23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

The service provider, XXXX XXXX XXXX, has not correctly calculated my payments credible to the Public Loan Service Forgiveness Program. I alerted them in XX/XX/2018 and escalated it in XX/XX/2018 to the ombudsman office. This issue has still not been resolved. I have also contacted XXXX XXXX 's office and the Department of Education who closed the case out without resolving the issue. I am attaching all the payments I made. There was a miscalculation on how the payment was applied, which is affecting the credible payments. I can show all payments were timely, yet this is still not resolved. I am missing around 3 years of payments. 

Thanks, XXXX XXXX, XXXX
Product: Credit card or prepaid card

Our company was charged {$120.00} on XX/XX/XXXX by XXXX on a Bank of America credit card that was closed in XX/XX/XXXX. The charge was erroneous, XXXX set us a refund via check in XX/XX/XXXX. We were unaware that the charge originated from a Bank of America credit card since our account had been closed since XX/XX/XXXX. 

The Bank of America representative we spoke with on XX/XX/XXXX told us on that companies can make pre-authorized charges to credit cards via " adjustments '' regardless of whether such an account has been closed. 

Is such a practice allowed? If so, why is it permissible for a credit card company to accept such a charge despite closing our account? 

We are being charged interest for this which the bank refuses to waive because it's not a " bank error ''. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible, and been trying to call the credit bureaus for the past weeks now but their automated system is not user friendly and it just keeps on wasting my time. Please remove those alerts asap so that I can move into my new home. Thank you.
Product: Debt collection

I looked at my credit report in XX/XX/2017 and saw a collection from Convergent that was negatively impacting my credit. I was not certain if this account belonged to me. I sent a letter to Convergent on XX/XX/17 asking them to verify if this account did indeed belong to me. Convergent responded shortly after with an attachment from XXXX in which the debt was for. However, the amount in the attachment convergent sent me was less than what convergent is reporting to the credit bureaus that I owe. I believe this to be a violation.
Product: Credit reporting or other personal consumer reports

I kindly request that you provide me with a written explanation of the results of your investigation and any actions taken to correct the inaccuracies in my credit report. 

I specifically want the detail process in which whom transunion is verifying this information with?? 

Transunion Could Not Possible Verify With The Courts Listed At XXXX XXXX XXXX XXXX As I Contacted The Court Myself ( Written Proof Attached ) TransUnion Also Did Not Verify With XXXX ( Written Proof Attached ) TransUnion Also Did Not Verify With Pacer ( Written Proof Attached ) So Please Provide Written Documentation As To Whom You Are Verifying This Information With?? Furnisher Name & Address? & If You Can NOT Provide Proper Documentation Delete Immediately From My Report & Mail Me A Updated Copy
Product: Student loan

I attended a XXXX college in XXXX where they applied for a private loan from Genesis while attending. I believe I was given false information to attend their school ( XXXX college ). I understand that there were a settlement agreement in which I should have received something in the mail in XXXX of XXXX.
Product: Credit card or prepaid card

I am a consumer of the chase sapphire reserve credit card which I have had since XXXX when it was first launched. On XX/XX/XXXX I tried to transfer XXXX points to my Marriott account via the Chase system as they are a verified travel partner and Chase was offering a 50 % bonus on transfers to Marriott. As such I should have received XXXX Marriott points into my account. Each point can be redeemed for XXXX cents, so these points were worth ~ {$1600.00}. 

As per the chase policy I could only transfer points to a travel partner account which has the same name as my chase account or to a verified household member registered to my chase account. During the transfer the Marriott account number was incorrect by one digit. Instead of XXXX, the chase transferred the points to XXXX. 

When I contacted Chase about this issue when the points did not make it to my Marriott account, they reassured me that this was a mistake and that it will be rectified and I will hear by physical mail in 10 days. In late XXXX, I got a letter saying my claim has been rejected. When I called Chase and asked them they said that they can not do anything as the points have been transferred already. When I pointed out their own policy of what transfers are eligible they were extremely rude and told me there is no recourse and I should take it up with Marriott. Marriott obviously can not divulge private details of another customer to me. I never registered another household member with Chase and they never verified where the points were going, all of this against their own stated policy. 

I no longer want to be a chase customer, but I would like reimbursement for these points in the form of {$1600.00}. I pay a very steep annual fee for this card ( {$550.00} ) and spend $ XXXX on this card annually. This loss negated any potential benefit from the card.
Product: Credit reporting or other personal consumer reports

Southern management system. XXXX XXXX {$1100.00} is been in dispute since XX/XX/2024. I sent a cease and desist letter. They won't take it off my credit report. It's stopping me from renting or getting a car. I don't owe this money and they won't finish the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reporting on my credit report from Bank Of America. They sold the information on my report to another agency I disputed the inaccurate reporting on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Bank of america has failed to send me any letters validating the debt. I have asked them several time to remove this from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with XXXX XXXX XXXX in XX/XX/XXXX account has been closed since XX/XX/XXXX. It still shows on my credit report should have been removed after 7 years. The statue of limitations for this to appear on your credit report is overdue.
Product: Credit reporting or other personal consumer reports

Per FCRA 605B, we must delete any inaccurate accounts from my credit report. Can you examine the documents? Some of the accounts have been reported inaccurately, with incorrect amounts and dates.
Product: Payday loan, title loan, or personal loan

HSBC was not allowing me to pay my loan over the phone. I tried several times but it failed. The automated system was telling me that my payment was submitted successfully but then he payment never should up and I was keeping on being charged interest for a full month extra. I tried over 5 times to make payments in that month but everything was failing. I was away on vacation so it was impossible for me to go into a branch and make a payment. 

After I filed a complaint requesting a refund for the interest charged as a result of the HSBC bank error I received the attached letter as a response. This was investigated by an HSBC Customer Relations Manager XXXX XXXX. 

The response is full of lies and inaccuracies. I have the following issues 1 ) HSBC is claiming that the payments were not successful due to missing information. I have a letter from HSBC confirming that the reason the payment did not go through was due to the fact that phone payments are not an option. And my payment needs to be submitted in branch. So it was NOT due to missing information ( see letter attached ). 

2 ) The payment on XX/XX/XXXX was also not successful. I ended up making a payment in branch on XX/XX/19 for the amount of {$35000.00} ( See attached check ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent numerous letters to Experian regarding collections listed below for verification of these unknown collections. I have not received any confirmation that these collections are in fact mines. It has been pass 30 days allowed by the FCRA. I also sent in a FTC report regarding these collections as im not aware of these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX, XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXXXXXX XXXX  XXXX # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX DEPT OF ED # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX DEPT OF ED # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX  TN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have rights to privacy.

15 U.S.C 1681 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 items 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: Money transfer, virtual currency, or money service

I deposited money into Gemini Earn last year over the course of a few months. On XX/XX/XXXX I attempted to withdraw the money however according to the website I transfer has been pending for months now with no result. 

They have over {$27000.00} of my money which is most of my savings and I have not gotten any response from the company or support whatsoever
Product: Money transfer, virtual currency, or money service

There is a dog scammer trying to sell Dalmatian puppies out of " XXXX, WA '' supposedly. After finding the ad online, we paid the deposit and the cost of {$580.00} via XXXX from my bank, XXXX XXXX, on XX/XX/XXXX to deliver the puppy to our home. The supposed transport company, " XXXX XXXX XXXX XXXX '' was going to deliver the dog on XX/XX/XXXX. The transport company tried to tell me they were in Billings, MT at the XXXX XXXX XXXX and that i had to pay them more money to get my dog. They said they had been there for three hours in the parking lot. I then called Billings animal control government number and got an animal control officer to drive out there and they reported not a single car was there. Basically it was all a scam and i have pet transfer contracts and everything as well as emails and texts. When i told my back about this, they refused to help with the fraud.
Product: Debt collection

On XX/XX/XXXX, I checked my credit file via XXXX XXXX and noticed a new collection account with XXXX XXXX XXXX, XXXX with XXXX XXXX in the amount of {$150.00}. I immediately contacted XXXX XXXX XXXX, XXXX regarding this debt. Speaking with a representative, I inquired about this debt only reported with XXXX ( XXXX 's recent breach caused major concern ). The representative stated that this debt opened in XX/XX/XXXX with XXXX XXXX and went delinquent in XX/XX/XXXX. I explained to the rep that I had n't had a XXXX XXXX account in many years and that I never initiated a loan with XXXX for an amount of {$150.00}. 

Furthermore, I explained to the rep that the recent breach with XXXX, led me to believe that this was a case of identity fraud or something of the like. I went on to explain that should I had owed XXXX, I would have received mail correspondence and phone calls regarding the matter ; I have never received a dunning letter involving this alleged debt, and that I have lived at the same address since XX/XX/XXXX. The rep stated I needed to file a police report, I explained that by law, both the FCRA and FDCPA requires both the credit bureaus and collection agencies to forward a dunning letter and the original contract information with signatures validating any debt owed BEFORE a file is placed in a consumers credit file. The rep explained that they do not send dunning letters until AFTER they have spoken with a debtor. My response was that they were in violation of the FCRA and the FDCPA as that is not what the law mandates.
Product: Credit reporting or other personal consumer reports

This grumbling to XXXXXXXX was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the FTC numbers XXXX ; XXXX and XXXX
Product: Credit reporting or other personal consumer reports

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

I have both Federal and Private student loans with Navient, and I began school at Western Governor 's University ( XXXX ) on XXXX/XXXX/2015. At the time of beginning my classes my loans should have been deferred. This has not happened and now Navient has threatened to report my loans as delinquent to the credit bureaus and have been assessing my account fees. XXXX has updated my enrollment status on the XXXX XXXX House, and provided the information to them directly via fax on XXXX/XXXX/2015, however Navient refuses to acknowledge this. I also spoke with Navient customer service on XXXX/XXXX/15 to notify them of the change in status and to expect the fax. I was assured at that time that a payment was not required and my loans would be deferred. I contacted their customer service department again today ( XXXX/XXXX/15 ) to discuss the matter and was told to upload the enrollment status information to their website. I think this is unacceptable as both myself and XXXX have previously provided the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX stole my identity information and used it to open credit cards and get an apartment using my social and name. He did it all online. Police report made and submitted to all creditors he opened fraudulent accounts with 2 removed all fraud information from my reports. XXXX XXXX XXXX refuses to remove even after being contacted by the Sheriff 's office confirming identity theft by XXXX XXXX. XXXX XXXX produced bank statements in a lawsuit showing that he used his account to pay for the cards that he fraudulently opened in my name. XXXX XXXX XXXX and XXXX also refused to remove the fraud information from my credit reports trying to collect a judgment that I have no knowledge of for a property I have never lived at. I have produced the proof to them of the fraud numerous times showing XXXX XXXX and his girlfriend XXXX XXXX stole and used my personal identity information online. I have demanded prosecution of XXXX XXXX provided his addresses social and date of birth and agreed to fully cooperate in his prosecution but they reuse to do anything and refuse to remove from my credit report. I have never been served any documents for any of these creditors and they have assisted XXXX XXXX in destroying my perfect credit. I am a highly decorated XXXX XXXX and I demanding justice.
Product: Credit reporting or other personal consumer reports

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Product: Payday loan, title loan, or personal loan

I received an alert from XXXX XXXX on XX/XX/2019 at XXXX XXXX stating that my Lendup account is delinquent. I was shocked to say the least because I checked this account a few weeks ago, and it stated my next payment due date is XX/XX/2019. Today is only XX/XX/2019, so no payment is due as of yet, but it's reflecting as delinquent, although I made two payments last month on XX/XX/2019 I made a payment of {$190.00} and XX/XX/19 {$97.00}. And from then on, my next payment due date always reflected XX/XX/2019, so why is my account status being reported to the credit bureaus as delinquent? Please fix this and update my account to current with the credit bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX dismissed in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX dismissed. I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

There 5 charge offs on my credit report for which I don't recognize. I called on the consumer reporting agency XXXX to show me a copy of some underlying application with my signature from the creditor and they didn't, they just sent via email that the items are updated and that they contacted the creditors. I'm kindly demanding the instant removal of those items since they couldn't show me any proof for which I requested. I sent the letter via certified mail on the XX/XX/2021 XXXX XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX account # XXXX account # XXXX XXXXXXXX XXXX XXXXXXXX, account # XXXX
Product: Credit reporting or other personal consumer reports

In Accordance with the Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 also states consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open an consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof XXXX the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

XXXX XXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXXXXXX. Account # : XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXXXXXX XXXX. Account # : XXXX Please remove the following Fraudulent hard inquiries from my credit report. 

XXXX - XX/XX/year> Applicable Legal Basis for Di

spute 1. Verification Requirement ( 15 U.S.C. 1681i ) : - The FCRA mandates that all disputed information be verified within 30 days of a consumers dispute. If the information can not be verified, it must be corrected or deleted.

2. Obligation of Accuracy ( 15 U.S.C. 1681e ( b ) ) : - Consumer reporting agencies must ensure maximum possible accuracy of the information in consumer reports. The inaccurate or unverifiable information regarding the charge-off account violates this requirement.

3. Re-Aging of Debt ( 15 U.S.C. 1681c ) : - The FCRA prohibits re-aging of old debt. If the date of first delinquency is inaccurately reported, the charge-off may appear on my credit report longer than the allowed 7 years.

4. Validation of Debt ( Fair Debt Collection Practices Act, 15 U.S.C. 1692g ) : - Under the FDCPA, if the debt is being collected by a third party, I have the right to request validation of the debt, including proof of ownership and the amount owed. If the creditor or collection agency can not validate the debt, it must be removed.