX for {$36.00}, which I immediately paid off. Then in XXXX got a statement from old navy/barclays saying I owed $ XXXX and I immediately called and told them I hadnt used my card since XXXX and reported the usage over summer as fraudulent and asked they close my account. They said they closed it and reported the transactions as fraud. I had this same conversation about 8 times and kept getting called daily by Barclays, they insisted there were notes on the account and it was reported as fraud and closed. Then I got notification from the credit bureau that my account was in collections cause of Barclays. I called Barclays, they apologized and said that the previous people hadnt marked the transactions as fraudulent and that she was going to do it and send me a letter regarding the investigation. I got the letter, then my credit score went back up a little bit but not fully. I called again and was told that my balance was XXXX and not to worry cause the fraud was under investigation and it would be reported to the credit bureau as fraudulent. Now I went to apply for a home loan to buy a home and was denied because of this on my account, and speaking with XXXX they say Barclays did not accept the fraudulent report and lied to me, about 7 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB complaint # XXXX trans union updates a false claim on my credit report further more have shown documentation that trans union is claiming they is validating debt off of. Furthermore it states I disputed personal information on my credit name, employer etc. thats my right under the fair credit report act - trans union also removed over 5 miss-spelled name over 4 incorrect address etc.
Product: Debt collection

XXXX XXXX XXXX is attempting to collect an alleged debt for PAYPAL from 2015. 
my PAYPAL account has a zero balance and i am not aware of any outstanding balance. 

addtionally i have no knowledge of this debt nor have i recieved verification of debt owed form 2015. 
New Jersey has a statute of limitations of six years on all types of loans, including those from written contracts and credit cards. If a consumer 's debt is more than six years overdue, the lender can no longer take action in order to collect the debt.
Product: Checking or savings account

Someone stole my card information and made fraudulent purchases from XXXX on my debit card. I have absolutely no knowledge of these purchases. I submitted a dispute for the transcations, a long with proof from XXXX stating this purchases were fraudulent and Chime denied the dispute. My money is not secure with Chime.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to improve my fico score so I can move my family into a better living condition. 
I have taken steps to call all the creditors on my report that are showing negative on my fico score. Each one stated I would have to dispute the account so they can move forward to delete, remove, or erase it from my report with their response. I have a copy of the creditors that were deleted from my XXXX Credit Report to show the creditors that responded back with the delete, remove, or erase statement. I have called several times to SYNCB/JCPENNEY on XX/XX/2021 and on XXXXJCPENNEY stated they would be happy to put it in their system to delete, remove, or erase it from my report with their response. On XX/XX/2021 I got a copy of the revised updated report from XXXX, XXXX, XXXX with the same old information?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax should not be reporting me as an authorized user on the XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Checking or savings account

I woke up to 4 welcome emails this morning from Bank of America congratulating me for an Advantage SafeBalance Banking account that I did not open. When I attempted to call to inquire about the fraudulent account, I was unable to get past the first prompt of the automated system because I didnt have an account number for a XXXX XXXX When I searched online to see if this was a common issue, I saw several posts on XXXX from others, dating back to very early in the year, who have experienced the same problem. Bank of America is clearly not requesting the right information to open a new account and criminals know that when a consumer catches wind of it, they wont be able to fix it before the damage is done. Bank of America needs to remedy both of these issues asap.
Product: Credit card or prepaid card

After being a valued customer with Capital one bank for over 10 years, every single credit card that i had with them was abruptly closed without adequate explanation. This is in violation of federal consumer and credit laws. This has caused me and family emotional and financial stress, as a Consumer who has banked with this company and received services from and given my services to i am appualed at this discrimination. I am the original creditor, and my business has allowed for capital one to receive an abundant amount of money and interest from me banking with them, giving them more business by word of mouth, the ability to extend loans to other consumers, the use of my social security card number to receive funds, insurance and interest from the use of my signature, social security number and applications. all the while they have raised interest fees, added on additional fees and and have closed all my accounts, which have been my very first accounts. I don't believe that Capital one bank has acted in good faith or in inequitable manner for me.
Product: Credit card

Hello, On XX/XX/XXXX, I purchased an XXXX for {$2500.00}. I used the American Express XXXX It feature to pay off as I go. However, on XX/XX/XXXX, I canceled the airbnb and received a credit. When I logged in to check my balance, my XXXX for the airbnb was still active- and my statement balance did not reflect the credit that I had received for the XXXX. My statement balance ( which included the XXXX balance ) was {$2500.00} too high. On XX/XX/XXXX, I contacted Amex to cancel the XXXX and receive an adjustment for my statement balance. The Amex customer representative attempted to adjust my statement balance by issuing a credit ( reflected as a credit on XX/XX/XXXX, " XPL CR ... " ). However, the adjustment was done incorrectly because the representative also applied a charge ( reflected as charges from Amex on XX/XX/XXXX, starting XXXX XXXX XXXX... ). So effectively, the credit canceled out the debit, and my statement balance was never properly adjusted to reflect the XXXX cancellation. Now, I have contacted Amex multiple additional times and they refuse to properly adjust my statement balance to reflect the canceled XXXX. 

I am attaching screenshots of my conversations with Amex. Apologies, they are not ordered chronologically ( I have already invested XXXX hours into these conversations and have a very busy job as an attorney and don't have time to invest more time- but can provide more documentation if you need ). 

The Amex XXXX It feature needs to be investigated. Consumers - please beware of using any Plan It programs through Amex. Typically, I would just pay this kind of charge to save myself the headache and time, but I can not afford a {$2500.00} additional charge.
Product: Checking or savings account

I had matched with someone on XXXX ( XXXX dating app ) they had mentioned some inheritance money that they needed to transfer and move and i said no to begin with. we talked for another month or two before i gave in and said i would let them use my bank account to transfer funds where they needed to go with the hope that i could make a quick buck. I unfortunately gave my banking information to them as the girl said the lawyer needed it to make sure that i do not take all the money and leave so i obliged. The first half of the inheritance money came into the account around XX/XX/XXXX and was transferred out over a few days without any hiccups for a total of $ XXXX that was transferred out through XXXX with bank of america XXXX Three weeks later the second half of the money was to be deposited however due to a fraudulent check noticed by bank of America they had stopped and froze my accounts and are still in the process of closing my accounts for the date is XX/XX/XXXX when they will close my accounts. I have since cut off all communications with this person and i have screenshots of the girl and her lawyer trying to get me to give out my new banking information as they 'wanted to make things right ' because i was now in debt to bank of america for the initial {$9800.00} that came into and was transferred out of my account using XXXX  XXXX the 'lawyer ' i spoke with was wanting information that did not need to be given in order to send me the money to my new bank account in order to pay off the debt i now had with bank of america however i did not give out any information and have since filed a police report with the local north port police with the hopes to get the negative account balance corrected and for me to get the remainder of my funds back from bank of america , a total of {$3400.00}. throughout this whole endeavor none of my money was touched or moved however i now have that {$9800.00} negative balance that i am trying to get corrected as bank of america can not help or reverse this due to the fact that 'the transactions and security codes used were from a known device '
Product: Debt collection

I have asked Hunter Warfield to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Mortgage

Since XX/XX/2021 I have been working with flagstar bank to get my loan reset from covid 19 forbearance program today I was told that they can help me it closed out yesterday, I have summitted the same requested documents and have proof on their webiste since XXXX. They are not wanting to help me they just keep asking me to submit documents that they already have. I dont want to lose my home
Product: Student loan

I sent the email below to Navient on XXXX XXXX XXXX to have them take off an unauthorized forbearance on my accounts that had been placed without my permission. I received a template letter on XX/XX/XXXX stating that they would look at the situation and never heard back again. The original forbearance expired but they have now placed another unauthorized forbearance on my account on XX/XX/XXXX. 

Original email : My name is XXXX XXXX loan number XXXX. We were not affected by any of the storms in my area and I did not authorize Navient to put a forbearance on my account. I do not authorize Navient to put any forbearances on my account in the future without my express consent. 


I want my loans put back into the same status they were in prior to the forbearance, so I can access the payment plans available to delinquent borrowers. and my repayment options sent to me in writing.
Product: Credit reporting or other personal consumer reports

I have been trying to convey to these accounts that are in collections that they do not belong to me. The following is the accounts I want removed from my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts show as collections and closed accounts because I never opened them nor used them Someone used my information and opened these accounts without my consent I am asking to please remove them from my credit they have destroyed my prospects of ever buying a home or even a decent car