23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX XXXX 2016, I paid off the balance of my account of XXXX . At that point on XXXX XXXX I had a XXXX balance on the account. 3 weeks later, there was a finance charge assessed to the account of about XXXX . Thinking I had paid this off, I did n't use the account again and put that cred card in a drawer. 5 months later I get letter in the mail saying that they were closing my account and it was past due XXXX . They kept penalizing for a residual finance charge. I was never contacted about any sort of late payment by phone, text or email Every other credit card company I have ever dealt with has always contacted me and to let it go 5 months with out contacting me is crazy! Not only that but every other credit card company waves residual finance charges. I 'd have been more than happy to pay the XXXX finance charge, but they did n't inform me that they made a charge to my account ... by even something as a statement.
Product: Debt collection

I have been going through my credit report and found that lvnv funding llc has been reporting incorrect data to the credit bureaus as I disputed with the credit bureaus only the experian was removed the other two came back as verified, there is multiple things incorrect in the reporting of this debt including that lvnv funding reported themselves as the original creditor. This needs to be removed from my credit report I will be seeking litigation as it is my right to have a fully correct credit report as stated in the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

opted out dont to report to lexis nexis ftc violations
Product: Credit reporting, credit repair services, or other personal consumer reports

i have asked the credit bureaus to show me how they have validated the negative accounts on my credit report. i have sent them 2 separate letters asking them show proof that the negative accounts belong to me and to show me how they were validated. they have failed to produce any documentation providing any proof or how it was validated.
Product: Credit card

XXXX CFPB and BBB, ** I am writing to file a complaint against XXXX XXXX XXXX regarding their handling of disputes and refunds, during which they have destroyed evidence and engaged in embezzlement. They are fraudulently taking funds from both customers and merchants. I have contacted the bank multiple times regarding these issues. 

There are XXXX transactions in dispute : XXXX. XXXXXXXX dispute for $ XXXX : After I initiated the dispute, the merchant issued a refund. I requested that the bank cancel the dispute, but they said it was not possible. Despite the merchant refunding the amount, the bank reversed the credit and still charged me, effectively embezzling the funds. 

XXXX. XXXXXXXX  XXXX of $ XXXX : The merchant canceled the order due to lack of stock, but the transaction record was destroyed and there is no history of it. However, the bank is still asking me to pay the balance, which is incorrect. If the balance is not adjusted, the {$540.00} has been embezzled. 

The bank is using these methods to deceive consumers and merchants to embezzle funds. Please investigate this rogue bank. Thank you!
Product: Bank account or service

m account was hacked and the bank froze {$500.00} dollars of my money on XXXX XXXX 2016 they still have not put it back in to my account when I talk to the FRAD DEPARTMENT THEY TILL ME IT GOING TO TAKE LONG IT BEEN OVER THIRTY DAYS.
Product: Credit reporting or other personal consumer reports

I disputed inaccurate late payment reporting on the following accounts : Uplift Account # XXXX, Uplift Account # XXXX, Uplift Account # XXXX, and XXXX  Account # XXXX. These accounts are closed with {$0.00} balances but are being falsely reported with over XXXX  days of late payments. Despite submitting formal disputes with documentation proving the accounts are paid in full, the credit bureaus and furnishers have failed to correct these errors, violating the Fair Credit Reporting Act ( FCRA ). This inaccurate reporting has significantly harmed my credit score and financial opportunities. I am requesting immediate action to remove the false late payment information and hold the furnishers accountable.
Product: Student loan

I contacted Navient in XX/XX/XXXX to inquire about the payment history on my student loans. The initial private loans and federal student loans began repayment in XXXX and were set on a 15 year gradual step repayment plan. The initial servicer was XXXX XXXX XXXX XXXX XXXX. The loans were then consolidated in XXXX to include graduate student loans. The service provider was switched to XXXX XXXX, and subsequently Navient acquired the loans around XXXX. From XXXX I made several lump sum overpayments. Navient did not allow me to direct these overpayments to the loan of choice, rather they applied them evenly across the two private loans and two federal loans. 
Trying to understand the complete loan payment history, and reason why the amount owed in XX/XX/XXXX was more than the original amounts borrowed ( despite overpayments ), I requested via phone, a complete history of payments made on the loans. I was told by the customer service representative that this was not possible since Navient did not service my loans prior to XXXX. I asked for an accounting of the amount that was acquired by Navient in XXXX and a complete accounting from that date. I was told by the customer service rep that I would receive the accounting via mail within 2 weeks. Subsequently, the accounting was never received via mail or electronic mail. 
I was also told by the customer service represenative that when Navient acquired my loans they were in a " repayment plan of forbearance ''. I explained to the customer service rep that " forbearance '' is a loan status and not a " repayment plan ''. I was trying to understand why the repayment plan I had selected with my prior provider ( 15 years graduated repayment ), did not carry with the loan acquisition by Navient. This information has still not been provided. Rather I was told repeatedly by the customer service representative that the " repayment plan was forbearance ''. 
I have since re-finance my loan with a private servicer since Navient could never provide a clear accounting or transparency into how my payments were applied. 
Successful resolution of this issue would be a complete accounting of how all payments were applied by Navient. In addition, I would like information on the balances as bought and sold from XXXX to Navient. I have checked the federal student loan database for this information, but there does not appear to be any record of payments applied, only amounts bought and sold between corporations in the submarket.
Product: Money transfer, virtual currency, or money service

BlockFi froze all withdrawals on or about XX/XX/2022 in response to XXXX declaring bankruptcy. Without any official notice, the company did not allow assets to be made available. In the days following, there was little communication or effort to update customer/clients on the status of our funds. Pending transfers have stayed pending. The website was updated without warning to prevent use of many website/app tools. The official social media website references customer support accounts that appear to be fake or scams, encouraging people to setup illicit access and be out of their money. The phone services have been shutdown. Now XXXX XXXX XXXX or XXXX  of dollars are frozen and inaccessible. I have approx {$130000.00} that is locked out and stuck. Without any updates or information or a way to speak with the company. The company referenced XXXX licenses and regulation from state of New York, but none of that appears to be in effect or being enforced as a safety net for this exact situation. PLEASE HELP! Thank you.
Product: Credit reporting or other personal consumer reports

I'm filing a complaint against your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). Items were deleted from my credit report, and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or I will seek litigation. I have also attached an invoice for violations of the 3 items. Payment is to be remitted to the address on the invoice. The remedy is being pursued in relation to Rule 55 of the Federal Rules of Civil Procedure and 28 USC 2201.
Product: Prepaid card

I made a call to customer service on XXXX XXXX to resolve the issue with how I wasnt able to spend the mobey on the gift card at certain places like the local market or a gas station. They recommended to use the card at more popular locations and that alsos didnt work since I used it at a XXXX and XXXX as well but it didnt go through either. The card is shown as active online and is told active when called up for the balance with the number provided on the back.
Product: Mortgage

Inappropriate Fee - NEEDS TO BE REMOVED FROM MY LOAN ACCOUNT - Other Charges And Fees of {$1800.00} When I inquired as to what these fees were, I was informed that the fees were Bank of Americas ( BOFA 's ) attorneys fee from filing a claim in my bankruptcy filed on XX/XX/XXXX, after the BOFA DOJ loan forgiveness modification agreement was implemented. I was current with my BOFA loan. I filed bankruptcy to resolve issues with another financial institution. 

The XXXX Bankruptcy XXXX ( Maryland ) was # XXXX. BOFA, through XXXX XXXX, only submitted XXXX documents to the XXXX Bankruptcy XXXX, Maryland see attached, along with the bankruptcy docket : XXXX. Notice of Appearance XX/XX/XXXX ( Docket # XXXX ) XXXX. Objection to Confirmation Plan XX/XX/XXXX ( Docket # XXXX ) XXXX. XXXX Notice of Appearance XX/XX/XXXX ( Docket # XXXX ) Looking at the Bankruptcy docket, BOFA never submitted the paperwork to make a claim after initiating the process in my bankruptcy, as they informed me. After the XXXX notice of appearance, there was not any further action by BOFA. 

Also, looking at my XXXX Credit Report, BOFA reports the Status as Transferred, closed, Never late. The fees MUST BE removed immediately. NOTE : The bankruptcy ended on XX/XX/XXXX, having nothing to do with BOFA. ( See the XXXX Credit Report attached. ) XXXX : The Consumer XXXX XXXX XXXX XXXX CFPB ) and Associated XXXX XXXX AP XXXX both reported on XX/XX/XXXX on BOFA XXXX CFPB reported BOFA was to pay a total of {$90.00} XXXX in penalties to the CFPB and {$60.00} XXXX in penalties to the XXXX for wrongful practices across the banking system including, but not limited to, double-dipping, falsifying records, etc. The AP reported Bank of America hit with $ XXXX in fines and refunds for double-dipping fees and fake accounts. 

For more details, please click here CFPB XXXX XXXX XXXX Bank of America For Illegally Charging ..../ AP-Bank XXXX XXXX XXXX XXXX XXXX XXXX in fines, penalties for 'double-dipping " fees, fake accounts ... - see attached. 

Also, the BOFA DOJ loan forgiveness modification that I received in XXXX was as a result of DOJ settling with Bank of America for XXXX XXXX with mortgages. Click https : XXXX see attached from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act these companies, XXXX XXXX XXXX Account # XXXX and XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, and XXXX XXXXXXXX Account # XXXX, have 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 15 U.S.C Sub Section 6802 B : the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ;
Product: Credit card or prepaid card

I received a notice from another credit card company this morning who gets their information from XXXX and the alert was that my credit card with First National Bank of Omaha was closed due to inactivity. First of all, the company has not issued me a letter stating they closed my credit card on me, secondly, I have been a customer of theirs since 2016 and have never missed a payment or have been late. Third, I called the company and I was advised that theres nothing they can do that I would have to reapply. Lastly, I was saving this credit card to use on an upcoming trip. In the meantime, I was trying to pay down the balance. Apparently in the United States credit card companies dont want you to use cash. They want you to use credit cards with high interest rates or else you get penalized like in this situation.
Product: Credit reporting or other personal consumer reports

Our data was released into the world anyone had access to my information. I do not agree
Product: Student loan

I have been making monthly payments towards my student loans about 3 years ago. My situation changed a little over a year ago. I contacted Nelnet to discuss my options. I decided to go with the repayment earn as you go program. I was told there is a {$690.00} application fee but if I join now, My application fee would be {$590.00}. However, my application would not or could not be processed until my fee was paid. I was also told this fee could be made in monthly installments. So, since XXXX, I have made XXXX payments of {$190.00}. I submitted my application soon after I hung up the phone initially in XXXX. XXXX payments later I received a letter from Navient stating my application was being processed. I called them to discuss that letter, but did n't get through. I called Nelnet to see if my application was being processed. They said no, that they never even received it. This was in XXXX. After XXXX 's installment was auto drafted from my bank account, I called Nelnet again to see where my application stood. Again, they claim to have never received it. I then called Navient and got a hold of a lovely woman named XXXX who explained to me my application was indeed being processed. She also informed me Nelnet was no longer my provider and I should not have been asked to pay anything regarding an application fee because the service I was paying for is in fact free. She proceeded to give my phone numbers to people who could help me get this resolved. I am attaching documents from my bank showing the XXXX installments I made in the amount of {$590.00}. They are in a different name ( ACH XXXX ... ) than the Dept. of Education I usually made payments to.
Product: Debt collection

I received a letter in the mail today XX/XX/XXXX from a collection agency stating that a letter was sent to my address 30 days ago and it is stating I owe money to XXXX, I do not owe the company any money or any item I have never received the company is more than aware of the matter, they have been communicated with since last year of XXXX and is requesting for money owed and my bank has already given my money back from XXXX almost a year ago. Please stop sending threatening letters and tactics from the collection agency that you all are sending false information stating I owe for an item you all are more than aware that I did not receive.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing part of the fraudulent information from my credit file, but there are still unresolved items that should be removed. Under FCRA Section 605, you are required to remove any inaccurate records. I have already provided this documentation in a previous letter, and I am including it again. My attorney is fully aware of the situation and is ready to hold you accountable for your ongoing non-compliance. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

These medical bills aren't mine.
Product: Debt collection

On XX/XX/XXXX, I was contacted around XXXX at my previous mobile number ( XXXX ) by a representative from XXXX XXXX XXXX XXXX XXXX ). The representative informed me that for a XXXX time payment of {$120.00} I could settle the amount I owed- over $ 400- on my XXXX XXXX credit card account. The agent had a XXXX  accent. On XX/XX/XXXX my bank, XXXX XXXX XXXX XXXX paid them {$120.00}. On XXXX XXXX XXXX I received a letter from the same company about the same Credit card account. I called and spoke with a representative who said that the letter had just crossed in the mail and I should disregard. Once again that representative spoke with an accent. Today, XX/XX/XXXX, I received a letter from another collection agency- Stenger and Stenger- XXXX XXXX out of XXXX XXXX XXXX MI, regarding the same credit card account for a different amount of {$910.00} and a Settlement offer of and other options. At tis point I contacted the number I have for XXXX XXXX XXXX ( XXXX ) and there is a recording saying " We no longer service your account '' and directed me to call a different XXXX number- ( XXXX ), which comes up as XXXX XXXX XXXX I do not know if this is a blanket recording or not but I called XXXX from my new phone number which they do not have. When I spoke to the representative who was allegedly with XXXX  ( OBTW- he too spoke with an accent ), he informed me that they did have collection agencies and XXXX XXXX XXXX XXXX XXXX that they used. He asked me to give him my ss # or the telephone number associated with my account. I said I do not have an XXXXXXXX and never have, He said he could try to bring up my account with XXXX XXXX with my SS # or phone number I said I did not feel comfortable. He said visit the XXXX website and call the number on the website. I already told him before I do not and never had XXXX He knew the only thing I could do is apply for one or log in if I already had an account. This account has already been resolves on my Credit report as closed. Neither of these companies should be trying to collect this debt. I already paid the first settlement offer with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making this CFPB complaint in order to get the fraudulent accounts and information that are being reported on my credit file removed as soon as feasible. My credit report contains a significant number of unlawful requests as well as some false information reporting. My identity has been hijacked, and I am aware of it. As a result, I formally reported this to the FTC under XXXX XXXX XXXX. In accordance with FCRA Section 605B rules, I have integrated that report into my complaint ( 15 U.S.C. 1681c-2 ). Please erase these items from my credit record as soon as possible in compliance with the law ( i.e., 4 days ). Please let me know if you require anything else. I require the following items immediately removed from my Credit File : 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 If you believe I possess the disputed objects, please provide me copies of whatever paperwork you have that proves you are the legitimate owner. In the absence of these documents, these bogus accounts will be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX andXXXX  XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative information that is being reported on my credit report. I am specifically referring to the following accounts : 1. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Account 2. XXXX XXXX XXXX Charge Off Account 3. XXXX XXXX XXXX XXXXXXXX XXXX Charge Off Account 4XXXX XXXX XXXX XXXX  NA XXXX Charge Off Account 5. XXXX XXXX XXXX Charge Off Account 6. XXXX XXXX XXXX XXXX Charge Off Account 7. XXXX BANK XXXX Collection Account 8. XXXX Bankruptcy XXXX XXXX 9. XXXX Bankruptcy XXXX XXXX 10. XXXX XXXX XXXX XXXX 11. US DIST CT XXXX I believe that the information being reported on my credit report is inaccurate and is damaging my credit score. I have reviewed my records and have found that there are discrepancies in the information being reported by the credit bureaus. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. I am therefore requesting that you investigate the information being reported by the credit bureaus and correct any errors that you find. 

I would also like to remind you that under the FCRA, you have 30 days to investigate and respond to my dispute. If you do not respond within 30 days, I will assume that you have accepted my dispute and have made the necessary corrections. 

I am very concerned about the impact that this negative information is having on my credit score. It has made it difficult for me to obtain credit and has caused me a great deal of stress and anxiety. 

I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Reported : XXXX XXXX XXXX {$490.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX