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

I booked a round trip XXXX XXXX  through chase travel XXXX and charge it to my chase card. When I went through the booking process, it said economy which includes a free checked bag for the flights and even now in chase app, it shows economy. Ive attached s screenshots of the chase app where it clearly also says economy. When I checked into my flight with XXXX, it said basic economy which requires a {$35.00} fee for each of the flights. When I called chase, they said it was booked as basic economy. This is very misleading, as during the process of booking, it was identified as economy. I just now checked the receipt sent to me after payment which says basic economy, but when I booked it said economy.
Product: Credit reporting or other personal consumer reports

This letter is my final communication regarding your claim that the information below has been verified and that the information being reported by the furnishers is accurate. I have attached the 1099c for the account XXXX XXXX XXXXXXXX showing that you are reporting incorrect information. The account was paid and should have been removed per the agreement with the creditor. Not only are your furnishing incorrect information pertaining to this account, but you also failed to remove the account once it was paid. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. Please see the attached 1099c form as well as the dispute letter sent to you on XXXX which is dated and time stamped.
Product: Debt collection

I checked my credit and there is a collection from Diversified Consultants XXXX. XXXX XXXX XXXX FL XXXX. They didn't contact me in any way nor did they send me any correspondence via mail. It just appeared on my credit file on XX/XX/2018. I had this same issue 2 yrs ago with XXXX and it was deleted off my file once it was resolved due to no amount owed. I have sent them a certified letter to provide me with the original contract with my signature on it to validate this claim. This is required per the FCRA to report on my file or it's a violation of my Federal Right. Sec. 609 ( A ) ( 1 ) ( a ) and 611 sec. ( a ) ( 1 ) ( a )
Product: Credit card or prepaid card

I have a netspend prepaid card account that had been active for several years but over the last 6 months or so I have kept it dormant with a token balance remaining. Having forgotten about the account altogether, I was surprised to get an alert on XXXX XXXX XXXX about not only a purchase that was made using the account but that it gave me a negative balance on the account. I contacted the appropriate disputes department immediately, sent in the appropriate documentation and formal dispute letter while still on the phone with them and received confirmation that the documentation was received. They assure me they will " investigate '' etc. 

I called them today XXXX/XXXX/XXXX to followup on the issue as no provisional credit had been issued as promised within the XXXX business day designation ( XXXX and a half weeks have gone by! ). After being juggled around their call center for about XXXX minutes I finally just asked flat out to the supervising representative ( verbatim ) " So, is it NetSpend 's official stance on this issue to completely disregard Federal law as outlined in the XXXX act and consumer protections held therin? '' to which she replied almost triumphantly, and I 'm quoting here " Yes. '' and then continued to tell me the credit would be issued after the investigation was complete and there was no one she could put me in contact with regarding the issue. 

Finally, I decided to contact the merchant who processed the fraudulent transaction that instigated all this madness. They turned out to be a payment processing company who apologized immediately, confirmed that this was a fraudulent transaction among a string of them related to a specific client of theirs, offered to provide any documentation required to prove as much, and lastly ( and this is the funniest part ) that they have received no contact from Netspend regarding the dispute and in fact had reached out to them regarding a whole separate set of issues only to be stonewalled like the rest of us. What a joke! 

Alright, thats it. I have extensive documentation supporting all these claims, time stamped, dated etc. Please advise as to what would be most beneficial. 

Thank you for your time and attention to this matter. 

P.S. I imagine the issue will be resolved by the time you have a chance to act on this, and thats fine, I 'm not really interested in the monetary value at risk here, I am purely seeking moral restitution. 

Good luck!
Product: Student loan

Mohala has practicing a lawful tactics that make it hard to get in contact with them about my student loan forgiveness. I also transfer my loans to MOHELA ( XX/XX/XXXX ) because of the public loan forgiveness program, to be approved for it then since a letter telling me theres a possibility that I dont qualify. ( XXXX, XXXX ) which is only reason, I agreed to transfer my loans over to their company. Also I have XXXX interest rates on my loans, they put my account in administration forbearance ( XXXX, XXXX, XXXX ) I am still collecting interest every month for my loans, which is it resulting in affecting my credit. They are also being investigated, Because of some of these problems. the Mohala reports. XX/XX/XXXX, They also had XXXX XXXX dollars withheld from the education department. This has been a complicated experience.
Product: Student loan

I have a total of {$140000.00} in NJClass loans which go into repayment in XX/XX/XXXX. I have asked HESAA several times for some kind of help or relief and all I 'm told is there is nothing that can be done and that I need to repay the {$1700.00} a month for the next XXXX years. This is not realistic. I will not be able to live, eat and live while paying $ XXXX month for XXXX years. All I want and need is a manageable $ amount to pay each month and be able to live
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiry is unauthorized : On XX/XX/2020, XXXX XXXX  add a hard inquiry on my credit reports.
Product: Debt collection

I called them this year. When my bankruptcy was discharged they put this charge on my credit report. I called the company many times. You can only leave a message. They never called back to talk to me about the fraud. XXXXXXXX XXXX XXXX said they sold it it was no longer there problem. I didnt have any information on the account because it wasnt mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account : XXXX  XXXX # XXXX Account : XXXX XXXX # XXXX Account : XXXX  XXXX # XXXX Account : XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A States I have the right to privacy. 

15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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: Debt collection

XX/XX/2013 I filled out a loan application for a {$3000.00} personal loan from XXXX XXXX XXXX. About 2 weeks later I received {$500.00}. I contacted the company and when would I get the remainder and was told " once I paid the {$500.00}. '' I was told the payments were {$40.00} dollars a month for every {$1000.00} borrowed. I paid the {$500.00} in about a month and then received the additional that I had, initially requested. Everything was fine, I was making my payments on time and, sometimes I would pay more than required. I paid the balance to less than half of the total of {$3000.00}. To this day, I do n't know what happened, I do n't understand why this debt was sold or assigned to a collections company. I was never late, I never missed a payment and was never contacted that there was any issues with my account. I did not even know that the debt had been assigned to a collections company until my credit was pulled by a car dealer. On my report with XXXX it says that I have a collections to XXXX for {$2900.00} and on my XXXX it says I owe XXXX and I only know that it 's Profit Services Group because of the name and address listed for this company. I was never notified by XXXX financial that my account was in collections nor was I ever notified by Profit Services Group that I owed them or anyone for that matter. I do not believe that that is fair to just tarnish someone 's credit without verifying with them about a debt and allowing me the opportunity to remedy the situation before they ruined my credit. I did not receive a phone call nor any piece of mail advising me that I owe Profit Services Group {$2900.00}, of which, the original creditor I had never been late with. My person who wrote the loan up for me, on behalf of XXXX informed me that several others whom he had written loans up for had been complaining about XXXX XXXX and how they had started collections efforts on a client who did not cash their check and sent the check back, as well as, people whom he said had expressed horrors of being over billed. I assure you that I am not making this up. I am not trying to bad mouth the company neither. I would like this negative entry removed off of my credit report immediately and I do n't feel that I should have to spend money to hire an attorney because a collections company is negligent with their reporting. The amount is wrong nor did I ever go into collections. If they would have contacted me before they just blatantly lied to the credit bureaus, which is another issue, How can these people destroy peoples credit. I 'm almost XXXX years old and I work hard to keep my credit record clean. Please, do not think that I 'm angry with you all, I know that you have this forum here to try and help me resolve this. It is just that every time I think of how they negatively affected my credit it disturbs me. I pray that you can help me resolve this, thank you in advance for your time and assistance with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 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
Product: Payday loan, title loan, personal loan, or advance loan

I had contactedXX/XX/XXXX at last in previous weeks to set up a repayment plan, I was due to pay XXXX on XX/XX/24 and XXXX on XX/XX/24. I contacted them XX/XX/24 at XXXX and asked if I could set up a different payment method and was given my options. On XX/XX/24 I called at XXXX to pay off my loan but was told that I was not able to make any payments on my account and would be receiving communication in the mail by XX/XX/XXXX. I attempted to ask questions as to why I wasn't allowed to pay my bill off but they will not able to provide me with a response. My account is showing as " Account in Collections '' in which I am being denied the right to pay or told where or who else to contact. I have a right to pay my bills and I am being refused that right. If I am to wait until XX/XX/XXXX to receive further communication from them, it will continue to affect my XXXX XXXX and most likely occur further fees. So is there anyone who can provide me with a response as to why I am being denied the right to pay off my bill?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number ****XXXX. ( Please see page 2 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User to this account. They removed me as an Authorized User on XXXX  however, XXXX and Transunion have not removed this on my credit report. I have contacted the ( 2 ) bureaus to fix this issue, but I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Debt collection

A leasing agent stole multiple residents rent money in the form of money orders and disappeared. The leasing office then asked residents months later to double pay. We refused and requested from the courts to leave the property. We left and the leasing office put a whole year of a lease on my credit amounting to {$XXXX} when I wasnt the leaseholder nor was my household present in that apartment for a year later. When I lived there, rent was paid through a portal. If your rent was late, the portal wasnt available to you. My partner was paying through the portal when they doubled back on us. There is no possible way there should be a year of lease on my credit. That would mean rent wasnt paid from XXXX XXXX XX/XX/year>. I wasnt even living in the apartment of year XXXX. Even if they wanted to put the remainder of the lease on my credit it STILL doesnt amount to $ XXXX. Monthly rent in total was $ XXXX {$XXXX}. If they put the remainder of the lease on my credit its supposed to be $ XXXX {$XXXX}. No where near $ XXXX. I have proof there was fraud going on at that company. I have disputed this off my credit multiple times but it will not be removed. I called the debt collector and they told me they reached out to the company XXXX different times every time I disputed the debt but the company is non-responsive. They are refusing to give me the contract that proves I owe this money.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) Due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, thier dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Registration E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian with a dispute towards XXXX XXXX and XXXX XXXX XXXX. They sent me back correspondence saying it was verified two days later but never sent me how it was verified. I 've asked for documentation supporting these companies saying the accounts are verified and they have n't. I 've disputed these items multiple times and I keep getting the same results. <P/>XXXX says my balance is {$670.00} XXXX XXXX XXXX XXXX says I have three accounts for {$500.00}, {$320.00}, and {$350.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX car was ruled a total loss on XX/XX/XXXX and my insurance reached a settlement to pay Kia Motors Finance XXXX the complete value of my car. The check was issued on the XXXX of XXXX but its still being reported in my statements that I owe the bank which is affecting my credit score and I cant start looking for a car no banks will accept me. I reached out to both XXXX and Kia Motors and no issue has been resolved. I would like to continue to search for a new car but I cant because of the payment anc check not being processed
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX is reporting an account on mu consumer report with debt that is charged off since XXXX XXXX  XXXX i requested a copy of the 1099-c form that is required for a company to file for canceled debt to the IRS. A creditor must file a form 1099-c if ( 1 ) debt in the amount of {$600.00} or more is discharged ; ( 2 ) the creditor is an applicable entity ; ( 3 ) an identifiable event has occurred. the creditor must file the 1099-c the year following the Calander year when the qualifying year occurs. this form shows the amount of debt forgiven, and creditors must issue this form even if the debtor is not required to report the amount as income. attracted below is a copy of the response I've received from XXXX XXXX XXXX where they stated that their was no 1099-c form filed because i still owe a balance. according to the IRS every company that is reporting canceled debt over {$600.00} MUST FILE A 1099-C from. this company is in violation for reporting inaccurate information to my consumer report and is causing me extreme anxiety and is affecting my family and I. This company is not reporting correct information. i am in contact with a consumer lawyer and will seek litigation against this company as well as the consumer reporting agencies who are reporting this inaccurate information because they have also completed an improper investigation. I will be seeking {$1000.00} per violation. I have the right to a accurate credit report!
Product: Credit reporting or other personal consumer reports

I was an victim of identity theft. I did file Identity Theft Report with FTC, Report # XXXX and also a Police Report with XXXX XXXX XXXX, Report # XXXX. This information along with a copy of my Drivers License and SSN was sent to XXXX through USPS Certified Mail, Tracking # XXXX. 

This information was also uploaded online through XXXX Dispute portal. I have spoken to several XXXX Membership Team members as well. I also pay XXXX membership for credit monitoring $ XXXX. XXXX Membership # XXXX Even after several attempts to get the inaccurate information which is a result of identity theft to be removed, XXXX Membership Team nor the Fraud Department has done any corrections to my credit report. 

Unfortunately, as a result of this inaccurate information reporting by XXXX, other credit agencies such as XXXX and Transunion is also reporting this fraudulent inaccurate information. XXXX and Transunion has confirmed that they are reporting as for the information provided by XXXX. 

I am in the process of refinancing my house, due to XXXX reporting inaccurate information which is a result of identity theft I was denied the mortgage.
Product: Student loan

What is this complaint about? I just received an email on  XXXX   XXXX ,   XXXX   that I have a payment due. I did not receive correspondence fro m Navient indicating  that I had to make a payment.     : What type of problem are you having? I am still unemployed and I am uneligible for unemployment so I sent Navient an image of my unemployment account to proove that I dont have income coming.     : What happened? My  " Navient Accou nt states that I am late on and missing  XXXX  loan payments What company is this complaint about? The complaint is a bout Navient Wh o are the people involved?  XXXX   XXXX  an d Navient I w ould like all deragatory information removed from my account. Why doe s Navient have the nerve to mess up my credit report by sending me a late notice about my account and second I am not working.
Product: Mortgage

Fifth Third did not apply the funds properly to my house payments and {$5400.00} came up missing on XX/XX/XXXX i applied for the save the dream hardest hit funds to save my house and was accepted. XX/XX/XXXX save the dream payed a lump sum payment to fifth third bank then monthly payments till XX/XX/XXXX this i was told would pay me up to date with fifth third bank. that was not true fifth third bank did not pay all my escrow from all the money they received from save the dream funds and now fifth third bank tells me i have to pay for the missing Money of {$5400.00} lump sum or my house payment will increase {$630.00} for 12 months over top my regular house payments of {$1000.00} always included escrow increase to {$1600.00} for 12 months fifth third bank also told me 30 day before i had to start paying my house payments again i could apply for a loan modification to help me stay in my home once again not true XXXX XXXX office from fifth third bank called me wanting me to back out of the modification i told them no i was told that my house payment was going up {$630.00} more a month and he could not explain were the {$5400.00} disappeared at fifth third bank and sense they raised my payment from {$1000.00} to {$1600.00} i was told that he appreciated the over {$30000.00} that was paid to keep my home i was told if i could not afford the {$630.00} increase to get out of the home wanted to throw my family out on to the street XXXX scamming poor people and the state of Ohio by getting large sums of money pocketing some of the money then raising there house payment much higher and then throwing them out of there home with little or no intent to keep people in there homes. ( even though XXXX got there last pay XX/XX/XXXX my math i am paid up till XX/XX/XXXX?????
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 i was contacted by a debt collector named XXXXXXXX XXXX XXXX, was insistently harassing me, yelling at me during calls when i simply told them by law they are not allowed to call me before XXXX XXXX since i work in TX now, XXXX XXXX XXXX XXXX XXXX XXXX .They violated my right consumer right since they called me before the legal time which is XXXX XXXX, in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.In addition to that, they tried to collect a debt that already written off in taxes of the original company .By law any charged off debts sold to a collection agency, its a violation and illegal to charge off a debt then trying to retrieve the payment from it. Any charged off debts become a taxable income to me, therefore .Since the collection agency violated my consumer right, i request to delete the negative report from my credit file.Also i request to provide documents bearing my signature to validate if that account belongs to me.