23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contacted the DEBT COLLECTOR and explained to them that the debt is not mine- I called them in on XX/XX/2022. 
I sent them a copy of the court document showing that the COURT shows the debt is NOT mine and that it is MY EX HUSBAND 'S who got the credit IN MY NAME without MY PERMISSION - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The company did nothing. 

I emailed them as well and they have not removed the debt they KNOW if not owed to them by me in OVER 60 days. In fact, last week they RE-REPORTED IT to all 3 credit bureaus knowing they have COURT documents showing different. 
Attached is my DIVORCE DECREE indicating the account they are attempting to collect a debt on.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX are reporting inaccurate information on my credit report which is decreasing my score. With my score being lowered, I can't be approved for loans or credit cards. The inaccuracies including late payments, open accounts that doesn't belong to me and inquires which are fraudulent.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( XXXX ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( XXXX ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss XXXX Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Credit card

I have around {$170.00} in rewards points in my TD credit card. I have spent over 6-7 hours on the phone with them and they keep transferring me to someone else and no one is helping me. I opened this card for the {$150.00} bonus and I demand it. Thanks
Product: Credit reporting or other personal consumer reports

PLEASE UPDATE MY PERSONAL INFORMATION IN YOUR SYSTEM I ATTACH THE DOCUMENTS NEEDED, PLEASE I'M BEGGING YOU TO TAKE AN ACTION WITH THIS MATTER, YOUR FAST ACTION GREATLY APPRECIATED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma ( www.creditkarma.com ) is an online service that provides free credit reports, tax preparation services, and offers for credit cards and mortgage financing. Among their partners are the credit bureaus XXXX  and XXXX. 

My credit reports are frozen at XXXX  and XXXX, as well as at XXXX. Yet Credit Karma has sent me messages about my credit card payments and usage, mortgage balance, and other information that should be soundly locked inside the credit bureaus. 

Credit Karma is not authorized by me to access my credit information. XXXX and XXXX are not authorized by me to share my credit information. So either Credit Karma is obtaining the information illegally or XXXX  and XXXX are violating the credit freeze and my privacy by providing my credit activity to Credit Karma. 

If this is being done to me, it is almost certainly being done to others, exposing my data to a third party and, potentially, to bad actors who might hack into their servers. This is a violation of consumer protections, undermines the purpose of credit freezes, and deserves immediate attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute letter to Equifax on MY behalf regarding a debt they have placed on my credit report. I have asked them the following : I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Im requesting an investigation because I felt the item was not being reported legally. How was this information verified? Prove that this listed debt belongs to me and not someone else. Im request for sufficient legal proof under the FCRA. 
Information in dispute : XXXX XXXX Acct. # - XXXX Amt. {$93.00} Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent deletion of this item from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX and Equifax, Subject : Dispute of Fraudulent Inquiries on My Credit Report I am writing to formally dispute several unauthorized inquiries appearing on my credit report. I am a victim of identity theft, as documented in the attached FTC Identity Theft Reports ( Report Numbers XXXX and XXXX ). I request the immediate investigation and removal of the fraudulent inquiries detailed below.
Product: Debt collection

My Name, Social Security Number and Date of Birth was fraudulently obtained and used to open a XXXX account with 3 telephone numbers XXXX, XXXX and XXXX on XX/XX/XXXX with a Washington DC Address where I have never lived, and it was used fraudulently to incur a debt of {$4100.00}. 

The account was delinquent, closed by XXXX in XX/XX/XXXX and I wasn't aware of it until it was sent by XXXX to a collection agency which tagged it to my credit on XX/XX/XXXX. 

I had no clue of all these happening until got a notification from my credit monitoring agency. I have since reached out to the collecting agency and XXXX to report this as Fraud.
Product: Credit reporting or other personal consumer reports

DATE : XX/XX/year> TO : Equifax Subject : Notice of Dispute Inaccurate Reporting Dear Equifax, I am writing to dispute the inaccurate reporting of my XXXX XXXX XXXX Account NUMBER # XXXX. This account is being marked as charged-off on a monthly basis, which is incorrect. SEE NOTICE OF DISPUTE LETTER ATTACHED BELOW
Product: Mortgage

I had a mortgage for with XX/XX/XXXXa subsidiary of SWBC, which was closed on XXXX XX/XX/XXXX after the sale of my home, XXXX XX/XX/XXXXXXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX I had notified them of my new address, XXXX XXXX XXXX, XXXX,XX/XX/XXXXXXXX, XXXX to send the escrow balance check for {$13000.00}. 

After 1 months of waiting and still no news of the check I started inquiring and finally on XX/XX/XXXX, after going through long hold at the end of a telephone and web inquiries, it was determined the cheque was mailed to my old address where I do not reside. I had mail forwarding till XXXX, so even if the check was sent to the old address I would have received it. Finally, I was told on XXXX another check was sent to my new address, but I am yet to receive it and currently unable to reach anyone at XX/XX/XXXX either via email nor phone. It is out of desperation that I am reaching out. 
Impacted by the COVID crisis I lost my job, which led to me selling the house, hence not in a great position. I need this money badly, hence requesting a wire transfer with a compensation for the agony these guys have put me through.
Product: Debt collection

I disputed this debt in XX/XX/XXXX and asked for debt validation including the original creditor, account numbers, etc. Under the FDCPA, they were required to respond in 30 days. I never heard back from the company, so I followed up in XXXX of XXXX. I still got no response from the company. In XXXX of XXXX, I received a letter claiming that I owe them. When I responded, I asked again for debt validation, in the same manner, I did before. I heard nothing back from the company. Today, they've texted me with an automated system, which they never got permission from me to do. There was a notice in the text message, which I did not look at because this has been dealt with back in XXXX because they failed to timely validate.
Product: Credit reporting

Experian.Com has reduced my XXXX and credit score to " Poor '' based on an account that has been closed since XXXX which has recently shown up on my credit report as unpaid. The account shows that it was opened in XXXX XXXX with XXXX but I have not had an account with XXXX and I do not owe them for past services. 
XXXX has billed me {$480.00} for an account they claim was opened on XXXX XXXX XXXX. I have not been a XXXX customer since XXXX and my account was settled and closed at that time. XXXX is now claiming in error that I owe them for this closed and settled account. This bill was sold to a collection agency and has now hit my credit report and is affecting my ability to secure credit including a home loan. I have contacted XXXX but they have not been able or willing to resolve this issue. I am asking the CFBP to exercise it 's rights and duties under the authority of the XXXX and President of the United States to investigate this error in billing which has placed an undue burden on me and my family. The CFBP 's duty is to protect the consumer from such unlawful and unfair practices. 

I was made aware of this false and erroneous debt when I recently checked my credit report. I was never contacted by XXXX about this issue or this bill. This account needs to be expunged from mt credit report immediately as it is having an immediate and ongoing detrimental affect on my quality of life and ability to support myself and my family. 

Your prompt, thorough and corrective response is greatly appreciated and much needed, Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending my drivers license, and social security card to verify my identity. I request the security freeze to be removed from my credit profile because I cant access it online to file disputes, review responses or check my report. 
This is a huge hassle to me, I never asked XXXX to place personal fraud statements on the account or send them to other credit bureaus.
Product: Mortgage

Chase offers a XXXX guarantee if they do not close your home loan within 21 days. The loan was set to close on day 33 on XX/XX/year>. On XX/XX/year>, XXXX XXXX at Chase, she can be contacted at XXXX XXXX XXXX or XXXX, called me to advise Chase 's lawyer was nor informed of the closing date by the representatives handling my loan and, therefore, we could not close on XX/XX/XXXX. I reached out to one of the representatives handling my loan, XXXX XXXX XXXX, and she said that Chase did not have a lawyer via text message. In other words, XXXX did not even know Chase had a lawyer. Neither her or XXXX XXXX, a second representative handling my loan, informed the Chase lawyer of the closing date. XXXX XXXX instructed me that she was responsible for taking care of all the details leading up to the closing. She contacted me on XX/XX/XXXX and stated I was approved for the loan and we were ready to close. There was a glitch with the title, but it was cleared up on XX/XX/XXXX, and I have the paperwork to show the same. Therefore, since it is due to Chase incompetencies that the loan did not close, Chase should pay me the {$20000.00} guarantee.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : # XXXX, XXXX XXXX : # XXXX, has violated my rights. 15 U.S.A 1681 section 602 states i have the right to privacy. 15 U.S.A 1681 section 604 A Section 2 : It also states A consumer reporting agency can not furnish account without my written instructions. 15 U.S.A 1681c. ( a ) ( 5 ) Section States : no consumer agency may make any consumer reporting 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.A 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: Bank account or service

My daughter and I sold her car. We were careful to do everything in a public place including a location with video coverage. we were given a cashiers check for {$10000.00} made out to the man who was purchasing the car. He signed it over to my daughter, we have witness and video of this along with receipts. The check was taken to Chase Bank in XXXX Il, and deposited in her account. The cashier at the time said funds were available immediately. On the next day my daughters account said funds were available. On Saturday she called customer service to raise her point of purchase to {$8000.00} to purchase a car. This was approved by Chase customer service. Dealer did not want to run credit card because of charges. We went to XXXX XXXX XXXX branch of Chase to withdraw funds and a cashiers check. They refused us and said account must be placed on hold. We left and went to XXXX branch where we bank. There we were told it is Chase 's policy to not release funds on 3rd party cashiers check unless issuing party is present or can be contacted. This person is avoiding all calls, texts, from us, my lawyer, and the bank. Chase says money will be held indefinitely. This was presented at time of deposit. Cashier took the check and deposited it like nothing is wrong. If I had been told of this I would not have deposited it, I would have gone to issuing bank. 


us, my law
Product: Student loan

Last year I had an income based forbearance in effect due to expire XX/XX/XXXX. When the Trump administration delayed payments for everyone, only the interest accrual was affected & Navient sent a letter explaining how the interest would work and that was it. 

Since XX/XX/XXXX I've been getting harassing phone calls and emails from Navient demanding I either pay {$430.00} by XX/XX/XXXX or I reply " YES '' to an automatic economic hardship forbearance that will accrue interest to be added to my principal balance after the forbearance period is over ... which, according to them, will be in one month. 

According to the announcements made by the Biden admin and on Navient 's own website, I'm required to do nothing. The interest is supposed to be set at {$0.00} and payments voluntary, yet I'm being harassed daily to either pay or circumvent the 0 % interest guaranteed by Biden until XX/XX/XXXX by applying for this specific forbearance. 

I'm afraid to contact Navient at this point because I simply don't trust them. They are also trying to get me to pay " late fees '' that were forgiven by Sallie Mae in years prior, that suddenly popped up in XXXX. I've repeatedly asked for help with getting XXXX forgiveness only to be given " income driven '' deferment/forbearance instead. All of my loans are Government issued. I've never applied for private or school-sponsored lending.
Product: Checking or savings account

I am writing to file a complaint against Navy federal credit union regarding multiple overdraft fees that I have incurred despite of having insufficient funds when transitions were authorized. I was charged fee due too lagged posting charges and credit the issue aligns with the recent CFPB findings against Navy Federal for similar practices where transition settled for insufficient funds despite initially available funds I believe these practices are unfair and requesting an investigating to my account transitions
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report, which caught me off guard. I double-checked and refreshed my browser, thinking it might be an error, but the issue persisted. This situation has left me highly frustrated, and I demand a careful review of the documents I submitted to ensure its resolved quickly and permanently.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I emailed Upstart a Cease and Desist Letter to Upstart 's email address XXXX. They responded on XX/XX/XXXX acknowledging my request for all communication to be ceased. They stopped calling me for a week before they resumed daily phone calls on XX/XX/XXXX. 

On or around XX/XX/XXXX they mailed me a letter and on XX/XX/XXXX they sent an email. They are in violation of " The Federal Fair Debt Collections Act '' by continuing to call and email me.
Product: Money transfer, virtual currency, or money service

Dear CFPB, I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding unauthorized transactions on my Cash App account. On XXXX XXXX XXXX my roommate used my phone while I was away and made fraudulent transactions from my phone to themselves. I noticed several unauthorized transactions on my account that I did not initiate or authorize. Despite contacting Cash App 's customer support multiple times, I have not received a satisfactory resolution to this issue and my claim was denied in minutes with no real investigation from cash app. 

These unauthorized transactions have caused significant financial distress and inconvenience for me. I demand a prompt investigation into these fraudulent charges and request a full refund of the unauthorized amounts debited from my account. I also urge the CFPB to take necessary actions to prevent such incidents from happening to other consumers. 

I appreciate your attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX
Product: Debt collection

This is a collections account on my credit report that does not belong to me : Caine Weiner Account # XXXX Amount : {$170.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX XXXX XXXX in XXXX of XXXX, stating that there was an amount owed to XXXX XXXX XXXX XXXX. When we canceled our car insurance with XXXX XXXX In XX/XX/XXXX we were unaware of any unpaid balance. We did not receive any letters for a bill for an unpaid balance from XXXX XXXX, Nor did we receive collection attempts from XXXX XXXX. When I received the letter from XXXX XXXX XXXX I called their toll-free number, And explain to them that we were unaware of any unpaid balance due to XXXX XXXX and that I would have to contact them to get the details. Once I contacted XXXX XXXX I was explained that we were built in arrears, And that when we canceled the car insurance policy there was still a balance to be paid. I then called XXXX XXXX XXXX and settled the unpaid balance immediately, with the agreement and understanding that XXXX XXXX XXXX would not report any delinquent or due balance to any of the credit reporting agencies. 

In XXXX of XXXX, I noticed that XXXX XXXX XXXX had reported to XXXX, Experian, and XXXX, a collections account that had a {$0.00} balance I used XXXX, Experian, and XXXX 's Dispute process, To dispute the account information. XXXX has since removed the account from the credit report. 
However it still remains on the XXXX and Experian credit report.
Product: Debt or credit management

I enrolled with National Debt relief with the understanding that after six months on time payments I would qualify for a loan from a Company within the same XXXX  XXXX XXXX. Please note that National Debt Relief and XXXX XXXX are the same company but XXXX XXXX is just a separate division. From the moment I enrolled, I've asked what I needed to do in order to qualify for a loan. I was told numerous time that it happens at the six-month mark and depends on your on-time payments. I asked questions about is it based on credit and is based on accounts and on more than one occasion within the six months they told me it automatically happens and it's not based on any of these factors. On the six month mark, I was told I did not qualify and was not provided a response from National Debt as to why I didn't qualify. The only reason I entered the program is because I was led to believe after the six months I would qualify for a loan to settle my debts. I am passed the six month mark and I'm still not sure as to why I don't qualify. I've called and tried to escalate the matter or even asked for a refund of the fees and National Debt will not allow me. I feel that my concerns about misleading have not made it to the appropriate level within the Company.