23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Because XXXX in 2017, student loan collections have continued to ignore my XXXX paperwork and aggressively pursue me in collections and with harassing phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this Complaint via the CFPB to formally request an investigation and correction of the listed accounts that appear to be inaccurate and incomplete on my credit file, as per the provisions of the Fair Credit Reporting Act. I believe these accounts are reporting inaccurate information. I was never late on these accounts because I always make my payments on time. I keep my own payment records and the record the Credit Bureaus present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Please take a look at the following accounts that are reporting erroneous information on my Credit File XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX  XXXX XXXX Balance : {$580.00}. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish the Credit Bureausr investigation within 30 days ; please do so, otherwise the Credit Bureaus will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission.
Product: Credit card or prepaid card

On XXXX XXXX, I looked into the cancellation policy of a flight I ordered through Chase 's Ultimate Rewards portal. There was a dedicated web page set up for COVID-related cancellations ( see attachment for the full page wording ). 

https : //travel.chase.comXXXX ( You must log in to a Chase Ultimate Rewards account to see the page. ) Included on this page is wording as follows : " If your itinerary does not qualify for full reimbursement or if we need additional information, we will contact you. '' This wording made me comfortable with submitting the form, as I wanted a full refund, but did not want a partial refund or other strings attached. I was confident, based on this wording, that I would be contacted if a full refund was not available, and I could then decline at that time. 

About five minutes after sending the request, I got an email, which is attached. The main part of the email read : > We have issued an airline credit for your flight > You are receiving this email as either your airline has cancelled your flight, or it was noted that you did not take your trip as scheduled because of the current situation related to COVID-19. No need to call us, we've got you covered. Your safety and peace of mind  are of utmost importance to us, and we want to let you know we have issued an airline credit for your flight. 
> > All the details of your airline credit, such as traveler name, amount, and expiration date, will be emailed to you in a confirmation email that you will receive soon. 


This is precisely what I thought I was avoiding from the wording on the cancellation request form. 

I tried to call Chase that day, but when I get through and enter my itinerary number, I get an automated response that says my call can not be taken because my travel is farther than 7 days away. 

I then asked for resolution on XXXX later that day via @ XXXX. They offered one response that did not acknowledge the actual problem with Chase 's cancellation page wording, and will not undo the cancellation. 

As a result, I now have a {$460.00} XXXX voucher, but using it to reschedule will charge me {$400.00} in change fees. Again, this is exactly what I was trying to avoid, and if I knew this was a possibility, I would not have submitted the cancellation.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees that Ive incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lag posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices what transaction settled with insufficient balance, despite the initial available funds. I truly believe that these practices are unfair and requires my account to be investigated into my account transactions.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3300.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

So for the last year, I have been sending you documents and documents to each of the credit bureaus ( XXXX, Experian, XXXX ) regarding my name, address, and phone number is incorrect on my credit file. Because of this, I've lost deposits on homes, the ability to obtain business and personal loans, credit cards, and employment. I want you to correct my name and address on my credit file.. I am also seeking damages for lost income and lost the ability to obtain housing and consumer credit. My correct name is XXXX XXXX. I've never gone by any other name or variation of my name. Any attempts to procure credit under my name is fraudulent. My identity has been stolen multiple times and many variations of my name have been used. My Name is XXXX XXXX this is the only name I go by. My XXXX address is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX. Please remove any other name or name variations and addresses or address variations from my file. Only leaving the aforementioned.
Product: Checking or savings account

I opened my XXXX saving account in XXXX 2017.They said if I deposit XXXX, I 'll get {$150.00} bonus. But I did n't. I called them, sent them messages. They replied me as below : ''Upon review of your XXXX XXXX account, I see that you have met all of the necessary requirements for the promotion offer of XXXX. Therefore, I have forwarded the information to the appropriate department for research and resolution. '' But today I got a letter saying I did n't meet all of the promotional criteria. That 's it. NO REASON! Just ''did n't meet all of the promotional criteria ''. 
They said the bonus will be credited by XXXX/XXXX/XXXX. But what weird is they failed to give me the statement of XXXX! It 's already XXXX/XXXX/XXXX, but I ca n't view my statement of XXXX! 

I love discover! They offer great deals and cashback for credit card holders. But it 's so frustrating this time! 

I 'll attach some screenshots as proof of my deposit and their response.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent account 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. 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

On or about XX/XX/XXXX, I inquired with XXXX by providing a letter, asking if they would remove derogatory information from my credit profile which is reported to the three credit agencies. The attached letter will provide the background information for my request to remove the derogatory information, but I will provide some brief context. 

I submitted a few request to the credit agencies disputing the accuracy of what was being reported to my credit report as I believe it was not accurate. 

I purchased a vehicle in XXXX, which XXXX financed. In XXXX, XXXX took repossession of the vehicle because I was unable to payment. I received notification the vehicle would be repossessed. The vehicle was sold for more than what it was worth ; thus, I received a check for the excess. XXXX did not follow Georgia 's O.C.G.A. 10-1-36 law as it relates to notification where the the creditor must notify you of the time and place your car has been sold. 

I reached out to XXXX in XX/XX/XXXX to ask if they would be willing to remove the derogatory information from my credit report and after speaking with a representative of the CEO of XXXX, the young lady stated that would not be possible. She said by law they are required to report to the credit agency which I indicated was not the case, but a choice. A choice that I signed allowing XXXX to conduct when I signed the vehicle purchase agreement. The young lady also stated that the derogatory information would fall off my report in XXXX of XXXX. 

I take full accountability for not paying my obligation ; however, had I known there was a possibility of me retrieving my vehicle back, then I would have taken that option rather than damage my credit for 7 years. 

My dispute is in accordance to Georgia 's O.C.G.A. 10-1-36 law, the repossession process was not followed completely by XXXX ; especially since they were unable to provide the letter indicating the date/time/location of the sale to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Springleaf merged with One Main. One Main,  Springleaf and XXXX have been and are reporting inaccurate information on my credit report. One Main, Springleaf and XXXX have been and are reporting hard inquiries without verifiable proofs of my consents. One Main, Springleaf and  XXXX have been and are reporting those hard inquiries as inaccurate information without verifiable proofs. As a result, there are no permissible purposes of putting those hard inquiries on my credit report. I sent certified mails to all XXXX One Main and Springleaf asking about the permissible purposes of those hard inquiries and verifiable proofs of the inaccurate information. I waited more than 30 days to have the verifiable proofs from XXXX One Main and Springleaf of their inaccurate information and I didnt receive them from all of them. Since neither XXXX nor One Main nor Springleaf have verifiable proofs of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following hard inquiries should be deleted immediately. Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX onXX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX onXX/XX/XXXX : XXXX. Certified mail sent to ONEMAIN onXX/XX/XXXX : XXXX. Certified mail tracking number sent to SPRINGLEAF FINANCIAL SRVCS on XX/XX/XXXX : XXXX. The following hard inquiries which should be deleted immediately are : Creditor Name : ONEMAIN Date : XX/XX/XXXX Creditor Name : ONEMAIN Date : XX/XX/XXXX Creditor Name : SPRINGLEAF FINANCIAL SRVCS Date : XX/XX/XXXX
Product: Debt collection

On XXXX XXXX I received a debt collection letter by Midland Credit Management stating that I had a XXXX XXXX XXXX XXXX XXXX XXXX account. I've checked my credit XXXX report and see no report on this account. The amount that is states I owe is {$7000.00}. Supposedly my last payment date was XX/XX/XXXX and my date of default was XX/XX/XXXX, account was charged off on XX/XX/XXXX. I don't ever recall ever opening this account. 
I've called the company, but I felt very sketchy vibe over the phone. They were very eager and demanding for me to pay this account that i have no clue about. 

Please would really appreciate the assistance. 


Sincerely, XXXX XXXX
Product: Debt collection

I have reached out several times to try to get this company to update the balance on the account to match the amount awarded in the judgement so that I can pay it off. The company claims I still owe the original amount. If I call, the representative is rude. If I reach out via email they do not respond. I am at my wits end and have contacted an attorney at this stage but thought it would be good to lodge a complaint as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my Credit Report I noticed that there are still accounts that are reporting erroneous and incorrect information. I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the accounts needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$150.00} ; XXXX XXXX XXXX : {$57000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

*NOTE : Experian did send TWO checks due to the breach of my social security number. XXXX is in process. 

*XX/XX/2019 - CMRR USPS # XXXX - Disputes - Never verified any of my disputes based off of the Experian AND XXXX  breach. 

*XX/XX/2019 - CMRR USPS XXXX XXXX - Disputes on Inquiries - Not fixed, verified, or answered by XXXX  . 

*XX/XX/2019 - CMRR USPS XXXX XXXX - Disputes on Inquiries # 2 -  Not fixed, verified, or answered by XXXX  . 

*XX/XX/2019 - CMRR USPS XXXX XXXX - Experian did not fix, verify, or answer any of the disputes EVEN THOUGH I was in the Experian AND XXXX  breach.  Experian knows they did send two checks to me due to their breach. 

*XX/XX/2019 - CMRR USPS XXXX XXXX - Second attempt to Experian. Did not fix, verify, or answer these inquiries.
Product: Vehicle loan or lease

I'm getting help writing this due to declining health ... I got into a loan w/Prestige Financial b/c my Bankruptcy Attorney advised it would be better for my credit to get a high interest vehicle loan. The vehicles loan was so much but when I got it appraised its was worth less than the actual loan ... When I got laid off from my job in 2015 I've just been struggling to pay but lender will not refinance loan to lower payments and whenever I look to get out of this vehicle to a lower paying one they call my employers, send me harassing emails saying that I'm lying to them, that no one will help me and that the only way to stop paying such a high loan is to surrender the vehicle and try my luck with my credit. This past week my father was actually using my credit to coappy with me and Prestige called my employer posing as another entity to perform VOE and they called/emailed me to say, they've checked in on me that I was lying on application forms and that because I was refusing their help they were going to prevent me from getting any help to lower my payments or get out of the car to get into a more affordable vehicle. I've advised them of my medical issues ( without giving them my prognosis or anything ) but their calls/emails are rude and due to my health it's easier to ignore them because they cause emotional duress.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX has violated my rights 15U.S.C1681 Section 602A. States I have the right to privacy 15U.S.C1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
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 Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( OriginalCreditor : XXXXXXXX XXXX XXXXXXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I payed 2 credit card bills using bill pay with the key bank company and both of them were suppose to be there in 2 business days, however they were not received by my credit card company. These bills were for my credit card bill and because these payments did not go through as promised, the payment will be late and has already Impacted my credit score.
Product: Debt collection

the collection agency has engaged in false and misleading practices violating 15 U.S.C section 1692 G & 15 U.S.C section 1681 S2.
Product: Credit reporting or other personal consumer reports

I am victim of ID Theft, while I was away at XXXX XXXX XXXX XXXX was broken into, all personal things were taken, ie : wallet, bank statement and tax information. I reported the issue to my XXXX  and campus police. i was advised to file a formal complaint. I pulled my credit report and noticed several items on my credit profile I did not authorized or applied for. I have contacted XXXX XXXX, Equifax, and XXXX several times. And have not helped me resolve the problem. I request the following account to be deleted. 

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 or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file I noticed a derogatory mark stating that I was pass due on an account from XXXX with a XXXX balance. I send all three bureaus validation of debt letters along with a request for a method of varication. They sent me a letter stating the account was verified as reporting accurately. I contacted the original creditor and was told that my balance was XXXX balance. I also noticed that all 3 bureaus were reporting 3 different open and close dates. According to the original creditor the open date was XXXX2015 notXXXX2015 per transunion and not XXXX2015 per XXXX and XXXX. If they actually completed a through investigation then why is the reporting information different from the information the original creditor has provided me. Due to the apparent neglect of my credit file. I would like this account completely removed from my file immediately. This is a major violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 because it is affecting my score negatively. 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 these items as soon as possible : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Square froze my funds arbitrarily with what they deemed as suspicious activity. They did not ask for any documentation to prove otherwise. They asked for photo identification which was provided and still did not release my funds. They stated that I would receive an email within XXXX hrs stating when my funds would be released. That statement was made on XX/XX/2023 and I have yet to receive any such statement. When I call they automatically recognize the number and terminate the call. The event In question was on XX/XX/2023. The event was a Meet and Greet for my client at the XXXX XXXX inside of the XXXX XXXX XXXX in XXXX, Michigan. The amount they are holding is {$2600.00}. 

I have repeatedly called from several numbers and still I haven't received. I have recently come across information and complaints from other Square customers who have shared that their money was held 90 to 120 days for no apparent reason. As a small business, I can not afford to not receive my money in a timely manner. Because of this unwarranted action, I stand to lose this particular client because of Squares actions or should I say inaction. 

The account with Square is Anointed 7 and is identified by the email : XXXX XXXX
Product: Student loan

ALL FEDERAL STUDENT LOANS ARE DEFERRED UNTIL XXXX XXXX BACKED BY THE CARES ACT. NAVIENT HAS ASSESSED ME WITH LATE PAYMENTS THAT SHOULD NOT HAVE OCCURRED. THIS NEEDS TO BE RECTIFIED IMMEDIATELY. ADDITIONALLY, I HAD AUTOPAY SET UP WITH MY STUDENT LOAN ACCOUNTS IN THE EVENT PAYMENTS WERE TO BE MADE. THERE IS NO WAY I COULD HAVE BEEN LATE WITH THE CARES ACT AND MY AUTO PAY SET UP IN PLACE. DELETE ALL NEGATIVE INFORMATION ON MY STUDENT LOAN ACCOUNTS DATING FROM XX/XX/XXXX - CURRENT TIME ASAP!
Product: Credit card

on XX/XX/XXXX bank closed account ending in XXXX and nobody knew account ending in XXXX saying that I had a balance of XXXX. On the same day the merchant refunded XXXX by the bank did not credited to the new account
Product: Mortgage

In response to Borrowers XX/XX/2016 RESPA QWR, Shellpoint stated, As provided in Shellpoints previous response, you were extended a trial period payment that required you to remit three ( 3 ) payments of {$820.00} each. The trial payment consists of principal and interest of {$460.00} and an escrow deposit of {$350.00}. The principal and interest portion of the trial payment is based on a projected modified interest-bearing principal balance of {$110000.00}, an interest rate of $ 3.750 %, and an amortization term of 480 months. Note that the total new principal balance under the modification is projected to be {$160000.00}, and {$49000.00} of that balance would be deferred. The deferred balance is non-interest bearing, and you would not make payments on the deferred balance ; however, the deferred balance will become due and payable in full once the loan matures. 

Shellpoint XXXX informed Borrower that permission for the loan modification with deferred balance would need to be obtained from XXXX XXXX.