23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection was placed on my Transunion credit file on XX/XX/2019. Upon reviewing the item on my credit file, I immediately responded with a challenge letter, requesting any additional information on the account. After several letters, the account was deleted then reinserted about a month later without properly notifying me. Blatantly violating the Fair Credit Reporting Act which clearly states, the consumer reporting agency is to notify the consumer through a written letter within five business days after the determination is made. A violation which carries the fine of up to a thousand dollars. 
However during an investigation of my own, I was able to contact the alleged seller of this account. 
Along with this correspondence, I have attached an Email from a representative at the XXXX apartments in XXXX, Texas. XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX. Phone number ( XXXX ) XXXX. The gentleman was unable to verify any claims that I signed a lease agreement with the apartment complex in question. 
Furthermore, despite numerous requests, Transunion has failed to show any details of their so called reinvestigation, age of the source of this debt, details of any breakdowns regarding interests and fees. According to the FCRA, Transunion is in direct violation of my rights as a consumer. And I am exercising my rights by requesting legal action in order to immediately remove this item from my credit file. 
Lastly, I would like to take this opportunity to remind this consumer reporting agency that they are not above the law. And they are here to serve the people legally and honestly.
Product: Payday loan

I accepted a payday loan from Northcash without realizing the higher interest rate. I was loaned {$500.00} and was expected to pay back more than {$1000.00}. I made over {$600.00} worth of payments before I realized that their practice of requiring the use of automatic ACH transactions was illegal, that the interest rate was more than the allowed interest rate for Iowa payday loan laws and that they were not licensed in the state of Iowa. I have contacted my bank to stop the ACH transactions but Northcash is harassing me and calling all hours of the night and sending collection letters.
Product: Credit card or prepaid card

i filed for unemployment on XXXX and i never received a card or my unemployment benefits.
Product: Money transfer, virtual currency, or money service

Since XX/XX/2020 I Open my XXXX XXXX. With him i know more people or worker in XXXX XXXX : XXXX, XXXX, XXXX XXXX. I open my promotional activity, which i help the emergin XXXX XXXX to use better their money. I do the " XXXX XXXX '' in the XXXX XXXX, and i pay monthly XXXX XXXX. In the start we receive XXXX for month, but we can't pay all over Tax of Paypal and XXXX XXXX, or traplist team.. therefore we didn't obligated the artists to pay us for " XXXX XXXX XXXX '', we didn't knew was a law.. in XXXX and XXXX, i was coming to receive Donations by the Artists, they paid us to use better the money. But a big part of Money goes lost for " Buy '' the Services of XXXX XXXXXXXX XXXX, XXXX XXXX and inother we had to pay Tax, XXXX XXXX XXXX Team.. We don't obligated the " XXXX '' because the earnings were really few. Paypal, in XXXX XXXX permanent blocked my account Paypal with XXXX locked in Profile, and XXXX for monthly that i can't received because they use only paypal. I have now to Pay the Tax, because the money are fattured, but i'm young, i'm XXXX years old, and in XXXX i would start the university in XXXX ... if i don't use Paypal i lost my work, and i lost a year of Work and costumers ... I don't know if i can pay the University ... please help me, i promise that in future i will receive payments only in " XXXX XXXX XXXX  '', not " XXXX XXXX XXXXi '', also are Donations. I have a team of 10 people who believe in the project, i lose more.. I haven't do anything illegal ... In fact, i'm trying to do anything legally. Please help me.. my email of account is XXXX and my Name is XXXX XXXX
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 haveing 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 insufficent balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Recently I was in the market for buying a home and noticed a lot of errors on my credit report. I have been trying to get my debt validated from XXXX XXXX and XXXX XXXX for almost 2 years. XXXX XXXX is reporting a balance on a charged off account which is illegal and XXXX XXXX is reporting my account as open and with a balance although it was discharged in a bankruptcy in XXXX & they are actively trying to sue me I have disputed all this information with all the credit bureaus and no investigation has occurred or anything has been fixed. According to 15 USC 1681 Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. Experian, XXXX and XXXX are not doing their due diligence in finding inaccuracies in my credit report.
Product: Payday loan, title loan, or personal loan

Under Fair Credit Reporting Act 15 U.S.C 1681 this company which I applied for a loan did not furnish complete information ( reasons XXXX ) and instead stated the following " If you would like a statement of specific reasons why your application was denied, please contact our Customer Service Department ( shown below ) within 60 days of the date of this letter. " I believe under the FCRA a loan company has to furnish all the reasons the loan was denied and not just some and then force the consumer to request all the details.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Funding has reported payment of XXXX made on account which wasn't made. Asked for verification ... they cant lowering my credit score by 27 points. Midland Funding is reporting ( originally XXXX ) debt. Reported fraudulent payment of XXXX. Now reporting XXXX. Yet they state the debt is approx XXXX. The credit card company states approx.XXXX ( XXXX XXXX bank ) .Filed 4 disputes now through XXXX, XXXX and XXXX. Midland states account correct so agencies won't investigate and leaves FALSE info on my report. Midland has been asked for Legal verification, accounting records, License number ( Michigan Law ). Receipts, proof of ownership.NOTHING has been verified.
Product: Payday loan, title loan, or personal loan

I TOOK OUT MY LOAN ON XX/XX/2019. I HAVE SINCE FOUND OUT THAT THIS BUSINESS IS NOT LICENSED IN MY STATE. I HAVE REVOKED MY ACH AUTHORIZATION AND HAVE ASKED THEM NOT TO CONTACT ME ANY MORE BY PHONE, BUT THEY STILL TEXT ME.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.These account are inaccurate, false, and i require them to be remove within the next 5 business days. Transunion, XXXX, XXXX has not reciprocated any compassion with reporting this on my consumer account. NO COMPANY has received written consent from me to report this onto my consumer report now they reporting anything, even things that don't belong to me this is illegal. Not only is this identity theft that i have been working tirelessly to fix. This is identity theft. These are not my accounts. Please see my official filing with the governement for identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio recovery is misrepresenting itself as a factoring company on my credit reports which is a violation of the FCRA as they are actually debt collectors. The inaccurate reporting is for XXXX XXXX XXXX XXXX, account # XXXX. I have attached proof directly from my credit report which should without a shadow of a doubt verify the inaccuracy.
Product: Money transfer, virtual currency, or money service

I was using cash app as my banking for my job and I was transferring the money to another account then the day my pay check was sent to cash app, My cash app account was closed with over XXXX $ in it and I couldnt transfer the money nor could I log back into the account that I had I was permanently blocked and was unable to create another account
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a notice from my loan services stating that I had been entered into an in school l deferment program till year XXXX  in which Im currently not in school also with added interest which that mean the correct balance is not showing on credit report nor proper status of loan
Product: Checking or savings account

after opening my account i had made a XXXX check depoist on the XXXX XXXX XXXX, and it took ten days to clear, which is understandable. but the same day it became available XXXX. i started to pay my bills and the bank frozen my account with out even contacting me to see if i was even making the transactions. so i called them the same morning and tryed to tell them, but they said they would have to send a letterXXXX XXXX (. So i had lost my phone about three days before the check had cleared, so i was waiting to buy a new phone, but the bank froze my account before i could go get one ). and since this has happen i have had no access to my account. They said they were sending me a letter that would be here in about 7 to 10 bussniess days, which would have been last Thursday XX/XX/XXXX, but no letter showed up, so i called back to tell them and after a very frustrating callthey said theere was nothing they could do but sent out another letter, so here it is the XXXX and still no letter., i cant pay my bills, i haveent had a phone in two weeks because of this iv got bills in late payment, its going to show on my cridit report. they will not help me no matter how many questios i answer to verify myself., so i called again today XX/XX/XXXX, just to be hung up on very rudley., iv been dealing with this for almost a full 30 days., they let me make depoists, this has stopped me from getting a new phone which is how i run my bussniess, so it has cost me no telling how many costumers, XXXX of dollars has been lost over this freezing my account for no reason. i guess im going to get a lawyer This is CITIBANK, THEy ARE TERRIABLE. froze my account for no reason at all, didnt even check to see if it was me, and then keep me from my money for XXXX weeks now.,.,
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a complaint against XXXX for misreporting an installment loan as revolving credit on my credit reports with XXXX, XXXX, and TransUnion. The account in question is for a water system and functions as an installment loan, not a credit card. 

Despite contacting the creditor, they have refused to correct the classification of this loan and continue to insist it should be reported as revolving credit. This misreporting is artificially inflating my credit utilization ratio and negatively affecting my credit score.

I believe this misclassification violates the Fair Credit Reporting Act ( FCRA ) in the following ways : FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : The credit bureaus are not ensuring maximum accuracy by reporting an installment loan as a credit card. FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : The creditor has not fulfilled their
obligation to provide accurate information to the credit bureaus.

In accordance with FCRA Section 611 ( 15 U.S.C. 1681i ), I am requesting that the credit reporting agencies correct this information within 30 days as required by law. If this account is not corrected within this timeframe, I request that it be permanently removed from my credit report as it is currently inaccurate and harmful to my credit standing. 

I kindly request that the CFPB investigate this matter and require the creditor to correct the account classification or remove the account entirely from my credit report if the correction is not made within the legal timeframe. 

Thank you for your assistance.
Product: Bank account or service

I called PNC bank and told them I was returning an item that was not as advertised but the company refuses to pay for return shipping. PNC Rep told me to return the item, when its posted to the credit card, call back and we can dispute it. I paid to ship the items back and called PNC Bank to dispute the shipping charges and was told that it can not be done. I then was transferred to a supervisor and was told the same thing. Now im out {$35.00} because of false information. I would of kept the item and tried to sell it on my own. I asked the supervisor if there 's anything he could do since Ive been a customer for over XXXX years and was told " no ''. This is very upsetting since I dont have money to spare.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, this incorrect address remain listed : This address do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, IL, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX XXXX XXXX XXXX {$530.00}
Product: Credit card or prepaid card

XX/XX/XXXX, XXXX contacted Superfleet /Fleetcor/Comdata about not receiving an invoice Was told by representative there was a " GLITCH in our system '' Showed XXXX balance but paid {$750.00} anyway first week of XXXX. 
Paid monthly payment due until XXXX showed extreme Amounts due XXXX XXXX Contacted Company to request credit back for " high risk '' fees Each time I get a voice-mail. Nothings getting done. Finally emails were returned and someone tried to help but still not getting anywhere. Have all emails. 
Still made monthly payments minus these excessive fees ranging XXXXXXXX XXXX Over what we are use to paying for fuel costs. Was told XX/XX/2023 we would receive credits for over XXXXXXXX XXXX  Never received credits. Now XXXX is sending our account to XXXXXXXX XXXX to collect. We have XXXX credit. Never late on anything but when this company asked me to pay the balance of XXXX and then they would credit the fees after full payment is made, it made us very weery of who they are. We have heard about this happening to fellow businesses we know but never to us. We are at risk of our credit being varnished. And that is all we have as a small business. We have tried several times to resolve and nobody ever returns calls. We have made all attempts to fix this. Was on the phone all day with them being told different things by different reps. 
Please note, we have paid all monthly invoices on time each month minus the excessive fees they were charging.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, Prosper submitted erroneous information to XXXX, which caused my credit score to decrease and jeopardized a real estate home transaction. I haven't used the card in question, and Prosper submitted incorrect data with a 93 % utilization. Prosper acknowledges that my information is listed correctly in their systems but refuses to correct it with the credit agency promptly.
Product: Student loan

XX/XX/XXXX : I emailed customer service asking if there was an upload function for submitting IBR documents, which were due by XX/XX/XXXX. 

XX/XX/XXXX : Customer service representative XXXX replied, instructing me to reply to the email with attached documents. 

XX/XX/XXXX : I did as I was instructed in order to have my documents submitted and processed well before the deadline. 

XX/XX/XXXX : I was charged standard repayment amount, which was autodrafted. 
Interest was also recapitalized, adding {$13000.00} to my total. 

XX/XX/XXXX : Called customer service and spoke with XXXX. I explained that documents had been sent in XXXX as instructed by a representative of AES. XXXX instructed me to re-send the documents to XXXX as before. 

XX/XX/XXXX : Sent all necessary documents again to the email address given. 

XX/XX/XXXX : Called customer service to confirm receipt of email, spoke with representative XXXX. I was told email attachments were unsuitable and that I should mail everything in. Representative apologized for the misinformation I was given on multiple occasions and suggested that I request in writing expedited processing and a correction of the payments and recapitalization. 

XX/XX/XXXX : I mailed hard copies of all necessary paperwork to the address provided, along with a hand written copy of this timeline, copies also attached. Requested expedited processing of paperwork, as well as correction of my XX/XX/XXXX and subsequent payment and a reversal of capitalized interest. Never received any acknowledgment of request. 

XX/XX/XXXX : Called customer service again and asked for escalation. Spoke with XXXX, who expressed his confidence that the capitalization would be reversed. He asked for 4 weeks to investigate and find a solution. 

XX/XX/XXXX : After leaving a couple follow-up voicemails, XXXX called and informed me that my case had been rejected. He kindly commiserated with me, but told me the only thing left to do was write an appeal.
Product: Credit reporting or other personal consumer reports

am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate.

Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX XXXX Account Number:XXXX Amount : {$0.00} DateXXXX
Product: Credit card

On XX/XX/year> I received a number of flight confirmation emails from JetBlue about flights originating in XXXX XXXX to various places on the east coast. The flights were in my name, confirmations sent to my email address, using the information I had saved on JetBlues website. I did not book these flights. 
I IMMEDIATELY canceled all of the flights and changed my JetBlue password. I also placed a credit freeze on XXXX, XXXX, and XXXX. 
I found that the flights werent even booked on my credit card and after some digging saw that it was a Barclays Bank Delaware card that was opened in my name. ( I received an email that I had opened an account with them XXXX hours after I had already reported it to them and closed the account. ) I immediately called Barclays, relayed that it was fraud and they closed the account and opened an investigation. At that time they had told me there were no charges yet on the card. 
I reported the identity theft with the Federal Trade Commission. 
This credit card is not even listed on any of my credit reports. All three reporting agencies believe this is because of the speed with which I caught the fraud and canceled the account. The only mention of it is a regular inquiry through XXXX from Barclays on XX/XX/XXXX, when the fraudulent account was opened. 
Barclays Bank Delaware has denied that it is fraud on the basis of the flights being booked in my name. I appealed with a letter and a copy of my FTC report. 
To be clear, there is no phone number nor email to speak with anyone in the fraud investigations at Barclays. There is only a fax number and po box . 
I now have to pay the card balance totaling {$2000.00}, which I did not spend or my XXXXredit score will fall. 
This was fraud and identity theft. My California DMV account was also hacked. 
I am reporting Barclays Bank Delaware for XXXX ) terrible consumer services, XXXX ) allowing someone else to open a credit card in my name, XXXX ) not notifying me of the opening of the credit card for many hours, XXXX ) ignoring the fact that I took every correct action immediately and are still requiring me to pay them, and XXXX ) not making any conversation over the phone or email available. This all should be illegal of Barclays Bank Delaware.
Product: Student loan

I graduated in XXXX. 
In XX/XX/XXXX, I applied for Public Service Loan Forgiveness ( PSLF ) with XXXX XXXX because I have made on time, qualified payments for at least 9 years, and I have been working for qualifying employer. 
I received a letter from XXXX XXXX indicating they received my application and supporting documents. The letter also states that XXXX will contact XXXX, the prior servicer about my student loans, and my loan will transfer to XXXX servicing for evaluation, my automatic payment amount and the due date will not change. 
In XX/XX/XXXX, I received a letter from XXXX stating that my loan transferred and it included the total amount of loans and my monthly payment. I noticed my payment is increased and no mention of the status of PSLF. 
I contacted XXXX multiple times via email inquiring if I am qualified for PSLF or not, and the reason why my monthly payment was increased. XXXX never responded or explained the status my eligibility for the program. 
In XX/XX/XXXX, I contacted my general attorney to investigate and help me receive a response. 
In XX/XX/XXXX, I received a vague and misleading response from Fedloan  servicing stating that " you made XXXX qualifying payments '' because my qualifying payments were disqualified in XX/XX/XXXX and the increased monthly payment is to help me pay off my student loans in time. 
I again requested additional information of the reason why my qualified loans were disqualified in XX/XX/XXXX ( When I consolidated my loans ). XXXX responded that it was disqualified because I took a type of loan called " Parents Loans ''. However, all my loans were Sub and Unsub Direct Stafford loans. 
I then requested more information about the reason why it was concluded I made XXXX qualifying payments after I made qualified payments for at least 8 years or more. 
I also requested if I am indeed not qualified for PSLF, I have no reason to keep my loans with XXXX  XXXX. Therefore, I would like a refund of the extra monthly payments and transfer my loans back to XXXX or other servicer. No response received. 
In XX/XX/XXXX, I requested my general attorney to file a lawsuit against XXXX  XXXX for increasing my monthly payment without my authorization and for failing to transfer my loan back to XXXX after multiple attempts. 
I am waiting to hear a response from my attorney general or XXXX  XXXX.