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

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On more than one occasion including XX/XX/XXXX I reached out to Check n Go and invoked my right to privacy and opted out of them sharing any of my personal information regarding the account with them to any third party, financial institutions, including the credit bureaus. They have failed to comply over and over again. My lawyer has tried to reach their legal offices through certified letter sent out XX/XX/XXXX and through their customer service center XX/XX/XXXX and XX/XX/XXXX to try and reach their legal unit to no avail have not received any responses. I then receive a notice for additional payment that also states they are not held to Fair Debt Collection Practices Act but theyre a financial institution. They are a scam of a company and the CFPB needs to take them down. The Credit bureaus also need to be penalized because its no way they completed a proper investigation when their legal team can not be reached and customer service just gives the runaround. I am tired of being taken advantage of.
Product: Debt collection

I wouldn't know my credit report was damaged until I planned to get a pre-qualification letter. I never think of that I will have problems with my credit score because I always pay off everything on time. But my bank Mortgage specialist told me that I did have a Collection reported on XXXX! I tried every way to look it up, found out that is a Collection of {$120.00} which opened on XX/XX/2020 with CREDIT MANAGEMENT, the original Creditor Name is XXXX XXXX  which I have ZERO knowledge about this company or NEVER received ANY letter from this company!! SO I called XXXX  to dispute the collection, also asked how this happened, the customer rep provided me with a number to call CREDIT MANAGEMENT. I called CREDIT MANAGEMENT, a lady who answered my phone asked for my whole SSN, my last name, my mailing address, she answered me that I have no collection under my name! I told her that there's a Collection of {$120.00} which opened on XX/XX/2020 with CREDIT MANAGEMENT, the original Creditor Name is XXXX XXXX. She put me on hold, after a few min, she asked for my birth year, and my first name. Then she told me that the one who is under that collection has the same Last name as mine, but her birth year is XXXX, mine is XXXX, plus we both have totally different mailing address! Which is a ridiculous mistake!! How can a collection company made this kind of funny joke to high impact on a person 's credit score? So the lady told me to hold and transfer me to their customer relation, which made me wait for more 20 min on the phone, ended up with asking me to leaving a message for them to call back on an auto machine setting!
Product: Checking or savings account

I got a letter by XXXX, that my account was under investigation and no information was given back to me loosing a total of XXXXXXXX XXXX  dollars. I call back they claim my account was closed by me when I did not in fact close my account.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my cash app account was hacked and someone was actively taking money from my checking account ( local bank company ) and transferring it to my cash app account, then withdrawling the money some how. That day I made XXXX transactions and had {$6300.00} in my bank account. I was on the phone with cash app support telling them someone was hacking my account at that exact moment. I would lock my card and whoever was hacking it was able to unlock it right after Id lock it! By the time they were able to stop transactions there was only {$1100.00} in my bank account. They did an investigation and only refunded me around {$4700.00} I think. Neither my bank or cash app has provided me the money that is still unaccounted. 

Then in XX/XX/XXXX CashApp froze my account, asking to verify my identity. I did everything they asked of me. A few days later they lifted the freeze off my account and gave me full access back to my account. Then a day later closed my account all together, stating i violated a policy of theirs, but would not give me any additional information. 

Now they are screwing up my credit, because at the time they closed my account, I had a loan out with them. Im not even able to make the payments, due to it being closed. I have contacted them at least 5-10 times regarding both the missing money and the false accusations regarding the account closure/ unable to make the payments on my loan because of the closure. 

No changes have been made
Product: Checking or savings account

I am writing to file a complanit against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Student loan

I Was contacted by student loan relief department about a " loan forgiveness program '' and how they can help reduce paying loans at low cost monthly depending on one 's gross income and household in XX/XX/2017. Asking for personal information, identification, pay stubs, number of household, bills, and account number, employee information. 
Then, I am contacted by a third party Equitable Acceptance Corporation who has the information that was provided to student relief department claiming they will handling my loan and being my loan servicer explaining they will helping me pay my loans as a college student. Explained, they had calculated everything and my monthly payment will be {$49.00} for loans. I have paid them for 5 months. Until my federal loan service contacted me saying I don't have to pay loans due to me still being in school and taking classes. I informed them that I had already begun giving payment to my loans Until, they explained they have received no amount toward loans. I discussed and they explained about third party scams and said, to contact my fedloan.gov file a complaint as well as federal trade commission to change my username and password as well as contacting my bank to block the Third Party Equitable Acceptance from auto enroll from my account due to the fact that they have ALL my information, Social and more that could potentially damage and charge under my name. As I did all those actions they have continuously call me everyday, leaving voicemails and to an extent of reaching to my employee job office to have me pay. As my employee office provided them no information of mine thankfully. Yet still they continue to harass me explaining something is wrong with the account. Being misinformed that I would be in a contract and paying this third party Equitable Acceptance whom My payments were suppose to be toward my loans nothing for I, the consumer. I'm in utter disbelief and misinformed as they had contract apparently for 4 years or more for a servicing nobody but themselves. As I still have to pay my loans serperately. I contacted student relief and was unable to provide me with accurate information about this program. Still the woman seemed unsure. I tried contacting the person who " helped me '' with all the information and the number did not work nor information. As I asked them what their program does and the woman continuously avoided the question as to how this loan forgiveness program works. They are aware of Equitable Acceptance and ended up saying good luck to contact, but won't be able to do anything because I signed a contract. A contract that I was completely misinformed. They Third Party Corporations know what they are doing, and have a way of convincing they are helping with Federal loans, and are part of program yet they are taking this money away that is suppose to help college students pay their loans and simply wishing to do good for the community as the community has mislead as they continue to do so to other students as I hope this may also help others in danger or scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

INQUIRIES / Hard pulls/Negative Also without my permission from XXXX XXXX on XXXX XXXX and Equifax XXXX XXXX XXXX XXXX
Product: Debt collection

I was recently going over my credit file and found some inaccurate items. I have no knowledge of this debt that they are saying I owe. I havent received any phone calls or letters about this, just random emails. In the emails it includes an account number and balance, but doesnt state anything about my right to dispute this debt. According to the FDCPA I am supposed to receive this information within the first 5 days of initial contact. This comes with a civil liability of {$1000.00}. In addition I would like the unverified account removed from my credit profile, as it is preventing me from receiving the funding I need.
Product: Credit card

I have noticed fradulent charges against my debt card and Google ( googlewallet ). GoogleXXXXXXXX XXXX XXXX XXXX, have charges of either {$7.00} or {$8.00}, and have been taken it from my XXXX XXXX XXXX account without my permission. 
I noticed this back as far as XX/XX/year>. 
With each activity XXXX has provided me with a new credit/debit card and this fradulent activity continues. 
With the previous situation Ive learned to lock my card when not in use so that companies can not help themselves to my money. 
Today XX/XX/year>, XXXX and I have discovered that this money has been taken out of my Google Wallet. 
XXXX has graciously refuned the charges and provided me with a new card after each fradulant charge case but these charges from Google continue and it was not until today that we figured out that the money was taken from Google wallet. 
The actions that I have now taken is that I have removed my cards from the google wallet and I will not use Google wallet any longer. 
XXXX and I discovered that there was a short period of time on XX/XX/XXXX, that my card was unlocked while i was shopping and during that time is when the money was taken from my account this lst time. 
XXXX has provided me with documentations whereas, Google attempted to take money from my account and an error message indicated that the account was locked, so they were unable to take the money. 
XXXX has once again provided me with a new debit card, I have tried in the past to talk to a Google member customer services but no phone number will put me through to a live person. 
XXXX provided me with a customer service phone number : ( XXXX ) XXXX but I was still unable to speak to anyone about my situation. 
Google has let me down. 
I thought they were a reputable company because at one time they did in fact have a helpful live XXXX service phone numbers and they were very help in the setup of my Googlefide home that I have. 
Now they are no where to be contacted and they have their hands into my cookiejar/bank account and I can not talk to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank offered a personal and unsecured loan for {$11000.00} in XX/XX/XXXX. Mid XXXX I had problems paying off and Citibank eventually sold the debt to XXXX XXXX XXXX which unknowingly sued me and won a judgement in their favor. 

Ultimately, they turned collection over to XXXX XXXX which I paid in full {$16000.00} dd XX/XX/XXXX. 

Judgment has been released by the XXXX XXXX dd XX/XX/XXXX ( copy attached ). 

I have several times tried to dispute the open balance Citibank still reports as late as XX/XX/XXXX in the amount of {$7800.00} to XXXX credit bureau with XXXX but Citibank rejected my dispute and false. 

I have also asked Citibank via certified mail to correct this error by XX/XX/XXXX but they have not replied.
Product: Credit reporting or other personal consumer reports

The above account does not belong to me I am a victim of identity thief Under 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of the accounts listed IMMEDIATELY XXXX XXXX {$380.00}
Product: Student loan

To whom I am concerned, My name is XXXX XXXX, and I am reaching out to CFPB because I have an issue with ED Financial. During the pandemic, I paid my student loan totaling approximately {$470000.00}. However, last week I received a {$100000.00} check ( refund ), and the customer representatives could not provide any specifics regarding the other amount.

In addition, before ED Financial, my service provider was XXXX XXXX. I have tried to speak with them, but the number does not work. 

Furthermore, I have attached the documents that prove that I made the payments and my loan amount was approximately {$360000.00}. I would like it if you could provide some guidance for me. 
Thank you in advance for considering my request. 

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

The credit card company XXXX XXXX XXXX  has reported two late payments to my credit report. I think this is incorrect and unfair reporting practices because of the fact that XXXX XXXX XXXX has admittedly been sending my credit statements to the wrong address. The representative that took my email address did not enter it in correctly ; therefore, I was unable to login/access my account for over a month. 

I called XXXX XXXX XXXX on XX/XX/XXXX after seeing that my credit report was updated with delinquent payments. I explained that I had not received a credit statement yet was reported delinquent. The rep proceeded to look into my account. She asked for my email address. I gave it. She then noticed they had the wrong email address. They spelled my name wrong in the email address. 

I have never had a late payment before or after this incident on this card. 

So, I then made a large payment covering half of my current balance and requested that the email address be corrected and that they remove the late payments on my credit. I was promptly sent a letter roughly one week later from XXXX XXXX saying they reporterd correctly and will not be removing the late payments. 

This is very shady business practices. It was clearly a clerical error on their part, which in turn prevented me from even being able to access my account information ( because my email address couldn't be used to set a password since the email was incorrect ). 

I had a near stellar payment history until this occurred. I am disgusted with XXXX XXXX 's lack of responsibility, which clearly occurred due to their representative lacking English language skills. Not speaking English is fine, but screwing up the spelling of a customer 's account information and then holding them accountable because you can't understand them is not acceptable. If I would have received my statements, the bill would have been paid on time, no questions asked.
Product: Debt collection

A Choice Recovery associate contacted me on XXXX XXXX, 2016 regarding what he asserted were several small, accumulating balances for which he was attempting to collect. The collection associate calling me was from a local phone number so I requested his business line to confirm the validity of his identity. I advised him that I would hang up and call him right back, which I did. There are too many scams to readily provide my credit card information over the telephone. I received his voicemail and requested a return phone call. In the interim, I called the business with whom the balance originated from ( as initially explained by this collector ). I spoke to a representative who stated she looked at all possible scenarios of where my account may have been placed for collections. Not only did she state that I did not have a balance, but that I was entitled to a refund which she said I should anticipate within 2 weeks. 
On XXXX XXXX, 2016 I received a phone call from the same collection associate. I explained to him the same scenario I just just described in this complaint and advised him that I would not be paying that balance. The associate seemed to be offended, stating that whomever I spoke to was wrong and that he would have these balances reported to my credit bureau. I explained that I would obtain written documentation and send to him. The associate became audibly agitated and then proceeded to tell me that the conversation was being recorded. In my professional experience, I am knowledgeable that if a phone call is being recorded that it must be stated at the beginning of a call and I stated the same to the associate. The representative then accused me of being nasty. I simply replied, in a non-threatening tone that he was being nasty, not me. The representative then stated and I quote, " Okay, I 'm terminating this call because apparently I 'm XXXX. '' I was baffled and I believe I replied something to the effect of, " Okay, have a nice weekend. '' I reflected on the call for a few moments and decided to call the company back and ask for a manger. In short, I spoke to a female manager who indicated she would review the call and call me back. In fact, I did receive a return phone call from a polite associate, who through research, I found to be the Compliance Officer. 
Although she offered an apology and indicated the associate with whom I had originally spoken to had received corrective action, I am still incensed that a person representing a company would engage in such a demeaning and unprofessional manner. I happen to have ancestry which was subject to the XXXX. Such comments are not to be made with total disregard and arrogance. Additionally, I took offense that in response to me stating I would provide documentation to him, he replied that this would be on my credit bureau. He was not simply informing me of the possible scenarios, it was stated with threatening overtures.
Product: Vehicle loan or lease

I paid off my lease in XXXX and have not received my title. I call bmw and they assure me it is going out but I do not have it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed several disputes with experian. On XXXX XXXX XXXX XX/XX/XXXX of 2021. Although each have been found in my favor because I have never missed or had late payment... On my experian credit summary it shows a late payment and on my XXXX score XXXX it shows few accounts paid on time and serious delenquency and on additional XXXX scores bad payment history, missed payments and serious delenquency. The disputes all found I was never late, I never missed a payment and the account was closed at the time they claim this happened.
Product: Debt collection

I received a notification on Saturday XXXX XXXX that my Equifax credit score dropped 70 points because of a medical collection was added to my Equifax credit report. The collection was from  XXXX XXXX XXXX for the amount of {$300.00}. The original creditor was XXXX XXXX XXXX XXXX XXXX. I contacted XXXX XXXX  by phone on monday XX/XX/2019 morning at XXXX XXXX  CST and spoke to XXXX XXXX. I made her aware that the collection was not valid and that debt had already been paid to XXXX XXXX XXXX XXXX. XXXX XXXX told me that indeed were in contact with the hospital and were aware the debt had been paid and that they would be sending a Deletion Letter to all the credit bureaus informing them to remove the collection off of my credit reports. This has still not been done. XXXX still has not sent the deletion letter, and they will not return my emails or phone calls. I than called Equifax and they told me there was notning they could do but wait 7 to 10 business days to remove the collection even though I had a deletion letter in hand proving it was wrong. I spoke to XXXX at Equifax, his employee number is XXXX. I told him I needed it removed immediately because it violated my FCRA rights and he again told me he could not do anything. These actions by both Equifax and XXXX XXXX  are in direct violation of my rights protected under the FCRA laws. This collection needs to be removed from all of my credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX, XXXX, Transunion ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : FRAUDULENT ACCOUNT Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX XXXX ( original Creditor : XXXX XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  XXXX $ XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  XXXX {$12000.00} ( XX/XX/XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice. 

Warm Regards, XXXX Without prejudice, all natural inalienable rights reserved.