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

On XXXX I noticed charges to XXXX in amounts just over XXXX. I called customer service and told them about fraud on my account and ask that the account involved be closed. They closed my regular checking account instead of spending account. More charges made next day XXXX. Total charges of XXXX. The sent request for refund. I recited letter a few days later from Regions that said no refund I had authorized the charges. I went to Regions university in XXXX XXXX and spoke to banker she said she would ask Regions to reopen request for refund due to fraud. She told me charges were XXXX Paso with was XXXX plus dollars. Total charges were XXXX including transaction fee. I told her the only thin I remember using the card for was I received Notice from post office with there logo telling me I had package and there was postage due. I used my spending account debit card to pay postage due. Never received package and some person in another country took XXXX out of my account. She requested case be reopened. Regions bank Sen me another letter that fraud couldnt be reimbursed because I authorized the charges. I never authorized the charges Made in pesos with foreign transfer fees.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX account Account XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I looked at my XXXX Credit Report on XX/XX/year> and noticed some things are incomplete and not accurate according to the Fair Credit Reporting Act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to USC 1681 ( e ) ( b ) According to 15 USC 1681i they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information In general, after any reinvestigation under investigation under paragraph ( 1 ) of any information disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX and TransUnion Credit reporting agencies in reference to inaccurate account balances on my credit report. I have done a thorough research myself and I have discovered that XXXX and TransUnion did update the accounts showing updated payment dates, but inaccurate account balances. I have disputed several times in this matter. 
XXXX XXXX {$0.00} XX/XX/2023 XXXX XXXX {$0.00} XX/XX/202XXXX XXXX XXXX  {$0.00} XX/XX/2023 XXXX XXXX {$0.00} XX/XX/2023 XXXX XXXX XXXX XXXX  {$0.00} XX/XX/2023 XXXX XXXX XXXX XXXX  {$0.00} XX/XX/20XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The department of Education and Aidvantage has XXXX all my school loans from XXXX due to their bankruptcy and bad loan dealings. 

I have attached XXXX letters stating that they were XXXX and would like to see this pushed to the credit agencies. 

I would like to see this reflected soon in my credit report so that i can buy a house. 

Thank you
Product: Credit card

American Express Prepaid decided to start levying a monthly maintenance fee without 1 ) Informing me or 2 ) getting any contractual signatures from me. They proceeded to deplete my account of all the money I had already deposited. 

When I contacted them to cancel the account, there was no paper reciept / paper trail that I could get to confirm that my account has been cancelled.
Product: Student loan

I am eligible for PSLF as a XXXX Direct Loans/ACS consolidated my loans when I graduated in XX/XX/XXXX from XXXX XXXXXXXX XXXX . I began repaying my loans after the grace period in a standard repayment in XXXX of XXXX. I continued paying every single month until I began my XXXX XXXX in XXXX of XXXX. However, the data in my Federal Student Aid file shows that I graduated and consolidated in XXXX of XXXX and then has me listed as In School from XXXX of XXXX through XXXX of XXXX, the entire time XXXX held my loans. I have documentation showing that I was paying on a standard repayment plan during that time but I do not have proof of every single payment, as my bank doesn't issue information that old. As a result, I am currently missing XXXX payments that count toward my PSLF ( beginning XXXX of XXXX- XX/XX/XXXX ). These payments are vital to my ability to discharge my loan through the PSLF program. 

I can not ask for information from the company as they no longer exist.
Product: Debt collection

Notice to all, I am that the consumer, in fact, natural person, original creditor, lender, executor administrator, holder in due course for any and all derivatives thereof for a surname. I XXXX XXXX who is currently of the age of majority would like to validate the information listed above is accurate and hereby would like to address several violations that have occurred between the creditor ( MIDLAND CREDIT MANAGEMENT ) and the XXXX, XXXX  & XXXX  a Non-Government reporting company. 


Fact, The Fair Debt Collection Practice Act was established to stop the abusive, deceptive and unfair debt collection practice by many debt collectors.

Fact, Affiant is aware and has proof in attachment labeled exhibit " A '' that MIDLAND CREDIT MANAGEMENT and XXXX, XXXX  & XXXX  a Non-Government reporting company is currently in violation of U.S.C 1692c ( a ) in which any COMMUNICATION WITH THE CONSUMER GENERALLY-States Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

Fact, Affiant is aware and has proof in attachment labeled exhibit " A '' that MIDLAND CREDIT MANAGEMENT is currently in violation of 15 U. S. C. 1692c ( 3 ) ( b ) COMMUNICATION WITH THIRD PARTIES-Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate in connection with the collection of any debt with any person other than the consumer his attorney. MIDLAND CREDIT MANAGEMENT willful violated my rights by non-compliance I the consumer demands the ceasing of communication as stated in 15 U.S.C 1692c ( 3 ) ( C ) with all parties involved and for the related information to be removed from my report. Due to MIDLAND CREDIT MANAGEMENT XXXX, XXXX  and XXXX  have willfully violated several of my rights I am also seeking Civil liability which 15 U.S.C states any debt collectors who fail to comply with any provision of the title with respect to any person is liable to such person in an amount equal to the sum of {$1000.00}.
Product: Credit card or prepaid card

On XX/XX/XXXX, I erroneously issued an electronic payment from my XXXX XXXX account to XXXX  in the amount of {$200.00}, which cleared my bank account on XX/XX/XXXX. The account referenced on the electronic payment was XXXX. The payment number was XXXX. I no longer had an active credit card account with XXXX at the time of payment and no amount was due to them at that time. 

I called the customer service line for XXXX  credit cards several times, and on XX/XX/XXXX, a representative of XXXX XXXX  faxed the payment information to XXXX with the payment disputes department for XXXX  at XXXX. I have attached a copy of a letter I received from XXXX XXXX   detailing this. I am also attaching a copy of the page from my bank statement that shows the {$200.00} payment to XXXX from my XXXX XXXX account. 

On XX/XX/XXXX, I followed up with a letter to XXXX, which is also attached, because I had not received a refund of the payment. I faxed the letter to XXXX and have attached a copy of the fax confirmation. I also mailed the letter to XXXX XXXX XXXX XXXX, MN XXXX. As of today, XX/XX/XXXX, I still have not received a refund of the payment that was not owed to them, nor have I been contacted by them.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights to privacy. 

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 They have harassed me via phone, even after changing my phone number. I am demanding the original application for this debt be furnished, along with proof of my written signatures or this needs to be remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with Experian Credit Bureau.I have verifiable court documents, proof from the agency ( Attorney General Texas Child Support Account number # XXXX ) reporting info. And it is opposite of what Experian is reporting. Experian is reporting my account as late on my monthly payments and shows XX/XX/XXXX. My payments for child support come out of my check weekly. I am submitting this once again Showing that all payments were on time and are current on monthly payments. Experian says they have verified it, but there is no way. I have submitted documented proof admissible in a court of law showing all my monthly payments have been up to date. They must correct this info or delete the derogatory info. They deleted it once only to put it back months later. It has hurt my ability to obtain credit. I have filed complaint with Experian 3 times always getting answer verified as the same answer. This is false info. I have submitted all documents proving my case. If they took the time to look at these documents.. They would see they are from the same agency Attorney General of Texas which they said they verified it with. And these show my payments on time with payment dates. which means they didn't verify it as true. And these documents are admissible in a court of law. Please help me as this info they are reporting for Attorney General Child Support account # XXXX is totally false. I am attaching all documents for you to see. I have asked over and over to correct it or delete it from my reports. They are violating the law. I ask that this be permanently deleted from my credit report. If it isn't I will retain legal representation to uphold my rights according to the fair credit act.. I have documents of payments being current that is admissible in a court of law. Once again if they would look at these documents they would see they are reporting wrong info. These are documents admissible in court of law which show my monthly payments up to date. Up to XX/XX/XXXX with no late monthly payments. I am also submitting copy my driver license for ID. Once again these documents show my monthly payments are on time which means they did not verify the payments as current. My social security number is in documents
Product: Debt collection

I have just discovered that I have a judgement against me with a company named Cavalry SPV I , LLC. I only found out when I went to use my debit card and my account was frozen. No notification from company or bank. Bank sent notice two weeks after account was frozen with a letter stating that a levy was put on my account from cavalry. I called Cavalry to see what it was for and they would not disclose information. Stated my bank needed to answer questions for judgement. I have never received paper work for this account, not even sure if it is my account. Never was asked to appear in court or received letter requesting court hearing or I would have appeared. They froze my account and also both my teenage children. I would like this investigated and judgement removed.
Product: Student loan

Naviant is harassing me with their calls every single day any time of the day and night they are really full of it. I submitted papers to them for my loan that is being reviewed and processed and I have repeatedly told them what I have done but they still call and threaten me about the loan, now I understand the bill is mine but am not able to pay it but I have reason for it, they also harass my cosigner and she has told them that the papers have been sent can you please please help me with this issue.
Product: Money transfer, virtual currency, or money service

On Friday, XXXX XXXX I was searching for a dog through XXXX and after extensive research came across a post from someone who was located not that far from me. Because I found them on XXXX which is supposed to be a trusted website, I reached out to the seller. After talking all day, she made me feel like everything was fine and I would be getting a dog soon. Come time for payment she wanted to use XXXX as it is linked to her bank account. I was under the impression that because XXXX is linked to our banks, I would be protected and had nothing to worry about. I sent her half the amount for the dog of {$350.00} and would send the other half once the dog arrives. A few hours later she says she is getting him ready to be shipped to me and would need the other half of the payment. This raised a red flag and the person I was speaking to started sounding more and more suspicious. I refused to send her the other half and everything was supposed to be canceled and refunded. She showed me a screenshot of her sending my money back but it has been 2 days and nothing. I have tried messaging the seller and it has been silent. I can not get a hold of her now. I have tried contacting my bank, Wells Fargo, and so far they have not offered any solutions. If XXXX is linked to our bank accounts, I do not understand why we are not protected against fraud and scams. This makes people not trust the service.
Product: Credit reporting or other personal consumer reports

Due to the response by XXXX XXXX this account is not valid/verifiable and should be removed from my credit report immediately. The response has been attached along with the CFPB complaint ID for your review. Thank you.
Product: Debt collection

I am writing to file a complaint against XXXX XXXX regarding a debt that was improperly reported on my credit report. There are several issues with this situation that I believe violate debt collection laws and regulations : 1. Lack of proper debt validation notice : I was never notified of this alleged debt or provided with the required validation information as mandated by the Fair Debt Collection Practices Act ( FDCPA ). Under the FDCPA, debt collectors must provide written notice containing specific information about the debt within 5 days of initial contact.

2. Inaccurate information : The address associated with the account ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX  ) does not have internet service, calling into question the validity of this debt. Reporting inaccurate information to credit bureaus violates the Fair Credit Reporting Act ( FCRA ). 

3. Failure to investigate dispute : When I contacted XXXX to resolve this issue and offered to pay the amount to have it removed from my credit report, they refused to delete the entry. This failure to properly investigate and correct inaccurate information violates the FCRA. 

4. Lack of response to dispute : The FDCPA requires debt collectors to cease collection activities and provide verification of the debt if it is disputed within 30 days. XXXX failed to follow this procedure. 

5. Potential violation of the CFPB 's Debt Collection Rule : This rule requires debt collectors to provide specific validation information to consumers, which I did not receive. 



Thank you for your attention to this matter. I look forward to a resolution that protects my rights as a consumer. 

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

This is an addendum to complaint XXXX. 
Initially when I called Experian to complain ( my 1st complaint ) about my report and FICO score they said I would n't be charged {$19.00} which was showing as pending when I made the call on XX/XX/XXXX Experian charged my account anyway. I called once on XX/XX/XXXXand another time the week of XX/XX/XXXX to ask them to remove the charge again. The second time they said just ask XXXX XXXX to remove the charge. I said if I do that I am reporting it as fraud. You made the charge for the month of XX/XX/XXXX after I cancelled the account in XX/XX/XXXXand you agreed not to charge me. Experian reluctantly agreed to remove the charge. By XX/XX/XXXX the charge still was not removed ( 2 months after it was charged ). I reported it to XXXX XXXX who removed the charge on XX/XX/XXXX and sent me the attached letter. Obviously Experian ca n't be trusted to correct their own simple billing errors. As I said in my previous complaint : Experian should stop worrying about their sales of credit cards and products and fulfill the job of a credit reporting agency fairly. As the Experian reps told me - Experian has no control over their credit reporting agency, the policies and procedures of their agency, the credit reports they produce, or the FICO scores their agency produces that affect millions of consumers ability to get credit at fair rates based on their credit score and credit reporting history. Experian should step out of the primary credit reporting and scoring company until they can get their act together. Because if this happened to me it has certainly happened to hundreds of thousands if not millions of others. XXXX who has none of these problems should take the lead as primary credit reporting agency for the sake of millions of consumers who need fair and accurate credit reporting and credit scores.
Product: Credit card

I reviewed my Credit Report on XX/XX/2016 which showed an XXXX point drop due to supposed delinquent bill with Macy 's. I phoned Macy 's customer service on XX/XX/2016. I was told I have a Macy 's account I was not aware of which which is linked to a Macy 's Credit Card I do possess. The Representative who assisted me explained that I had been charged late fees of {$23.00} per month for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2016 for a bill paid in full XX/XX/2016. Macy 's Rep. was able to remove the fees and adjust my balance to {$0.00}. ( Which is not yet reflected on my online account. ) I have never received an online or paper bill from Macy 's ( on either existing account ) and when I requested a credit adjustment to my Macy 's account to reflect the account was NOT delinquent and properly reported to Credit Reports, I was transferred 3 times and told Macy 's was unable to make any adjustments and it would be necessary to make credit adjustment or correction requests directly to credit reporting companies. This is unacceptable and I would like delinquency payment removed and negative scoring removed from my credit reports.
Product: Credit card or prepaid card

After numerous problems using the credit card, I am now unable to use rewards Citi promised me for using its card. I receive the following message when I attempt to use the awards after logging into my account : You must be the XXXX Account member generally the Citi primary cardmember or primary signer on the enrolled Citibank checking account to access the associated XXXX XXXX Account from this website. XXXX Account membership and Points redemption are subject to applicable Terms & Conditions. 

I chatted with Citi customer service after being on hold for XXXX minutes. They told me they couldn't help me.
Product: Mortgage

hello my name is XXXX XXXX. i 'm in dire need of ur assistance. re : hamp, my pay for perfornance incentive. facts : im in my 6th year to rec'v $ XXXX. my anniv. date is XX/XX/XXXX. i 'm closing XX/XX/XXXX altho ' im in good standing my mortgage company is saying i need letter from treasury to say okay to close and still rec'v my incentive of $ XXXX. since i still lived here on anniv. date. and closing 3 days after anniv date. otherwise, they will not pay me. can you please help me? i wish to close on XX/XX/XXXX and not XX/XX/XXXX. it messes everything up. i had just spoken to treasury dept this morning, and guy told me treasury is n't paying me directly ( he checked using my ss number ) treasury is paying your mtg company, so as long as you are in your home on your anniv. date of XX/XX/XXXX, i  should be entitled to my final payment. to call my mtg company. i just did and left message. can you pls call me? i have been in contact with XXXX XXXX since XX/XX/XXXX ; first the denial of my $ XXXX was bcos i was not in good standing, i proved i was, she checked with my mtg company who agreed with me ( XXXX ) that i was in good standing. then i was n't eligible bcos i am closing XX/XX/XXXX, and my anniv date is XX/XX/XXXX. so i moved it to XX/XX/XXXX. to play it safe. now, its bcos treasury is paying them around XX/XX/XXXX, so since my loan has been paid in full i am not getting my monies. since when it goes by when treasury issues funds to mtg co?? its the anniversary date from what i been told 7 years ago!! i did all i could by calling everyone for help including writing letter to President Trump this morning. I can not afford to change my closing date, as it will cost me more monies with airlines ( for moving men to fly home ), rental truck, etc ... .. i am XXXX years of age and certainly do n't need this stress or runaround. i called XXXX XXXX XXXX this morning letting her know that i s/w treasury, and he told me its not federal, and not paying me directly. pmt made to mortgage company and they can send me seperate check to new home address when pmt is received to them by treasury. yet they seem to fight me on this. please help me. i 've done all i can. thank you for your time and attn. sincerely, XXXX XXXX XXXX
Product: Credit card

In XX/XX/2023 we received an email from chaseXXXXXXXX that if I added an authorized user on my account which I did that being XXXX XXXX and spent at least {$100.00} on the new account by XX/XX/2023 which we did, the amount being {$100.00} we would receive a {$25.00} credit on our account. We received no credit so I called and initially was told I would receive the credit, when it was not received and after being transferred several times including XXXX XXXX itself who said that Chase is responsible for this credit was told that they could not authorize the credit and gave no valid reason.
Product: Debt collection

This bill was paid a while ago.This should not be on my credit report! I have been rebuilding my credit over the past 2 years and I take my  credit score a nd report very serious. This came up today when I applied for a home loan pre-qualification. I  may  be denied because of this and I need this removed from my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX the following XXXX unauthorized transactions were charged to my XXXX account and debited out of my Chase checking account that is linked to my XXXX account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am not familiar with any of these businesses, nor did I authorize these transactions. I also have not shared my phone, computer or XXXX logon credentials with any person. 

I have contacted XXXX XXXX and they stated they do not take XXXX as a type of payment. I have left a voice message on what is said to be XXXX XXXX XXXX XXXX XXXX with no return call given. I can not find a website or contact number for XXXX XXXX XXXX. 

I started a dispute with Chase bank on XX/XX/XXXX that was denied today XX/XX/XXXX with them stating there was not enough information to prove that these were fraudulent charges. 

I also started a dispute with XXXX today XX/XX/XXXX. They said to give them XXXX business days to process the dispute.