23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a notice actually 3 in one day to collect some kind of court debt. I have no knowledge of any such debt. 
I had a debt with the courts 1 1/2 years ago and have been in constant contact with the court and the judge and we pulled up all cases and resolved them and are on a payment plan until this XX/XX/XXXX at which time the judge ordered it will be paid in full. 
This collection agency is not one that this court even uses and I dont recognize any of the docket numbers from what we had discussed and copy of from the same court. 
So I believe this to be fraudulent. 
I have not called the company because it may be a scam but I have called the courts and left a msg and waiting for a return msg but am confident with all of our records and contact with the judge these do not apply to me at all. It is also not showing on my credit report, nor have I ever received any notice of collections previous to the threatening letters of garnishment I have here.
Product: Credit reporting, credit repair services, or other personal consumer reports

My vehicle loan with XXXX XXXX XXXX became delinquent in XXXX. They charged off the account in XX/XX/XXXX and continued to report charge off account for XXXX, XXXX, and XXXX of XXXX. They changed the account from charge off status to delinquent in XX/XX/XXXX. The vehicle is inoperable however to work on improving my credit I began making payments on the account after the charge off. The account is reporting past due over {$8500.00} with a balance due of {$9000.00}. XXXX  reporting strategy is causing me to show as if I have an account that is open and seriously past due. Lenders are more likely to work with you if there is a charge off account that you are paying down verse an account reporting as open and over 150 days past due. The account had been charged off and should remain in that status. I am curious to know if XXXX took advantage of tax benefits from charging off the account. I believe this is a deliberate act to further damage their customer 's credit when they default on a loan. I am also not in agreement with the way that they allow you to make a payment arrangement but will not update the credit reporting to reflect the payment arrangement. When you call to speak with their customer service representatives they do not seem to be able to help you beyond making a payment.
Product: Credit reporting or other personal consumer reports

I sent a certified mail to Experian and attached some additional documents. 

Experian ignored this letter and dements attached and therefore refuses to comply with my request. 

Experian pretends that the letter was not sent BY ME. THAT IS NOT CORRECT. 

Part of the problems and reason why I had sent a letter is BECAUSE THEY HAVE WRONG INFORMATIONS ABOUT LY IDENTITY AND THIS MLUST BE UPDATED. 

Part of the PROBLEM IS THAT THEY SHOW CURRENT INFORMATIONS INCLUDING LEGAL NAME AS FORMER NAME and MY CURRENT ADDRESS IS A FORMER ADDRESS See the letter attached.
Product: Payday loan, title loan, or personal loan

Subject : XXXX XXXX XXXX subsidiary Inbox Loan Not Licensed for Lending Activity in the state of CA. 

I began to suspect suspicious activity from the lender when I received multiple calls to complete an application after I had already done so. I was receiving multiple calls, emails and voicemail messages from various representatives of the company to verify my bank account details and at one point received an email that my bank account details were verified although I had already completed over the phone with the representative days before. After receiving the loan, I reviewed my statement and noticed incorrect amounts that were not quoted, or reviewed with me, over the phone. In addition, the monies they were going to take out on the first payment were more than stated. After noticing all of the discrepancies I began to research and found out the company was not licensed to do business in the state of California which is where I reside. In addition, I saw several reports of the parent company " XXXX XXXX XXXX '' was not licensed to do business in several states and were known to do business under various business names one of them being " Inbox Loans. '' After finding this information I contacted XXXX Loans to request their license number and was told by several representatives that they didn't know it or that their Finance department was the only one that had the number. I contacted the Finance department and was also told by the representatives in that department that they didn't know it and my request would have to be escalated. I contacted the CA Department of Business Oversight and it was confirmed by a representative that XXXX XXXX XXXX and Inbox Loan had been reported and were not licensed but I would have to contact FTC to report it. The FTC suggested I file the complaint with the CFPB. I have received numerous calls and messages to collect monies on the loan, often times late at night or at work. I am frustrated and scared this organization will take the information provided and access my personal data, including financial data. Can someone please help!
Product: Student loan

This was a loan that I co-signed for my daughter and she got XXXX and was let go of the obligation but I was not. The Interest rate is so enormious that I can't keep up with the payments and the balance just doesn't go down. I have tried to get an reduction in the interest rate, but they say I am disquailified. I have been paying regular payments on this lian since XXXX and the balance at that time was {$23000.00}. It is now XX/XX/XXXX and the balance is {$22000.00}. I am XXXX XXXX XXXX and can't XXXX because I have to keep payin on this loan so my credit isn't impacted. I need help with this. I feel I should have been released from this obligation because of my daughters health.The original loan was XXXX. They are amking tons of money from this and I don't feel there is an end in sight.
Product: Credit reporting or other personal consumer reports

I would like to follow in despite of my previous efforts to resolve this matter and the erroneous information remains on my report, negatively impacting my credit score and financial standing. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you re-investigate these accounts and correct the inaccuracies promptly. I expect a thorough review of my case and a written response detailing the results of your investigation. Enclosed are copies of my previous correspondence and supporting documents for your reference. Please help me correct the following accounts : XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX Balance : {$48000.00} ; XXXX XXXXXXXX XXXX XXXX* Balance : {$1000.00} ; XXXX XXXXXXXX XXXX XXXX* Balance : {$1300.00}.
Product: Credit reporting

I have never lived at this The Address XXXX XXXX XXXX, XXXX Va XXXX
Product: Credit reporting or other personal consumer reports

I have file a complaint to the XXXX credit bureaus regarding to the incorrect information on my credit report. I would like this information be removed from my credit report as soon as possible. If the bureaus do not take action about my complaint, I will file a lawsuit againsts them and demand compensation becuase of the damaged they have cause in my life.
Product: Debt collection

On Friday, XX/XX/2023, Transworld called my place of employment about a debt that I didn't even know about. I told them that I was not allowed to have any calls at work. 
I called them when I clocked out fir the day..spoke to a woman who seemingly mocked me throughout the call. I told her to never call my work number, I can lose my job..she put me on hold for about XXXX minutes then when she picked up the call again, she said that she would remove my work number. 
Today, Monday, XX/XX/XXXX, XXXX.Transworld called me at work again and started by telling the XXXX XXXX that this was an attempt to collect a debt. And asked for me..when I picked up the call it was a recording telling me that this was an attempt to collect a debt and to press one for whatever... 
If I lose my job for this {$600.00} debt that I didn't know existed until Friday... do I have the right to sue them for my wages up to my retirement age? 
Better yet, how do I get them to stop calling me at work and make them pay me {$1000.00} due to their harassment?
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds, when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices I believe these practices are unfair and request, an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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 information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I don't know if this is the right place but im.having issues with identity theft, multiple inquiries keep popping up on my credit report and their not me doing this. I don't know what to do or where to start with getting my information protected and restoring my credit back to what it was. I have accounts I don't recognize either ranging from XXXX in credit limits or collection I don't know who used my name but its refining my credit and I need help to fix this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an account on my credit report by   XXXX   XXXX  . They are reporting an account from   XXXX   XXXX   that was opened in  XXXX . They are currently reporting that the account was opened in   XXXX   which is wrong. Neither company is able to verify the account.   XXXX   XXXX   sent me a letter stating that they do n't have the documents 8n which if they do n't have any documents with my signature   XXXX   XXXX   does not either. I 've disputed this with Transunion and transunion claim they verified the account as being reported correctly. That 's impossible if the original creditor is unable to validate the account with documents. I 've attached a letter from   XXXX   XXXX  .
Product: Credit reporting

I have been a victim of identity theft for over five years. I have filed multiple complaints and disputes with XXXX, XXXX, TransUnion and the Federal Trade Commission. On numerous occasions, XXXX, XXXX and TransUnion has blocked and/or froze my file, which hindered me from getting a copy of credit bureau reports and the deletion of erroneous information. My consumer credit rights, have been continually violated and disputes have been ignored. I have sent in countless copies of my drivers license and social security card, yet the erouneous information remains. 

I currently have the following listed on my reports : ( XXXX ) Collection accounts that were not opened by me ( XXXX ) Credit inquires that I did not authorize. 
( XXXX ) Addresses in multiple states that do not belong to me. 
( XXXX ) Social Security card numbers ( XXXX ) Date of births including years ( XXXX ) Employers, XXXX of which I have never worked for. 

I am requesting that my credit bureau reports be accurately adjusted to reflect the truth!
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that you have not deleted these hard inquiries from my Experian credit report dated XX/XX/XXXX. Based on the evidence in my possession, I am, requesting that Experian removes the mentioned hard inquiry from my credit report upon receipt of this complaint to avoid further damages to my credit report. I have attached to this complaint authorization letter from XXXX XXXX XXXX. giving permission to Experian to delete these hard inquires. I have recently mailed this correspondence to Experian dated XX/XX/XXXX and I have not yet received the results of deletion from my credit report.
Product: Checking or savings account

My husband and I submitted a deposit on Monday XX/XX/2022 at which time we were told that {$220.00} would be available immediately and the remainder on XX/XX/2022. On XX/XX/2022 I received an email stating it would now take five days with no explanation. When I checked our account it was negative {$100000.00} which should not have been the case. I spent an hour on the phone with Navy Federal to no avail. I was given no legitimate reason for this error or my funds being held. I have screenshots of the receipt given in the initial deposit and one of the account negative. Navy Federal has done this to me on several occasions with checks. But it usually is resolved without incident. It shows the deposits as posted but not added to our balances.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello, My name is XXXX XXXX. I was first made aware of Midlands debt when I was in the process of refinancing I. XXXX of 2022. I sent a XXXX letter to all XXXX credit bureaus requesting proof of debt. I never received any information. On XX/XX/2022 the collection charges was added back on my credit for the amount of {$890.00} by MIDLAND CREDIT MANAGEMENT. This company is in violation and I would like them to be removed from my credit report immediately. 

Thank you
Product: Money transfer, virtual currency, or money service

On Friday XXXX the XXXX I transferred {$250.00} from My Netspend AceFlare Account to my account at XXXX XXXX XXXX XXXX which I've done plenty of times before and its transferred immediately. However, on XXXX the XXXX this did not happen. I transferred the {$250.00} From my Aceflare account o XXXX XXXX and it came out of my account with Netspend Flare immediately, but it was not credited to my account with XXXX XXXX it said the transaction was declined through the auto mated system ( I was using XXXX XXXX automated system to transfer the funds ) It said my financial institution declined the transaction. However that was not the case becasue the money came out of my Aceflare account. So I called XXXX XXXX which told me they did not have the money, and They could not see the transaction. So I called Netspend Flare and was told the transaction was pending and they could not reverse it until it posted to my account even though it as taken from my available balance. SO I had to wait throughout the weekend so see what was happening with my money. I also called on both institutions on Saturday. On Saturday when I called XXXX XXXX  they said they still didnt have the money and I could file a dispute with my other financial institution so that's what I did. I filed the dispute on Monday with Aceflare because XXXX XXXX told me they didn't have the money I transferred to them. SO the dispute was filed and I was waiting to get my money back from wherever it went. Subsequently sometime that same day XXXX XXXX credited the {$250.00} to my account it said adjustment credit so I gusessing they found my money GREAT. So I updated my dispute with Aceflare letting them know I finally had the money in my other account and they could close the dispute. I did this twice. and Aceflare STILL did not close it. I thought everything was fine. on XX/XX/XXXX I got a text from XXXX XXXX my accoutn was overdrawn becuase my account was debited {$250.00}. I called XXXX XXXX and asked what was going on why my account was debited {$250.00}, they said I filed a disoute and XXXX XXXX said the charge was fraudulent and was requesting the money be returned. I never filed the dispute based on Fraud I said I didn't get the money I sent and subsequently let them know when I received it and to close this dispute out as resolved,. Since they never did close the dispute. The money was sent back to my card that I used on XX/XX/XXXX. I called Aceflare to ask them where was my money. Nobody has a clue and this foolishness is starting all over again. I asked XXXX XXXX for a letter stating they sent the money back and sent it to AceFlare they still don't care and keep sending me generic messages about the next update is XX/XX/XXXX. Thats unacceptable. They have had my money back since XX/XX/XXXX and are still refusing to credit my money to my account claiming they don't have it. XXXX XXXX refunded the money back to my debit card they should have seen the money by now its XX/XX/XXXX. I want my {$250.00} back now.
Product: Checking or savings account

I opened and funded a savings account and a checking account with Citibank based on an offer I received promising a {$1500.00} bonus to do so. 

The accounts were opened on XX/XX/XXXX. The accounts were funded by XX/XX/XXXX. I believe that all the conditions of the offer were met. No bonus was ever received. 

On XX/XX/XXXX, I had a telephone call with my Citi account representative, XXXX XXXX, about the missing bonus. She requested that I e-mail documentation about the offer to her. 

That day, XX/XX/XXXX, I sent the requested e-mail to XXXX XXXX, including attachments describing the offer and the bonus. 

After hearing nothing, I sent a follow up e-mail to XXXX XXXX on XX/XX/XXXX requesting a status update. 

After no response, I sent a letter via USPS to Citigold Client Services on XX/XX/XXXX requesting a status update. 

To date, I have had no response from Citi, and have not received the bonus for opening and funding the accounts.
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 : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 or other personal consumer reports

I am writing to seek the assistance from you in resolving issues related to my credit report. Despite my repeated attempts to rectify these matters with the respective financial institution, the inaccuracies remain unaddressed. Specifically, I am facing problems with the correction of a late open account and the removal of an erroneous charge-off account. I have noticed an account listed as " late open '' on my credit report. This is incorrect, as I have consistently met all payment deadlines. Despite multiple disputes submitted directly to the financial institution, this error has not been corrected. The continued presence of this inaccurate information is adversely affecting my credit score and financial health. There is a charge-off account on my credit report that is incorrectly reported. I have provided the financial institution with all necessary documentation proving that this account should not be listed as a charge-off. 
My attempts to resolve this matter directly with the institution have been unsuccessful, as the charge-off remains on my credit report, causing significant distress and financial difficulty. I am requesting the CFPB 's intervention to ensure that these matters are resolved in accordance with the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy of information reported to credit bureaus. The ongoing presence of these inaccuracies is a violation of my rights under the FCRA and has caused me undue hardship.Please help me orrect the late open and remove the charge off accounts immediately : XXXX. XXXX XXXX Balance Owed : {$4000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
XXXX. XXXX XXXX XXXX XXXX : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.