23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX, XXXX, a rental application submitted denied based on inaccurate information contained in XXXX, XXXX XXXX XXXX XXXX XXXX consumer database. 

Although not registered with CFPB or the state of Maryland XXXX, XXXX XXXX XXXX XXXX XXXX referred in their denial letter doing business as a credit reporting agency but refused to follow the FCRA and validate allege debt. 

On XXXX XXXX, XXXX, I immediately reached out to XXXX tried to obtain a copy of my credit report. In addition, asked if XXXX was reporting a collection item in the amount of {$3200.00}, for FMS Financial Solutions dated XXXX XXXX, XXXX. 

FMS Financial Solution reported inaccurate, knowingly false information about in regards to an allege debt. FMS Financial Solutions failed to FRCA and notify consumer of allege debt and give consumer an opportunity to dispute and ask for the debt to be validated. 

All parties involved XXXX, XXXX XXXX and FMS Financial Solution refused to follow the FCRA and provide FMS contact information XXXX current address, account number, name of company that placed debt in collection.
Product: Credit card or prepaid card

This is a further issue with regard to complaint : XXXX IT APPEARS THAT CITIBANK IS ATTEMPTING REPRISAL FOR THIS COMPLAINT. 
CitiBank sent a letter received today indicating that they intend to issue a check for {$390.00}, which is {$33.00} less than what I am owed. The letter states that they are withholding this amount due to a disputed charge. Looking at my account record online, a 'reverse partial merchant credit ' item has suddenly appeared with a date of XX/XX/19, nearly one year ago. That item has not appeared on statements I have in my possession since I closed the account in XXXX. Upon further checking, it relates to fraudulent charges that I reported to CitiBank immediately upon discovering them last XXXX after CitiBank 's security system triggered an alert for a suspicious charge. They were made at a hotel in XXXX XXXX XXXX when I was in the United States. There were two, for {$140.00} and {$87.00}. I was half a world away, knew nothing of this place, and certainly had not authorized any charge. I made my report within minutes and the CitiBank rep indicated that another charge was being attempted by someone at the hotel in XXXX XXXX while we were on the phone, and I was in the US. This was clear fraud resulting from stolen information. CITIBANK POSTED THE REVERSAL OF CREDIT FOR THAT FRAUD SEVERAL DAYS AFTER I FILED MY COMPLAINT WITH THE CFPB. THIS APPEARS TO BE RETALIATION FOR MY COMPLAINT. Note also that they were quick to send this letter but no refund has been delivered so it remains unclear if they will be sending anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously provided Experian court documents demonstrating my name was changed from XXXX XXXX to XXXX XXXX XXXX. Experian continues to list XXXX XXXX on my Experian account, although that name has not been used since the court order. Additionally, I have not applied for credit under the name XXXX XXXX since the court order.
Product: Credit card

My Amex Serve debit card has a balance of {$300.00}, the card expires in XX/XX/year>. It's XX/XX/XXXX. 
The automated system for Amex Serve does not have live representatives ; I've called dozens of times and am prompted to register my new card for activation. I have not received a new card. The system is not recognizing my current card. For the last four days I am unable to access my money. 
I then called and spoke with a representative for American Express who do not deal with debit cards like Amex Serve, they connected me to the Amex Serve gift cards department for some reason and I could not be helped there either. 
I need to access my funds for medications and food. The basics. It's been four days.

Amex Serve is not taking responsibility for the lack of integrity of their automated customer service ap. I've been unable to even update my email address on the ap, getting an " oops, we're experiencing technical difficulties '' for weeks now. 
I want to be able to XXXX. Withdraw my {$300.00} from an ATM like normal. XXXX. Then close my account, and, XXXX begin using a debit card from a different company. 
I need to keep food on the table and it's getting urgent. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, LA, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is still reporting to Equifax when I have the deletion letter that they have sent me on XX/XX/2018! I have faxed this deletion letter to Equifax showing proof but they told me XXXX XXXX was still reporting! If this does not get fixed I will be taking XXXX XXXX and Equifax to small claims for damages!
Product: Debt collection

Back in 2020, I had a collections show up for XXXX XXXX  that I have disputed in the past with another collections agency. The account was removed and deemed fraud. I have never ever had XXXX XXXX  in my life. Since I have found out about this account in 2020 I have made all steps to protect my credit against fraud, using multiple companies to alert me of anything that appear or if someone tries to use my credit. I pay {$450.00} for 3 separate services monthly. As soon as this hit my account, I was made aware. I was never sent a letter from this company before they abruptly added false and fraudulent information on my credit. To date, the company has not been able to produce anything with my signature stating I agreed to any such services or agreed to pay any amount. The last information was when it was removed after filing a report here and it was marked as fraud with XXXX XXXX. This is causing me extreme XXXX  just as I started getting my life back to normal. It came at such a surprise, I had to leave work and come home. This is not good for my health right now. I have also contacted my attorney in regards to this. I want this company to remove this off my account immediately as it is not my account and I never agreed to any services with this company nor did u sign any contract signing up with this company. The amount of this account is rather significant for cable TV which is another concern for legit consumers. If the account isn't removed, I will be taking steps for damages not only to my credit but my mental and physical health as this is fraudulent 100 %
Product: Student loan

Two attempts were made in previous years to apply for the Student Loan Debt Forgiveness program. Based on my understanding of rules regarding this program, I should have qualified for debt relief of up to {$17000.00} because I satisfied the terms of the program ( I was a XXXX XXXX in a XXXX XXXX XXXX for a period of 5 years with no break in service ). However, I was denied forgiveness on both occasions and was not given clear rationale or information on how to dispute the decision.
Product: Credit card or prepaid card

I have reported fraudulent, unauthorized international and local charges made to my credit card, however, it has been over four months and the charges still remain on my account and are incurring interest charges daily. Although the credit card company ; XXXX XXXX XXXX has issued me a new card, the charges still remain on my account. I've sent them an email, I have spoken to customer service several times but nothing is being done to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with Equifax and XXXX  regarding incorrect information. Numerous Disputes have been submitted They each have duplicate accounts which is damaging to my credit. I have requested this to be fixed but each time I contact I just end up with a new dispute and never a resolution. I have duplicate auto loans and duplicate collection accounts.
Product: Debt collection

I married my wife on XX/XX/XXXX. I had only known her for a year prior. I bought my house before I met her in XXXX of XXXX. She not listed on any mortgage statements of utility bills at my residence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My wife incurred credit card debts that were sent to collections and then purchased by Johnson Mark LLC. XXXX XXXX XXXX 

With out any knowledge or consent they placed an illegal lien on my home to collect on her debts even though the home does not have any ties to her as it is solely in my name. Holding me responsible for the debts of someone I did not even know and the debt was sent to collections years before we met. The subsequent illegal lien has cost me thousands of dollars due to denied refinancing loans/cash out equity options. I reached out to Johnson Mark LLC. And they refused to correct their illegal procedure regardless of how illegal their actions were.
Product: Credit reporting or other personal consumer reports

Experian placed a collection on my credit report that was from Experian. Ive never owed Experian and Ive never borrowed from Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for PROOF of " validation of a XXXX  XXXX bankruptcy I keep being told that it has been verified, yet I have failed to receive any PROOF. My rights are being violated per 15 UCS 1681b -Permissible purpose of consumer reports it states " in accordance with thw written instruction of the consumer to whom it relates ''. I have never provided any type of written instructions with my WET signature for this to report. You are furnishing a consumer report without the consumers consent. You all are disclosing PRIVATE information such as name address, social security number, etc. This is violation of 42 USC Sec. 408 The ONLY " Bureau '' is the CFPB per 15USC 1602 Per law you " XXXX and XXXX and any other third party reporting agency '' is considered an AGENCY I have not given you permission to furnish nor report a bankruptcy violating my privacy. Per FCRA I have the right to have inaccurate, incomplete or unverifiable information deleted by a CRA. You all are putting me at risk for identity theft by displaying my PERSONAL info that I did NOT authorize with my WET signature. Again NO COURT in AMERICA reports this info to you. You STOLE it from a database that I didn't authorize you to report on my behalf, putting me at risk. These are only a few laws that have been violated. I will also be reporting this to the Attorney General, FTC, and the FCRA. I also have my evidence that I have tried on multiple occasions to rectify this problem with you. With them I will be stating EACH law that has been violated and seeking damages per each violation.
Product: Debt collection

I received an alert from XXXX  that my credit score had decreased. When I logged in to try and figure out why, I noted a collection from Midwest Recovery showing an opening date of XX/XX/2019 and non payment each month thereafter. The original creditor was XXXX XXXX in which I have not had an account with in over 15 years. This collection company is attempting to destroy my credit and is succeeding by reporting false information. They have simply re-aged a very old debt to make it look as though I opened a new account and fail to pay. I disputed this twice with XXXX and they have failed to remove the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrect info on my reports 1.XXXX XXXX XXXX XXXX 2019 says missed payment. ( i was never late } 2. XXXX XXXX XXXX : stated XXXX 2019 says missed payment. ( i was never late }
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a student loan reporting in my credit report for {$170000.00} from XXXX, account number XXXX .... The issue is that I never went to college and never applied for any student loans or co-signed for anyone. I have been disputing this account with XXXX, Experian, and XXXX  since XX/XX/2020 - requesting that they contact XXXX and have them provide me with documentation proving this debt is mine ( a copy of the original contract with my information and signature on it ). I have yet to receive one response back from any of the credit bureaus or XXXX. I sent dispute letters for this account to the 3 credit bureaus and section 609 request letters to XXXX on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 but, still no response. This is crazy!
Product: Credit reporting or other personal consumer reports

Today on XXXX XXXX, Experian responded to the complaint filed XXXX months ago in XXXX regarding my request to remove XXXX XXXX XXXX from the XXXX report on the Experian account. They do not pay attention to the complaint, and state that the account does not show on Experian.
Product: Debt collection

Issue originated when my credit card used for automatic monthly payment was declined due to a fraud alert. Not 2 days after card was declined XXXX  charged a 30 % fee for the decline which is outright fraud given I was not even afforded a grace period to get the new card and update. The real issue is however when I had to pay a certain lumpsum ( {$700.00} total ) to terminate my contract with them but still need to pay the facility the ongoing monthly tuition? My lumpsum payment are pre-paid tuitions and should be either applied to upcoming tuition or restituted to me. 

Please also note business has multiple complaints with the XXXX XXXX XXXX along with extremely negative reviews suggesting foul business practices on XXXX.
Product: Student loan

The complaint is against Mohela, the federal student loan servicer. 

I have made 120 qualifying payments to qualify for public service loan forgiveness. 115 of these payments have been previously certified. I submitted my paperwork for forgiveness on XX/XX/2023. They estimate a 90-180 business days for processing time, which is about 7-8 months. They freely admit it takes only a couple days for the agents to process the paperwork, but they dont have enough agents to process the paperwork. The wait time to have my paperwork assigned to an agent is 90 business days, and then it could take them another 60-90 business days to get approval from the department of education. These delays are unacceptable for straightforward paperwork processing. Whats more, due to student loan forgiveness requirements, I have to be at my qualifying employer at the time the loans are discharged, which means that I am not free to change jobs at any point during this long wait time, lest I risk not qualifying.
Product: Student loan

In XXXX, I became unemployed and had difficulty finding full time job for the next four years. Thus, I was constrained to obtain 4 private loans with XXXX XXXX, now Navient, during the time my eldest son was attending XXXX XXXX XXXXXXXX XXXX in the following amount : 1 ) {$20000.00} disbursed on XX/XX/XXXX under loan number ending in XXXX 2 ) {$10000.00} disbursed on XX/XX/XXXX under loan number ending in XXXX 3 ) {$30000.00} disbursed on XX/XX/XXXX under loan number ending in XXXX 4 ) {$30000.00} disbursed on XX/XX/XXXX under loan number ending in XXXX. 

Please note when these loans were obtained, the XXXX XXXX representative did not disclose that these loans would be considered private loans and not backed by the federal government. I believed then that these loans were parent loans since having a student in college was an eligibility pre-requisite. 

The first three loans were already paid off as follows : 1 ) Loan XXXX was paid off on XX/XX/XXXX for a total of {$42000.00} 2 ) Loan XXXX was paid off on XX/XX/XXXX for a total of {$32000.00}. 
3 ) Loan XXXX was paid off on XX/XX/XXXX for a total of {$63000.00} These first three loans were paid off with the help of my eldest son as he was able to obtain a fixed rate of 6 % interest rate being in the military. 

The fourth loan, XXXX, Navient said I still owe over {$53000.00}. However, upon analyzing the payment history during the life of the loan, it showed that a total of {$39000.00} has been paid as of XX/XX/XXXX when I had to stop the automatic payment because I have been experiencing financial difficulties due to many health issues for an aging XXXX old, on fixed income, and widowed. 

I have asked Navient for a reconsideration on the loan converting it to a fixed interest rate, but I was declined. They recommended that I apply with another financial institution who can offer a fixed rate. I tried that as well with XXXX, the company Navient recommended. I was also declined. 

In my last phone call with Navient representative in late XX/XX/XXXX, I tried to ask again for any affordable options to make payments, such lowering the interest rate. I was told they could not do anything about it. Hence, I asked for a department head I could write to file a complaint and seek total relief from the loan as I believed loan ending in XXXX has been paid for, principal and interests. 

Most recently, I read an article that Navient made a settlement to forgive student loans in the amount of {$1.00} billion, and another {$1.00} billion in private student loans, primarily those with subprime loans. 

In the same article, I read that the Consumer Financial Protection Bureau is also assisting borrowers who have experienced harmful and deceitful lending practices. I understand there is a pending lawsuit against Navient. Hence, I am seeking your help.
Product: Debt collection

I recently discovered an account on my credit report for which I have not received any information. I have started an investigation with XXXX and would also like to start it here. I did not receive any information informing me of this debt from the collection agency, and it says it has been with the company since XXXX 2015.
Product: Debt collection

On XX/XX/XXXX I was sent a collections letter from Credit Control LLC stating I owed over {$10000.00} to XXXX XXXX XXXX  for a credit card opened in XXXX XXXX XXXX I immediately sent a debt verification letter and requested several documents including original signatures be sent to me. The only information provided was a statement of charges. Someone in Delaware opened a business account in my name and charged over {$10000.00} in California and Massachusetts. I do not live in any of these states. It was also opened in a surname I have not gone by in XXXX  years! I have evidence to support my whereabouts on these dates as well. I followed the guidelines on the FTC identity theft website and have been denied by XXXX XXXX XXXX because I can not provide them with the articles of the business. I can not provide something I do not have! I was also informed the thief opened XXXX additional accounts in my name including a checking account which they still can not provide me with a signature or the employee who opened this account.I have also never received anything from XXXX  XXXX XXXX saying I owed them anything when these accounts defaulted. They will also not provide me with information or what is charged on the other XXXX accounts. It is clear that I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 Subject : Dispute of Identity Theft and Request for Removal of Fraudulent Accounts I am writing to bring to your attention a case of identity theft that has resulted in fraudulent accounts appearing on my credit report maintained by your bureau. As a victim of this crime, I kindly request your immediate assistance in investigating and removing the following unauthorized and inaccurate items from my credit report, in accordance with the provisions of the Fair Credit Reporting Act ( 15 U.S. Code 1681c-2 ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681b ) : Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$540.00} Inaccuracy : This account is not mine, and it has been opened fraudulently using my personal information without my knowledge or consent. I request that you take immediate action to remove this account from my credit report and provide me with any information you may uncover regarding the perpetrator. 

Account Name : U.S. DEPARTMENT OF EDUCATION Account Number : XXXX Amount : {$5300.00} Inaccuracy : I have never had any dealings with this creditor, and the existence of this account is a result of identity theft. I ask that you thoroughly investigate and remove this fraudulent account from my credit report, along with any associated negative information. 

Account Name : U.S. DEPARTMENT OF EDUCATION Account Number : XXXX Amount : {$4200.00} Inaccuracy : This account was opened fraudulently in my name, and I have never been a customer of the mentioned creditor. I urge you to take immediate action to remove this fraudulent account from my credit report and initiate an investigation into the unauthorized use of my personal information. 

In support of my dispute, I have enclosed copies of the identity theft report I filed with the relevant authorities, as well as any additional documentation substantiating my claim. I request that you conduct a comprehensive investigation into these matters and provide me with a written response within the timeframe stipulated by law. 

As mandated by the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), I expect you to promptly contact the respective creditors and verify the fraudulent information. It is imperative that you take all necessary steps to ensure the complete removal of these fraudulent accounts from my credit report, as they are tarnishing my creditworthiness and causing significant distress. 

Moreover, I urge you to implement appropriate security measures to prevent the re-reporting of these fraudulent accounts to any third parties, as this could perpetuate the harm caused by the identity theft. I request that you keep me informed in writing of the actions you have taken to address this matter. 

I appreciate your immediate attention to this dispute and your commitment to upholding consumer rights. I trust that you will handle this case with the utmost professionalism and in strict compliance with applicable laws. I look forward to receiving your written response within the statutory timeframe of 30 days.
Product: Checking or savings account

On XX/XX/XXXX I took a trip to XXXX XXXX and landed at the airport where I took a cab ride to my hotel. I swiped my card on a card reader provided to me by the cab driver. The cab driver then stole my phone but I got it back along with my card. I go t dropped off at my hotel only to find that he charged my card for {$330.00} instead of the {$40.00} he agreed to charge me for. Hours later, a second charge came onto my card for another {$330.00} totaling to {$660.00}. I called Bank of America when I had phone signal and reported the fraud claim on XX/XX/XXXX. They told me they would investigate the claim and I waited from XX/XX/XXXX until XX/XX/XXXX. Within that time frame I also called twice to escalate the issue as the claim was taking a long time and I needed my money back. On XX/XX/XXXX I got a notification from Bank of America that my fraud claim was denied. 
On another note, if you look at the transactions which I made the claims about, it says XXXXXXXX XXXX XXXXXXXX which is XXXX XXXX. I was never in XXXX XXXX, I was in XXXX. This is something I would have expected the Bank of America claims research team to recognize however they did not. It seems that not thought or care was put into this investigation. I have attached a screenshot of my bank account with the XXXX separate transactions for {$330.00}. Another point to my claim is that my card was only swiped once and somehow I was charged twice. This is something else Bank of America has failed to recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 staes I have the right to privacy.

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

15 USC 166b : a creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.