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

On XX/XX/XXXX XXXX XXXX Clerk Of the Superior Court By : XXXX XXXX Endorsed Filed. However ; Superior Court of California County of XXXX XXXX XXXX of Justice Case No. : XXXX Stipulation For Judgement. The parties stipulate that judgement will be entered in favor of Plaintiff, GCFS , Inc. a California corporation, and against Defendant myself, in the sum of {$6000.00} principal, {$3100.00} interest, {$1400.00} attorney fees and {$480.00} costs of suit, for a total of {$11000.00}. Dated : XX/XX/XXXX sign off by XXXX XXXX, XXXX, GCFS, Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX..Dated XX/XX/XXXX I signed off and Dated : XX/XX/XXXX XXXX XXXX XXXX , Attorney for Plaintiff XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX signed off. A lean was placed on my property for the same amount of {$11000.00}. My agreement was to pay {$120.00} per month to GCFS until paid in full. 

When the case was settled I received a telephone call from XXXX XXXX Account Representative who told me that I must pay immediately {$1400.00}. I gave Mr. XXXX my debit card and funds were collected. However ; now I am told this funds can not be located, nor seem to be recorded. 

Now here it is XX/XX/XXXX I am still paying on this judgement? I have called and requested why am I still paying on this judgement of {$11000.00}? I was then sent a letter dated XXXXXX/XX/XXXX with Case No : XXXX showing I have paid a total of {$13000.00}. However : GCFS has added a accrued Post judgement amount of {$3400.00} plus another accrued post judgement cost of {$50.00}. 

I am so confused, first I need to no what happen to my first immediate payment of {$1400.00} that I made to Mr. XXXX. Then I need to no, why are the accrued Post judgement fees attached that were never signed off by XXXX XXXX Courts nor myself attached to this judgement? Plus this judgement term has also been officially met by XXXX XXXX Courts. Something is very wrong here? My account has missing payments, and missing immediate funds payment. We are asking for your help! This account should already be closed, plus lean removed from my property. Also, a refund for over payment on my part. Please assist, as you can see we need help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I seen some errors reporting on my credit report and filed a compliant.
Product: Debt collection

On XXXX/XXXX/15, Viking Client Services contacted me by mail about a " debt '' of {$670.00} from XXXX Car Rental. I know of no such debt. I contacted XXXX who had never told me about anything like this, and XXXX had no information about it. I wrote on XXXX/XXXX/15 to Viking telling them there was no such debt and asking that they drop it or " obtain a verification of the debt or obtain a copy of a judgment and mail to me a copy of such judgment or verification '' as they had indicated they would do so in their XXXX/XXXX/15 letter. They have not done so or responded in any way. On XXXX/XXXX/15, I received a letter dated XXXX/XXXX/15 again referring to this " debt '' and " offering '' me an initial payment plan of {$50.00} per month for XXXX months. 

This entire approach seems fraudulent, predatory and abusive. They have not provided any information on this " debt '' ( as they indicated they would do XXXX. I worry not so much about me, as about other poor individuals whom they must be approaching with similar tactics : official-looking letters, names of big corporations XXXX like XXXX XXXX, and no back-up or information. Just demands for cash payment for so-called " debts. " I am willing to cooperate with the CFPB or any other agency to help stop these predatory, abusive practices. If there is an attempt to collect a " debt, '' the debt collector should at a minimum be required to describe the so-called " debt '' to the debtor.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account ending XXXX, has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

I recently discovered inaccuracies on my credit report, including accounts, collections, inquiries, and personal information, which appear to stem from a data breach or fraudulent activity. Under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have the right to dispute and request the blocking or deletion of accounts related to identity theft or fraud. Additionally, FCRA Section 604 ( 15 U.S.C. 1681b ) mandates that only authorized parties can access my credit file, but these inquiries and accounts were initiated without my consent. 

The inaccuracies include the following personal information : Employer : XXXX XXXX. 
Incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Incorrect date of birth : XXXX. 
Incorrect current address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Incorrect name : XXXX XXXX. 
Additionally, the following items were added to my report without my authorization : Accounts : XXXX ( XXXX ) and XXXX ( XXXX ). 
Collections : XXXX XXXX ( XXXX ). 
Inquiries : XXXX XXXX ( XXXX ) and XXXX  ( XXXX ). 
Despite my contacting the relevant companies, they failed to provide compliant validation or original proof bearing my signature or electronic authorization. This lack of proper validation violates my rights under FCRA Section 605B and FCRA Section 604, which require that consumer reports reflect only accurate and authorized information.

I am requesting a thorough review of these inaccuracies, removal of all unauthorized entries, and verifiable evidence to substantiate any items claimed to be valid. Failure to address these issues promptly will result in further action to ensure compliance with the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Product: Credit card or prepaid card

Discover card was clearly provided the tracking number in dispute case number : XXXX, in regards to a used black belt that the merchant sent me for purchase price dispute of {$19.00}. XXXX tracking number XXXX was clearly returned to the merchant on XX/XX/18, at XXXX XXXX, signed by XXXX, delivered in XXXX, IA, the home office location of the retailer. As of today, retailer neglected to process the credit. Additionally, Discover card could have taken 30 seconds to type in the above tracking information to show that the item was returned to the retailer. Rather, Discover card relied on the original proof of delivery provided by the retailer which is irrelevant.
Product: Credit reporting or other personal consumer reports

Experian, Equifax, and transunion have had data breaches and my information in these credit bureaus have been compromised. I have had an escalation in calls from unknown numbers who have all my information and despite not having any inquiries or applying for anything. My information seems to be spreading around. there are addresses on my report that arent mines and numbers as well.
Product: Student loan

On XX/XX/2020 I submitted my annual repayment request to renew my income based payment. I submitted my paystub that was dated within the 90 day period. I also receive social security income. The letter I received from social security does not have a date on top of the letter stating the date the letter was issued. However, the body of the letter details the payment amounts for 2020 beginning on XX/XX/2020, which is well within 90 days of the XX/XX/2020 application date. I received correspondence from Navient advising that they are rejecting the letter from social security since there was no date on top of the letter. I called and spoke to a representative on the phone on or about XX/XX/2020. The representative advised that I was correct and the letter body contained the necessary information and submitted a request to have the reps re-review the document and accept it and if not, they would base my payment amount on my paystub income. She told me to look out for the document that would advise of my new payment amount. However, the letter the I received rejected the document again and then increased my monthly payment to over {$1000.00} per month, which is almost equivalent to my monthly income based on their rejection of my document although I can not require the social security administration to include a date on the top of my letter. When I asked what documents they would accept, they advised employer letter on employer letter head, pay stubs or W-2s, none of which are issued by the social security administration. I am jsut trying to be completely honest and transparent regarding my income so that I can pay the proper amount and they are doing everything in their power to reject my efforts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date XX/XX/2023, TransUnion told me they received my information and my dispute letter, but it led to a non-investigation because they accuse me of using a credit repair company. I have been ridiculed for too long from Transunion for months and I am getting XXXX at this point. My right as a consumer is being violated and how is it within my rights to fight back when I get the same issue? 


Please be helpful
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Equifax violating the FCRA with the incorrect spelling of my name. After documentation was provided and no form of payment for statutory damages and stress they caused me. From my identity being breached.
Product: Debt collection

CACI first contacted me by phone on XXXX XX/XX/2021. They have not sent me any correspondence of validation by mail since that first contact. I sent them a certified signature return letter via USPS requesting a debt validation be sent to me which CACI signed for and received on XXXX XX/XX/2021 stating they need to cease their efforts of contacting me until I receive debt validation so that I could be fully informed. now 38 days later I have yet to receive the debt validation that I requested from CACI and they have continued to harass me by phone daily and sometimes multiple times a day, violating the fair collection practices numerous times. 

XX/XX/2021 at XXXX I received a call from CACI from XXXX XX/XX/2021 at XXXX I received a call from CACI from XXXX XXXX XX/XX/2021 at XXXX I received a call from CACI from XXXX XX/XX/2021 at XXXX I received a call from CACI from XXXX XX/XX/2021 at XXXX XXXX received a call from CACI from XXXX XX/XX/2021 at XXXX I received a call from CACI from XXXX XX/XX/2021 at XXXX I received a call from CACI from XXXX XX/XX/2021 at XXXX I received a call from CACI from XXXX XX/XX/2021 at XXXX I received a call from CACI from XXXX XX/XX/2021 at XXXX I received a call from CACI from XXXX XX/XX/2021 at XXXX I received a call from CACI XXXX XXXX XX/XX/2021 at XXXX I received a call from CACI from XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date [ XX/XX/XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, High Balance : {$2600.00}, Last Date Account was verified : XXXX, Date of Last Activity : XX/XX/XXXX, Owed Balance : {$0.00}, Last Date of Payment : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have started a new job working with security clearance for XXXX I recently found addresses on my credit file that do not belong to me!! I have to get this cleared up asap. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, SS XXXX DOB XXXX is my current and only address. Please remove/delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX I have several incorrect names on my file as well please remove the following incorrect names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  {$210.00}, XXXX XXXX XXXX XXXX XXXX {$200.00}, XXXX XXXX XXXX : # XXXX {$55.00} XXXX XXXX XXXX : # XXXX {$130.00}, XXXX XXXX : # XXXX {$1100.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2900.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$270.00}, XXXX : # XXXX {$1500.00}, XXXX XXXXXXXX XXXX  : # XXXX {$1600.00}, has violated my rights.

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Credit ninja is reporting seven inquiries on my check systems report and those should not be on there. I do not have an account or did I open an account with you guys? These inquiries are preventing me from opening up a checking account and this is having a negative impact on my life I want these removed immediately.
Product: Mortgage

Select Portfolio Servicing, Inc ( SPS ) sent Annual Escrow Account Disclosure Statement dated XX/XX/XXXX. 
Indicated on the statement was that our monthly payment would increase to {$2100.00} effective with the XX/XX/XXXX payment. Not wanting to see the monthly payment increase by some {$230.00}, we opted to pay the requested shortage amount of {$2400.00}, feeling that our monthly payment would remain the same at {$1900.00}. 
The representative I talked to at SPS ( XXXX ) on XX/XX/XXXX processed the payment of the escrow shortage while on the phone with her. ( XXXX ) XXXX indicated that we must still make the {$2100.00} payment due XX/XX/XXXX " because that payment amount was already in the computer '', AND subsequent payments would increase to some $ XXXX. 
We don't understand 1 ) why we must make the {$2100.00} payment for XX/XX/XXXX and 2 ) why our monthly payment will increase to $ XXXX. Opting to pay in full the requested escrow shortage should leave our monthly payment unchanged at {$1900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX when I changed mortgage companies from a 30-year mortgage to a 15-year mortgage Trans union dropped my score by 33 points on XX/XX/XXXX with no apparent reason. After a dispute they raised my score by the 33 points and had no explanation. On XX/XX/XXXX my score went up by 45 points, on XX/XX/XXXX it dropped by 45 points. Overall, my balances decrease every month as when I make payments, I always pay at least two times as much as payment requested. For example, if XXXX has a minimum payment of {$220.00}, I send {$500.00}. My payment history on cards and mortgage is impeccable and my credit utilization is low about 35 %, I also have no negative items on either a mortgage or creditor. All my balances were decreasing. My score is like a roller coaster. I am a XXXX XXXX and the activity in the XXXX  is off the charts again, so I do not need this aggravation on top of it. it is funny that when I canceled my paid service with them the score dropped, and roller coaster began. I did refile a complaint but am at a loss because it keeps dropping as my balances decrease, my payments on time. I also complained that there were unauthorized inquiries on my account they never responded. I feel frustrated and always had score in the good range, now in poor range, when I have always paid more than a creditor requested on a monthly bill. Any help would be appreciated. My scores with XXXX nd XXXX are not a roller coaster. 
XXXX XXXX
Product: Student loan

I emailed navient student loan servicer about the 25 year forgiveness plan. They sent an email back saying I have only made one qualifying payment towards that plan. It clearly shows in my loan tractions I'm on auto billing and have at least made 10 payments. The navient servicer has mislead me with false info and false transactions. I'm now more than confused if I will ever pay off my student loan debt or have it forgiven even if I've made timely payments. I'm told differently my different agents all the time and given misinformation! This navient place needs to be held accountable.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX i transferred {$4000.00} to XXXX XXXX, transaction # XXXX. On XXXX XXXXXXXX XXXX XXXX requested XXXX, the receiving Bank, to send the money back and they provided information/proof of the return. I validated that they have the correct account & routing # s for me. they provided the following proof : Chase reference # XXXX and the federal tracking # XXXX. When I did not see the money in my account, I called Chase on XX/XX/XXXX and 3 other calls since. I am submitting a complaint because I have not been able to get a straight answer from Chase other than " I don't see the money return to your account '' nor were they willing to take the numbers i shared in this complaint. They have been unusually dismissive and not willing to provide me with appropriate direction to address this through them. I reached out through XXXX on XX/XX/XXXX and they came back with the same thing. I spoke to the claims department and they said I've reached the wrong party as the wire issue i presented was not a true claim. Imagine that, me not receiving my {$4000.00} in my account is not appropriate for a claim. On that call the folks in claims advise that i send a secure message and I did on XX/XX/XXXX. I don't even know if it got to the correct party as i could not get clear direction. FYI - Even the claims folks were not interested in the federal tracking or the Chase issued referenced number. Thank you in advance for you help. I am not a rich person. I was just trying to help out a friend who in the end didnt need it but i would do it all over again just no by transfer just withdraw and drive the 3 hours to get it to her.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I spoke with a XXXX customer service rep as to why my report had not been updated with Equifax since XXXX for XXXX 's reporting. She double checked with their reporting department and said that they did submit the reporting to the credit bureaus already in XXXX ( but did not have a specific date to tell me when and was unwilling to go ask that department any further questions ) and said I had to contact the credit bureaus directly to find out why they have not been updated. XXXX XXXX, XXXX I spoke to an Equifax phone rep with the employee ID : XXXX who clearly told me multiple times that XXXX has not in fact submitted any update in XXXX or XXXX yet to report for XXXX. XXXX is being willfully non-compliant and completely unhelpful to resolve this issue as I take the accurate reporting of my credit seriously and require it to be kept up to date as the laws require.
Product: Checking or savings account

Bank of America took money out of our checking account because they paid XXXX, which was a closed account that was my sons account. He had called them to tell them to stop the automatic, reoccurring payments. They did not listen and took the money out of our account because he had already taken his money out and opened up a new account. My son and I do not have the same account I signed for him when he was XXXX or XXXX XXXX XXXX so he can open up an account. I have nothing to do with his bank account, nor do I have anything to do with XXXX or anything else having to do with any of his financial situation. Thats illegal. They can not take money out of our account when they are XXXX separate accounts. And they did not notify my husband or myself before they took the money out of our account. The letter was sent to us yesterday which wouldve been XX/XX/XXXX. The transaction took place on XX/XX/XXXX.
Product: Credit card

Second Filing of Complaint Regarding Fraudulent Charges on Chase Sapphire Credit Card Linked to XXXX XXXX XXXX XXXX  To Whom It May Concern, I am filing this complaint for the second time to report unresolved fraudulent charges on my Chase Sapphire credit card that occurred while I was traveling in XXXX. I had linked my Chase credit card to XXXX, XXXX XXXX XXXX XXXXXXXX, to facilitate payments during my trip. XXXX required me to provide extensive personal information, including a selfie, a picture of my credit card, a recent statement, and my drivers license. 

Unfortunately, while in XXXX, my phone and wallet were pickpocketed. Upon returning home, I discovered over XXXX unauthorized transactions made through XXXX. I promptly filed a fraud report with Chase Bank ; however, Chase deemed these charges valid, arguing that since I had provided my personal information to XXXX, the transactions were authorized. Additionally, they concluded that because some legitimate transactions were made using my laptop between these fraudulent charges, all charges should be considered valid. 

I am unable to contact XXXX to discuss this matter or to investigate how my information may have been leaked or stolen, as XXXX does not provide accessible customer support options for international users. Furthermore, I am also unable to reach the police in XXXX, where the theft occurred. Without access to either XXXX or local authorities, I have no way to pursue an investigation of the data breach on my own. 

I am concerned about Chases investigation practices in this situation and question how thoroughly they examined these charges as fraud. While the IP address might match my device, this is due to my stolen phone being used for the transactions, and this does not mean that I authorized them. It is my belief that the lack of recourse with XXXX should prompt Chase to consider these charges more rigorously as fraud. 

Sincerely, XXXX XXXX