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

on the above date we booked a round trip flight from XXXX to XXXX leaving XX/XX/20 and arriving back to XXXX on XX/XX/20 -XXXX XXXX record locator XXXX. All fees associated with flight have been returned except for this {$80.00} Booking fee. To be sure XXXX XXXX cancelled this flight and in numerous conversations they claim that the {$80.00} Customer Service fee is non refundable! When we discovered in XX/XX/20 that XXXX had cancelled the flight we requested all funds back. As we initially received nothing we did a detailed dispute with Barclays ( Bank ) and we rcv 'd most of our expenses back but not the {$80.00} fee for XXXX Booking Fee for  this flight. 
My complaint is against Barclays Credit Card-acct ending in -omitted but available ( XXXX XXXX Master Card  ). As evidenced in the attached documents this Barclays credit card has failed to consider our claim of theft of services by XXXX XXXX. In their two rejection letters of XX/XX/20 and XX/XX/20 they cite frivolous and non relevant justifications : a computer chip and a need to " ... dispute closer to the receipt date ''?????? makes no sense the plane was due to leave in a few weeks. what are they talking about?? 
Barclays customer service was polite but abusive e.g., e mails - directing us to call disputes at Barclays to disabled phone numbers. Although polite they demonstrated no insight or objective review of claims by the Airline that they ( XXXX and Barclays ) were entitled to payment on a flight they booked AND CANCELLED solely by XXXX. To be clear all calls to Barclays disputes ended with a computerized hang up-they have been a nightmare. That is the staff at Barclays-Disputes-failed to protect us from fraudulent billing by XXXX XXXX -theft of services.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Subject : Cease and Desist Notification under Section XXXX of the FDCPA To Whom It May Concern, I am writing to formally request that you immediately cease all communication with me regarding the alleged debt associated with account, as provided under Section XXXX ( 15 U.S.C. 1692c ) of the Fair Debt Collection Practices Act ( FDCPA ). 

Section XXXX of the FDCPA clearly prohibits further communication concerning the debt, including any communication through written correspondence, phone calls, emails, or other mediums, as defined by Section XXXX ( XXXX ). This includes indirect communications, such as updating or reporting information about the debt on my consumer credit reports. 

Additionally, as this debt is either inaccurate, unverified, or no longer valid, I am requesting that you delete any record of this debt from all consumer reporting agencies to which you have reported it. Failure to do so would be a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ). Continuing to report an unverified or disputed debt after this notice can be interpreted as harassment and an unfair practice under federal law. 

I demand that you : XXXX. Immediately cease all communication with me regarding this alleged debt. 
XXXX. Remove the debt from all consumer credit reporting agencies where you have reported this information. 

You may only contact me to inform me of your intention to either cease collection activities or to pursue specific legal remedies, as permitted under Section XXXX ( c ) of the FDCPA. Failure to comply with this request or the deletion of the debt from my credit report may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and other legal actions to enforce my rights under the FDCPA and FCRA. 

Please confirm your compliance in writing within XXXX  days of receiving this notice. 

Sincerely, XXXX XXXX
Product: Debt collection

Hello, I have noticed that the debt on my credit report keeps increasing. I have called multiple times for verification and have not received calls/emails/mailed correspondence. The debt began at {$350.00} the {$510.00} and now {$590.00} for maintenance dues for timeshare that I have not owned in more than a year and yet the debt continuously increases. The company has not sent any correspondence though I have asked for verification. I have called multiple times reaching out to Mr. XXXX and each time was unavailable and did not verify the amount or validity of the debt which I stated if verified I would pay, This has not been provided.
Product: Debt collection

I am submitting this complaint regarding NCB Management for their violations of consumer rights. Notably, NCB Management has been found in violation of consumer protections in cases such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( C.D. XXXX. XXXX ), where XXXX was found to have violated the FDCPA by engaging in deceptive practices, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXXXXXX ), highlighting the companys repeated issues with consumer rights. These precedents further underscore their pattern of misconduct. 

Upon reviewing my credit report, I discovered that NCB Management has placed an account on my credit report that was not verified as belonging to me. I have not received any prior notice or opportunity to dispute this alleged debt. This action constitutes harassment, defamation of my character, and an outright violation of my rights. NCB Management is collecting on behalf of Continental, further infringing on my rights.

Additionally, my private information has been improperly shared with NCB Management, further compounding these violations. I demand that this account be immediately removed from my credit report and returned to the original creditor. The presence of this account on my credit report has caused harm to my reputation and subjected me to unnecessary distress.

Please note, I am not requesting verification of the debt, as the required verification should have been completed prior to placing this item on my credit report. 

I urge NCB Management to cease all collection efforts, remove the account from my credit report, and comply with all applicable laws and regulations.

Furthermore, NCB Management has violated the following FDCPA provisions : 15 U.S.C. 1692e : Prohibits false or misleading representations, which NCB Management has engaged in by reporting inaccurate or unverifiable information.

15 U.S.C. 1692f : Prohibits unfair or unconscionable means to collect a debt, which includes improper sharing of my personal information.

I am requesting a prompt investigation into this matter and expect confirmation of corrective action within 30 days. Should NCB Management fail to address these issues, I will pursue further legal and regulatory actions to protect my rights.
Product: Checking or savings account

Citi B ank advertised in  XXXX   XXXX  that it will give {$400.00} bonus to a customer who deposits {$15000.00} into a new  Citi B ank checking account. The bonus will be rewarded within 90 days. I opened a checking account with  Citi i n  XXXX , deposited {$15000.00} on  XXXX   XXXX ,  XXXX . The bonus is supposed to be deposited into my account on  XXXX   XXXX ,  XXXX . I called the bank many times but as of today,  XXXX   XXXX ,  XXXX , the bonus {$400.00} was not there yet. Because I have to work as an   XXXX  for  an   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX , I do n't have time to follow up on this matter. I happened to know th at Citi B ank has done the same for many others until the customers complained to CFPB, then it turned around to say they could not verify customer account, but after a few days they went ahead to pay.     M y Citi  account number is  XXXX .
Product: Debt collection

On XX/XX/XXXX, I sent a certified letter to company requesting that they validate the debt ( {$550.00} ) by sending me a copy of the original contract/agreement bearing my signature acknowledging the I consented to paying a debt to the company. I requested that the company respond to me within 30 days as it is my right under the FCRA and the FDCPA. 

The company has not responded to the request as of XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I used CASHAPP To send XXXX. 
On XXXX XXXX XXXX I was contacted by XXXX XXXX on XXXX. She told me of a platform that she was in and if i put in {$100.00} in XXXX hrs i would get {$500.00}. When that time came i was told i had to wait until I was {$1000.00} invested. Every time I should have been able to get money there was another reason they would not give to me. This group was called XXXX XXXX XXXX. Then a woman by the name of XXXX XXXX contacted me saying to leave that group and she will help me retrieve my money. She said her group is XXXX XXXX. She was probably the same person looking back. Im sure my money all went to the same people. It was the same thing. Add more money and they promised me I would get my money that was due to me. Im on XXXX and I am XXXX years old. I needed this money badly. I barrowed and the total due to me is {$19000.00}. These people got mean and nasty to me. They called me names and said how stupid i was and belittled me because I didnt understand. I was told no way can this be a scam because it was binary trade. I tried contacting cashapp to get my money back and they are not responding. The purpose of this scheme was to target people such as myself that has no idea what they are doing to steal from me using fraudulent representations. I have a letter written out to you but I cant copy and insert it. Someone is trying to help me with this as I am devistated. They stole all my money and then some. I have all of the individual withdrawals to them if u need them. Please help me to get my money back.
Product: Mortgage

I had escrow money owed to me from a home in XXXX California. A check amount payment of {$1900.00} was sent to me along with a bunch of paperwork by Aurora Lending. The check was package in such a manner that it made it hard to see there was a check in the heap of paperwork. I kept the paper work for future use. As I had to move due to the pandemic unemployment eviction, I was going through old mail and found the check. I can not cash the check because its too old now. I have reached out Aurora for a reissue of the check as I desperately need the money. I have not received any pandemic relief since XX/XX/2020. Aurora will not return my calls so I am filing a complaint in hopes of recovering monies owed to me. 
Company in the complaint : Aurora Bank  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tel-XX/XX/XXXX XXXX XXXX Fax - XXXX XXXX XXXX
Product: Student loan

I have a private student loan with navient and I sent them to checks last month in XXXX from two separate checking accounts and they seem to have lost both checks. Neither one has posted to my student loan however both have cleared through my checking accounts. For both accounts when I look online it looks to be paid to Sallie Mae, not to navient. I have called navient multiple times and no one can answer my question as to where my money is. I also called Sallie Mae although I do not and have not ever had a loan through them to have them look as well. The first check I wrote is from XXXX XXXX, check number XXXX for {$450.00}. The second check was from XXXX XXXX XXXX, check number XXXX for {$480.00}. My account number with navient is XXXX. Since getting my student loan I have gotten married in my name is changed from XXXX XXXX to XXXX XXXX but navient still has my name is XXXX XXXX.
Product: Credit reporting 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. 

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  and list of Inquiries 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I mailed off letters disputing negative information found on my credit reports. It's been more than 30 days and I still haven't received any information in regard to the the account 's disputed. I am aware that credit reporting agencies have 30 days to respond to disputes but TransUnion has not followed up with me in a timely manner. Therefore I'm submitting this complaint in hopes to having my issue be addressed and corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and noticed inquiries that I didn't authorize nor did I sign any documents to allow these creditors to access my credit profile. Here are the following unauthorized inquiries... 
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 or other personal consumer reports

I am writing to formally lodge a complaint against Experian regarding their continued failure to remove incorrect addresses and inaccurate information from my credit report, despite my repeated attempts to resolve these issues over several years. 

I am a victim of identity theft and was also affected by data breaches from XXXX major companies, which exposed my personal information. Unfortunately, I am not someone who frequently checks my credit reports, and I only discovered the extent of the theft years later. 

Upon discovering the issue, I submitted all necessary documentation, including a police report, to Experian. However, at the time of submission, the police report did not contain a complete list of the fraudulent activities or addresses associated with my identity theft. 

Despite providing sufficient evidence, Experian has failed to act in removing the incorrect addresses from my credit file. For clarity : My only valid address is : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX My only valid name is : XXXX XXXX My only valid contact number is : XXXX All other names, combinations of my name, addresses, and phone numbers listed on my credit report are incorrect and must be removed immediately. I have noticed completely fraudulent phone numbers attached to my credit report. 

Additionally, my data was breached through XXXX, Experian, XXXX XXXX, XXXX XXXX XXXX, XXXX, where my address, name, Social Security number, and email were exposed. 

I am requesting the CFPB 's assistance in ensuring Experian complies with the Fair Credit Reporting Act ( FCRA ) and takes immediate corrective action to remove these fraudulent entries from my credit file. 

Thank you for your time and attention to this matter. I look forward to your prompt assistance in resolving this ongoing issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud. Also I have a consumer statement on my report victim of fraud The following companiesXXXX  XXXX Experian XXXX XXXX are giving unauthorized and inaccurate information. Also I have filed these complaints and disputes numerous of times. I did not authorize I did not give any of these creditors access to my report I ask that they remove these following inquiries. I will allow 30 days for my account to be updated. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX I have contacted the credit bureau on several occasions.
Product: Debt collection

They are trying to charge me utilizes that were included with my rent and on lease. After an incident, in retaliation, they tried to charge me with all kinds of misc. charges and evictions. XXXX XXXX XXXXXXXX XXXX XXXX even provided they with the facts and even had a XXXX XXXX XXXX help me well they were figuring out the mix-up. I ended up moving and didn't have access to mailing and discovered they were still and kept my deposit will no proof of the charges in detail.
Product: Vehicle loan or lease

Loan amount of $ XXXX ( +/- ) was funded XXXX. Amount included Title, Tax and Registration fees. Dealer collected fees as well and submitted paperwork to the County while Bank of the West has made no effort to release remaining funds needed to issue plates. 

The Temp plates issued upon purchase on XX/XX/XXXX expired after 30 days. Numerous attempts to have BofW release the funds have gone unanswered. I supplied BofW with a statement from the XXXX detailing the remaining amount due to register the Class A Coach ( Motorhome ).
Product: Credit reporting or other personal consumer reports

XXXX account NUMBER : XXXX with a balance of {$4600.00} was opened by fraud and shall delete from my credit report by LAW. 
I been received phone calls for a bill not owed. 
Delete this inaccurate account from my credit report.
Product: Debt collection

I am now requesting the method you used to verify certain item. FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states that upon request you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to the business name and address of any furnishes of information contacted in connection with such information and the telephone number of such furnishes. As stated in FCRA 611 ( a ) ( 7 ) you must provide this information no later than 15 days after receiving this request. Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation AND your Method of Verification
Product: Credit reporting or other personal consumer reports

I have successfully put a freeze on my credit with XXXX and XXXX, but am unable with TransUnion due to lack of appropriate response on their website. Can not get past the step to verify my email as their website can not respond or perform properly. With phone contact I find myself in dialog with someone overseas demanding all my personally identifying information. Serious security issues, not reassuring. Does not inspire confidence in TransUnion. Inability to operate an efficient and secure website should be reason enough to shut them down.
Product: Money transfer, virtual currency, or money service

I received a letter from XXXX  XXXX XXXX saying that I owe {$4100.00} for failing to pay XXXX 2022 taxes. However, I did mail in a check for {$5300.00} on XX/XX/year> ( PDF attached ). It was cashed -- but not by XXXX XXXXXXXX. Looks like someone named 'M. XXXX ' cashed it on XX/XX/year> at Bank of America. I called XXXX and they said they can't do anything because it's past the 60 day window for reporting a fraudulent check. They did tell me that the check was cashed by Bank of America even though it was clearly made out to XXXX XXXXXXXX. 

I am filing a claim against Bank of America for cashing a check made out to XXXX XXXXXXXX XXXX XXXX to a person named 'XXXX XXXX ' on XX/XX/year>.
Product: Student loan

When transferred to Aidvantage from XXXX, Aidvantage erroneously opt my account out of the COVID emergency forbearance without my notification. Aidvantage then issued delinquency notices after I did not pay on my student loans, which should have been in forbearance. I did resolve this issue on the phone with Aidvantage, after they acknowledge the error in their system.
Product: Student loan

My loans were consolidated under the Dept. of Ed in XX/XX/XXXX. I transitioned from XXXX to Mohela. My consolidated loans were then paused as part of the Covid-19 emergency action. 
When repayments resumed in XXXX, I was one of those who received the notice 1 week prior to its due date. I paid by the due date and continued. In late XXXX I received notice that the monthly payments were paused as a result of Mohela 's mismanagement of the restart. I would receive credit for the payments already made and those payments would be applied to my account at a future date. 
Each month I receive an email from Mohela confirming receipt of my payment. Starting XXXX XXXX Mohela has sent me a statement claiming I owe two months of payment. I've asked them to verify their records because this was an error on their end. Again in XX/XX/XXXX, I received the same notice. They have not responded to my questions nor credited my account for the all monies paid following the payment restart. I did pay the two months claimed on the statement this time with the hope that with intervention of CFPB things will be correct. 
This is very likely happening to other st loan holders with Mohela as their servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not update, correct or delete inaccurate information on an account ( XXXX XXXX XXXX XXXX ) reporting on my consumer credit report. 

Instead of conducting an independent investigation, Experian ignores my dispute requests and stamps them " verified as accurate '' even though the information they provide is clearly inaccurate. 

Experian 's responses to my complaints to the Pennsylvania Attorney General 's Office are further evidence of an attempt to deny me my rights, by not following the law as outlined in FCRA. 

Experian has denied me these rights under the Fair Credit Reporting Act ( Sections 609, 611 et.al ). They have illegally extended the investigation period for this item beyond what is permitted by law. They have not provided me with any written proof that would explain how they are verifying information on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified public records, accounts and inaccurate information listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : 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 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 or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX  Balance : {$0.00} 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 XXXXXX/XX/XXXX