23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked.

I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : 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  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TransUnion Consumer Solutions has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine.

I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts.

Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

I do not believe the balance on my mortgage is correct. There amount is totally different from the one i get and there has been a raise in my monthly payment the last couple of years.The increase is done with my escrow account every year.
Product: Prepaid card

I attempted to transfer funds to my bank account from my Money Network card, which is the new card provider for XXXX. The transfer option is available on their platform, but despite multiple attempts, I was unable to complete the transfer. 

I tried the transfer four times over a span of three days, using the following methods : Desktop platform Mobile app Automated phone system Each attempt was denied. Afterward, I contacted customer service and spoke with several representatives. During these calls, I was unable to get any clear explanation as to why the transfer failed, and no representative offered any assistance in completing the transaction. Instead, I was only provided with alternative options, such as using an ATM or requesting a cash advance. 

The most recent interaction with a representative took place today, and the issue remains unresolved. 

The system allows a bank transfer, but it fails every time I attempt it. 
Customer service reps were unable to provide a reason for the failed transfers or assist me in completing the transaction. 
I am seeking clarification on why this issue is occurring and how it can be resolved promptly.
Product: Money transfer, virtual currency, or money service

I attempted to purchase with cash at a physical location where the HERMES BITCOIN ATM is located ( inside of a XXXX XXXX ) I received a notification on the screen of the ATM that the atm was not able to process the transaction therefore the transaction was cancelled : the atm never returned the cash I had put into the ATM, I called the customer service number given on the screen of the atm. 
The customer service agent refused to return my money or process the transaction to my bitcoin wallet stating that the bitcoin transaction rates were too high and they didnt want to pay for it. He refused to connect me with another customer service representative. We continued speaking on the phone for a few minutes until the customer service representative hung up the phone, when I attempted to return the call I received the notification that the number wasnt in service meaning that they blocked me. I went onto the company website because I was suspicious of their business practices. They have icons to access the terms of service and privacy policy on the homepage of their website but when clicked it takes you to a page that says the pages were deleted.
Product: Credit card

On Friday, XX/XX/2024, Chase notified us that additional credit cards for our account ( mine and wife 's joint account ) were requested. We told Chase we did NOT authorize additional cards. Chase closed the existing account number and reissued new accounts for my wife and self. That same day, 15 credit cards arrived in multiple envelopes in US Mail to our home address. All cards had different names ( probably fictitious ) on them. We have not disposed of them until all reporting is complete. We went to local Sheriff 's office to report fraud and were given this website to file report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to have a late reporting on an account that has a {$0.00} balance. This false reporting of a late is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report 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 reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 ( XXXX ) # XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXXXXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reports of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the the information is inaccurate.
Product: Debt collection

The Harvard Collection Services located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX engaged in Unfair Collection Practices and Unfair Credit Reporting Practices. A Harvard representative contacted me regarding a XXXX bill. The Bill belong to a family member that resided in a home owned by me. I previously agreed to a weekly debit of {$25.00} with a different collection agency hired XXXX. The past due bill was transferred from the prior agency and given to Harvard for final collection activity. When speaking with the Harvard representative, I was told that if I paid {$220.00}, the bill would be paid in full, no further collection activity would continue, and this matter would not be reflected on my credit report. I paid the agreed upon amount on or about XXXX XXXX, 2015. On XXXX XXXX, 2015, I received an alert from XXXX indicating that a collection account was added to my report. That Monday, I contacted Harvard. I spoke to a representative who advised that the prior young lady that took the payment did not update the system correctly, which caused this to be report to my credit profile. She assured me that this matter would be deleted from my credit profile. I followed-up a few days later and was told by a different representative that this matter would stay on my credit report until the {$91.00} was paid. ( Please note that the {$91.00} represents fees added to the balance of the bill, and not fees associated with the electric/gas services provided by XXXX. ) I immediately requested to speak to a supervisor and requested to have all telephone calls pertaining to my account pulled and listened to. I followed-up two days later and was told that the supervisor would have the information deleted from my credit profile. To date, it does n't appear that this has happened. As a result of this unfair collection practice of providing false information in an effort to obtain payment of an debt, I have poor credit. My score has dropped from the XXXX to XXXX. I respectfully request your assistance in this matter.
Product: Debt collection

XXXX  XXXX  XXXX  is illegally trying to collect on a debt I originally had with Patriots Finance. This debt was in collection with Patriots in XXXX. I received a call from XXXX XXXX around XXXX of XXXX saying they were working with Patriots Finance to collect the debt. I offered them a settlement at that time not knowing they had purchased the debt from PF. A month letter, I get a credit update saying I owned XXXX XXXX a loan balance from XX/XX/XXXX. XXXX XXXX is claiming I have an open loan with their company. I have never filed any request or signed up for any loan with XXXX XXXX. They purchased a debt and turned it into an open loan with payments due. This is illegal. This debt was in collection for 4 years and now they are saying it is a current loan with missing payments. I reached out to the company and they refuse to adjust my credit report. This has caused me financial problems and a personal hardship. I have contacted the FBI and an Attorney to investigate the matter.
Product: Student loan

Around XX/XX/2016 I received a call from Global client solutions saying they would get debt relief for my student loans. They say their fee was {$990.00} and I could pay it in monthly payments ( to which I have paid them in full ) They said they would file the paperwork for me to not have to pay for the loans unless I was making more than {$30000.00} a year because I was considered to be low income. Since then I have not made payments for my student loans because I thought I didn't have to that was until I recently received a letter from the department of education saying they would be offsetting my federal income tax return for nonpayment of the loans. I researched this company and found that they have been sued for this. They lied about their abilities to get my loans forgiven/ deferred
Product: Debt collection

In order to contact me or any other third party regarding an alleged debt, Spring Oaks Capital LLC must have my prior express agreement. In which they did not have my direct permission to do so. After I instructed them to stop all communication, they continued to provide and disclose inaccurate information to consumer reporting agencies. Reporting to consumer reporting agencies, the mail, the courts, or any other kind of communication is all considered communication and violation of the FDCPA.
Product: Debt collection

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I decided to look at my credit reports from the XXXX credit bureau and found that this MEDICREDIT ( XXXX XXXX XXXX XXXX ) was reporting to be negative on 3 Credit Bureaus. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Checking or savings account

This is an update and clarification to Complaint XXXX-XXXX  which was closed XXXX, saying, " The company has let us know that it cant respond to this complaint as it lists an unauthorized third party. '' Please understand that this pertains to two CDs my father had. He passed before they matured. In the meantime, I accepted his Power of Attorney, am the sole trustee of his estate, and am his executor. I am not an " unauthorized third party. '' If you need clarification, please call me at XXXX. 

Here is the original complaint from XXXX : My elderly father ( I am now his executor ) purchased two substantial 18-month CDs from XXXX XXXX, in XXXX XXXX, MI. He received a promotional interest rate of 1.49 %. 

A few weeks before the CDs matured, he received a letter telling him unless he instructed otherwise, his CDs would automatically renew and they would adjust the interest rate to the current rate. They did not disclose ( or approximate ) what the renewal rate would be. He presumed ( poor choice on his part ) the rate would be similar and competitive. The rate went from 1.49 % to .149 % - ONE-TENTH what he had received. 

He tried to close the CDs and was quoted a five-figure early withdrawal fee. This rate change cost his heirs {$15000.00}. 

But, more importantly, this seems to be intentionally deceitful on the part of the bank. They won't know *precise* interest rates three weeks out, but they know *approximately* what the rate will be. 

It seems they should be required to make that disclosure. Especially when dealing with the elderly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a fraudulent 1099 form for tax year 2021 from a company at my home address, with my social security number. The company is Block , Inc., f/k/a Square, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX I called the company, it was stated they sent the 1099 because I owned a business. I have never owned a business. I am XXXX yrs. old and XXXX I let the customer service person know and told them I was filing a complaint with the Federal Trade Commission immediately. The form stated : in box 1a on form 1099 Gross amount of payment card/third party network transactions {$1000.00} and listed the number of payments as XXXX. The filer 's TIN XXXX : XXXX, the 1099 indicates payment amounts of $ XXXX - $ XXXX - $ XXXX - $ XXXX & $ XXXX. The account number applied by this bogus company Block , Inc. f/k/a Square IncXXXX to my name is : XXXX. Over 25 yrs ago I had my identity stolen, it was a horrible experience. I don't ever want to go through that again. Please investigate this company and stop them from sending out fraudulent materials to seniors. I'm very upset they have my complete address and social security number, this is frightening
Product: Payday loan, title loan, or personal loan

Account was charge without permission as well as for a different amount.  I did not authorize any payments. I did not authorize anything.
Product: Vehicle loan or lease

I purchased a vehicle on XX/XX/2021 and it is financed through Westlake Financial. I also purchased an extended Warranty. The transmission went out in the vehicle and the compressor was damaged as a result. When I attempted to use the vehicle extended repair I incurred over {$2700.00} worth of out of pocket expenses. The warranty has a cap on the hourly rate for labor, they dont pay taxes, they dont cover the compressor which had metal shavings in it as the result of the transmission breakdown damage. None of this information is in writing in the warranty contract. I was always told if it is not in writing that does not exist. My understanding is that in purchasing the contract if I followed the conditions the items listed in that contract would be covered. While the warranty company is secure one, I purchased it through Westlake Financial. Westlake refused to assist me in any way and also has refused any payment arrangements since I have to try and pay for the repair and the car payment has now come due. I had the vehicle a little over 30 days and Im looking at negative impacts to my credit and finances with no relief available as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Second Mortgage with XXXX XXXX XXXX. In XX/XX/XXXX I fell behind, not making payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX., XX/XX/XXXX., XX/XX/XXXX. & XX/XX/XXXX. In XX/XX/XXXX I received a call from XXXX XXXX saying that the account had gone into collections. They wanted to know if I could settle the account, of course I didn't have the means. We agreed to a 2 year automatic bank draft commitment. The first payment in XX/XX/XXXX was for {$840.00} ; XX/XX/XXXX {$280.00} ; XX/XX/XXXX {$280.00} starting in XX/XX/XXXXthe payments would drop to the original monthly payment of {$150.00}. After the 2 years were up, I just continued allowing the payments to be withdrawn. In XX/XX/XXXX I contacted XXXX XXXX and stopped the monthly withdrawl because I felt XXXX didnt report the past 4 years correctly. 

At the beginning of XXXX XXXX reported to the credit bureau that the loan was charged off with a date of XX/XX/XXXX, so of course it appears I havent made any payments in over 4 years and the loan was recently charged off. I filed a dispute and they removed the charge off date as well as updated the balance on the loan but they added a closed date of XX/XX/XXXX. Hasnt this loan been closed since XX/XX/XXXX? 

My husbands credit report looks different than mine, his shows the payments for the last 4 years. These payments were made to XXXX XXXX who supposedly doesnt report to the credit bureau. If XXXX is a part of XXXX how could they write off the loan? I made up the 6 month delinquent payments in XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX. I think there are a lot of unanswered questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've already sent three hand written letters dating back to late XX/XX/2018 directing Equifax to remove the fraud alert on my credit report because it is giving me issues applying for credit. 

I always identify my address as " XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NJ XXXX ''. However for some reason Equifax likes to drop the " XXXX  XXXX '' and reject any proof of address I send over and over. 

I want the fraud alert removed.
Product: Debt collection

I over-paid because of BOA Maintenace on their credit card system. I over- paid {$1100.00} approx. I did speak to their customer service more than once. I spoke with XXXX on XX/XX/2020 and he saw all the trouble I have incurred because of BOA and additional late fee 's from XXXX XXXX who makes my payments to my BOA credit card since I'm on auto pay 100 % each month. XXXX told me everything would be cleared up correctly and the over pay would be refunded to my BOA checking account. To date, BOA has cost me service fee 's, late fee 's and now a lot of my time as a consumer. BOA deceptive tacking on keeping my money is harassing and making me loose interest on the funds and acceptability to access my money. credit card ending in XXXX, last 4 digits of SS is XXXX
Product: Money transfer, virtual currency, or money service

I sent by Remitly three international transfers from XXXX to XXXX : XXXX ( XXXX XX/XX/2024 ) - XXXX XXXX ( XXXX XX/XX/2024 ) - XXXX XXXX ( XXXX XX/XX/2024 ) - XXXX Those three transfer didnt arrive on the promised date by Remitly , so I ask them to cancel it and refund the money on XXXX XX/XX/2024. 

Since then, the cancellation of the three transfer hasnt been done yet and I didnt receive my money back, and when I ask to Remitly they only give me confuse and contradictory information. Sometimes they say me the money its in the bank in XXXX, sometimes they say me the money is with their partner Transfer to and Remitly always says they are sending emails but they never receive an answer, so its like I have to resign myself and wait indefinitely until they want to refund my money.
Product: Student loan

Many students, including myself, were misled by Navient, formerly Sallie Mae, into securing predatory private loans to fund education at for-profit online institutions, such as XXXX XXXX XXXX I attended from XXXX to XXXX with an original principal loan amount of {$25000.00}. Despite having paid {$84000.00} towards this loans, my current balance stands at {$13000.00} due to an exorbitant interest rate, which currently is 16 %. 

Notably, XXXX XXXX XXXX  was subject to investigations by various state attorneys general and found to have engaged in deceptive practices. In response to widespread allegations of fraud and misconduct by XXXX XXXXXXXX and their predatory lending practices with Sallie Mae. One of my loans was part of this lawsuit, while the other was not due to having a co-signer, which Navient just released and removed from the loan. The AG lawsuit led to one of my loans, from XXXX XXXXXXXX and for the same Associates degree as the remains loan left, with over {$80000.00} discharged.

Navient, which was sued by the attorneys general of 39 states for its role in facilitating these predatory loans, had a specific arrangement with for-profit schools during the XXXX XXXX, making it a " preferred '' lender. Despite this, the settlement terms provided by Navient were considerably inadequate, excluding many borrowers who took loans for attendance at approximately 150 for-profit online schools, unless they resided in certain states or had not defaulted for at least seven months during a specified period. This loan was in forbearance for many months following the years of graduating. 

The only period during which I managed to reduce the principal amount was during the pandemic, when interest rates were temporarily lowered to between 0.5 % and 1 %. However, once the regular interest rates resumed, my balance skyrocketed again. This financial strain, coupled with the emotional stress and damage to personal relationships, has been overwhelming. 

Moreover, Navient exited the federal student loan servicing business amidst legislative and advocacy scrutiny, following allegations of steering borrowers away from income-driven repayment plans towards forbearance, an action for which they had to provide restitution. 

Navient has also faced multiple lawsuits for other predatory lending and illegal collection practices. Currently, Navient is distributing " applications '' to select students who may qualify for Borrower Defense claims against their schools. However, this process feels unnecessary and opaque, as Navient is already aware of the affected students. 

Under the FTC 's " Holder Rule, '' Navient is accountable for these predatory loans issued in association with for-profit online schools. As time is critical, XXXX XXXX XXXX has urged Navients CEO to immediately discharge these loans. It is crucial for Navient to take responsible action now by discharging all s