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

On XX/XX/2022, I hired a moving company via XXXX, aka XXXX, to move my household goods, into a storage unit. Because i had utilized the service numerous times before, I was under the impression that, as before, i had to give the moving company the payment code after my time was up and submit a complaint AFTERwards as, previously, the money was not released to the moving company until i gave a review. The moving company i hired did not complete the job, so i contacted XXXX and informed them of the situation. When i talked to their customer support, it was then i found out that I was not to give them the payment code if i was not satisfied ( this was not listed anywhere in the contract nor the website ). I was advised by customer support to file a complaint with my bank to get my money back. I file a complaint with my bank for services not rendered against the moving company, on the advice of XXXX XXXX. After months of waiitng, the bank reversed the charges on my account, resulting in my account being negative {$400.00}. Capital One then charged off the account and placed my name into a banking " credit repor '' resulting in my inability to open an account anywhere else. 

Capital One used a 3rd party to deny my request to recoup my funds- they never took into account a copy of the text message exchange between myself and the actual merchant, the moving company, in which he admitted he did not do the job. Capital One took the word of XXXX, who was the middle man and took the payment. After numerous request to get a copy of what they used to deny my claim, all XXXX submitted was a one word statement from the moving company where they asked him if he completed the job, to which his reply was " yes ''. 

Capital One asked me to submit my request to investigate this card fraud 4 times ... and denied it all 4 times. Only once did they send me a request for information- and that was when i ASKED them why they never asked me for proof. Only once did they send me a copy of their investigation. And that was when i kept telling them that ive asked for this information, repeatedly. To date, i have only received a copy of the results of their investigation ONCE, despite their having supposedly investigated this 4 times.
Product: Student loan

My mom took out private student loans from Sallie Mae in XXXX  when I was going to college. 9 years after graduating I am still stuck with their predatory loans and struggle with the high monthly payments. I have 6 loans, each with a 10 % or higher interest rate, and the company, now Navient, does not allow you to consolidate. After almost a decade making payments on this account I still feel no further to having them down. 
Navient is in the middle of a settlement right now for private and federal studen loan borrowers, but I do not qualify because I wasn't deliquent for more than 7 months. I often worked three jobs and sometimes still needed my parents to help, and sometimes I missed payments, but never for 7 months consecutively. That unfortunately disqualifies me from the settlement. 
However, I am asking that I either get help consolidating these 6 loans into one more managable loan that goes to the principal balance, or that I have some of them forgiven. 

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

I am writing to formally dispute the debt collection account associated with my name, currently held by XXXX XXXX this letter serves as my request for validation of the debt, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S. Code 1692g.

Under the FDCPA, I am entitled to receive validation of the debt, including but not limited to the following : 1. Full details regarding the original signed contract related to the alleged debt.

2. Proof of the debt 's existence and validity. 
XXXX. Evidence that XXXX XXXX is legally authorized to collect this debt. 

Additionally, I am contesting the accuracy of the information furnished to consumer reporting agencies by XXXX XXXX, as mandated by FCRA 15 U.S.C. 1681s- 2 ( A ) ( 1 ). This section prohibits the furnishing of inaccurate information to consumer reporting agencies. I assert that the information provided by XXXX  XXXX regarding my alleged debt is inaccurate and requires immediate correction. 

Furthermore, I must bring to your attention the violations of consumer privacy rights as outlined in 15 U.S.C. 1681 Section 602 A. This section grants consumers the fundamental right to privacy and mandates the safeguarding of personal information from unauthorized disclosure or misuse. XXXX XXXX failed to uphold these obligations by disclosing sensitive personal information without proper notice or consent. 

Moreover, under 15 U.S. SECTION 6802, XXXX XXXX is obligated to provide consumers with prior notice before disclosing nonpublic personal information to nonaffiliated third parties. The failure to provide such notice, as well as the absence of an opt-out mechanism, constitutes a violation of my privacy rights and statutory provisions. 

In light of these violations, I am entitled to seek civil liability under 15 U.S. Code 1681n for willful noncompliance. This provision imposes penalties on entities that knowingly and willfully fail to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and other relevant statutes. 
Therefore, I demand that XXXX XXXXXXXX promptly : Provide validation of the debt as requested under the FDCPA. 
Correct and update any inaccurate information furnished to consumer reporting agencies. 
Cease all further collection activities until the requested validation is provided and any inaccuracies are rectified. 

Failure to comply with these demands within the timeframe mandated by law will result in further legal action, including but not limited to filing a complaint with the appropriate regulatory authorities and pursuing civil remedies available under the FCRA. 

Please respond to this dispute in writing within 5 days of receiving this letter. All communication regarding this matter should be directed to the address provided above. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding the inaccurate reporting of the account XXXX XXXXXXXX on my credit report. Despite providing clear evidence in my previous correspondence, you failed to correct the reporting errors and instead responded with generic information. This account is being reported incorrectly, showing a credit limit and past due balance on a charged-off account, which is inaccurate as charged-off accounts are closed. These errors are harming my credit and preventing me from securing credit opportunities. I am requesting that this account be deleted from all credit reports immediately. If this issue is not resolved, I am prepared to escalate the matter by filing complaints with the XXXX XXXX XXXX, the Attorney Generals office, and the Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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

I have pulled my report and I seen several accounts that are not mine, I received a copy of my credit report and am disputing some items that need to be corrected. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be corrected are indicated below : Item # XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Reason for Correction : I was going over my credit report because I have moved back to XXXX and I just found out that someone has been using my identity. I have never done business with these companies. I was pulling my credit to look into buying a home and I seen addresses that are not mine. I am not sure if the person is using my information is still using it. This is the first time I have been aware of the whole situation. 
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. In the interim, these items should be noted on my credit record as in dispute. I am also requesting the names, addresses and telephone numbers of individuals you contacted so that I may follow up. 

If it is determined through your investigation that the disputed items are inaccurate, please correct my file and send me notification that the information has been updated or deleted. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of? 612 [ 15 USC? 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at address noted below. 

Thank you.
Product: Checking or savings account

I opene d a BMO Harris Money Market accou nt on  XXXX   XXXX ,  XXXX . I was to receive a bonus of {$200.00} for keeping {$10000.00} in the account for 90 days. This bonus was to be paid within 120 days of account opening. I met the bonus requirements. As of today,  XXXX   XXXX ,  XXXX  I have not received the bonus. The bonus was to be paid by  XXXX   XXXX ,  XXXX . I contacted the company via secure message on their website on  XXXX   XXXX ,  XXXX , inquiring about when I will receive my bonus. This was their response : " Please know that the marketing team reviews accounts after they have been open for 120 days. If you have fulfilled the new account bonus requirements, they will typically deposit the new account bonus withi n ten busine ss days. Due to the high demand for the new account bonus, the marketing team has been running  two to three weeks behind  schedule. If you can provide us with the new account bonus code utilized when you opened your account, we will be glad to escalate your account to the marketing team for review. I hope that this information is helpful and do apologize for any confusion or inconvenience. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I want Experian to correctly report my credit information and stop trying to twist my arm into buying into their app services by reporting problems that dont exist and failing to update my XXXX XXXX, XXXX, and Experian reporting, and reporting illegitimate fico scoring that doesnt apply to my current credit status.
Product: Student loan

I refinanced both student loans in XXXX and have made auto payments since XXXX. I have attempted to understand how at 8 % APR, Navient is applying monthly payments. I have paid for 10 years.
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Loan Information : Loan XXXX XX/XX/XXXX Amount XXXX APR 8 % XXXX XXXX  Loan XXXXXX/XX/XXXX Amount XXXX ARP 8 % XXXX XXXX Balance as of XX/XX/XXXX ( only account balanced received from Navient ) {$6600.00}.
I can not log into their portal and they have not sent me loan balance documents since XXXX. My monthly payment is XXXX, paid on the XXXX  of each month, via auto pay.
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Loan documents show finance charges for this loan @ 8 % APR will cost me {$9300.00}.
Total payments on a loan of {$12000.00} will be {$22000.00}.
Product: Debt collection

XX/XX/XXXX, a property in XXXX, XXXX was purchased using my credentials. When I learned of this, I immediately discovered all pertinent information about and had a police report taken in my township of XXXX XXXX, XXXX. Local police forwarded the matter to the FBI in XXXX and then they forwarded that to the White Collar Division of the FBI in XXXX. Many debts appeared from this fraudulent address of XXXX XXXX XXXX, XXXX, XXXX and all other matters were discharged ( I even sued a bank and credit reporting agency successfully since XXXX bank sold mortgage to a XXXX bank after I disputed the transaction ). Also, other debts using a false XXXX State Driver 's license were also undertaken, but all were successfully mitigated. Now, I 'm still getting harassed every few years over a XXXX XXXX for the same address. Dynamic Recovery Solutions calls me continually on my work cell phone ( a State of XXXX owned phone number for the record ) and my home phone number. I sent them a cease and desist letter on XX/XX/XXXX which USPS says was delivered to them on XX/XX/XXXX. I have received 2 calls since that time. Make them stop or I will sue. Since this debt is obviously over 10 years old, they have to stop also. I sent them in a letter to " XXXX '' my name and the phrase " Identity Theft '' to see that this was well published in many newspapers ( I even made the front page of XXXX XXXX ). I was also interview by XXXX XXXX and my situation was seen on XXXX nationally.
Product: Checking or savings account

My 2024 monthly account summaries were recently mailed to me because Marcus by Goldman Sachs alleged that XXXX had been blocking Goldman Sachs e-mail summaries meant for me and other customers. There has been no resolution to this problem so I could not receive monthly statements via e-mail. 
XXXX supervisors denied it was blocking any e-mails sent by Marcus By Goldman but has not verified in writing that e-mail blocking was actually happening. 
A XXXX CD that matured on XX/XX/year>, was unknown to me since no e-mail reminder was sent to me. I did not receive a phone call, text or letter warning me that my CD of over of a XXXX  XXXX dollars was maturing. 
It was then rolled over after the XXXX grace period to a two-year CD without my permission. I only discovered the rollover had occurred when I called Goldman Sachs. That CD shifted to a XXXX  % interest rate when a XXXX CD was available a XXXX  %. The dated paper summary mailed to me prevented me from making a timely rollover prior to the maturing date. 
Trying to be reasonable, I asked supervisors to allow me to move the CD from the XXXX rollover to a one-year CD aXXXX XXXX % interest. One manager named XXXX told me she would waive the penalty after I explained that it wasn't my fault that e-mails that were being blocked by XXXX 
After waiting for confirmation of that waiver, supervisors informed me today, XX/XX/year> via phone that the withdrawal penalty would be enforced if I rolled over the CD to a new Marcus By Goldman Sachs CD to the higher interest rate. 
This lack of professional communication has resulted in my losing interest income for the next XXXX years.
Product: Credit reporting, credit repair services, or other personal consumer reports

HIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! THIS ACCOUNT IS NOT MINE! 
THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND THEY HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency.

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

A DELETION OF THIS FROM MY ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. I need this Account removed to be eligible to buy a house have a heart and remove it please.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , inc ) due to inadequate customer service as well as unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically CASH APP failed to take timely and effective measures to prevent fraud on there platform, leaving my account vulnerable and UNPROTECTED. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience as well as financial loss, and I seek appreciate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX, XXXX Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX/XXXX  Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to remove a closed account from my credit report. Account was opened XXXX. 
The company reporting is Account Resolution Corporation. The original owner was XXXX XXXX XXXX. The amount is for {$130.00}. 
Have tried disputing this thru XXXX XXXX 5 times, but they keep stating this is a open account.
Product: Vehicle loan or lease

Loan with Toyota Financial Services. Sold the car & paid off the loan. Even after loan paid off, Toyota Financial Services drafted the monthly installment payment out of my bank account. Website showed that call center is open after XXXX XXXX. " local time. '' I called in at XXXX EST this morning and got an automated message that the call center is " closed '' but that it's open at XXXX " local time. '' Obviously this is false. I need Toyota Financial Services to refund the monthly installment payment since the loan is paid off. Also, they should update their website and automated voice system to reflect the times that the call center is actually open.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the year XXXX, I was in school working on my degree still and for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, Fedloan reported I had late payments on these particular months when I was set for an in-school deferment status as I have always done so since XXXX. They updated it to current in XX/XX/XXXX but failed to update the months in question that I am filing a complaint for. I have tried countless times to get this resolved and due to COVID-19, it has become even harder to reach a customer service representative to ensure this gets solved. I am still in school and I have a family to support now, I am filing a complaint due to it has been over 2 years now that I have tried to clear this up and provided numerous documentation to the lender. They have advised several times they would fix it however, now it is affecting my lending needs to I can buy a home for my growing family. I have paid close to {$1000.00} alone in credit monitoring with all credit bureaus and exerted an extreme amount of energy which is not good for me at this time.
Product: Credit reporting or other personal consumer reports

I am filing a follow-up complaint regarding Equifax Information Services LLC 's unauthorized and deceptive practices in handling my request to remove information from my Equifax credit XXXX related to human trafficking. Despite submitting valid documentation in accordance with federal law, including a Victims Determination Letter from a recognized XXXX, Equifax has declined my request and misrepresented their attempts to resolve the matter. Equifax 's actions violate 12 CFR 1022.142 ( e ) ( 4 ) of the Fair Credit Reporting Act, which prohibits them from refusing to block adverse information based on the validity of submitted documentation. I request an investigation into Equifax 's non-compliance with federal regulations and appropriate action to address their misconduct.
Product: Checking or savings account

Capital one closed my bank account out of nowhere back in XXXX of XXXX its been almost 4 months and I still havent received my money.
Product: Debt collection

Back aroundXX/XX/XXXXof XX/XX/2019I had XXXX, no insurance at the time. About a year ago that debt was sold to a different company and they started saying that they were sueing me. No warning They didnt hand me papers but they handed to one of my roommates I then tried to work with them and they continued to add fees we settled with my first payment and they told me they wouldnt add any interest or fees and I continued to make payments I think I may have missed a month or two of no payments and I believe they just added more fees and interest they are being really aggressive and they are trying every way possible to get more money out of me. Its not fair I have a lot going on Im not rich Im poor I have a low income job with a lot of bills