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

XX/XX/19 - I noticed that there was a double charge on my account from a merchant ( when I only made 1 ), logged into my account on Barclays ' website and there were some strange messages of account past due when I had paid my latest statement in full. I called Barclays and spoke to an agent about both things and was told that I did not make any transactions between the dates XXXX-XXXX when I obviously have and was calling about them and was told that the website is working accurately. Agent refused to recognize the evidence of contrary. Agent told me his name was " XXXX '' and employee ID was XXXX. Recognizing that I wasn't getting the help I needed, I specifically asked the Agent to note my account of what he told me and ended the call. 
XX/XX/19 - I called again, I mentioned the experience that I had on the call on previous day and was met with apathy and told me there were no notes on my account. Website info is now correct, so I asked about the double charge. Agent told me that it would be credited back to me. I asked agent to note the account. 
XX/XX/19 - I noticed that I had received a credit of {$0.00} ( yes XXXX XXXX ) instead of the amount promised to me by the agent I spoke to. The agent I got this time said again there is no note on the account and when I lament my trouble, did not acknowledge them and wanted to transfer me. The transferred agent ( 2nd one on this call ) was also of no help and had to transfer me again. The 3rd agent ( id : XXXX ) I spoke to again said no note was taken but she would address the issue, so I have not seen any resolution nor do I now have any confidence that it will be fixed. 

All in all I spent hours on these calls ( including holds and IVR routing ), spoke to 5 agents, and was agitated with my experience.
Product: Debt collection

To whom it may concern : I mailed out a mail certified debt validation letter to Southwest Collections on XX/XX/21 ( see attachments ), mailed copies of my letter to all three bureaus once I knew they delivered. Southwest responded with another collection statement, no other details or proof of validation on XX/XX/21. They continue to contact me and send me statements ignoring my concern. The three bureaus said it was accurate/updated but not one bureau truly investigated my case. I have not seen or received any validation of this debt. I do not have a heavy list of creditors, nor do I apply for credit cards. This debt is not mine.
Product: Student loan

I have called multiple times to check on the status of my refund. I requested back in XXXX for a refund of {$10000.00}. I was told it would take 8-10 weeks. 

After 8 weeks, I called back and was told it was still processing. 

As of XX/XX/23 I still have not received my refund from Fedloan Servicing and have had zero communication initiated by them. I have had to be the one requesting any updates or information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( The CBE Group Account # XXXX ) has violated several of my rights. 

15 U.S.C 1681 section 602 A clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. It also states consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove this late payment and update this account Immediately, you are in ( Direct Violation of several laws under the Fair Credit Reporting Act. )
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been proven that you are not abstracting records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$200.00} ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX  XXXX Balance : {$13000.00} XXXX XXXX Balance : {$18000.00}
Product: Checking or savings account

I called Capital One to transfer my CD to my savings account and the representative on the phone said to me that I had closed the Capital One CD account. I told the rep that I never closed the CD account. I spoke to 3 different representatives on the phone on the same day. This is where I was informed that Capital One closed the CD account in XX/XX/2020. The representative said that they sent a notice about the closure and I clarified to Capital One that I never received any correspondences in the mail that my CD account was closing. Capital One said that they closed my CD because it was an old account and that they transferred the money into my savings account. I want to get the documentation that my money was transferred from x account to x account. The amount that I had in the Capital One CD is {$15000.00}. I want to get all the Capital One Certificate of Deposit statements from XXXX. All the notices that I should have gotten during renewals. I recall my renewal was every 7 months.
Product: Debt collection

I am in the receipt of your company 's letter informing me you are handling the collection of this account. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between ( ARS LLC ) and me which makes you a person entitled to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you, ( ARS LLC ), are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I will file a complaint with the Attorney General and FTC, and file a police report against your for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collections efforts and immediately remove any derogatory information reported to the consumer reporting agencies. If you transfer this account to an attorney without providing proof of contract, he/she will immediately reported to the State Bar Association and Professional Liability Fund for code of ethic 's violations.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several pieces of inaccurate information that I have found on my credit report. I request that these items be removed as soon as possible. 

XXXX. XXXX XXXX XXXX accounts are listed with the same ending account number ( XXXX ) but they are in fact different accounts. 

XXXX. The XXXX XXXX account listed on Equifax for {$20000.00} has an incorrect account number. The correct ending account number is # XXXX. 

XXXX. The XXXX XXXX account listed on Equifax for {$12000.00} also has an incorrect account number. The correct ending account number is # XXXX. 

XXXX. There is a discrepancy in the amounts owed to the company XXXX XXXX XXXX XXXX XXXX XXXX accounts. Theyre stating the amounts that need to be paid is {$22000.00} and XXXX XXXX8.The XXXX XXXX accounts XXXX on Equifax State {$20000.00} being owed ) and ( XXXX account states {$20000.00} for XXXX XXXX ) being owed but the amount that needs to be paid is {$22000.00} they also have the XXXX XXXX account for {$3200.00} and it say amount owed is {$3400.00}. And this is on Equifax, XXXX XXXX, XXXX. 

XXXX. XXXX XXXX XXXX XXXXXXXX account # XXXX for the amount of {$4800.00} needs to be disputed on both XXXX and XXXX reports. 

XXXX. XXXX XXXX XXXX account # XXXX in the amount of {$4200.00} needs to be disputed on both XXXX and Equifax reports. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account in the amount of {$890.00} needs to be disputed on Equifax, XXXX XXXX, XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$480.00} needs to be disputed on both XXXX and Equifax reports. 

XXXX. XXXX XXXX collection/write off in the amount of {$8100.00} needs to be disputed on XXXX. 

I demand these items be removed immediately from my report. According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681 et seq., all information must be correct and accurate. I have included copies of my bank statement, and my driver 's license from the state of Florida for verification purposes.

I look forward to your prompt attention to this matter. Please inform me as soon as these corrections have been made.
Product: Checking or savings account

My paycheck was supposed to be deposited this morning around XXXX as it always is on the XXXX. I woke up to find my check not in my account. I contacted capital one and sat on hold for over 3 hours before I finally gave up. By this afternoon, all of my accounts ( checking and savings ) showed a total of {$0.00} instead of any money. Capital one shared on social media that it was due to a third party issue and they are working to resolve it. However, as of this evening, I still have no money and now whenever I log in to my account, it asks me to verify myself for fraud protection, leading me to believe that they had a security issue, not an issue with a 3rd party vendor. Capital One has failed to communicate with its customers regarding the issue as they did not make a statement until over 12 hours after the problem began and have not provided any additional information to customers. I personally waited on hold again for over 9 hours this evening with no success of reaching a representative and I have no money whatsoever at the time being.
Product: Student loan

XX/XX/2022 I noticed that my credit score that I had been working diligently to get back into a great shape, took a hit when Navient reported my federal student loan as 90-days delinquent. This dropped my score close to XXXX points. 

( Financial literacy isn't taught in schools, and coming from a first generation family raised by my widowed mother this is something I am having to learn for myself. I understand that ignorance is no excuse, but I hope that you can take that information and help in any way possible. ) I called Navient that same day and was told they were not aware of any presidential pause extension. I was told to write a letter requesting it be removed. I wrote a letter right away explained that student loans were under a President Biden 's federal student loan pause. 
( As of right now the extension is until XX/XX/2022 ) I wrote the letter, explained that I thought that along with all the other student loans it was paused. Per the Navient rep FFELP loans don't qualify which wasn't something I was aware of and as soon as she explained this particular loan was excluded. 
I also made the payment showing outstanding, and set this up on automatic deducting payments going forward. 

I would appreciate any any all help to remove this derogatory remark from my credit report. 

Thank you Kindly, XXXX XXXX
Product: Checking or savings account

Some money transfers were made through XXXX, money transfers that I did not authorize, I indicated this to the bank ( in one of their branch ) and the bank said it could not do anything because the account is frozen. Around XXXX dollars were lost in two days thanks to their poor security management with the accounts and the checks that are deposited, they hold a check XXXX h and they do not inspect if is a real check or is a fraud, they just put money in your account and if the check is not legit they just charge you for that when is their fault because they should review the checks carefully before accept them and give to the customer the money.
Product: Credit card

I was sent an email on XX/XX/XXXX saying that a capital XXXX credit card has been shipped and will be arriving on XX/XX/XXXX. I had not applied for a credit card. Going to Experian, I saw that there was a hard inquiry through XXXX XXXXXXXX listed on XX/XX/XXXX. I also noticed a fraudulent phone number listed on my account that did not belong to me. I Immediately took steps to fix this by locking down my credit file and doing a security freeze. I contacted XXXX XXXXXXXX to launch an investigation on the card as well as locked the inactivated card from the XXXX XXXX app that it allowed me access to. I contacted Experian to launch a dispute over the XXXX XXXX inquiry and dispute the fraudulent phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent that my letters to the credit bureaus to investigate every piece of other accounts on my credit report.

According to the FCRA The term investigative consumer report means a consumer report or portion thereof and which information of consumers character, general reputation, personal characteristics, mode of living is obtained through personal interviews with neighbors, friends, and associates of the consumer on, or with others with whom he is acquainted or may have knowledge concerning any search items of information. 

They stayed in my account is verified but how is that possible? Account name : ( XXXX ), account number : ( XXXX ), account name, ( XXXX XXXX  ) account number ( XXXX ), account name, ( XXXX XXXX ) account number ( XXXX ), account name, ( XXXX XXXX  XXXX Account number ( XXXX ) account name ( XXXX XXXX  XXXX account number ( XXXX ) If they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate and according to the FCRA 15 USC 1681 everything has to be 100 % accurate I have the credit report showing the inaccuracies
Product: Debt collection

I pulled up my credit report in XXXX and noticed that a collection was posted from Cavalry SPV 1LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX, Ct XXXX. This collection agency gave me no notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reach out to Equifax today and the representative refused to investigate my inquries I explain that these companies did not have permissible purpose and I have not sought any credit with these companies.
Product: Mortgage

Amerisave Mortgage Corporation offered me a very attractive interest rate in XXXX for refinancing my mortgage. I went ahead and applied for the loan as they guaranteed rate lock for a period of 60 days. They asked me to pay {$420.00} for payment towards Appraisal immediately. As soon as I paid, appraisal was done within XXXX days from the application date. I also submitted online all the documents they requested. Then they sat on my application for almost two months. When I followed up, they said they were busy with too many applications and offered to extend rate lock since they were delaying it. They did extend but kept delaying it further and coming back and asking some document or other. Today they sent me a mail saying that rate lock expired and I will have to go for whatever rate exists now. On top of it they are also asking me to pay for appraisal again saying that my appraisal report expired. It looks like that they have no intention of approving my loan application despite having very good credit standing. Now the rates have gone up and I lost the opportunity of refinancing at a lower rate. I read online and understand now that they do this for many customers. So I want to lodge this complaint and request you to take it up with Amerisave Mortgage Corporation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a complaint with the CFPB on XX/XX/XXXX regarding XXXX XXXX the dispute in progress was completed on XX/XX/XXXX, I got a alert message from XXXX XXXX that the account was removed I also have attach pictures of that, I go back on Equifax website showing that they updated the information on XXXX XXXX and the account stating it still belongs to me which is incorrect fraudulent information. I dispute again on CFPB website because they are still reporting this information on my credit report and it is fraudulent activity I submit a complaint on XX/XX/XXXX it was compleated on XX/XX/XXXX and it also dropped my credit score XXXX points I would like to dispute this information they reported XXXX XXXX two times on my credit report and the inquiries dropped my score. I need to dispute the score decrease on my credit report and multiple times of Equifax reporting XXXX XXXX twice on my credit report and decrease of my credit score. When XXXX Was delete it once before and it appear back on my credit report then after the dispute they completed the same day within a XXXXXXXX XXXX period and it also reporting again on my credit report and dropped my credit score tremendously by XXXX points this is fraudulent activity that is going on with my credit report. Im one of the victims of the Equifax data breach settlement lawsuit I also have attachments of that I am trying to resolve this matter regarding XXXX XXXX on my credit report and now that my credit report has decreased in the score tremendously XXXX points is in accurate It dropped my credit score tremendously when it should not have dropped my score when fraudulent activity reporting on my credit report Equifax report the same inquiry again on my credit report and my credit score dropped XXXX points when it shouldve never been reported the same inaccurate fraudulent Account with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair credit reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Has violated my rights.

15 usc 1681 section 602 ( A ). States I have the right to privacy.

15 usc 1681 section 604 ( A ) section 2, also states a Consumer Reporting Agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX and Experian on XXXX/XXXX/XXXX with information from the courts that they do not/ nor did they verify a bankruptcy. I requested information from the credit bureau asking who verified this information, the date as well as the proof that was furnished. It has now been almost 2 months and both bureaus have failed to provide this documentation. Experian is reporting a charged-off account from XXXX XXXX that they maintain was verified. I requested a copy of the alleged contract. Also the person who furnished this information. I have not received a response on requested documentation. XXXX is reporting an account that is not mine. They stated in complaint # XXXX that the account was removed from my credit listing. The account was never removed and is being reported incorrectly. This account needs to be removed. The credit bureau continues to say that the account was verified but has yet to furnish the requested ( original contract, person who furnished information, date info was provided )
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I paid the remaining {$270.00} balance on my Victoria 's Secret card leaving me with a {$0.00} balance. The following month, XXXX, I received a bill for an interest charge on a {$0.00} balance. I reported the charge on XX/XX/XXXX and never heard back. The company continued to charge me late fees and report to XXXX docking my score XXXX points each time. This has totaled to roughly XXXX points. I sent a dispute through XXXX again which was in favor of Victoria 's Secret. I then called the company ( VS ) on XX/XX/XXXX to ask about the charges. They instantly removed all charges however that does not correct my score nor have they removed the charges. My score was damaged due to false and fraudulent charges on a {$0.00} and falsely reported as " accurate '' when I filed my dispute with XXXX both times. The company ( VS ) told me they would send a letter to XXXX stating they were incorrect and to correct my score due to their false charges. I have yet to see any of that and I still see a late payment on my score. 
I have had this card for over 10 years and have never had this happen when paying the card off. This is unacceptable! Falsely adding charges to someone's credit card then lying to a credit report company is fraud and false reporting of one 's credit.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and as a result XXXXXXXX XXXX XXXX in the amount XXXX is reporting to credit bureaus. Ive never opened or had an account. Police report, FTC report and proof address and ID attached
Product: Credit reporting or other personal consumer reports

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX - XXXX - In accordance with the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX - XXXX - In accordance with the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.