23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Hello, I XXXX my college XX/XX/XXXX, and during my four years my loan service provider was Navient. I began my repayments after my grace period ( XXXX, 2016 ). Since that time, I have received mixed data for how much my monthly payments are to the point I believe it is actually illegal ( I ca n't find federal regulations on this, but, a loan provider should tell its customers how much they are being charged before actually pulling the money, right? That just seems like common sense ... ). Browsing through my loan account summaries and payment options, I get varying values of monthly costs, and the variance is HUGE, we 're not talking pennies. Depending on the web page I view ( I have screenshots, but am wary about sharing them online to the public ) my " current payment due '' ranges by over {$100.00}. So, for example, looking at my statements for next month, looking at XXXX different web pages on the Navient site gives me XXXX different payments, which range from under {$200.00} to over {$300.00}. I even receive email notifications from Navient that I assume are treated as invoices. Out of the XXXX emails I have received so far ( XX/XX/XXXX-XX/XX/XXXX ), only XXXX of those invoices has actually reflected the amount of money withdrawn from my account at the end of the month automatically. There 's no consistency, and I 'm left worrying if my loan provider will leave me overdrawn on my payment date each month. I contacted them directly about the issue ( after my bank account was drafted more than their email said I would be in XX/XX/XXXX ). Their response : " Unfortunately, we were unable to re-create the information you viewed online when you logged in to your account on XXXX XXXX, 2016 ''. Well, I can recreate the issue. I can recreate it every single time I log into my account! I also have bank records and emails to validate that Navient has made it difficult for me to understand exactly how much will be pulled from my account each month by large amounts of money. It 's not honest or fair, and I very much doubt it 's legal. Has anyone else experienced similar issues? Here are the XXXX places that I can currently view different amounts I " owe '' or will be charged as " auto payments '' on my account. There is no indication anywhere which of these values will be deducted from my bank account each month, as they all use generic verbiage : 1. After I log in to my Navient account ( under myaccount.navient.com ), if I scroll down through the Account Summary page, I am given payment value A under " Recent Payments '' -- it 's an orange value that is given status " Auto Pay '' and sites the time of next month 's payment due date. 
2. After logging in, if I click the " go to previous website '' link under " More Options Online '' I am redirected to XXXX, which appears to be hosted by Navient. Here, I am given payment value B under " Current Payment Due ''. 
3. From the site visited by ( XXXX ) above, if I click on " Take Action On Your Loans '' XXXX " Change Your Payment '', I find payment value C under " Total Monthly Payment Amount ''.
Product: Payday loan, title loan, or personal loan

Financed auto through Capital One Auto Finance. Insured car through XXXX XXXX XXXX. They will not talk to each other as neither can afford the time to go through the others phone tree. Neither can I ... When trying to put the two together to resolve title transfer from Capital One to XXXX XXXX both point the finger at the other saying they can not get what the need. I am help captive in the middle while Capital One charges XXXX XXXX late fees using my money. This has gone on since XX/XX/2019 and now XXXX. I just received letters from both asking for me to once again notarize documents that have already been notarized and sent in. Auto One says now there is another late payment fee. When I did reach them on the phone they want me to give my full SSN on the phone which I will not on the phone as they already have it. Told them I could verify last 4 digits and said they can not accept that. They have no interest in accepting anything as they can just keep charging off to XXXX.
Product: Checking or savings account

Citi Bank froze all my money, are refusing to talk to me, blocked all transactions ( deposit, account access, etc ) and are closing my account. I have gone into the branch. I have called customer service dozens of times. I feel completely helpless and tramatized. They never explained to me why they're doing this. I cant file any compliants. They are refusing service. And they are trying to collect a debt from me that doesnt exist. i have been a client with them for 15 years. I have abslutely no debt whatsoever. i have paid all my bills on time. i have been a very good customer. And suddenly all my money and account is frozen. i have extreme XXXX  not being able to look at my statements. i have XXXX  i will be charged late fees for my credit card bills. And i have no idea whats going on with my automated bills, and direct deposits. What they are doing to me is completely wrong and i would like some help.
Product: Credit reporting or other personal consumer reports

Und

er 15 U.S. Code 1692, the Fair Debt Collection Practices Act ( FDCPA ) aims to protect consumers from abusive debt collection practices, which can include invasions of privacy and actions that compromise an individual 's capacity to contract. The law acknowledges that abusive practices contribute to personal bankruptcies, marital instability, and job loss, thereby highlighting the need to safeguard consumer privacy and competence in contractual matters. When a creditor or debt collector communicates through consumer reports without consent, it can be considered an invasion of privacy. The FDCPA restricts debt collectors from using any false, deceptive, or misleading representations in connection with debt collection, which includes unauthorized use of consumer reports. By asserting your rights under this law, you can demand that such communications cease and that any damaging information be removed from your consumer report, thereby protecting your right to privacy and ensuring your competency to contract is not compromised.
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Debt collection

I filed a Fraud Affidavit Police report for Identity theft with all three major creditors for XXXX inXX/XX/XXXX. A fraud alert was added to all three credit reports to also include a freeze. 

XXXX sold the loan to NCB Management Services ( XXXX XXXX XXXX XXXX PA XXXX contact number ( XXXX ) XXXX They are reporting on the behalf of XXXX derogatory payments. 

I also reached out to NCB Management Services and explained that a Police Report was already filed inXX/XX/XXXX and that I provided the report to all three major credit bureaus as well. 

I have notified both the Creditor and XXXX that I have been disputed this as Fraud provided police report in XX/XX/XXXX. 

The issue at hand is that XXXX keeps selling the fraudulent account to other Debt Collectors and I keep getting harass about the same Fraudently Activity since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies below have reported inquiries onto my report and I have not given them the authority to do so this was under fraudulent activity authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Td Auto Finance XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This accounts was never late, please ensure that all information is correct.
Product: Vehicle loan or lease

I have a video of racial discrimination and anti trust. They also provided us another customers credit report and refused to give us our own report they pulled. Their reason for denial was them giving us XXXX XXXX report who has a XXXX credit score which I shouldnt know but XXXX XXXX and XXXX XXXX in conjunction are crooks.
Product: Student loan

I am filing a complaint with Navient Student Loan Service regarding my most recent payment dated XX/XX/2019. Their website under my account summary says I still owe {$95.00} for XX/XX/19. They also did not carry out my allocation request when I spoke to them on XX/XX/19.

OnXX/XX/19 I submitted a payment of {$1000.00}. The minimum balance due on XX/XX/19 was {$170.00} ( please see attached XX/XX/2019 pdf file ). 

I also called Navient on XX/XX/19 and asked them to allocate {$880.00} against Loan 1-01,  and {$110.00} against Loan 1-02. I was assured this would happen and that the website would update in 24 hours to reflect the allocation request. 

When I went to the website it says I still owe {$95.00} ( see screen snapshot from their website, pdf file Account Summary XX/XX/2019 ).
Product: Credit reporting or other personal consumer reports

Upon reviewing my latest credit report, I noticed that the specific credit inquiries your agency has recorded, which I have previously identified and reported as unauthorized, still demand immediate attention. I have already reached out to the below-mentioned entities, requesting the removal of these inquiries from their records and verification of their deletion from all credit reporting agencies. Although they have promised to address these issues, I am contacting you once more to ensure these inquiries are promptly resolved. Included with this communication is my updated FTC report, with reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I kindly request the immediate removal of these inquiries to avoid any negative impact on my upcoming mortgage application. It is crucial for my credit score to accurately reflect my financial responsibility. I would appreciate a detailed report on the actions taken to remove these inquiries within the next 30 days. Your swift resolution of this issue will be greatly appreciated. Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. 

FTC report attached. unauthorized and fraudulent inquries on credit report. block and remove the following unauthorized inquiries. 

Experian 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 or other personal consumer reports

" Your agency is in violation! 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 U.S.C. 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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$1300.00} XXXX - XXXX XXXX XXXX XXXX - XXXX {$10000.00} XXXX - XXXX XXXX  - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The bank is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of paid as agreed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof. 

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

This letter is in reaction to your recent allegation that the bellow items have been verified the accuracy of the account they are reporting under my name. Please be reminded that you will be required to give a description of the technique used to determine the correctness and completeness of these information immediately upon receipt of this letters. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account.
Product: Money transfer, virtual currency, or money service

My XXXX business has a PayPal account. I recently added functionality to our account to sell services through Paypal, and set up a temporary sales site to host a sale we are having. I wanted to make transactions easy for my customers, instead of using our regular management software, which requires them to set up an account, and go through a lot of steps. Paypal held our funds as a " new vendor '' saying that I needed to confirm my phone number ( which I did ), link and confirm a bank account and a card ( which I did ), and have at least {$200.00} in transactions ( which we exceeded ) as well as a certain number of transactions ( which we exceeded ). I called to ask if there was any way to expedite releasing my funds, and I spoke with someone who took information about my business such as the website, how much we expected to be bringing in, and the nature of my business. He said he was sending it to their back office. The next thing I know, I am being asked for every piece of paper my business has ever needed : incorporation papers, license or accreditation, financial paperwork, etc. AND that it would take them 5 days to review. I can not operate my business when ALL of the funds that are rightfully mine are being held. I seek help and relief.
Product: Credit card or prepaid card

XXXX XX/XX/XXXX, I informed Capital One that I was a victim of fraud amounting to {$1900.00}, on an unauthorized transaction. I called them immediately after the fraud took place, and, my husband also called them seconds later, when he saw this transaction was pending to our credit card account. We both told the Capital One asscoaites this was fraud, and asked them to not process it. The next day, it posted to our account. In the next three weeks we worked with their Fraud and Dispute departments. On XX/XX/XXXX, they sent me a letter ( see attachment ) informing me their investigation was complete, and that I would be covered by their {$0.00} Fraud Protection Policy. The money was credited to my account on XX/XX/XXXX. On XX/XX/XXXX, my account was debited for the full amount. They did not call us as to why this latest adjustment was made. On XXXX XXXX, my husbands account was credited, and later that same day, debited that amount ( we do not know why ). On XX/XX/XXXX they credited my account that amount, and on XX/XX/XXXX, it was debited again. Since the initial fraud transaction, they have manually credited and debited our charge card account 8 times for this amount.
Product: Debt collection

Yesterday XX/XX/XXXX I flied a complaint with your bureau for the second time against a collection agency ( National Recovery ) in whom is reporting a inaccurate debt of {$780.00} on my XXXX, XXXX  & XXXX credit report in which they claim I owe directly to them on behalf of XXXX. XXXX After showing proof to your bureau that I settled this debt with XXXX directly ( please see attachment ). National Recovery responded to your bureau with the following statement : NRA Group , LLC has received this complaint. As stated in the first CFPB complaint this account was reported to us as paid by the client on XX/XX/2020. It was updated to the credit bureaus on XX/XX/2020 as paid in full. It takes the credit bureaus 30-90 days to update and remove. If the consumer which to expedite this process he will have to contact them. However, National Recovery in both of my previous complaints continues to not honor my request in giving me a confirmation letter on their letter head stating that the account has been closed and they have sent a request to all three credit bureaus to remove this collection account.
Product: Money transfer, virtual currency, or money service

I am filing a complaint Cash App ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer 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, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation 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

TransUnion is reporting a former name that I have never used for financial purposes
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 violates the Consumer 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, their dispute resolution process was unfair and deceptive, as they did not comply with the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Resolution E. These actions have caused significant inconvenience and financial loss, and I seem appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name : XXXX XXXX Account NumbeXXXX : XXXX Amount : {$0.00} Date of Account : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not properly investigated the public record items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX  ACC XXXX not mine XXXX  XXXX not mine XXXX XXXX  ACC XXXX not mine
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau 1700 G Street NW Washington, D.C. 20552 Subject : Disputed Bill and Credit Damage Dear CFPB, I am writing to bring to your attention a serious issue related to an outstanding bill that has been inaccurately associated with my name. The bill in question, totaling {$XXXX}, does not belong to me, yet it continues to negatively impact my personal credit and various aspects of my life. 
Here are the key details : Erroneous Bill : I have never incurred any debt or financial obligation amounting to {$XXXX}. The display of this bill on my credit report is both unjust and damaging. 
FTC Report : I have already filed a report with the Federal Trade Commission ( FTC ) regarding this matter. Despite my efforts, the bill remains unresolved and continues to tarnish my credit history. 
FCRA Violations : The collection company, Central Portfolio Control, is violating several provisions of the Fair Credit Reporting Act ( FCRA ). These violations include : Accuracy : The bills inclusion on my credit report is inaccurate and misleading. 
Verification : I have requested verification of the debt, but the collection company has failed to provide adequate proof of its validity.

Harassment : Central Portfolio Controls relentless pursuit of payment, despite my dispute, amounts to harassment and violates my rights under the FCRA. 
Extortion : The collection companys actions border on extortion. They are attempting to coerce me into paying a debt that I do not owe, causing undue stress and financial hardship. 
I kindly request that the CFPB investigate this matter promptly. I seek the following remedies : Immediate Removal : The erroneous bill should be promptly removed from my credit report.

Corrective Action : Central Portfolio Control must cease all collection efforts related to this debt. 
Penalties : The collection company should face appropriate penalties for violating FCRA regulations. 
I appreciate your attention to this urgent matter. Please find attached relevant documentation, including my FTC report and correspondence with Central Portfolio Control. 
Thank you for your commitment to consumer protection. I trust that the CFPB will take swift action to rectify this situation
Product: Credit reporting, credit repair services, or other personal consumer reports

Company reporting 3 loans on my Experian report past due. I have made payment on time and 2 of 3 loans are paid off.
Product: Mortgage

I have requested multiple times once in XXXX, XXXX and XXXX for them to correct the 30 day late, reporting on my credit report and they have not yet done it. When we called yesterday to ask them about it I was told by XXXX that they did not have a record of the wire with the final disbursement for the loan which shows the wire was done on XX/XX/18.