23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I had noticed on XX/XX/XXXX that my student loan principal had gone up unexpectedly. Upon reviewing my account I noticed that since XX/XX/XXXX my payment plan was changed without my authorization. On XX/XX/XXXX I called Navient to inquire about why my student loan payments were only being applied to interest and not principal. I was unable to gather any information from the Navient representative other than I had {$1000.00} worth of unexplained unpaid interest and that I was on an income based repayment plan. I emailed the company that evening to attempt to gather more information.
Product: Checking or savings account

I just received my first letter from XXXX XXXX XXXX after being told my new account with XXXX XXXX has been suspended. I have never made a withdrawal, just an ACH transfer ( to be paid by a company for contracted work. ) USAA is stating that on XX/XX/XXXX I had an incident that led to a principal loss of {$3900.00} from account abuse. Never have I ever used USAA for banking. This is not me and I would like to settle this. There seems to have been 17 ACH transactions all dating to XX/XX/XXXX, all with transfers less than {$11.00}. I do believe someone has taken my information and manipulated it for their own wellbeing!
Product: Debt collection

On XX/XX/2023, I sent a debt validation letter to the debt collection company via USPS certified mail. I have proof that the letter was received by the company 's secretary at the front desk on XX/XX/2023. The tracking number for the USPS certified mail receipt is XXXX. 

The letter requested validation of an alleged debt that the company claims I owe. This request was made in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

However, as of today 's date, more than 30 days have passed since the letter was received by the company, and I have not received any response or validation of the alleged debt. This lack of response is in violation of the FDCPA, which requires debt collectors to validate debts upon request within a 30-day period.

Due to the company 's non-compliance, I am being unjustly subjected to the negative impacts of an unverified debt, including potential harm to my credit score. I intend to pursue this matter until my rights under the FDCPA are upheld and the situation is rectified. The amount of the debt is {$980.00} and account number XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX 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

XXXX apparently closed the new account that I just got with PayPal Extras Mastercard, when I called them Saturday. I did not want them to do this, I was simply asking what's taking so long with the complaint that I already filed. Ther had been fraud on the previous PayPal Extras Mastercard that I had and they reported the account had been closed, but I simply was getting a new card with a new account number. My credit score, availalble credit, and average credit age all dropped, and this was after I had already filed a dis [ ute with Paypal saying that the account was not closed, and XXXX had put the account back and then closed it again. Now they are really ffrustrating and aggravating me with their incompetence saying that the account is closed when it's absolutley not, and now I'll apparently have to get another new PayPal Extras Mastercard to replace the first new one that I already got and used, becuase XXXX stupidly incorrectly reported the accout as closed again.
Product: Checking or savings account

Bank of America has consistently charged my checking account overdraft fees that are fraudulent and frivolous. Each time I have attempted to resolve the issue it resulted in a refund. However, this time they consistently put a POS Reversal on my account. Each time the POS Reversal appears it resolves itself as if it never occurred. The POS Reversal results in my account appearing to be over drawn. A few hours later my account is positive and the POS Reversals are no longer on the account. 

Secondly, the overdraft charges I received on XX/XX/2020 were erroneous. I called the bank to complain and was told they would not refund my money. I advised the manager that I wanted her to increase my daily withdrawal limit to {$1500.00} so that I could withdraw all of my money and then take my business to another bank. The manager blocked my atm card and disconnected my call. I was stuck in traffic, had no gas and needed access to my funds. These charges and more have caused my accounts to consistently overdraft. I was also advised by customer service that banks do not process over the weekend and my charges from XX/XX/XXXX through XX/XX/2020 did not process until XX/XX/2020. This resulted in my account appearing negative. I transferred {$100.00} from my savings account to the checking account on XX/XX/2020 and an additional {$200.00} was deposited to my checking account on XX/XX/2020. Bank of America received a total of {$300.00} to my account between XX/XX/2020 and XX/XX/2020. There is no reason why my account over drafted and no justifications for the over draft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act, XXXX  XXXX XXXX # XXXX, XXXX XXXX of XXXX # XXXX, XXXXXXXX XXXXXXXX  # 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: Checking or savings account

I Had A Contract With XXXX ( XXXX XXXX XXXX ) That Was Terminated XXXX XX/XX/2023. An Unauthorized ACH Payment Of {$440.00} Was Deducted From My Checking Account On XXXX XX/XX/2023 And Again On XXXX XX/XX/2023 To Them.
Product: Debt collection

On, XX/XX/2019 I requested debt validation ( letter attached ) then responded with a generic letter not addressing any request ( attached )
Product: Debt collection

Amount Owed ; {$1500.00}. Dated Opened ; XX/XX/2024. I am not liable for this debt with XXXX XXXX.I do not have a contract with Asset Care LLC.They did not provide me with the original contract, as I had requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I applied for a credit card Apple Card is a credit card created by Apple IncXXXX and issued by Goldman SachsApple. My application was denied because Goldman Sachs Apple informs me in the application decision that my XXXX XXXX credit bureau reports to them that I have a recently closed CHECKING/SAVINGS ACCOUNT. 

I contacted the XXXX XXXX XXXX and a manager informs me that my credit record does not show that I recently had a RECENTLY CLOSED SAVINGS OR CHECKING BANK ACCOUNT, therefore there is incorrect information in the credit application decision. 
I contacted the credit bank Apple Card is a credit card created by Apple Inc. and issued by Goldman Sachs Apple and a manager responded to me informing me that the only way they can reconsider my application is for XXXX XXXX to confirm to them that there is incorrect information in the decision and therefore does not exist in the credit record that there is a recently closed checking or savings account. 

I contacted XXXX XXXX again and they do not have a letter format to send to Goldman Sachs Apple bank the rectification that there is incorrect information in the decision of my application for the Apple credit card. Only they can give me a copy of my credit record, which I should send to Goldman Sachs Apple so they can see that in my record I don't have a recently closed CHECK OR SAVINGS ACCOUNT. 

I as a client, I am being a victim of this injustice and the lack of communication between these 2 companies. I am making this complaint so that they please agree and comply with the fair credit law. 
I ask that XXXX XXXX please inform Goldman Sachs Apple that I have not recently had any CHECKING OR SAVINGS CLOSED accounts and that this is not shown by my credit report, on which they are reliing to deny me the credit card. 
I also request that Goldman Sachs Apple reconsider my application based on the response to be provided by XXXX XXXX, which shall report that the information in the negative credit card response provided to me by Goldman Sachs Apple is incorrect.

Attached the Goldman Sachs Apple credit card refusal response, where it shows that they are based on information obtained from the company XXXX XXXX.
Product: Credit reporting

I disputed my birth date as incorrect with a copy drivers license and ssn card. This issue has not been resolved and more debt has been added to my account with the wrong information.
Product: Credit card or prepaid card

discover blocked my card during the corona epidemic request a 4506t form which i promptly filled out and they still have me blocked, i did another one for XXXX 3 days ago and they already got it back and i did discover 3 weeks ago
Product: Credit card

I paid Discover Personal Loans XXXX on XX/XX/2023. Also, I was reassured that a discover personal loans representative would be able to make payment plan or some arrangements with me regarding the amount due. On XX/XX/2023, I attempted to call Discover and the personal loans representative did not make any attempt or arrangements to assist me with this account. However, they are using tactics to trick me and con me out of money I don't have. This company has not provided any assistance in resolving the past due or payment of this account. They just keep lying and telling me to call them ; however, they do not have any plans on reduction the interest rate or amount due. In fact, if they would settle and remove the extremely high interest from the amount due, I would not owe them anything.
Product: Debt collection

XXXX XXXX XXXXXXXX opened XXXX XXXX balance {$280.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and XXXX have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Product: Prepaid card

I have spoken with XXXX  XXXX XXXX a few times about this in the past and just yesterday. 
I am unable to spend the money online almost any where and any attempt to convert the card to usable money is met with denials. I need to retrieve the balance of money left on this XXXX  XXXX XXXX so that it may be spent. 

I am unable to use it with any vendor that I have tried it with. When calling in I was told I should try other retailers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent disputes to Experian regarding 6 inaccurate accounts on my credit report. I sent two letter on XX/XX/2021 and XX/XX/2021. I have not received any results in the time allowed. Below are the accounts I asked Experian to delete from my credit report for inaccuracies : 1. XXXX XXXX, Account Number : XXXX 2. XXXX, Account Number : XXXX 3. XXXX XXXX, Account Number : XXXX 4. XXXX XXXX XXXX Account Number : XXXX 5. XXXX XXXX, Account Number : XXXX 6. XXXX XXXX, Account Number : XXXX
Product: Mortgage

I see that my most recent complaint was closed by you. This was filed today and is a different complaint as the fraudulent activity by the mortgage services in sharing my private information is completely different then the prior complaints. This is interesting to me as I reported all of this retaliation that was occurring at the time of its occurrence and have had no response from you. Now with these new actions that have recently taken place you quickly close a different complaint that has been filed. Why is this? 

XXXX XXXX XXXXXXXX? XXXX This was reported after the first Auction notice predated and signed, placed on our door with no affidavit. We were after the fact evicted from our home 3 months later. Why do you not respond to these pleadings for help? 

How did they possibly get our payoff amount after we had been notified by their attorney that they could not get the payoff amount?
Product: Credit reporting, credit repair services, or other personal consumer reports

I see inquiries on my credit reports that are not accurate and these inquiries were unauthorized by me. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified and unauthorized items MUST be removed. I have an inquire on my XXXX and Equifax Report from XXXX XXXX ( Bank ) on XX/XX/2021 that I need removed as required.
Product: Credit reporting or other personal consumer reports

This complaint concerns the inaccurate reporting of a XXXX XXXX charge-off ( Account # XXXX ) on my TransUnion credit report XXXX under File Number : XXXX, Date Issued : XX/XX/year>. While TransUnion claims that the information was " verified as accurate '' following their investigation, they merely updated " Date Updated, '' " Maximum Delinquency, '' " Rating, '' and " Historical Trended Data. '' I firmly believe this account is being inaccurately reported and that this violates federal statutes, as detailed : First, under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I am entitled to a thorough and complete investigation of any disputed information. XXXX XXXX has failed to provide sufficient verification to substantiate the reported balance of {$2300.00}, and without proper documentation, the information can not be deemed accurate. Further, the FCRA 15 U.S.C. 1681s-2 ( b ) mandates that furnishers of information, such as XXXX XXXX, must conduct reasonable investigations and correct or delete any inaccurate information. This charge-off and balance have not been properly validated and should be removed. Second, it is misleading for XXXX XXXX to report a charge-off while continuing to report a balance of {$2300.00}. The Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e prohibits false or deceptive representations in connection with the collection of any debt. Reporting a charge-off and simultaneously listing an outstanding balance without providing evidence supporting both is inconsistent and misleading, causing undue harm to my creditworthiness. Additionally, the FCRA 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to ensure the maximum possible accuracy of the information they report. In this case, XXXX failure to obtain adequate verification from XXXX XXXX has resulted in inaccurate information being reflected on my credit report, violating this standard of accuracy. Given these violations of the FCRA and FDCPA, I request that this XXXX XXXX charge-off be removed from my credit report immediately. I also ask for written confirmation of its deletion. If this matter is not resolved promptly, I am prepared to escalate it further and pursue legal action for non-compliance with federal law. Thank you for your attention to this matter. I look forward to a swift resolution.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward customer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave Transunion prior written consent to report any of these inquiries on my credit report. They violated my rights under 15 usc 1681b permissible purpose. I filed an FTC report about this and included that too.
Product: Payday loan, title loan, or personal loan

I 'm putting this in writing so that it is on the record to go with the complaint the I have filed with the Consumer Financial Protection Bureau and the XXXX XXXX XXXX. I called the toll free number and spoke with some in your office, stated that I want my account closed and all information that I provided digitally shredded. I was told by your employee that they could not do this, that it was against the Fair Credit Act to do so. This is not true. So I have filed a complaint with the above agencies and I may also file a legal complaint in Federal court. I do not trust your company with my data and with all the data breaches there have been, for have information that there is no reason for you to still have as I will never do business with your company. Also make sure that I 'm put on the DO NOT CALL, MAIL, or EMAIL list. You need to digitally shred my banking information as you DO NOT have any legal right to have this information. Also you are put on notice that if ANY breach is made at a later date, that you will be fully responsible for anything from this breach. And that you will be liable both civilly and criminally, as you choice to keep this information. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion and XXXX are allowing an account to be re-reported. it was deleted and blocked. the creditor is now reporting a new account. the name of the creditor is XXXX XXXX. XXXX  XXXX  also reported duplicate accounts and now i am having trouble getting those XXXX accounts removed. i sent the credit bureaus the proper documents. XXXX XXXX and XXXX XXXX are not allowed to contact me. there is a cease and desist order in place with XXXX  and hopefully XXXX  has put XXXX out like i requested since i reported both companies the nc doj
Product: Bank account or service

Well my bank still has not resolved my current complaint with your organization and now I have ANOTHER different issue with them. My dad made a XXXX deposit CASH into what was my savings account but it got switched to a secondary checking account because of too many transfers. This cash deposit was made on XX/XX/XXXX before XXXX. I transferred over XXXX of the funds to my actual regular checking account on XX/XX/XXXX, to cover a small debit purchase and a check for XXXX that my new landlord was holding for our security deposit. No checks were pending or presented on XX/XX/XXXX. Mid morning XX/XX/XXXX, XXXX the transfer from our one checking account to our other checking account of CASH was shown pending and tbe check was pending. Later that afternoon the check was returned even though the cash was in there and available because. I was even able to make my debit card purchase with the transferred funds on the XXXX. There was NO REASON TO RETURN THE CHECK and charge us XXXX fee. Also, dad told the bank teller he wanted the funds to go directly into our regular checking account but she placed it in wrong account. Further more we had to waste time and gas getting funds out by ATM to give a money order to new landlord. we now owe him a fee that his bank charged him. Additionally, we had to pay another XXXX stop payment fee, so we did not have more mess if his bank tried to redeposit it. The customer service lady claims that the stop pay is not guaranteed but took the money. It better be gauranteed and the check should have never been returned in the first place. Our bank notorious for this kind of stuff. Thank you.
Product: Debt collection

This account is fraudulent I have filed Identity theft on this account because I do not have any account with summit park I went to court to provide proof of clam and the judge cleared the account and stamped my paper work with my attorney general to order that EXPERIAN DELETE THIS ACCOUNT IMMEDIATELY JUST BECAUSE OF THERES NO DEBT TO FILL AND I DO NOT OWE THEM ANYTHING. Just because of experian are reporting this account it is causing me to live on the street and be homeless with my children and cant not get a job because of them stating that the account is verified. When its clearly not its identity theft and fraud thats why I reported this account to the FTC BECAUSE Experian fail to follow by the law of my attorney general I will file a lawsuit on Experian for my damages they have caused me and my family I cant not even work because of this nonsense. Account when my paperwork clearly states delete this account its fraudulent so delete and block this account because its whole me and my family back immediately.
Product: Debt collection

Took a debt that was owed during XXXX my landlord I had an agreement that I was affected by XXXX and I had to fill out paper that I was affected by XXXX. My man got Covid Everybody that was affected by XXXX in the complex. I moved out in XX/XX/year> with owing only one month or month and something my rent was XXXX and I owed XXXX something XXXX something XXXX. When I attempted to pay the debt that manager had been fired because he was doing illegal debts, he was cute. He mustve put an illegal debt on me. He turned me in after three and he then said I could still give him the XXXX to settle the debt even though they were already coming for me or XXXX is already coming for me. I never ever owed {$6000.00} and thats an other lie. Thats totally lie not true all the way around a bold face lie. I owed XXXX something to my landlord during XXXX during XXXX. I lost my job. All of Maryland was affect that was affected by XXXX got to get XXXX funds that building got XXXX. They literally got the {$3000.00} buy from the government. I dont the landlord I called them the other day what is that and they said they never sold it to XXXX is collecting illegal debt and they need to be held accountable. I never got XXXX. I dont owe XXXX and its been on my credit for since 2020 damaging my credit over a false fake report its not real my landlord got the money so I never owed my landlord. They need to come off my credit. Im reporting them then Im giving them this last chance Im coming to you guys before I sue them in the law for damages to my credit, the {$6000.00} among the things that theyve done harassing me Im telling me youre gon na take me to court. I dont pay you all the things that are illegal by a debt collector. Call me sending me letters that are fake and not sending the original contract. They sent me a fake contract and never could give me the original receipts of what actually paid. I need to see all the receipts that I actually paid because my landlord had all that, but they cant give it because they never got this landlord never got this debt from my landlord, they get their debt from the website to people that debts and everybodys going through it lying about the debts affected by XXXX XXXX in 2020 got XXXX so they should not be collecting anybodys rent in 2020 no no no thats illegal unless they can prove that they werent affected by XXXX but they cant cause I was thank you so you come up my credit