23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CREDIT COLLECTION SERVICE ( XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company in question is Checkr background. The company has cleared me twice, once in XXXX of 2022 and again on XX/XX/2022. Applied for a different driving company on XX/XX/XXXX, and Checkr still has not completed the screening and has provided the same boilerplate response several times that no two reports are the same. This intentional delay has impacted me financially. After looking at XXXX  this seems to be a common practice of this company. On a side note, I had a federal background done for my XXXX  and passed as well. Also include per FCRA how they obtain/verify any information included, and verify if they have 3rd party permission to access Arizona 's DPS repository for criminal records.
Product: Debt collection

I couldn't afford my payment so I tried to refinance but they wouldn't allow it so I had to make payments as I could afford. They called me nonstop, using aggressive tactics, they've called me, my parents, my husband, my in-laws, my work. They leave a voicemail at my work every single day. I sent a cease and desist letter 9 days ago and they received it 3 days ago but have continued to call me every single day.
Product: Credit card

Offer Bonus trap. Unfair Membership Reward Points deduction from American Express Company!!! 
It used to be a good company for American Express but not anymore. Here is the story. I have XXXX American Express XXXX XXXX XXXX Card which was applied on XXXX/XXXX/2016 due to a promotion offer to get XXXX Membership Reward points after spending {$3000.00} within 3 months. I quickly fulfilled the spending requirement by using the card a lot ( spent about $ XXXX in purchasing items within the promotion period ). So obviously I hit the line quickly and gained the bonus. However on XXXX/XXXX/2016 ( after 3 months ) I noticed that there was a deduction activity happened on my Reward Account that removed XXXX points silently without my attention. I was very confused where this activity came from and thought it was a fraud. So I quickly called the Amex customer service and tried to find out what happened. Surprisingly I was told that it was a decision from Amex after an internal review which I was n't aware of. I asked the reason why there was a review and the customer service explained that there was XXXX transaction on my account that was not qualified to get the bonus points and after the recalculation they decided to remove XXXX bonus points ( it is supposed to be XXXX points, please do a careful review also!! ) since I did n't hit the {$3000.00} threshold from their calculation. I explained it is supposed to be a mistake ( A big mistake )!!! I spent $ XXXX by using the card. The ineligible transaction was only about {$2500.00}. Even excluding that transaction I still should meet the spending requirement. So I further requested the customer service to review my account again since there is a question on the review. However I was told that they could n't help. The review is not allowed to be reopened since it has been done already even there is a mistake on it!!! What a stupid excuse it is!!! I just lost XXXX points because of a careless review which is unable to be fixed? That sounds NOT right to a premium customer and it is not a good service that a financial company is supposed to be having. I am paying {$470.00} premium a year for the product but could n't get any good quality services?? What a joke! The experience I had is totally a market phishing. I am feeling I am cheated and once you cheated your customer and do n't expect the trust anymore from them. I will quit and please do the right things at least and give my points back!!
Product: Debt collection

I was disputing this information on my credit report demanding these items be removed from my credit report.as I have done my research on the laws I feel these companies have violated my rights as consumer. And have not provided and proven information that the alleged debt is mine. Ive never done business with these companies or have I agreed to pay them anything Ive never done business with them. I want to state a few of the violationsu that have been committed by these companies XXXX. Harassment or abuse XXXX. False or misleading representations XXXX. Unfair practices XXXX. Validation of debts
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a home loan with XXXX XXXX  XXXX back in XXXX, my loan was transferred to XXXX in XXXX of XXXX. XXXX XXXX XXXX shows closed on XX/XX/XXXX. But over 7 years has pass, and they will not remove from my credit reports. The loan, never was late, I did the make a home affordable plan 2 times. And was approved both times, but I did continue to make my payments. I JUST WANT XXXX XXXXXXXX XXXX OFF MY REPORTS, I HATE THAT BANK.
Product: Student loan

I believe Mohela has mishandled my student loans and my eligibility for the Public Service Loan Forgiveness Program. They have erroneously denied and/or processed my PSLF application incorrectly. 
Mohela did not process my PSLF application for my current employer. They are closing it as a duplicate or canceling it. There isnt a duplicate or at least an approved XXXX so this pushes the processing time even further due to their mistake. I have attached a copy of my application below. The identifying information has been redacted for my security but was present when faxed to Mohela.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report due to me getting notices that my social security and some of my accounts had been attached to a data breach. I notices some accounts that I was not aware of and unusually increase and charges on other accounts on my report. Disputing thru the credit bureau and company regarding inaccurate accounts and requested validation and verification of debts. Credit bureaus never provided, I requested accounts to be REMOVE AND DELETE from my reports but the account is still reporting and investigation was not done.
Product: Credit card or prepaid card

They sent mail to my house asking for money for unidentified information as a result of identity theft not related to any transaction completed by me. 

Medical revenue Service account XXXX and account XXXX and account XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, Equifax announced a data breach that exposed the personal data of hundreds of millions of people. The company agreed to a settlement to help those affected by the data breach. I filed a claim with Equifax on XX/XX/XXXX. I have proven I am a victim yet it has been 6 months and they still have no t compensated me. I have sent them multiple communications asking them what I can do to expedite the process and they provided no legitimate answer. I asked them why it has been taking so long, and they have provided no legitimate answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of Equifax recent investigation conformation # XXXX of this account # XXXX with XXXX that is reporting on my credit report. In XX/XX/2018 I requested an investigation because I felt the item was not being reported legally. XX/XX/2018 I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation!? SECTION 611 AND 609 BUREAU DISPUTE VIOLATIONS, DELETIONS TO CREDIT REPORT. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable legal and lawful Proof ( an original Consumer Contract with my Signature on it with XXXX ) you have on file of the account # XXXX. 
Furthermore, XXXX account information was deleted from XXXX   because the fraudulent account could not be legally verify.
Product: Credit card or prepaid card

I own a Citibank issued Costco Visa card. On XX/XX/2021, my wife and I shopped for her outfits from XXXX. Being an international transaction, Citibank blocked the charge, deeming it to be fraudulent charge. 

After several futile attempts to re-charge it, we contacted the bank confirming our identity, authenticity, and legitimacy of the charge. We spoke to several representatives in their fraud department since about XXXX XXXX  CST to XXXX XXXX  CST. Each time they would put us on hold, verify the information and suggest us to try processing the charge with the assurance that they've removed the " block '' ; however, to no avail. 

One of the reps outright lied saying it is not " us '' it is XXXX company itself putting a hold on my account. The amount in question was little over a XXXX US dollars. 

In two or three instances, we were intentionally disconnected while being on extensive hold, and no one followed up, despite having our contact number available, and promising to call back. 

As recently as XX/XX/2021, similar incident happened, when the rep, who identified herself as XXXX, who could not resolve the same issue described above. When asked to speak to a supervisor, which she obliged with, however, the supervisor under the pretense of verifying the information, put me on hold for a few minutes and then disconnected the phone. Again, no follow up phone call, explanation of what transpired, or apology of any kind. 

And by the way, after the incidence of XX/XX/XXXX above, my credit card was frozen for even local charges until I called and spoke with a bank representative. 

Used XXXX  XXXX XXXX Visa card and after the fraud alert block was removed after confirming the authenticity of my charge, it was a breeze making the payment. And, oh yeah, the most important thing is, with 3 % international transaction fees, they were {$54.00} and {$32.00} cheaper for both my transactions than using Costcos Citibank issued card. So, buyer beware! I promise to NOT USE Costco 's Citibank card as a featured card that I used to trust so much. 

Anyway, I feel, Citibank has blatantly disrespected, mistreated, and I would go to an extent to say that they've grossly and intentionally discriminated against us. 

Thank you.
Product: Credit reporting or other personal consumer reports

They will not validate the debts! They will not provide me with the documentation! They just reporting inaccurate information. 
Section 809 [ 15 U.S.C. 1692g ] validation of debts ( 1 ) The amounts of debt ( 2 ) Name the creditor to whom the debt is owed ( 3 ) A statement that unless the consumer within thirty days after receipt of notice, disputes the validity of the debts or any portion thereof, the debts will be assumed to be valid by the debt collector ;
Product: Debt collection

I moved and transferred my XXXX account to my new address in XX/XX/2022. Since I moved from the XXXX XXXX to the west coast they had to transfer me internally from east accounts to west. They went ahead and cancelled my service internally so they could transfer account manager. Then they charged me a cancellation fee even though I never cancelled. I never received a notice until XX/XX/2022 when I received it from a collections agency AFNI. I spent XXXX hours on the phone with XXXX on XX/XX/2022 where they explained what happened and apologized and said the debt would be cancelled but it was out of their hands they claimed their emails warning me were stopped by their system as my account was never cancelled so I shouldnt receive this notice. I kept getting harassed by the XXXX company and finally ended up paying a debt I never owed. Even though I paid they still struck my credit report. XXXX has apologized but said they have no way to fix their error. Their error has wrecked my credit.
Product: Debt collection

I am writing to you with an escalating sense of urgency and anger regarding the fraudulent accounts that persist on my credit report. It is abundantly clear that despite my repeated disputes and tireless efforts to rectify this matter, these fraudulent accounts continue to wreak havoc on my financial standing. This blatant disregard for my rights as a consumer is utterly intolerable and demands immediate and decisive action on your part. XXXX XXXX, XXXX XXXX and XXXX XXXX
Product: Checking or savings account

{$2300.00} was stolen out of my Navy Federal Checking account and Navy Federal has done nothing but deny my claim twice and also " losing '' a claim I made in person about this issue. 

In XX/XX/year> I got married in XXXX and used my card to purchase the alcohol for the wedding. It was with XXXX transactions as shown in the attached photos at XXXX XXXX. 

All was well, I returned to my home in XXXX a couple weeks later after my honeymoon. 

Then on XX/XX/XXXX my card was used AGAIN for slightly different than the original amounts. 

My account only had {$500.00} in it at the time so I went XXXX and had to pay back the difference. 

So I submitted a fraud alert immediately, cancelled my card and then over the last XXXX months nothing has been done, my claim keeps getting denied and at the end of the day it is a very scary thought that your card can be used thousands of miles away and your supposedly " Trustworthy Credit Union '' doesn't care. 

So much for " Serving those who have served ''. My wife just gave birth and I am the only breadwinner in the house and {$2300.00} is a good chunk of change. 

I have contacted Navy federal for a XXXX XXXX claim and will keep doing so until this is resolved or I will no longer ever be banking at Navy Federal ever again.
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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

You show a bankruptcy on my credit report but XXXX has no record of a Bankruptcy on file. Please remove off my credit report
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that I have been a victim identity theft, and found numerous credit inquirires I have no knowledge of here are the inquirires that I have found, XXXX  XXXX XX/XX/year> Please remove these fraudulent inquirires from my credit report
Product: Credit reporting

i had my student loans dismissed because of my disablity they will not remove them off my report
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my AMEX - - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Vehicle loan or lease

This is the second complaint I've had to file because my intial one was closed. I experienced a temporary hardship that caused me to fall behind on my payments and have me with a past due balance of {$1400.00} and threats of repossession. I filed a complaint a few weeks back and was told that they couldn't help me because they thought I had an " ongoing '' hardship and an extension wouldn't solve the problem. My wife then called them and explained it was a temporary hardship and I am now able to make my monthly payments, I just need help with the past due. She was basically told that an extension still wouldn't be given. So why they made a point of differentiating between temporary and long term hardship in the last response is beyond me. My wife was advised to call this week and set up an arrangement to pay the entire past due. 

That is something we are unable to do! And now with work shutting down for weeks due to the coronavirus and facing a TEMPORARY loss of income again, I'm hoping CFPB can help me set something up with them. I can make my regular payments, even with the covid-19 shut down, I can make the regular payments, but I need help with this backlog. They are one of the only companies out there that I know of refusing to do anything amid this crisis. To be clear I can continue to make my regular monthly payments. I just need an extension for the past due. Will also be filing a complaint with XXXX.
Product: Student loan

I have to work XXXX hrs/week to afford my monthly bill of {$550.00}. PLEASE allow me to go on an income-based repayment plan. I can not afford this rate, and can not XXXX endure working XXXX hrs/week any longer. I am happy to pay for my education and the loans I took out, but with XXXX college degrees and working XXXX hrs/week with otherwise good credit, this is absurd. PLEASE help me. PLEASE lower my monthly payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX, NORDSTM/TD, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, NORDSTM/TD, and XXXXXXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Checking or savings account

Hi I fell on hard times recently and my checking account was overdrafted due to my bills being on autopay with my checking account. I've been working towards getting the money to fix it but I keep being charged more and more fees making it almost impossible to make my account positive again. I went to my local huntington bank and talked to them about my account and fixing it and tried to get fees taken off and to stop more fees from coming out. I figured they would help me out since I've never overdrafted before but they only refunded one fee out of 10+ fees. I opted out of their 24hr overdraft program to make sure anymore bills wouldn't try to charge my bank thus resulting in another fee but my gas bill just charged and now I received yet another fee. I canceled all my autopay bills as much as I could remember so it shouldn't happen again. Huntington was my first and only bank account since I was XXXX and I don't want to leave but this is just ridiculous 41 % of my total balance owed as of XX/XX/18 are fees! Nearly half. I know I screwed up to let this even happen but it seems like huntington is trying to make me fall down lower and lower to a point of no return and not help at all it really doesn't make sense to me. If this happened to most of the people I know they just wouldn't pay anything at all and forget about it. But I couldn't do that I just don't understand how they expect someone to pay them back when they keep charging more fees than a lot of ppl can make in a day.
Product: Credit reporting or other personal consumer reports

On XX/XX/, XXXX XXXX XXXX put my XXXX XXXX account into collections. They put it into collections because XXXX XXXX was in a company corporate name that wasn't personally guaranteed. This account never belonged on my credit in the first place. They took my consumer information and placed it on my credit report and that's not what should have happened. 

16 CFR 313.7 15 usc 6802 Per the FCRA as a federally protected consumer I am now opting out of any and all authorizations I the consumer may have given you written, unwritten, verbally and non verbally per 15 USC 6802 it is effective immediately and indefinitely. 

Since the debt is now with a third-party collection agency, it has already been charged off. As outlined in XXXX XXXX XXXX, this represents a certificate of indebtedness, which is categorized as income. It's important to note that income is not reportable on my credit report. 

" If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification. '' - XXXX XXXX XXXX
Product: Debt collection

Upon reviewing my latest credit report, I identified multiple unauthorized accounts that I did not open or approve.
Product: Credit reporting or other personal consumer reports

After investigation was completed by XXXX back on XX/XX/XXXX, the information that I was reporting Fraudulent on my credit report still has not been updated or removed despite the FTC Report and a Police Report. XXXX continues to report information that has not been verified by the creditor as 100 % accurate or remove this information that was opened fraudulently. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX I requested a description of the reinvestigation and they do not provide it to me which is a violation of 15 USC 1681i7.

They also violated 15 USC 1681i ( 5 ). 

Can you please look into this matter?