23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Back on XX/XX/XXXX I had paid for a online store from XXXX XXXX for {$150.00} from a XXXX and XXXX. This was done first by transferring the funds from my bank XXXX  XXXX XXXX to my CashApp debit card via XXXX, because for some reason XXXX  couldn't process a debit card and the only way to pay was by their CashApp business account, which was why I had the funds transferred from my bank to my cashapp debit card. Made the purchase, communication was great, was even told they may be a delay for a few days because they were 'moving to a new location ' which was fine. I even made a purchase of another store, but with a different checking account ( business ) because I couldn't use the same email, also the same way but using a different cash app account ( also business account ). This was back in towards end of XXXX. Around beginning of XXXX when I've asked about the status of when I should have the online stores completed and delivered to XXXX, I didn't get a response. Sent numerous emails, still no response, and the telephone number does not work.So I've reached out to CashApp and explained what happened, they requested for more info which I've provided, but all I got back was a canned generic response which did not helped me at all. This was going around in a circle. So being frustrated, I've reached out to my bank to see if they can help me. A nice lady did, said she get this all the time, and gave me the credit. I did not still heard back from XXXX and XXXX from XXXX, but I did from CashApp asking me again about the info and I've responded that my bank has granted me the credit. Thought it was resolved until this morning on XX/XX/XXXX I was charged {$150.00} on my personal checking and business checking account! Called XXXX  and was told by a XXXX it was because it was out of their responsibility because it was a CashApp transaction?? CashApp did not help me at all, and in the meantime I have no store, and I'm out {$300.00}!! Please help, I can not afford to lose {$300.00} Thank you so much! 
XXXX
Product: Student loan

Starting in XX/XX/XXXX, I began making extra payments on my student loans FFELP through Navient. When trying to determine how to pay down the Principal on my loans to decrease the amount of interest. The selection are extremely misleading on which option will make that happen. The website has 2 options : 1 ) No, Advance my due date by the number of payments I cover. Even if you have  XXXX amount due on your billing statement, CONTINUING TO MAKE PAYMENTS WILL REDUCE YOUR TOTAL COST OF BORROWING. or 2 ) Yes, Bill me for my full monthly payment. You will be required to make a full monthly payment with your next billing statement. The statement in option # 1 " WILL REDUCE YOUR TOTAL COST OF BORROWING '' leads the average individual to believe this will decrease the amount of interest being paid for the life of the loan. After reviewing my account and how the extra payments are being applied I started online research ( 1 hour ) to determine how to make " Principal only '' payments on Navient, I found out that my selection should be option # 2. I have begun email  communication today XX/XX/XXXX to find out if my 3 overpayments  XX/XX/XXXX ( {$100.00} ), XX/XX/XXXX ( {$100.00} ) and XX/XX/XXXX ( {$480.00} ) can be applied to " Prinicipal Only ''. I'm currently waiting to hear if this can be done, since I had selected the wrong option for overpayments - due to their misleading information on the website. I corrected my option to # 2 for future payments on XX/XX/XXXX.
Product: Checking or savings account

I recently moved from XXXX to XXXX, since my bank OneWest only limits me {$1500.00} per day I have to write a check to myself so I have more available for bills, moving expenses, and other circumstances like purchasing furniture since I literally started from scratch. I made the decision of refurbishing my house, so I needed more money available. This is the reason I opened an account through XXXX XXXX. I made a check out to myself on XX/XX/14 for the amount of {$3000.00} and deposited it to my account. The money was debited from my account the following day and it was credited in my XXXX account the same day. XX/XX/XXXX, I go and check my account because I have to pay for my mortgage and my account is now - {$2300.00}!!!! Luckily I was able to pay the bills from my one west   account, I call one west and they claim that there was an issue with FIS and I should receive a credit soon. According to what they said, there was an error with the federal that it showed it was being redeposited and it came back returned even though it was debuted from my account 2 weeks ago. I had a conference call with both banks and XXXX had no idea what is going on. Its now 2 XXXX weeks and my account is still negative {$2400.00} now because of overdraft fees. I have had to borrow money from people to pay my bills and Im limited on funds. This is a complete embarrassment!! Im Pennie pinching and I can not get these resolved! I am in the hunt for an attorney! The bank can not give me a straight answer, I called yesterday and they tell me now that One west   is going to cut a check to send to XXXX XXXX. I asked for a tracking and they can not give it to me! This has been a complete nightmare for my family and I and will close this account as soon as this gets resolved but for the meantime I have no idea what to do financially!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been reporting false information on my credit report I have sent many letters and have called them to please verify the information on my credit report they have refused to send me proper paper work stating the accounts belong to me and as of today there has been nothing done I am once again sending Experian a letter asking to verify the accounts the keep reporting are listed below XXXX XXXX PARTIAL ACCOUNT NUMBER XXXX XXXX NUMBER XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX and I have not received any information on the collection reporting inaccurately on my credit report. I sent a second letter on XX/XX/XXXX. I also sent proof that I had car insurance with another company.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This ground for removal they also violated my rights under 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 or consent.I don't remember sign the contract with this debt collector, where's my original signature with this company and why they decide to add to my collection without my permission? It is double jeopardy!!
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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 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 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: Debt collection

I received a letter dated XX/XX/XXXX from Velocity Investments , LLC stating they now " own '' a debt from XXXX XXXX XXXX. It was only a notice and another letter was to follow in/about 30 days. See attached. 

On XX/XX/XXXX I received another letter from Velocity Investments , LLC with an " Introductory Message '' and the notice to " dispute within 30 days after receipt of the letter ''. See attached. 

On XX/XX/XXXX, I sent a validation request/ notice of dispute to Velocity Investments , LLC and requested that they " prove '' they own this debt. Unfortunately I did not save a copy of my letter to attach, but they did respond on XX/XX/XXXX ( see attachment ) to my request with a copy of the original creditor contract- no other details. See attached. 

On XX/XX/XXXX, I sent a second request validation to ask for more information again, in case they misunderstood my initial request. Keep in mind we are still within the original 30 days to dispute. My second letter is attached. 

On XX/XX/XXXX, Velocity Investments , LLC responded with the exact information again. Not one document that has my name on it ( associated with Velocity ), an assignment or any proof that they can legally collect on this alleged debt. Second response attached. 

How does a consumer really know if they are legit and have truly purchased this alleged debt? In days of IRS scams, Identity theft ... so forth, they have not provided any real proof but they feel they are compliant. I am not sure they can prove ownership because of the way they purchase these debts from companies in bulk. 

I understand for them to be compliant with a dispute request, they only have to provide limited information but after two specific requests they have not been willing to share any real proof of any debt. So they must not have it or wish to share it. That is my concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the following XXXX account for inaccurately reporting on my credit report for the past several years on Transunion. Proof was sent as an additional reference. On XXXX it says that the high balance is {$0.00} but on Transunion it says that the high balance is {$310.00}. Per Section 15 U.S.C. 1681i. I requested Transunion to delete the following account for inaccuracy on my credit report. This letter was sent on ( with proof ) XX/XX/2022. I received response on XX/XX/2022 saying that the account was verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX : {$310.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT.THERE ARE ACOUNTS ON MY CREDIT THAT DO NOT BELONG TO ME AND WERE NOT OPEN ED BY ME.PLEASE FIND OUT WHO OPENED THESE ACCOUNTS AND PLEASE STOP FURTHER VICIMIZING ME BY REPORTING THESE FRAUD ACCOUNTS ON MY CREDIT. THEY TRIED TO OPEN SEVERAL ACCOUNTS UNDER MY NAME, I HAVE TONS OF INQUIRIES THAT DO NOT BELONG TO ME.
Product: Debt collection

I disputed this COLLECTION account with XXXX. They concluded? ( How? ) that the debt is mine.. I HAVE NEVER NOT PAYED MY OBLIGATORY INCURRED DEBTS! I have NO IDEA how this collection account from midland Collection came about? I DID NOT OPEN ANY ACCOUNT THAT I HAVE NOT PAID FOR! 
It is NOT mine! HELP ME! I do not owe this money! 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX i tried to dispute it because i settle the payment with XXXX XXXX XXXX/XXXX  XXXX on XX/XX/XXXX for the amount of {$210.00} and they saying i still owe for that. I would like it deleted from my records!
Product: Debt collection

Dear Consumer Financial Protection Bureau, XXXX XXXX, writing to clarify that this debt in dispute, may be illegal in his collection process.

According to FDCPA ( Fair Debt Collection Practices Act ) 809. Validation of debts ( a ) Notice of debt ; contents ( b ) Disputed debts, firstly, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt so If the company does not provide verification within 30 days, the FDCPA prohibits them from continuing to contact you or reporting the debt. And the company didnt provide itemized bill statement as I requested. But they suddenly report to credit bureaus after one year of the initial communication. 
I doubt the amount is not correct. The company did n't provide itemized bill to validate this amount, but they still report to all the 3 credit bureaus. 
Secondly, the company fails to provide the validation response in 30 days, but they continue their collection activities suddenly after one year. 
Thirdly, in the coming notice letter, they did n't mark the steps how to dispute and legal rights that I can dispute. I was only told I owe the money, and they assume it is valid. 
Therefore, I think this collection report is illegal. Please help me how to appeal to this collection case?
Product: Credit reporting, credit repair services, or other personal consumer reports

Please supply the name, address, and phone number of anyone who has been contacted about this claimed account.
Product: Vehicle loan or lease

US Auto disabled my car after I made a payment agreement with them. I had to download a program to start it again. Additionally, they have gone bankrupt and transferred my loan to another company without notice. I need to know what rights I have. The other company advised I no longer have warranty or XXXX  coverage which was in my original purchase contract. 

I want to be added to the lawsuit against them
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent letter to Experian regarding account from XXXX XXXX  as you can see its well pass 30 days and Ive not received a response. Attach is a letter I sent and copy of certified receipt. Certified mail receipt # XXXX
Product: Credit card or prepaid card

I currently have a Citibank XXXX credit card. I have always made on time payments and have never been late. My credit limit on this card was {$7000.00}. My XXXX statement showed my balance to be {$3700.00} still with the {$7000.00} credit limit. We used the card for vacation the first part of XXXX, I charged a total amount of around {$2200.00} on the card still not hitting the usable credit limit. In the month of XXXX I made payments to them in the amount of {$1600.00}. My goal over the next few months was to get my usage down to below 50 %. I then receive my statement for XXXX and see that my next month payment which is due on XXXX is in the amount of {$600.00} and some change. I contacted Citibank and was told that they lowered my credit limit after I returned from vacation to {$4000.00} and the reason my payment for XXXX is so high is because since they lowered the spending limit I have now " considered '' to be over my limit. I don't have a problem with them lowering my spending limit, but my concern is that this will show on my credit report as being over the limit. I have always made payments to them for more than the payment amount was to be. What are my options??
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, La XXXX XX/XX/2024 To : Whom it May Concern Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, Experian, or XXXX ]. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-o for { Charge off amount goes here } from { Creditor Goes here/ or company account was sold too }, listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/2024. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. 
Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within XXXX days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Account : XXXX I have called numerous times and either my account information was not updated properly or I get hung up on after sitting on hold for hours waiting for an escalation to the supervisor. 

This entire process is a nightmare.
Product: Debt collection

I've noticed this account on my credit report and don't recognize doing business or having a contract with this company.
Product: Credit reporting or other personal consumer reports

Inaccurate accounts appeared on my credit report today, and Im completely at a loss. I check my credit report often, but this time, somethings gone horribly wrong. I tried everything I could, including refreshing the browser, but the mistakes didnt disappear. Please, Im pleading for you to carefully examine the documents Ive sent so this can be resolved for good.
Product: Checking or savings account

Citibank is making duplicate charges to my checking account. These charges randomly pop up days after the original purchase and after the original transaction is posted to my account. These duplicate charges stay pending for more than week. I called bank customer service and they explained it would fall off in 1-3 days. The first duplicate charge was {$77.00} and the latest duplicate charge was {$1800.00}. The original charge of {$1800.00} charge has been posted to my checking account since XX/XX/XXXX. The duplicate charge of {$1800.00} has been pending since XX/XX/XXXX. It is now XX/XX/XXXX and I have contacted the merchant and they have no clue what is going on. Since this is the second time in one month of the seeing duplicate charges happen with Citibank, it is clearly a bank systems error. That is my main checking account and I am unable to pay my bills now and now I am getting late fees.