23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2021, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX XXXX and XXXX XXXX  from my Coinbase account to fraudulent investment firm ( s ).
Product: Credit reporting or other personal consumer reports

Collection account from LVNV FUNDING LLC with account XXXX XXXXXXXX and a balance of {$850.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX XXXX. 
I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account.

Collection account from XXXX XXXX XXXX with account XXXX XXXXXXXX and a balance of {$3000.00}. The original creditor is XXXX XXXX XXXX 
I previously disputed this account stating : XXXX never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 
Collection account from LVNV FUNDING LLC with account XXXX XXXXXXXX and a balance of {$810.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.

Please reinvestigate these matters and delete or correct the disputed information as soon as Possible. Thank you for your assistance.
Product: Student loan

I have an obviously fraudulent loan that was taken out in my name. Through the course of a year Navient has refused to make right the situation despite hours of discussion, police reports, affidavits, and missing documentation. I requested the loan origination documentation which lacked several key pieces of information. I then requested chain of custody, and it has never been provided. I have been constantly harassed with robo calls, spent countless hours on the phone and have received threatening letters from this company. They could not provide satisfactory reasons why my fraud claim was not found in my favor. They repeatedly requested the same documents over and over while taking months to respond. All the while their debt collection team would respond daily about my account. I said in writing multiple times I did not want further communication with the debt collection team, they ignored me. This company is unprofessional at best.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I have found the following account listed below to be in error. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under LATE OPEN and consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX Balance : {$330.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

in XX/XX/2022 i received a copy of my consumer report now I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items 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 asa soon as possible
Product: Student loan

I financed my student loans through Key Bank. There was a short time when I was without a job and/or not making enough to make the outrageously high payments that Key was requiring. I spoke with someone and deferred the loans, though at a later date, I was informed that my loans had been sent over to collections in that time and that my loan payments I was making were no longer considered " valid payments. '' This has led to Key Bank ruining my credit, stating that I am delinquent in my payments. I have had automatic payments set up for the last three years in order to prevent this from being the case, however the institution is requiring that I pay the full balance off, otherwise they will continue to mark me as delinquent/past due and ding my credit. I am unable to move forward with anything in my life that would require a loan ( home, vehicle, graduate classes ) because of this. I have spoke with Key Bank and they are in no way willing to work with me, even as I continue to make my monthly payments. 

I have continually tried to work with Key Bank in order to get everything sorted out. At one point, I was informed that Key Bank no longer managed student loans and that I would need to contact XXXX of XXXX different companies to try and track down where my loans were sold off to. No information given other than the name of the XXXX companies. I spent countless hours contacting the multiple companies, trying to track down my loans with no success. I went back to Key Bank and they transferred me around, only to learn that they still maintained ownership of the loans. 

I am baffled at how they can be allowed to get away with something like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am a federally protected consumer. According to the Fair Credit Reporting Act 15 U.S. Code 1681, consumer reporting agencies have a vital role in assembling and evaluating consumer credit and other information on consumers. Reasonable procedures of fairness and accuracy equitable to the consumer. Proper investigations and verification are to be done BEFORE furnishing any information to my consumer report. I have incurred GREAT damage to my person and financial injury. 
You are hereby notified, pursuant to UCC 1-202f. Your prompt attention and response is both requested and required.
Product: Credit card or prepaid card

I stayed at XXXX XXXX XXXX as part of a large work group XXXX. I had my own room and provided my Amex for room incidentals. When I checked out I noticed there were {$110.00} worth of charges on my bill that were not mine. The front desk said they were from a food truck. I explained I never went to a food truck. They removed the charges, printed me a new folio, and I checked out. The correct folio amount posted to my AMEX the same day. 

On XXXX I checked my AMEX and what do you know, XXXX had processed the correct folio AND added the incorrect charges 3 days later in a separate charge and they were pending on my card. I promptly called XXXX and accrued {$59.00} dollars in long distance explaining to the XXXX that the charges were incorrect. She told me the charges were alcoholic beverages from the pool ( note : not food truck ). I explained I do not drink alcohol ( technically irrelevant ) and did not order any drinks at the pool. She then asked if I drank water which I said I did and she stated well theres XXXX water on this tab too implying I mustve been a part of the tab because I drank water ( like XXXX other people did that XXXX degree day at the pool in XXXX? ) I got no where and was placed on hold and she never returned. 

At this point fed up, I disputed the charge electronically with Amex and provided my folio and an explanation of the situation. 

On XXXX I received notice from Amex that the dispute was closed and I was charged {$110.00} because XXXX provided a receipt from XXXX XXXX with XXXX alcoholic drinks for {$110.00}. Again NOT MINE ( and not the pool or food truck as erroneously stated by the hotel ). Again I did not buy these drinks or patron XXXX XXXX. 

I reach out to Amex electronically who said this was not filed correctly and was not a dispute but instead fraud. I explained this was a basic run-of-the-mill disputed charge if ever there was one ( aka charged for product I did not receive ). Amex was not hearing it, transferred me to the fraud department who then canceled my card and started a fraud case!

Yesterday frustrated by receiving a new card I called Amex fraud department who told me this never should have been fraud and should have been a DISPUTE, closed the fraud case, transferred me to dispute, where yet ANOTHER dispute was created! I am going round and round. Please help CFPB!
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  Balance : {$290.00} XXXX XXXX  Balance : {$290.00} XXXX XXXX XXXX XXXX Balance : {$50.00} XXXX XXXX Balance : {$930.00} XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$50.00} XXXX XXXX Balance : {$930.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX Balance : {$290.00} XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$930.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number # 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.
Product: Student loan

I applied for an income based repayment option around XX/XX/XXXX as well. 
In XX/XX/XXXX of XX/XX/XXXX, I had a payment of {$2500.00}, sent on my behalf by my employer. I called to check on the status of this. Navient told me they had yet to receive the check, 2 weeks later. I then called and checked again, Navient then told me, it was sent to the wrong address and they were holding my payment. 

In XX/XX/XXXX, I filled out paperwork about lower my payment. Navient told me I could apply for an income based repayment plan. I completed all the paperwork. I am now in a forbearance. I have yet to be updated about this. 

In XX/XX/XXXX, my employer sent another payment of {$10000.00} to Navient. I had the same issue as before. In XX/XX/XXXX of XX/XX/XXXX, they told me they had not yet to receive the payment. On XX/XX/XXXX, the payment of {$10000.00} was applied. 

I applied for the income based drive programs based upon the change in my payments. When I started repayment in XX/XX/XXXX of XX/XX/XXXX, my payment was {$55.00}. This was my payment until I started back to school in XX/XX/XXXX. When I started repayment in XX/XX/XXXX, my payment was going to be around {$300.00}. I called and was able to lower my payment to {$60.00}. In XX/XX/XXXX of XX/XX/XXXX, I received a bill for around {$300.00} again. I then called and asked about income driven repayment. As of now, I am in forbearance instead of repaying in income based payments. I am making payments as I am in forbearance.
Product: Credit card or prepaid card

I called Barclays to cancel XXXX XXXX XXXX XXXX card I had with them. They offered me a no annual fee XXXX XXXX card if I would stay with them. I accepted the switch and did not know this canceled the auto pay I had on the original card. After 3 months I received a letter telling me the account was closed due to non payment. I immediately called and paid the entire balance most of which was late fees. 
My almost perfect credit score has dropped 80 points. I was receiving emails about my payment being due but they were the same emails I was getting prior to switching cards and I thought they were still being auto paid. None of the emails had a subject line that would let me know the bill was going unpaid. When I called to pay off the card I asked for help fixing my credit score I was told they would look into fixing my credit status. The next day I received a voice mail telling me to call the same XXXX number and ask for a supervisor. When I called back I was not put through to anyone and was told to write a letter to FCRA. I When offering to switch the cards the salesperson should have asked me if I wanted to continue to auto pay. Why did they wait till they had run up high delinquency fees and then closed the account before attempting to contact me. They had both a phone number and mailing address. 

They offered the switch without being clear about the change in auto pay. The charged me high delinquency fees and then closed the account. I received a letter telling me the account was closed.
Product: Mortgage

In XX/XX/2021 I was contacted by a loan officer by the name of XXXX XXXX at Carrington Mortgage Services to do a refinance with them to lower my mortgage payment. I already had my mortgage with Carrington done 2 years prior, Carrington had recently increased my payments. so I requested a refinance and received the Disclosure documents. This was suppose to be an FHA streamline and was told we would be closing in XXXX. On XXXX XXXX was the last time I heard from Mr. XXXX. On XXXX XXXX I called the company after hearing nothing from Mr. XXXX. I was then transferred to a Mr. XXXX XXXX. On XXXX XXXX I received a confirmation number. On XXXX XXXX received information on the closing process for th refinance. On XXXX XXXX received another Disclosure document.. On XX/XX/XXXX, received another disclosure document. On XX/XX/XXXX received an email about an FHA case number. Spoke with Mr. XXXX about paying my mortgage and he suggested I hold off in paying my mortgage because we should close before 30 days On XX/XX/XXXX was cleared to close, then I received another set of Disclosure documents to be signed that night, in which I had technical issues with my computer and those papers didn't get signed that night, and the closing was canceled. On XXXX XXXX received more disclosure documents. On XXXX XXXX received an email that we would be closing on XXXX XXXX at XXXX. Then on XXXX I received an email from Mr. XXXX that the closing was a mistake and we wouldn't be closing on XX/XX/XXXX. Then there was silence no one from Carrington since the closing cancel.On XXXX XXXX I sent an email asking for an update. Received an email back from Mr. XXXX that if we didn't get a closing by XXXX there wouldn't be a closing for XXXX. Spoke with the Supervisor XXXX XXXX on XXXX XXXX explainig that the title company was the hold up for the past 4 month because everytime my mortage balance changes such as paying my mortgage, Carrington has to resubmit the paper work to the title company. I then asked when will this end because I have to pay my Mortgage, He had no answer for when this situation will ever end. On XXXX XXXX I received an email stating that the title company had changed. Something is wrong with all this at this rate it looks like I will never get a refinance closing.
Product: Credit card

A credit card was issued to me by First Bankcard for XXXX an online retail chain. Just three days after receiving the card, it was closed by First Bankcard. The card was never allowed charges because the company called me and said it needed to check for fraud and go into my local bank and show all my ID 's documents. A red flag came up because that was not the agreement of the card being issued in the first place. The cards were cut up and returned to the company, but they have charged {$1400.00} to me and refuse to take the charges off, keep putting late fees on the account, and charging interest to unauthorized/undocumented charges, in my name ; despite my writing the president, XXXX XXXX XXXX, and all the Bank Directors/CEO 's about this problem. I am XXXX years old and I can not bear the pressure this company is putting me through. They never let me charge XXXX item, nor have they paid for one item on this fraudulent account, they opened and closed in three days. Please help me and others like me who has been betrayed by First Bankcard of XXXX, NE.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXXXXXX XXXX XXXX - XXXX "
Product: Checking or savings account

I use Bank of america ATM to withdraw some money from my account, my bank account is a foreign institution name XXXX, on XX/XX/XXXX I used the ATM and tried to withdraw $ XXXXUSD, but the ATM automatically denied my transaction with the message " Exceed limits '' to withdraw. Due that I decide to take just {$200.00} and come back the next day. on XX/XX/XXXX I tried to get my remaining funds to complete the $ XXXXusd but this time the ATM said I didn't have the funds to dispense the money. 
I contact my bank and they said that a transaction of {$540.00} was approved on a ATM, I dispute that charge since that day but my bank ( XXXX ) initiate the investigation and a result bank of america did approved the transaction but the ATM no/no release the money. I been trying to resolve this matter with bank of america but they just don't help at all, many phone calls and visits to the branch were the ATM is located but they saying they don't have any record of my transaction and they don't give the money back is already been almost 2 months and I have not resolve this issue with Bank of America. My bank already make a dictamen saying that bank of america approved the transaction they will not do anything else. Bank of America ATM or someone in that branch keep the money and now they dont release to me.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( XXXX ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NATIONAL CREDIT ADJU is a company that has recently been placed on my report, the information is inaccurate I have never done business with or XXXX XXXX which is listed as the original creditor.
Product: Credit card

On XX/XX/2023, I tried to make end of year donations with my Citibank ( rewards ) Master card. They did not go through. I called every XXXX customer service number for Citibank credit cards, and all of them directed me to recording that the office was closed. I finally reached a living person, overseas, who informed me that my card was put on hold and directed me to call one of the XXXX XXXX numbers I had already called. 

Beside being terrible customer service, I wonder if it a card company can make claims about 24/7 service and not provide it. Especially for service like using the credit card. What if I was stranded in airport overseas, or at a gas station in the middle of nowhere.

I want you to ensure that Citi does not repeat this unacceptable blunder again.
Product: Payday loan, title loan, or personal loan

A loan modification was requested due to an illness and a decrease in income due to COVID. 
The company denied the request and after a third party collections agency got invoked the loan was double with a negative amortization schedule causing the loan to be double than the current balance. 

I declined the modification and a reconsideration was submitted a counteroffer was done by BHG for more than the current price of my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX card has not provided my signature. Signature is 100 % verifiable verification. Matching an address and email and phone number is not 100 % verifiable verification by law. I also had an attorney to find the licence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. It could not be found by the attorney. I 'm asking for the licence of this company as stated under statue 225 ilcs 425/4 to do business in Illinois. Please provide both of these documents. It is against the law in Illinois to do business. Letters have been sent to the Illinois attorney General and Illinois business to confirm there licence in Illinois. Please forward info with that address and not to be confused with a holding or pass through entity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XXXX the XXXX I told the credit bureau to investigate every piece of information on the accounts I have listed below. 

XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX The company contacted me and sent me back a copy of my credit report saying that the account were verified But how are they verified and up-to-date when it shows that the last date they were Investigated or verified were in 2019. This means that the company did not do as I wished and investigate these accounts that I have questions about And their accuracy which is still a question to me. Since the company did not investigate these accounts within the 30 day. As stated by law this this is a violation. I feel offended and that they have insulted my intelligence by telling me that they did something when it shows in the report that they sent me That I have attached below as well that they did not do anything.