23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

NAVY FEDERAL CREDIT UNION CLOSED MY ACCOUNT WHICH IS UNLAWFUL PURSUANT TO 12 CFR 10002.7 SUBSECTION ( XXXX ) ( XXXX ) TERMINATE ACCOUNT AS WELL AS PRIVITY OF CONTRACTION - PRIVITY IS A DOCTRINE OF CONTRACT LAW SAYS CONTRACTS ARE ONLY BINDING ON THE PARTIES TO A CONTRACT AND THAT NO THIRD PARTY CAN ENFORCE THE CONTRACT OR BE SUED UNDER IT.
Product: Debt collection

I am writing to formally dispute a move-out fee that has been charged to me by XXXXXXXX XXXX XXXX I applied a couple months ago to rent an apartment at this property, but my rental application was denied. Since I never signed a lease, took possession of a unit, or lived at your property, I believe this fee is invalid and should be removed from my account immediately. 

To clarify : My application was denied, and I was never approved to move into the property. 
I did not sign any lease or move into the apartment. 
As a result, there was no move-out to warrant any fee. 

Below I submitted a denial letter from XXXX XXXX.
Product: Debt collection

XXXX XXXX purchased this loan from Conn 's XXXX. I informed them that my mother opened this account unknowingly and advised them to validate and verify. XXXX XXXX has also harassed me repeatedly outside of FDCPA guidelines via phone and I received calls from blocked # 's from their reps advising that my account was " in their office and I am going to be sued ''. The lack of professionalism and ethics was incredible.
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXXn accuracy and XXXXompleteness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX, I went into XXXX XXXX XXXXXXXX XXXX placed a application for a XXXXXXXX XXXX XXXX, through XXXX XXXX, i was told that the loan would be XX/XX/XXXXdays, same as cash. The ring did not fit and needed sizing. I was told that it would take a week. on, XX/XX/2022, i received a Call from XXXX XXXX, the person calling was unaware of payment terms, this made me weary because i didn't want any problems, or any damages to my Credit. I Immediately told her that, if the terms were not as stated, I would like to Void /Cancel account, because i still did not have ring. She said she would get me the facts and call me back. After several conversations with XXXX XXXX XXXX I decided that it was in my best interest to Cancel this Loan, Because no one knew the terms of the loan, they were very Rude, demanding, threatening, unprofessional, while using intimidating tactics to force me into this loan, that i did not want, nor had possession of any items. on XXXX, XXXX, XXXX  I spoke to the Manager XXXX XXXX XXXX, who agreed to void contract, he said if the ring was still at XXXX XXXX  XXXX XXXX he would be glad to Void contract, the ring never left XXXX XXXX and is still there. In XXXX I started back getting phone calls from XXXX XXXX, each time, i would state that they need to talk to the manager, because he told me he would Void contract. Finally, I called and spoke to XXXX XXXX again on XX/XX/XXXX, but this time he had a mean and nasty attitude, and refused to cancel/ void contract as previously stated, so now I need help, because, this company is threatening to damage my credit for a loan, i asked to void before any payments became due, and I never received any merchandise ( the ring )
Product: Credit card

Subject : Unauthorized Transaction Dispute Denied by Chime Request for Reopening and Refund Complaint Description : I am filing this complaint against Chime regarding the denial of my dispute for an unauthorized {$510.00} transaction to XXXX XXXX on my account ending in XXXX. I did not authorize this transaction, and my card and personal information have been compromised. 

Key details of my case include : Unauthorized Transaction : A {$510.00} charge was made to XXXX XXXX, a company I have never done business with or authorized any payment to. 

Compromised Access through Family Phone Plan : I have two phones under a family plan, and the second phone has access to my account details. I believe that someone used this second device to view and misuse my card information, resulting in the fraudulent transaction. 

XXXX XXXX XXXX : I was also a victim of the XXXX data breach, which exposed my personal information and made me more vulnerable to fraud and identity theft. Another fraudulent charge was made to my XXXX XXXX account around the same time, which was investigated and confirmed to be fraud by XXXX XXXX. 

Legal Protections : Under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, I am entitled to protection from unauthorized transactions, and as I promptly reported the issue, I should not be liable for the fraudulent charge.

I have already provided all the necessary information to Chime, including details about the unauthorized transaction, but my dispute was still denied. This decision seems unfair given the facts and supporting evidence of fraud.
Product: Credit card or prepaid card

On XX/XX/2018 I purchased ( XXXX XXXX ) from a website called XXXX and after not receiving my tracking number for the order after a day and half I called my bank to file a complaint concerning this issue. I order from online pretty frequently and Ive never waited over 24 hrs to receive a tracking number so it raised suspicion to me and so after going back to the website and calling the customer service number and me being forwarded to the voicemail 5 times I called my bank immediately to have the stop the payment. They told me NO wait until a week before I file a complaint or dispute but I keep urging and telling them this didnt seem right because again I order online all the time and Ive never had this issue with a seller before. I told them I wanted my money back because I tried to tell them that the website was fraud they kept telling me to wait and after three weeks they finally listened to me and started an investigation at this time Im disappointed and upset because thats {$99.00} Im out of and that couldve been stopped if they wouldve listened to me before. I want them to release my {$99.00} to my account. Ive tried calling several times to get it back they dont seem anxious enough about getting my money and is telling me that it could take 120 days Im not waiting that long then they told me I may not get my money at all but thats not fair because I called them in time enough to have it stopped they wouldnt listen. I told the Supervisor to check in XXXX when I called because they supposed to keep records and notes and recordings of every single call and that wasnt done. Im very upset
Product: Debt collection

Ive been receiving calls for over 6 months about rent from 2 years ago that all of a sudden showed up not paid. I moved out of that complex and even returned the keys and got my original deposit back. If I didnt pay I wouldnt have received my deposit. Ive tried to email then bank statements but they never return my emails. They wan na call 100 times a day but when I have proof they go silent for a week or so then try again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Complaint Against Experian for Violation of FCRA Section 607 ( b ) Dear CFPB Team, I am writing to file a formal complaint against Experian for a violation of the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), which pertains to the requirement of reasonable procedures to assure maximum possible accuracy in credit reporting. 

On my Experian credit report dated XX/XX/year>, I noticed an entry under the Account Summary indicating that I have one account that has been reported as late. This information is false and misleading. To support my claim, I am attaching documentation of all my accounts listed on my report, which clearly shows that all my accounts are in good standing and that there are no late payments. 

I kindly request that the CFPB investigate this matter and compel Experian to correct this inaccurate information on my credit report. 

Thank you for your attention to this important issue. I look forward to your prompt response. 

Sincerely,
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX is an American debt buyer and debt collection company headquartered in XXXX XXXX, California, and has offices throughout the United States as well as in XXXX and XXXX XXXX. It is a wholly owned subsidiary of XXXX XXXX XXXX. This company claims that I have a debt that I owe to them. But I have never done business with this company. I have had the debt removed from my XXXX and XXXX credit reports. Im currently disputing this on that credit report as well. I was harassed by a barrage of phone calls threatening me and letters saying that I could face jail time if I didnt pay back the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since Equifax is unable to help me remove this, CFPB please delete the accounts XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX ( reported duplicate on my credit report )
Product: Student loan

To whom this may concern : Im writing to you because I noticed that my most recent credit report contains incorrect information with Nelnet where you have clearly violated the law and have put on all of my credit reports.That is completely closed I want it removed immediately it is effecting me from getting a mortgage for my family I want it off of my credit now please and thank you
Product: Mortgage

I told them I was experiencing a COVID 19 hardship and needed to use the CARES ACT Forbearance program. They gave me 3 months, then another 3 months, but I asked for 5 months to begin with!!! 

Now they send me a package indicating my request is incomplete!! I followed the rules under the cares act and they are not complying!!!! 

They are asking I send in all this other information that is not REQUIRED under the cares act!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to cancel this service multiple times over the last 2 years however when I last contacted them XX/XX/XXXX, they claim they are unable to find my account. This is not the first time I have tried and each time I become so mad and frustrated I give up. Experian has now sent me an email stating they will be increasing the monthly service for the membership I do not want and they seem to not be able to find when I try to call or email them. I have not logged into their site in over a year and can't reset the password when I have tried because " they can't find my account ''. I have no desire or value in this service and have not wanted it in some time. Their IVR in the phone system is a joke- no matter what prompt you push you CAN NOT connect to a live person. HORRIBLE HORRIBLE company.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 


XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Student loan

My lender is Nelnet for Federal student loans. I did not choose this company, rather it was assigned to me. I have applied recently for refinance with another company but was denied. I have good credit and have never missed a payment. Over the past year, I have had multiple cases where my payment amount due changes without any notifcation. This can include my payment due amount not matching my statements, not matching between emails and on site and increasing month to month when I am on a graduated repayment plan ( this is supposed to increase every 2 years -- not monthly ). In addition, when I have reached out for clarification or to question these changes and increases, the company is not helpful and does not explain the differences or the reasoning to me. I do n't feel like my money is safe with the company and I do n't feel comfortable with an ever changing payment amount. It is hard to budget and to feel confident that I can pay my monthly payments when I can never plan on what is due as the amount can change even as quickly as the day before it is due.
Product: Credit card or prepaid card

I work for XXXX XXXX and I opened a XXXX XXXX XXXX account on Wednesday XX/XX/XXXX in order to receive my XXXX XXXX earnings faster with their instant pay option. On Friday XX/XX/XXXX, 2 days after signing up I began getting notifications about unauthorized transactions that were being made from my account. I contacted customer support and informed them of the transactions. They suggested I lock my card on their app, however since I had not yet received my card in the mail or activated the card on their app, I had no option to lock the card. I was told that they would lock the account for me while they investigated. Somehow, someone who I believe is associated with their app/company, got into my account and changed my phone number in order to get a hold of my virtual card number. They added it to their XXXX XXXX, and used it to make XXXX large purchases. I do not have any XXXX  Devices and do not have an XXXX  XXXX  account, nor have I ever, I only use Android devices. Saturday morning XX/XX/XXXX I noticed that XXXX more unauthorized transactions had gone through and again I contacted customer support. They cancelled the virtual card, which they should have done when I called the night before, and issued a new card. However the new card number was somehow " accidentally '' sent to the same XXXX XXXX account that has been stealing from me by the XXXX XXXX support team, facilitating more theft from my account. I would like to point out the fact that their app says that XXXX XXXX transactions are not protected, which is convenient for them if they are using XXXX XXXX to steal from their customers. My account has gone from a balance of {$500.00} to negative - {$190.00}, around {$700.00} total fraudulently used. I have contacted support several, several times and spent hours on the phone with them to get no help at all. They refuse to let me close the account even though I have specifically asked for the account to be closed multiple times. They have refused to transfer my call, repeatedly hung up on me, ended support chats abruptly, and basically refused to provide any real help or stop the unauthorized transactions from continuing. The fact that they won't assist in closing the account or stop the unauthorized transactions, raises concern that they are the ones behind the scam. Also the fact no one else could have accessed my info other than an employee, and that they know to use XXXX XXXX to try to avoid company liability is a big indicator that it is an inside job. 

Transactions XX/XX/XXXX - XXXX XXXX - {$260.00} XX/XX/XXXX - XXXX - {$210.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX - {$8.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX - {$3.00} XX/XX/XXXX - XXXX - {$9.00} XX/XX/XXXX - XXXX - {$210.00} ( somehow charged twice ) Total of unauthorized charges {$710.00}
Product: Debt collection

I have contacted National Credit Systems Inc, on behalf of XXXX XXXX XXXX, last year I advised them there is a litigation opened to correct this matter, the Collector advised me there were investigating, and they will be contacting me, i have contacted the actual owner company for this apartments, and they stated they will be correcting this problem asap, that the last XXXX was fired cause she unethically has thread on me on ruining my credit. Due to a a personal matter, she was having an affair with my husband.Since then they change management company and my credit is ruined. please help.
Product: Money transfer, virtual currency, or money service

2 years ago money was sent to someone on Venmo that I did not approve. I reached out to Venmo and explained that I did not approve this transaction. The amount was for XXXX bucks or so. I cant remember now because my account was deleted. They said that I violated community standards and closed my account with no information as to how I did anything wrong. I really enjoyed using Venmo as its such an easy app to pay friends for small things. I would like an explanation as to why I am not allowed to use the app anymore and if there is anything that I can do to use it again.
Product: Student loan

I first began my loan with XXXX XXXX in XX/XX/XXXX ; after which XXXX XXXX transferred my loan to Navient. My original loan was for {$20000.00} and each invoice generated by Navient note " Consolidated '' loan but they do not indicate more information such as the type of consolidated loan. 

After trying to contact Navient this year ( XX/XX/XXXX ) to inquire about my participation in the Loan Forgiveness Program, Navient told me that I could not participate unless I would switch to another federal consolidated program at a higher interest rate and make another 120 payments. As a loan provider, Navient did not take any steps to notify me of the type of loan would not qualify for the Loan Forgiveness Program. Every single statement I have from Navient has not indicated more than my loan was consolidated. Navient had 10 years to notify its consumers but chose not to. My current balance is {$11000.00} however total amount to be repaid is also noted as {$12000.00}. 

In XX/XX/XXXX, I contacted the U.S. Senator 's office to create a complaint and they advised to contact the Department of Education. Dept of Ed evaluated my complaint and then notified me to contact CFPB as a case had been opened against Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Account name : XXXX XXXX XXXX I am writing to formally dispute the late payment ( s ) reported on my credit report for my account XXXX. According to my records, the following late payment ( s ) were reported for the months of XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request that you provide verification of these late payments, including any documentation that proves I was late during these months. If you are unable to provide this evidence, I ask that you either update the late payment status or remove the account from my credit report entirely. Please respond to this request within XXXX XXXXays, as I am committed to ensuring the accuracy of my credit report. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On multiple occasions, I have asked for the credit bureaus to stop violating my rights and privacy. I have not received an acceptable resolution with either attempt. Instead, the credit bureaus are not ignoring my legal rights. Because of their decision to ignore my rights, I am mentally, and physically " SUFFERING ''. I have gone into a deep XXXX, gone into escalated levels of anxiety, developed elevations in my XXXX XXXX, and gone into severe distress and embarassment due to the stress that this is causing me. 

Nearly every single day of my life, I am being harassed by phone, texts, direct mail, social media direct messages, an by collection agencies sending individuals to my home and/or work with the attempt to serve me with lawsuit paperwork. Going through this has caused my life to be a very painful, and sad life to live. This violation of my rights has to STOP! It is affecting my quality of life and is making me mentally and physically sick. I beg of you, PLEASE respect my rights based upon the Fair Credit Reporting Act. 

The credit bureaus are reporting the companies listed in this complaint without my written permission, without my written consent, and without my written instructions. I have not at any time provided the credit bureaus or the companies listed in this complaint with my written permission, written consent or written instructions to report these items on my credit report. They are breaking the laws set in place by the Fair Credit Reporting Act. 

They have broken the following Fair Credit Reporting Act laws : 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 Their violations have caused me to be denied credit, denied the right to purchase a home, declined the right to lease an apartment, denied business loans, denied employment, and denied insurance. Their violations have also caused me distress and embarrassment. These violations must end now. 

I would like all negative information reported by or from each of the following companies permanently deleted from my credit reports immediately : 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