23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I submitted a request back in XX/XX/XXXX to deactivate the overdraft protection between my checking account and a credit card account I have with USAA. The overdraft protection did not work as I thought it would ; it offered no financial benefit to me and it actually cost more money to utilize. On XX/XX/XXXXthere were financial transactions that processed on my checking account. I realized there were not sufficient funds in the account to cover all the transactions, therefore I transferred money from my savings account to cover the transactions on my checking account. Inadvertently, USAA utilized the overdraft protection, which I was not aware remained active on my account. OnXX/XX/XXXX I was advised by XXXX XXXX that he would resolve this matter. Since that time I have left weekly messages for XXXX XXXX, with no response. Additionally, my credit card was assessed additional interest fees onXX/XX/XXXX USAA did credit the interest that accrued for the month of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to REMOVE my fraud alert and REMOVE all personal statements with Experian, XXXX and XXXX. I need the ALL PERSONAL STATEMENTS AND FRAUD ALERTS REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX Account # XXXX {$1500.00} Wrong Amount XXXX. XXXX XXXX Account # XXXX {$1500.00} Wrong Amount XXXX. XXXX XXXX Account # XXXX {$1000.00} Wrong Amount XXXX. XXXX XXXX Account # XXXX {$330.00} Wrong Amount XXXX. XXXX XXXX XXXX Account # XXXX {$450.00} Wrong amount XXXX XXXX XXXX XXXX Account # XXXX {$800.00} Not Mine XXXX. XXXX XXXX XXXX Account # XXXX Paid and was suppose to be removed XXXX. XXXX XXXX XXXX Account # XXXX Paid and was suppose to be removed XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account XXXX XXXX {$430.00} Wrong amount XXXX. XXXX Account XXXX XXXX {$430.00} Wrong amount XXXX. XXXX Account # XXXX Paid and was suppose to be removed These accounts has violated my rights : 15 U.S.C 1681 Section 602 A - 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c ( a ) ( 5 ) 15 U.S.C 1681s2 ( A ) ( 1 )
Product: Student loan

We have been dealing with my student loan servicer Navient since XXXX on securing an extension of my previous forbearance that was approved by Loan Holder XXXX for the year XXXX. This forbearance was do to hardships I have incurred over the past five years that has resulted in us becoming financially in trouble. I have had numerous health scares. Due to these scares and the recent pandemic have become unemployed since XXXX. My wife is our sole income generator she currently works at XXXX XXXXXXXX XXXX where she XXXX XXXX XXXX XXXX she has conducted this research for over 20 years at various XXXX. Not only can we not afford to pay our loans at this time but I believe Navient has been acting in bad faith for the last 9 months in helping us with our loans. I have corresponded with them many times through the mail with various forms and letters to try and resolve my loan but to no avail. I am constantly receiving calls and letters stating they have not received all the proper paperwork, that we are not eligible, that information can not be verified. I receive at least 35 calls and voicemails a week from Navient, not to mention letters weekly. It seems like they keep stringing me along at this point so they can keep compounding the interest on my loan and charging me. My loan holder just keeps referring back to Navient. Finally last week was the final straw. Even though we have communicated via mail and email THEY CALLED A DISTANT RELATIVE IN N.C. LOOKING FOR ME
Product: Credit card

I purchased a {$1100.00} washing machine in XXXX 2015 on my Sears Mastercard with no interest, deferred billing for 12 months. In XXXX, 2015 I did a balance transfer to the same XXXX for {$4300.00} using their Convenience Check sent in the mail. In XXXX 2015, I purchased for my mother a {$1500.00} refrigerator using the same XXXX. Of the XXXX options at the time of purchasing the refrigerator, I opted for a 5 % discount on the price by using my credit card. The other XXXX options were deferred billing or free delivery. I had created a budget to pay off these charges within the time frame and have been making steady payments. Knowing that I was going to pay off the refrigerator in full when the statement came, I noticed that on my other charges Sears has been allocating like 98 % of my monthly payments to the large balance transfer ( which cost me an upfront fee of {$140.00}, and it IS NOT accruing interest like the washing machine is ). Upset by this and more importantly, I was worried that the refrigerator ( as a current charge ) would not be paid in full, even though I was paying it in full, I called Sears. I found out today exactly what I had feared. I had paid {$1800.00} this month of which Sears DID NOT allocate the full {$1500.00} to my refrigerator and now I have an interest charge on it! They paid around $ 1100+ and the rest of my payment went to the balance transfer, not even the washing machine which has {$170.00} of deferred interest. The Manager in North Carolina would not help me. I was given a bunch of rhetoric. I was told that if I had managed my account better this would not be the situation. They love to say " there is a hierarchy payment structure. '' I was told her hands were tied. So, I told her that I was filling out this complaint as we spoke. She said, " You got to do what you have to do. '' I told her I am and that you guys would be my muscle. She called me back in about XXXX minutes and left a message that they would pay the refrigerator in full. But, a bigger problem still persists. What started out as a 12-months, same as cash offer to pay off the washing machine has now been squeezed into a 5-month same as cash to pay the remaining balance of {$1100.00}. It 's been 7 months since I have been making payments and that balance has gone down by only {$15.00}! This is criminal. I now have 5 months to pay off {$1100.00}. I am so upset and feel so abused by the banking system. Please help me. I do n't know how I 'm going to get that {$1100.00} paid in full by XXXX to prevent the {$170.00} in interest. I still have a balance due on the balance transfer. No matter what I pay, they refuse to allocate any money toward the washing machine. My reality is that I have to pay around {$3200.00} by XXXX to avoid paying {$170.00} in interest. You have done a tremendous job in credit-card reform with how statements read concerning revolving debt and payments. This is the next major assault that you have to blow the lid off. I am desperate.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my most recent consumer report, I noticed you are furnishing accounts that violates my Fair Credit Reporting Act rights that Congress gave me as a consumer. The reporting of this account has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit obligations for personal purposes. Ultimately your negligence has damaged my livelihood and my ability to grow in life using credit. 

A charge off is a severely delinquent account that the original company decided to not collect on any more due to their company reasons. The FCRA law I break down literally explains that a Charge off, which is a severely delinquent account aka a transaction, is not included in the consumer report! And by it reporting to my consumer report its a violation its illegal because crime at a federal level is illegal and violations to my FCRA rights are Federal Crimes! 


15 U.S. Code 1681a Definitions ; Rules of Construction, ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 


Transactions or experiences are not included in the consumer report yet this charge off is on my consumer report. A charge off is a severely delinquent payment. A delinquent payment is a form TRANSACTIONS. This charge off reporting to my consumer report is an EXPERIENCE between myself and XXXX XXXX. 

You are HEREBY put on NOTICE that you are furnishing inaccurate information. 
XXXX XXXX XXXX ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT 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. 

How are you following reasonable procedures to assure maximum possible accuracy with this account reporting to my consumer report? Without Permissible Purpose, anyone paying for your reporting services could fax, mail or email fraudulent information to my consumer report. 

15 USC 1681b- Permissible Purpose of consumer reports- ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I hereby put you on notice. I DID NOT GIVE YOU WRITTEN INSTRUCTIONS to report THIS ACCOUNT TO MY CONSUMER REPORT In conclusion, I have shown you and put you on notice that you are in CLEAR VIOLATION of the FAIR CREDIT REPORTING ACT. 

DELETE THE ACCOUNTS REFERENCED ABOVE FROM MY CONSUMER REPORTS IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I was diagnosed with a XXXX that rendered me unable to work and was placed on retirement status ( Federal XXXX Pension ). I informed Capital One Union Plus of this information. I even received a XXXX grant from the Capital One Union Plus Credit card during the period that I was waiting for my retirement benefits to process. Capital one said they understood and would wait until my annuity began before taking any action on the account. The federal government took over a year to process my pension. Capital one did not wait and closed my account. Several times as noted in my XXXX phone log, between XX/XX/XXXX - XX/XX/XXXX I have called Capital one to pay the account as my pension was finally processed. They declined accepting the money to pay the account and then sent the account to collections ( XXXX ) instead on XX/XX/XXXX. Both Capital one and this collection agency are reporting negatively on all XXXX of my credit reports. None of this would have happened if Capital One would have accepted the payment at the time it was offered before the account was sent to collections. I feel like these are devious and unscrupulous games geared toward harming and/or discriminating against the XXXX.
Product: Debt collection

This debt was a result of identity theft but I was unable to dispute it as both XXXX  and XXXX  verified it as accurate. The debt was then paid through a collection agency in XX/XX/XXXX, as of XX/XX/XXXX the debt is now back on my credit report under a new collection agency even though it was paid in full.
Product: Credit card or prepaid card

I received an Elan prepaid card from the Oregon XXXX. It has now been declined for the last 48 hours. The web-site is down and when I used the automated phone system, it said the 3 digit security code did not match their records. I have now been on hold for 25 minutes trying to reach a live agent. This may get resolved with Elan, but the fact that this happened at all is poor.
Product: Debt collection

LNVN Funding sued me for a debt collection on XX/XX/XXXX. I obtain an attorney to represent me in this matter. 

On XX/XX/XXXX my attorney submitted this to the court : DEFENDANTS ORIGINAL ANSWER TO THE HONORABLE JUDGE OF SAID COURT : COMES NOW Defendant XXXX  ( hereafter Defendant ), and files this Original Answer. Defendant would respectfully show the Court the following : I. GENERAL DENIAL 1. Defendant enters a general denial to the allegations, each and singular, contained in Plaintiff 's Original Petition pursuant to Rule 92 of the Texas Rules of Civil Procedure.

II. DEFENSES 2. Limitations : Plaintiff 's breach-of-contract claim ( and alternative claims, if any ) may be barred by the applicable statute of limitations. Defendant may conduct discovery to determine whether the facts in this case support the defense.

3. Offset : Plaintiffs breach-of-contract claim ( and alternative claims, if any ) may be barred by the failure to offset amounts already paid. Defendant may conduct discovery to determine whether the facts in this case support the defense.

WHEREFORE, PREMISES CONSIDERED, Defendant prays that the Court deny any and all relief sought by Plaintiff and enter a take-nothing judgment against Plaintiff. Defendant prays for general relief. 

On XX/XX/XXXX the firm representing LVNV Funding submitted this to the court : PLAINTIFF 'S NOTICE OF NONSUIT WITHOUT PREJUDICE Plaintiff, LVNV Funding LLC ( " Plaintiff '' ), hereby files this its Notice of Nonsuit Without Prejudice as to the above referenced cause of action asserted against XXXX. 

On XX/XX/XXXX the Judge ruled with this : ORDER On this day came on to be considered the Notice of Nonsuit Without Prejudice filed by Plaintiff LVNV Funding LLC. The Court, being advised of Plaintiffs nonsuit, hereby ORDERS that the above-entitled and numbered cause be dismissed without prejudice as to re-filing of same as to the above referenced matter asserted aganist Defendant XXXX  with all cost taxed to the party incurring same. 

On the same day I received this from my attorney : Dear XXXX  : Congratulations!! We successfully got your lawsuit dismissed. Your case is over, and you don't have to pay the debt. If there are any fees remaining, they will be charged in accordance with your retainer agreement with the law firm.

This concludes our representation of you on this matter. Please contact your case manager if you have any questions, and thank you again for choosing The XXXX XXXX XXXX to help you with your lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX A XX/XX/XXXX EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The alleged debt that has been reported on my consumer reports is the amount of {$16000.00}. I never received any notice of alleged debt to dispute. It is a defamation of my character/reputation. I have reached out to the company to dispute the alleged debt and am waiting on a response.
Product: Student loan

today XX/XX/2020 I submitted a Public Service Loan Forgiveness Employment certification form to my HR department to complete and apply towards my loan forgiveness. I was informed by the HR department that I currently have a Per Diem job code and not " full time or part time '' therefore, could not check off one of the only boxes that is provided on the form. I currently work at a XXXX  in a XXXX XXXX XXXX, helping XXXX XXXX  XXXX, I also work in the XXXX XXXX and XXXX XXXX XXXX helping the XXXX population. Since XXXX I have been working over 36 hours it has been around 48-52 hours weekly. I was under the impression that I could do this since on the instructions of the PSLF, page 5, under employment eligibility, 4th paragraph, it mentions, " Generally, you must meet your employer 's definition of full-time. However, for PSLF purposes that definition must be at least an annual average of 30 hours per week ''. This leads me to believe that PSLF had other options of verifying as long as 30 hours per week were verified. I called Public Loan Forgiveness today and spoke to a supervisor, XXXX, with badge number XXXX or XXXX and she mentioned that my employer had to select either full time or part-time and that there were no other options that could be considered to verify the average hours per week. I asked why there were no other options, and read out loud the instructions on page 5 and informed her how this paragraph is misleading and appears to have a system flaw. I informed her that the majority of XXXX in the U.S. are considered government organizations and how Per diem options were being over looked, specifically for XXXX as there are 3 codes : full time, part- time and Per diem. I was informed since my employer does not want to check off full-time or Part time then my certification would be denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$27000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - I submitted an application for rental unit. They reported an eviction on the consumer report. The information I provided shows this case was dismissal without prejudice on XX/XX/XXXX.
Product: Debt collection

I have notified LVNV FUNDING that I was a victim of Identity Theft, my wallet was stolen, I provided LVNV FUNDING with a Identity Theft Affidavit. To date, LVNV FUNDING has failed to remove this account from my credit file. So, I am in need of your assistance in getting this account removed from my credit file.
Product: Credit reporting or other personal consumer reports

I contacted Experian on XXXX XXXX. 

I have tried to get a house and was denied because they are putting things on my credit that are false and ruining my defamation of character. According to 15 U.S.C 1681 B this is a violation of my fair credit rights act.
Product: Credit reporting or other personal consumer reports

Credit Acceptance XX/XX/year> and XX/XX/year> Payments never late! 
They did not make adjustments I've reported to the credit bureau and they did not update the account XXXX XXXX XXXX {$6300.00} Account not mines! This was uploaded to XXXX multiple times it clearly states from a judge that I am not a named party
Product: Debt collection

I see multiple XXXX  days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Prepaid card

Originally, I was able to successfully transfer funds 3 times from my Way2Go account to my checking account. My fourth attempt failed. I was not notified of the reason. 

After speaking to customer service, I was told that there was a fraud dispute and I needed to email an unpublished email address ( XXXX ). I submitted the requested documentation. I was not notified of approval or denial, but further attempts to transfer funds failed. 

I called again and was told the fraud department denied my claim. I was told to submit different documentation. This series of email-wait-fail-call happened multiple times. They were never able to help me. 

Eventually, my ACH information was approved by the fraud department. But transfers still did not work. I called and asked to resolve the issue, but they were simply confused as to why it was approved but still not working. I asked to close the account and they said they couldn't. 

I have been unable to access my benefits in 4 months. If you XXXX " Way2Go card '', you'll find dozens of XXXX threads from all over the XXXX with people having similar issues.
Product: Debt collection

A violation of fair debt collection practices Act of an alleged debt owe. Portfolio Recovery Association XXXX XXXX XXXX. Had a judgement for the total amount of XXXX. And took money from Michigan tax return for the amount of {$470.00} for the tax return of XXXX. 
Then on XX/XX/XXXX took money from a XXXX bank  account in the amount of {$570.00} As well as of XX/XX/XXXX cashed a {$2000.00} money order. 
As well as took money from a XXXX bank account XX/XX/XXXX in the amount of {$670.00}. XXXX Also took {$41.00} from XXXX bank account Exceeding the amount of {$2700.00} This business practice is unlawful and unethical
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is reporting a bankruptcy on my credit report. The bankruptcy courts told me that they do not verify that information to the credit bureaus. The bankruptcy on my credit report was pulled from a third-party reporting agency, therefore it needs to be deleted. Once it 's deleted, I want proof that it has been deleted off my credit reports.
Product: Debt collection

I am writing to express my deep concern and frustration regarding the presence of an alleged debt on my credit report, account number, which has been reported by your company. I have made several attempts to address and rectify this matter, both with LVNV Funding LLC and XXXX, to no avail. 

This wrongful collection entry is adversely affecting my professional career and hindering my ability to secure favorable interest rates. Despite my persistent efforts to resolve this issue, the negative impact on my credit score continues to persist. 

I hereby demand the immediate removal of the aforementioned collection account from my credit report. Furthermore, if LVNV Funding LLC believes that this debt is legitimate, I request that you provide me with physical evidence of the debt, including a signed contract or agreement bearing my signature. 

I am fully aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), and I expect LVNV Funding LLC to adhere to the legal obligations outlined in these acts. Failure to comply with these regulations may result in legal action to protect my rights and seek damages for any harm caused to my professional and financial standing. 

I anticipate your prompt attention to this matter and request a written confirmation of the removal of the collection account from my credit report within 30 days of receiving this letter.