23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My credit report states that I have a collection with XXXX XXXX XXXX. 
Since XX/XX/2018 I have requested twice that they send me information about the collection, date of service, patient, place of service. The account is also reporting Joint. I do not have any Joint accounts. 
Called again today XX/XX/2018. there was no answer.
Product: Debt collection

I have asked National Credit System to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Student loan

XX/XX/2019 I made an extra payment of {$3000.00} to a specific loan to lower the principal. Instead, the payment was applied as " paid ahead ''.
Product: Credit card or prepaid card

Comenity Bank has not updated my credit report since XX/XX/2022, over two months ago. I also have not received any of my rewards in two months either. I have since completely paid off this balance but since they're not reporting it I'm continuing to take a significant hit on my credit score. Ever since this bank 's supposed " update '' 2 months ago that locked everyone out of their accounts for weeks they have done nothing. No reporting payments to the credit bureaus, no rewards points for using our cards. I paid over a {$500.00} balance that I would like reflected on my credit score, they haven't reported anything for over 2 months. This is unacceptable
Product: Credit reporting or other personal consumer reports

I got denied my rights to obtain credit! The company based its decision from Experian!
Product: Debt collection

Appears to be the debt sold from Chase whereby original dept had been disputed. Did not belong to me. Incorrect middle initial.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX on XX/XX/2022 pulled my credit and I did not apply for anything XXXX XXXX Bank pulled it on XX/XX/2022 and I did not apply for anything with them
Product: Debt collection

I received a summons regarding an account I was not familiar with on XX/XX/21. I responded to disregard any legal action meanwhile disputing it with the 3 main credit bureas. I recently had to update it as identity theft. The debt buyer is now attempting to take me to court for an account that was never mine. I have only been provided monthly statements that they sent to an address that, at the time was not my current address. There is no signed contracts included. I have never seen this debt or the creditor and I am provided very little. They had another " collection '' account that was apparently mine but soon after my dispute with the 3 main credit bureas, they deleted it due to it not being my debt.
Product: Debt collection

I applied for an apartment around XX/XX/2022 and was declined admission. I was told by the lady working the sales lady that my deposit would be applied to move in if I was approved. However, she said that if I was denied, my deposit would be refunded since I already deposited money previously since I was not able to move in, because the apartments were under construction. I was not approved to move in and my deposit was not refunded and I had to dispute the charge with my bank. They refunded me the money. 

Approximately XX/XX/2022 I started to receive notices from the mentioned collection agency that I was indebted to them and owed XXXX XXXX Apts {$350.00}. I have never signed a legal contract or have ever stayed at this apartment complex at the above residents. This collection agency is now placing false derogatory negative reporting on my credit report. I am disgusted this is how they treat a wounded XXXX XXXX veteran would try to find refuge after being flooded out by both Hurricanes Ian and Nichole. I was trying to use my FEMA money to be trying to find shelter, and this place was trying to keep it.
Product: Money transfer, virtual currency, or money service

I called my bank to complain about a scammer who claimed to be a tattoo artist this said tattoo artist scammed me out of {$200.00}. When I explained to my bank the situation and asked if we could cancel or freeze my account so that the money wouldnt stay with the scammer they told me that I couldnt do anything anymore. Once the money was already sent. This was very upsetting to me because I trust my bank to help me out with this scam I experienced But also, the scammer didnt receive any consequence. XXXX XXXX  at least has a warning on phone numbers that are constantly used and reported to be said scams now Zelle doesnt have anything like this to warn us. We have To put our trust Those who we are sending money to. I understand that as an individual, we should be double checking we are sending money to, but there are also instances where we can be fooled by these scam artist.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting Act, XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX and XXXX XXXX XXXXXXXX # XXXX and XXXX XXXX XXXX # XXXX and XXXX XXXXXXXX XXXX # XXXX and XXXX XXXX # XXXX and XXXX XXXX XXXX # 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 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I want to inform that I need to do a chargeback process in a transaction through my bank account. I bought some devices for my company via XXXX in XX/XX/2020. The seller promised to deliver the device in less than one month. On several occasions I was in contact with the seller who told me that he had problems with the order but they'd deliver. I have already spoken with XXXX directly and with the Seller in the last 4 months without any help from either of them. They do not want to return the money or give the devices that were promised to me. They even sent me devices that don't work and wrong chargers. I enclose all the messages that I have exchanged with the seller. Even the representative who sold me the item does not work for the company anymore but the new representative does not reply to my messages. 

Due to the lack of communication from the seller and his company, I have to turn to you to start a chargeback process in the transaction of XX/XX/2020 for {$3700.00}. 

I add the tracking numbers I have. 

XXXX platform showing the devices were delivered to XXXX US, despite my address and order being for Puerto Rico address. XXXX  XXXX Tracking for wrong chargers/devices that are not part of my order. These were delivered to my house but didn't include any of the materials I ordered. USPS XXXX
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 : XXXX Account Number : XXXX XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX and 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, credit repair services, or other personal consumer reports

On XX/XX/2020, I am seeing a hard inquiry with XXXX from Bank of America. I did not authorize said bank or any person or entity to obtain my credit report. This may be a fraudulent inquiry. I have communicated with XXXX  about this issue, and they assure me they are going to remove this entry.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was unknown to me. I send a complaint to inform that I am a victim of identity theft and I sent letter to Credit Bureaus on XX/XX/XXXX to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
These items are unknown to me. Also, the information provided on some items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some items are mystery to me.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. Please Remove the following items listed : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$140.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$740.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Date Filed/Reported:XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported:XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/ReportedXXXX Reference # : XXXX ; CXXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ;
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

Experian, I have submitted several letters to your company to address the incorrect payment history that is reporting on my credit report. I would like to advise that the fact that you are ignoring my concerns has resulted in several denials. I have attached a screenshot to address the payment history on my XXXX acct # XXXX which is an unverifiable account number. Your company and your company only reported a 90 day late for XX/XX/XXXX, A 90 day past due for XX/XX/XXXX, and 120 day past due for XX/XX/XXXX. 

The information shows no 30 day late payment and it is reporting inaccurately. please correct.
Product: Credit card or prepaid card

Yes I contacted capital one about getting few payments deferred. Would nit work with me during corona viruses. I'm also on XXXX too. Plus have XXXX too. Going thru hardship. Need help.
Product: Credit card

I made a complaint about these XXXX transactions on XXXX XXXX XXXX XXXX XXXX : {$180.00} - XXXX : {$500.00} Chase concluded the investigation and stated I was responsible for them because they came from my XXXX wallet. 

I never made these charges and expressed that to them. 

Chase claims I had to because it was on my phone but theres no transactions reflecting that on my actual phone transaction history. 

It was denied today on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I consumer XXXX am filing a complaint against the CRAs for reporting information on my consumer report that was obtain illegally. I have contacted the clerk, XXXX XXXX, at the XXXX Bankruptcy Court to confirm if they shared a discharged bankruptcy on my name with any of the CRAs. The clerk 's office confirmed that they do not share such information with the consumer reporting agencies. I contacted XXXX, they confirmed that this reporting is no longer in their system, I reached out to all three TransUnion, XXXX, and XXXX to confirm where they are getting information of such bankruptcy that is being reported on my consumer report they all stated that it has been verified. I have no idea where they are confirming this information with, they are reporting information that was obtained legally because I did not consent of such reporting on my consumer reports and the court confirmed that they did not share any information with the CRAs. The CRAs are ruing consumers lives by violating the laws that are in place to be followed, they are intentionally reporting negative information. That is outrageous and something needs to be done about this.
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 are unfair and request an investigation into my account transactions. 
Il
Product: Credit card or prepaid card

On XX/XX/2022 I applied for a credit card and was denied by American express.
Product: Credit card or prepaid card

On XX/XX/2020, I tried to redeem my American Express membership rewards points for a flight reservation through the American Express travel portal but the points redemption didn't go through. Upon chatting with a representative, I was advised that my membership rewards account has been flagged for review when I tried to redeem my points and that this process can take 6-8 weeks.

It's been 8 weeks and my account is still under review, I'm not able to use my points. It's worth noting that I didn't receive any signup bonus that needs to be reviewed to determine my eligibility.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the incorrect personal information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I request that you update my file to reflect the correct information and remove all inaccurate data per XXXX XXXX compliance guidelines. 

Incorrect Information to Remove Names to Remove : XXXX XXXX XXXX ( with incorrect variation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses to Remove : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Correct Information to Keep Full Legal Name : XXXX XXXX Current Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX I have enclosed copies of my drivers license, utility bill, and social security card to verify my identity and correct address. Please delete any and all names and addresses Please investigate this matter and correct my credit report. Under FCRA Section 611, I expect a response within 30 days confirming the removal of this incorrect data.
Product: Credit reporting or other personal consumer reports

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately. 
XXXX. XXXX XX/XX/year> XXXX. XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XX/XX/year> Inquiry Name Date of Inquiry Please remove these erroneous items IMMEDIATELY and send me an updated copy of my credit report. 
Thank you, XXXX XXXX
Product: Debt collection

I noticed  XXXX  collections on my credit report from Americollect. I sent for validation of the debt since it did n't state who the original creditor was. it only had  XXXX  and one for  XXXX . Americollect never responded, yet they continue to report this inaccurate information on my credit file. This agency is not bonded to collect in my state. They are operating illegally and they are violating the laws of the Fair Debt Collection Act.
This agency never sent me a letter or anything notifying me that they were putting anything on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filling this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified " that I have disputed. Please resolve this matter as soon as possible. 
Thank you.
Product: Mortgage

FREEDOM MORTGAGE DURING COVID GAVE ME THE FORBEARANCE WITH AN FHA LOAN AND SUDDENLY IT WAS CANCELLED WHICH THEY SAID WAS " OUR '' DOING WHICH WAS RIDICULOUS. WHEN I SPOKE WITH THEM THEY SAID THERE WAS NO POSSIBLE WAY TO REINSTATE THE FORBEARANCE AFTER 3 MONTHS. THEN THEY HAD PEOPLE SHOWING UP AT OUR HOME WITH LOAN MODIFICATION PAPERS AND THEN TO OUR SMALL BUSINESS. WHEN I RESEARCHED FURTHER I LEARNED I WAS " ENTITLED '' WITH AN FHA LOAN WITH THE CARES ACT TO RECEIVE THE FORBEARANCE FOR 12 MONTHS AND CALLED THEM BACK TO DISCUSS THE ISSUE. THIS TIME THE ASSOCIATE TOLD ME I WAS IN FACT ENTITLED TO THE 12 MONTH FORBEARANCE WHICH BLEW MY MIND BECAUSE THE OTHER FREEDOM MORTGAGE ASSOCIATE BASICALLY SAID SUCK IT UP AFTER RECEIVING 3 MONTHS OF FORBEARANCE TOLD US NO. OUR BUSINESS SUFFERED GREATLY DURING COVID AND WE RECEIVED ZERO HELP FROM OUR STATE DURING THE LOCKDOWN AND NOTHING AFTER THE FACT SO FORBEARANCE OUR ONLY OPTION. TODAY THEY SENT CERTIFIED LETTERS TO OUR BUSINESS THREATENING TO TAKE OUR HOME FROM WHAT I CAN GATHER BUT WILL HAVE TO CONSULT AN ATTORNEY TO SEE EXACTLY WHAT THAT CERTIFIED PAPERWORK MEANS AS IT JUST REACHED THE 1 YEAR MARK OF THE FORBEARANCE. THESE PEOPLE ARE SKETCHY AND YOU'LL RECEIVE ALL KINDS OF DIFFERENT ANSWERS FROM THEIR ASSOCIATES. I NEED ADVICE TO THIS SITUATION
Product: Credit reporting or other personal consumer reports

The lender modified my auto loan account during an active dispute, violating FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), proving prior inaccuracies. This suggests unverifiable data, requiring full account deletion
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the Consumer Finance Protection Bureau. Please block and remove all information from my credit report, and send me an updated copy of my credit report.
Product: Student loan

Dear Navient/Mohela, I am writing to formally request the discharge of my private student loans associated with my attendance at The XXXX XXXX XXXX XXXX XXXX XXXX to XXXX. During this time, I was compelled to take out private loans based on misleading information provided by the school, which promised career prospects and financial outcomes that were never realized. 

As you may be aware, The XXXX XXXX engaged in widespread deceptive practices, which have been acknowledged by the XXXX XXXX XXXX XXXX. In XX/XX/XXXX, the department approved over {$XXXX} XXXX in student loan forgiveness for students who attended the institution between XXXX and XXXX due to proven misconduct. My federal student loans have already been XXXX under the XXXX XXXX program. However, despite this recognition, my application for the discharge of private student loans was denied by Navient, citing ineligibility. 

I would like to highlight the following key developments that support my request : XXXX. Congressional Inquiry : In XX/XX/XXXX, XXXX XXXX XXXX, alongside other lawmakers, sent a letter to the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) urging them to investigate Navient 's practices. The letter detailed concerns that Navient 's process for handling school misconduct discharge applications is flawed and improperly denies relief to borrowers affected by predatory institutions, including The XXXX XXXX. 


XXXX. CFPB XXXX XXXX Navient : In XX/XX/XXXX, the CFPB announced a proposed order permanently banning Navient from federal student loan servicing due to years of failures and misconduct, requiring the company to pay {$XXXX} XXXX, including {$XXXX} XXXX in redress for harmed borrowers. 


XXXX. XXXX XXXX 's Findings : A XX/XX/XXXX press release revealed that Navient 's process for determining eligibility for school misconduct discharges unnecessarily burdens borrowers and results in an XXXX  % denial rate. Lawmakers have called for immediate reforms. 


Given the closure of The XXXX XXXX XXXX XXXX, I do not have access to financial statements or records. However, my federal loan discharge and detailed statement should provide sufficient evidence of the harm caused by the institutions misconduct. 

I respectfully urge Navient to reconsider my application and align with the federal stance on recognizing and remedying the harm caused by The XXXX XXXX ' misconduct. I request the immediate discharge of my private student loans associated with this predatory institution. 

Thank you for your time and attention to this matter.
Product: Credit reporting or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I will certainly be entitled to under FCRA Section 616 and Section 617 regarding your continued willful and negligent noncompliance. I am a victim of identity theft Therefore, I hereby ONCE AGAIN demand that you immediately delete the fraudulent accounts listed below, which are a result of Identity Theft : FRAUDULENT ACCOUNTS TO BE DELETED : XXXX  Account # XXXX Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 
XXXX XXXX  XXXX Account # XXXX Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ).