23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX, I tried using my BMO card at a XXXX and it was declined. The afternoon of XX/XX/XXXX, i called to find out why my card was declined. After all, I've never been late on a payment, I've never missed a payment and I recently paid the card down! When I called, they gave no reason just said it was in the agreement that they could shut me off for any reason. So i asked what was the reason. They just repeated that it was in the agreement. I finally asked for a supervisor and when I was connected with one, he again just repeated that it was in the agreement. Still wouldn't tell me the reason! I mustve asked each person at least 5 times what the reason was. They wouldn't tell me, then, they just hung up on me!
Product: Credit reporting or other personal consumer reports

I Found fraudulent inquires in my credit report.Please remove that. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Navient Solution LLC was sued recently and I have received a notice about the lawsuit. According to the lawsuit documents, my private loan should be forgiven because my school is on the list of schools who got sued as well. My private student loan that I took out for attending XXXX XXXX  XXXX XXXX should be forgiven. I have called Navient about this several times and they keep rerouting me and telling me that my forgiveness should be sent via mail. According to the documents I have received from the Attorney General, I should have received a notice about loan forgiveness by XXXX of 2022. I still have not received anything from Navient and calling them is useless. Customer service people at Navient don't have a clue about the lawsuit and keep rerouting me or giving me misinformation. Please look into this issue.
Product: Debt collection

In XXXX a payment for my XXXX purchase was an issue due to card not processing. I immediately fixed it and the payment went through. at that time I realized my available purchase amount as not able to be seen. I contacted customer service through their online chat and was told it would update in a week, the payment just needed to process. I waited two more weeks and still nothing was showing and the available amount was actually decreasing but unable to be used either. I contacted them again in XXXX after it was roughly two months of it's a system error, it will update correctly. During this time I was being told I had unpaid balance when trying to use the payment service at checkouts, when I would go to my account there would be no issue. Finally in XXXX I contacted customer chat again and it was escalated for the third time. I was told it would take 48 hours for a response, it took about a week. Now a supervisor is telling me due to account activity I am no longer able to use XXXX, which came as a shock to me. I explained my confusion, only to be sent a generic response that didn't even answer my confusion. I immediately called their customer service line, after waiting for 2 hours collectively, first called " dropped ''. The rep couldn't give me a straight answer on why my account was blocked. I asked to speak with a supervisor, and the supervisor refused to speak with me and told me to contact the credit bureaus to fix my issue. I was very confused and asked the rep how would the credit bureaus know what to do with their company error. He responding not knowing but that it was a credit bureau problem and I had to call all 3, I asked what I would be saying and he literally couldn't give me direction. at this point i knew i was being given the run around. I finally reported this to the Better Business Bureau, only to have Klarna respond that 3 years ago I had an unpaid balance which they paid and due to that I can't use their service. I just want to state that balance was paid, and I have been using Klarna for the past 7 months with about 20 purchases all successfully paid. This company is unjustly blocking my account and instead of being honest finding any reason to not assist me. I also want to point out to this day it says i have an unpaid balance if i were to try and use it, but when i go to the app i owe nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$65.00} XXXX XXXX  ( Original XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$110.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Midland Credit Management sent me a packet of papers saying I owe them almost {$1300.00}. I sent a dispute in response asking them for debt validation and a complete history of transactions ( including payments ) showing how the amount was accrued. The responded to my dispute with an exact copy of the what they sent the first time, which was one statement, no contract with the full account number, nor transaction history. The account number provided was redacted and incomplete. I responded to them to advise that the documents received did not contain what I had requested. There has been no other response. I did dispute the remark on my credit in XXXX in which I received notification on XX/XX/XXXX that there was no change in the debt. A few months they are attempting to sue me with three business days notice on XX/XX/XXXX. Notice received XX/XX/XXXX ( XX/XX/XXXX via door hanger on my door. The officer did ring the doorbell but I was at work in a call and was not able to respond. I later found the notice when I got off work that evening and went to get groceries, I found the notice on my front door. ) I called in sick the next day XX/XX/XXXX so I could call the sheriff and make arrangements for another delivery as per the door hanger received and to make sure I was available and didnt miss them again. I called the sheriff and they said they would come by. I called them at XXXX as the whole day had gone by and still no one came, I get off work at XXXX, it appears I respectfully took the day off for nothing. They finally came at XXXX on XX/XX/XXXX. This was three business days notice for court on XX/XX/XXXX @ XXXX which is unreasonable. This was not enough time for me to prepare myself nor request XXXX per company policy so I called in sick to use sick time to cover for my absence financially and politically due to such short notice. Midland failed to report the debt as disputed, ( since I personally disputed them via postal mail ) when they reported it to my credit, nowhere did I agree to any debt after they sent me two copies of the exact same paperwork. We have not had any phone conversations either. They should have stopped their collection efforts since they know I havent signed any contracts with them and they are not able to furnish transaction history of an account that never existed with them, but they still reported it to my credit and is in process of suing me. All of this has been a major inconvenience and calling in to work twice within one week without approval can cause an accrual of negative points at work. I lost my second job unexpectedly as the company closed down and so my Dayjob is very important to the wellbeing of my children including my son with XXXX. Midland is not acting in good faith nor have they respected my rights as a consumer to furnish the debt validation I have requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

EOS CCA, is reporting an active and open account when I know it is in fact a closed student loan account. It is incorrectly being reported as open and gaining interest.
Product: Debt collection

Dynamic Recovery Solutions LLC of XXXX, SC is sending debt collection notices to my employer for a debt that is long since resolved.
Product: Credit reporting or other personal consumer reports

I received three hard inquiries across the 3 credit bureaus within 3 days. All of which I did not request or approve. I have not done anything recently to warrant any inquiries on my account. 

First inquiry - XX/XX/year> from XXXX XXXX XXXX on my Equifax report. Address listed for the credit union on my report is XXXX XXXX XXXX. XXXX MD XXXX Ph : XXXX XXXX I called the bank and they were not able to help me and I was told to contact equifax. I started a dispute with Equifax but have not heard back yet. 


Second Inquiry - XX/XX/year> from XXXX XXXX on my XXXX report. Address listed for this business is XXXX XXXX XXXX XXXX, Georgia XXXX Ph : XXXX. 
Per XXXX, I sent an e-mail to XXXX XXXX asking them to send a letter to XXXX to ask the inquiry be removed from my account as it was not requested by me. XXXX told me they will not accept a dispute without a letter from the institution the inquiry came from. So far, nothing has happened with this yet. 


Third Inquiry - XX/XX/year> from XXXX XXXX on XXXX Credit report. Address listed for this XXXX XXXX is XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX Ph : ( XXXX ) XXXX XXXX | had never checked mv XXXX credit report before until just now when I noticed the other two inquiries. When trying to access XXXX for the first time, it was determined by myself and the customer service rep I was speaking to that the address of this financial institution was somehow also hooked to my account information as my personal address. I have never lived outside of MD so the TX address caught my eye immediately. This Rep was able to very quickly address the dispute and I believe that one is already resolved.
Product: Money transfer, virtual currency, or money service

A refund in the amount of {$33.00} from XXXX XXXX was submitted to my coinbase card XX/XX/year> upon logging into coinbase a pop up says coinbase is experiencing delays with refunds meaning they have received notification of my refund coinbase has been saying this for months and people have not received their refunds for months up to a year
Product: Debt collection

This collection agency has tried to collect a debt from me in unfair ways, which I've complained about previously. This medical debt was a result of a mistake by the provider and has been written-off by the provider. The provider as well as this collection agency have notified me in writing that my account is closed and I do not owe them any debt. 
I have just received a new email from this collection agency asking me for the full amount, again! This is a never ending nightmare. This is absolute harassment. Once again, the FDCPA states that debt collectors can't use false, deceptive, or misleading practices. This includes misrepresentations about the debt, including the amount owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to dispute the following information on my credit report, I recently received a copy of my credit report, and i found the following inaccurate information reporting to my credit. 

XXXX Account # XXXX Account Name : XXXX XXXX XXXX : Date of last Activity Reporting : XX/XX/XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX : Date of last Activity Reporting : XX/XX/XXXX Experian Account # XXXX Account Name : XXXX XXXX XXXX : Date of last Activity Reporting : XX/XX/XXXX How can all three credit bureaus have three different dates on the same account. The dates of activity are incorrect and does meet FCRA. According to he Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of FCRA - You are required to promptly DELETE all information that is inaccurate, incomplete or which can not be verified.
Product: Student loan

Received a notice of judgment to be filed against me if I dont pay a student loan that is in the hands of National collegated Student Loan trust. Ive learned that I never received proof that I took this loan out and have no idea from who but they have my information. I was forced to pay after the sheriffs office came to my home with papers stating I owe this debt. This was in XXXX of 2021
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so, they didnt follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA, Im entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccuracies on my credit report related to the Capital One account ( Account XXXX XXXX ). Despite my disputes, these errors remain unresolved, causing harm to my credit profile and financial stability. The details of the inaccuracies and violations are outlined below : Inaccuracies Identified : Payment Status : The account is listed as Collection/Charge-off, with a past due amount of {$2900.00}, even though the account shows a closed date of XX/XX/XXXX. 
The account status should not reflect ongoing derogatory reporting for a balance that was charged off over four years ago. 
Discrepancy in Reporting Date : The date of last activity is listed as XX/XX/XXXX, but the last payment date is shown as XX/XX/XXXX, which is inconsistent and impossible. 
This discrepancy violates the requirement for accurate and consistent reporting under the FCRA. 
Balance Owed and Payment Amount : The balance owed is reported as {$2900.00}, yet the payment amount is listed as {$0.00}, indicating no payment activity.

FCRA Violations : Failure to Report Accurate Information ( 607 ( b ) ) : Credit reporting agencies must ensure maximum possible accuracy. The conflicting dates and payment status indicate a failure to meet this obligation. 
Failure to Correct Errors After Dispute ( 611 ) : Despite my previous disputes, the inaccuracies remain unresolved, violating the FCRA requirement to correct or delete inaccurate information within 30 days. 
Supporting Evidence : I have documentation, including dispute letters and proof of delivery, that demonstrate my attempts to resolve these errors. 

Requested Action : Deletion of the Capital One account due to the conflicting information and unresolved inaccuracies. 
Correction of all reporting discrepancies to ensure compliance with the FCRA. 
These inaccuracies are significantly impacting my creditworthiness and financial goals. I request immediate investigation and resolution. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX. I when to XXXX Nissan to lease a vehicle. When I arrived, the car I called about 20 minutes prior was no longer available. They then showed my a few other option and said the price difference will be minimal because its a lease against the directive in total cost. They said they need to check my credit and to sign some papers. I said, I dont want to sign until I see some numbers. They said they can get the numbers and do a soft inquiry. I said to make sure its only a soft inquiry and I asked them 2 times to make sure. They confirm both times, its only a soft pull. There were 2 representatives that I was working with, and they both confirmed this. I signed the paper based on their word, to not do a hard pull/inquiry. Then 2 minutes later, I received a hard inquiry alert on my phone from both XXXX and XXXX XXXX. I was so upset. Unbelievable, I told them. The floor manager came and said sorry, there was miscommunication between sales team and finance person. He said I shouldnt have sign any papers. I said, your sales team said to sign abs I thought it was for the soft inquiry. He said there is nothing they can do now. Then proceed to try and make a deal. My XXXX score dropped XXXX points because of them. Im not buying anything from these guys.
Product: Checking or savings account

I notified chex information systems of fraudulent related bank accounts opened without my knowledge or consent by submitting an identity theft affidavit via certified mail with tracking XXXX. Chex has denied my request due to not having a police report included which is unacceptable an not a requirement under the Fair Credit Reporting Act per section 605a ( b ).
Product: Checking or savings account

XXXX XXXX issued me and my ex-wife a check ( # XXXX ) in the amount of {$15000.00} in XX/XX/2020. The check has both my name AND her name on it. 

However, Schwab bank improperly deposited the check to her " personal '' account without my endorsement at the back on XX/XX/2020. The money belongs to a loss claim of a house that was awarded to me in the divorce. As of now, the money is still in her account.
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Employers : XXXX XXXX  Employers : XXXX XXXX XXXX  Employers : XXXX XXXX XXXX Collection/Charge Off : XXXX XXXX XX/XX/XXXX {$2300.00} Late Payment : XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}
Product: Credit card

I got a rental car from XXXX XXXX XXXX XXXX in XXXX FL, my total price for the rental was supposed to only be {$1200.00} total because I had the rental for 2 months and under the corporate agreement code I had, I was to be charged no young driver fee, and I was supposed to get a rate of {$600.00} flat per month, XXXX ended up charging my credit card over {$2900.00} total which is not the price that I agreed to at all. When reaching out to XXXX they were extremely unhelpful and told me to reach out to my bank for resolution. Current always claims to investigate these claims but denies every single one of them. I want my money back. All {$2900.00} worth, I did not consent to being charged more than {$1200.00}, therefor these funds were stolen and the bank is refusing to assist.
Product: Credit reporting or other personal consumer reports

To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Inquiry made in XXXX XX/XX/year>.
Product: Student loan

The original loan amount is not the same as what is due. As per repayment, my end date is constantly changed without me knowing and Im never sent an update on this information.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Violation of Statute of Limitations, Fair Credit Billing Act, Uniform Commercial Code, and Electronic Funds Transfer Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX ( Account Number XXXX ), XXXX XXXX XXXXXXXX ( Account Number XXXX ), and XXXX XXXX XXXX ( Account Number XXXX ). I believe these companies are in violation of several laws including the statute of limitations as outlined in Indiana Code 34-11-2-7, the Fair Credit Billing Act ( 15 U.S. Code 1666b ), the Uniform Commercial Code ( UCC 9-210, 4 ( 8 USC 8 ) , and the Electronic Funds Transfer Act. Additionally, I suspect potential securities fraud in their handling of the certificate of indebtedness. 

The auto loan debt they are attempting to collect is more than four years old, which I understand to be in violation of the statute of limitations as per Indiana Code 34-11-2-7.

Furthermore, these companies have publicly reported late payments and other transactions on my credit report. To my understanding, this is not permissible under the Fair Credit Billing Act, specifically 15 U.S. Code 1666b, and the Uniform Commercial Code ( UCC 9-210, 12 CFR 1026.13 ). 

My account has not been credited for the certificate of indebtedness, which I believe is a violation of the Electronic Funds Transfer Act. This failure extends to the lack of credit for interest on my treasury coupon as well. 

HJR-192 and UCC 3-501 both address the issue of lawful money and the discharge of debt. Under HJR-192, the United States removed the gold standard, which had been the form of money constitutionally recognized. This action seems to have created a system where it's impossible to 'pay ' a debt, but one can only 'discharge ' a debt. I am being asked to pay debts with other debts, which appears to be an unlawful and unconstitutional practice.

Furthermore, I suspect security fraud in this matter. The certificate of indebtedness is a form of security, and the company 's refusal to credit my account for it may constitute fraudulent activity.

I urge the CFPB to investigate these allegations thoroughly. These violations have negatively impacted my credit score and overall financial health, and I fear the potential consequences if these matters are not addressed.

Thank you for your attention to this matter, and I eagerly await a resolution that upholds the protection and rights of consumers like myself. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Good morning. I have some inaccurate information being reported on XXXX and XXXX credit reports. This action took place from XXXX of 2022, to Currently. The missed payments on my account from Kashable LLC are incorrect. According to 15 U.S. Code 1666b- Timing of payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Student loan

After graduating from XXXX in 2005, I accumulated around {$20000.00} in student loans. 13 years later and making payments for years and years on time my balance is now {$15000.00}!!!

How can that be?

Right after graduating I was struggling to pay the entire monthly payment and they automatically directed me to forbearance. I wonder if thats the reason.

Navient website right now is set in such a way that it still directs people to programs that lowers monthly payments. I want to pay more to get rid of this evil loan that never seems to disappear.

Since I graduated I paid off 3 cars!!! So why is this loan not going away??
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and experian credit bureau is reporting these bankruptcy on there own account, XXXX is reporting the correct information, i'm attaching XXXX information to this report, i hope that CFPD step in and do something about this.