23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian sent me the findings of their investigation which states the company verified the bankruptcy. Experian has stated numerous times the information came from XXXX XXXX. On XX/XX/2023 XXXX XXXX sent a letter that they are unable to verify the information. How did Experian verify this information? The bankruptcy court nor I verified this information. 

Experian continues to be in violation of : Defamation of Character ( per se ) 1. Negligent Enablement of Identity Fraud 2. Fair Debt Collections Practices Act 15 USC 1692g violations 3. Fair Credit Reporting Act 15USC {$1600.00} violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Checking or savings account

I opened an account at XXXX in early XXXX. I began directing my weekly direct deposits to my account at XXXX, and first one arrived in activity XX/XX/XXXX ( and subsequently, on XX/XX/1920, XXXX ). I directed external transfers to move a substantial amount of my money to another bank ; where I had previously already aligned my various billpays. These employer direct deposits arrive weekly and the external transfers were also setup weekly. Many succeeded, but the transfers were canceled by XXXX ; halted not by my available cash, but by a transfer limit. 

XXXX  has an unreasonably low " transfer limit '' ( {$XXXX.00} ) for new accounts which covers a rolling XXXX period. There is no available option, according to the chat person, to have this addressed. The only available option was to complain. The chat person ( " XXXX XXXX. '' ) indicated they submitted a complaint ( potentially to an internal system ) with reference number XXXX.
Product: Credit reporting or other personal consumer reports

I am formally disputing the inclusion of an account on my personal credit report, as it violates consumer protection laws. 

This is a business account, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only account for which a consumer is personally liable should be reported. Listing this account as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXX XXXX XXXX * & XXXX XXXX XXXX
Product: Debt collection

I spoke with a representative on Friday XX/XX/XXXX and let them know I had been unemployed over a month and that I was beginning a new job that following Monday XX/XX/XXXX. They noted it in their system and said to make the minimum payment once I received income from my new job and that I may still receive a call or two per day because of my account status. Since Friday XX/XX/XXXX, Ive been receiving calls every hour as if I never spoke to anyone. I havent been employed a full week and the calls are becoming overwhelming especially while Im in training.
Product: Credit card

Costco opened up and authorized Citibank to open a XXXX account in my name. My previous Costco card as from XXXX XXXX. Back in XXXX, I had expressed to XXXX XXXX that I did not want any other XXXX XXXX cards, and specifically inquired about how the account would close. I was told it would automatically close in XXXX of 2016. XXXX of this past year, I again inquired to confirm that the account would close on its own in XXXX of 2016. I again expressed to XXXX XXXX, who was trying to convince me to sign on to another type of XXXX card, that I had no interest. We already had XXXX XXXX XXXX XXXX and XXXX XXXX card. I received a Citibank Visa card last week from XXXX, when I called citi, they stated that all of XXXX XXXX XXXX accounts were turned over to Citi and that we were notified in each statement with leaflets that this change were to take place. 

I never authorized anyone to open an account for me at Citi. I never authorized anyone at Citi to run my credit. I have since tried to call Citi to no avail because of the large demand from Consumers calling Citi regarding their new Costco card. I was told from my first conversation with Citi, that the new account would close on its own after two years of non-use. The people at Citi also proceeded to tell me if I were to close the account it would hurt my credit score. They then proceeded to explain the wonderful benefits of owning their credit card. 

I am absolutely disgusted with how my account was opened without my permission or authorization. I think this credit system of losing points on your credit score because of closing accounts is wrong and insulting. I have always paid my bills on time, and never have been late. I purposely make sure my credits watched and managed closely. To have them open an account without my permission is an invasion of my personal privacy. I would like the account closed, and done so in a manner that DOES NOT REFLECT ON MY CREDIT. I want it closed by them acknowledging to the credit bureau it was opened inadvertently and without my permission or authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Anything on my credit since the loan Fromm XXXX and the credit card from Wells Fargo is all fraudulent. None of it should be on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, consumer XXXX XXXX did not consent to, authorize nor benefit from any of the following inquires. Block and remove ALL inquries from my consumer report pursuant to 15 USC 1681c-2. Block of information resulting from identity theft.
Product: Credit reporting or other personal consumer reports

This is my formal complaint to EQUIFAX. I have reached out to the following accounts below and talked to them about the issue with my accounts as reported by the bureaus. They have advised me that they will conduct the investigation for the status on my accounts however, as I reviewed my recent report nothing has change, incorrect and inaccurate information are still reported. I am not sure how the EQUIFAX came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.
Product: Student loan

On or about XX/XX/XXXX, I submitted a payment in the amount of {$620.00} to Navient. I stated that I wanted this amount to be applied to the loan ( principal balance ) that at the time had a balance of {$1000.00} ( 1-12 Direct loan unsubsidized ). The money was not applied to this loan. I do not know where it was applied, but it was not applied to this specific loan. 
I did not realized that it was not applied to this loan until recently. I called Navient today, XX/XX/XXXX. After 26 minutes, no one came to phone, and they ended the call. 
I am calling again. As in the first call, a recording would say that I have certain number of callers before me, as I continued to wait the numbers of callers before me would increase! Impossible!
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the improper handling of a private student loan and the subsequent inaccurate reporting of a charge-off on my credit report. Below are the details of my case : 1. Loan Details- The private student loan in question was originally held by XXXX XXXX XXXX or XXXX XXXX XXXX. However, this loan was sold to a debt company without any notification or communication to me regarding the sale. 

2. Fair Credit Reporting Act ( FCRA ) Violation : According to the Fair Credit Reporting Act, I should have been notified when my loan was sold, but this did not happen. Additionally, I was still enrolled in school at the time of the sale and charge-off, which means my loan should have been in deferment. Under normal circumstances, private student loans are deferred while the borrower remains in school. However, the lender/debt company failed to honor this deferment status. 

3. Charge-Off Details : Despite my student status, a charge-off of approximately {$3800.00} is still showing on my credit report. I have repeatedly disputed this charge-off with Experian, but they continue to claim that the reporting is accurate, which is not the case. This charge-off is severely impacting my credit and ability to secure housing. 

I respectfully request that the CFPB investigate this matter as a violation of the FCRA, and assist me in having this charge-off removed from my credit report. This situation has caused significant financial hardship due to this inaccurate and improper reporting. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in rectifying this situation.
Product: Student loan

I have been enrolled in student loan autopay with Aidvantage since student loan repayments started in XX/XX/XXXX. I did not and still have not received the 0.25 % interest rate deduction due to being enrolled in autopay. I have had several chats and emails with Aidvantage and the interest rate deduction has still not been applied. 

XX/XX/XXXX email response from previous request : Customer service says that only one of my loans is enrolled in autopay even though I had enrolled all of my loans in autopay. They also say that the interest rate deduction will be applied when the loans are back in repayment. The loans are back in repayment and the interest rate deduction has still not been applied. 

XX/XX/XXXX online chat : Customer service says that the interest rate deduction will be applied during the next autopayment. This has not happened. 

XX/XX/XXXX email response from previous request : Customer service says that I should get an interest rate deduction when the loans are in repayment. The loans have been in repayment since XX/XX/XXXX and I have still not received the interest rate deduction. 

XX/XX/XXXX online chat : Customer service says that they are putting in a request for the autopay interest rate deduction to be applied. They say that this will be completed by XX/XX/XXXX. This has not happened. 

XX/XX/XXXX email response from previous request : Customer service says that they are still working on the interest rate deduction request. It has been since XX/XX/XXXX and I still have not received the interest rate deduction due to being enrolled in autopay. 

Email
Product: Debt collection

The Company who contacted me today, XX/XX/XXXX, had all of my personal information, address, social, date of birth, and mobile phone number. They rang me from a number that was local to my area code and state. The number they called from is : XXXX. The name of company is : XXXX XXXX XXXX. They claim that I owe a private student loan through them for XXXX from XX/XX/XXXX. They list a college that I did not attend, XXXX University, and a client they represent under the name XXXX XXXX XXXX. I have never been a client of that company. Until today, XX/XX/XXXX. I had never heard of this company, have received no notices or bills demanding a payment. They claim to have received my name and contact information in their office on XX/XX/XXXX and they demanded that I settle the debt, and mentioned that " the account is too old for them to sue me, but I can settle it now for a lessor amount. '' I do not owe this bill. I reiterate that I have never attended XXXX University. I asked that they send me the copy of any signed agreement or promissory note for verification purposes. They claim that they do not have the contract in their files and it would be sent via their client, XXXX XXXX XXXX. I do not want this debt to appear on my credit report. All of my private student loans are consolidated through another legitimate company. I have since contacted my debtors to find out if they have either name on my accounts or a debt for that amount. They report no such findings. Please help. I wish to file this complaint with your office. This is clearly FRAUD.
Product: Debt collection

I have been trying to get XXXX and the collections company-NAT'L CR MGT to remove this from my credit report for the past few months now. and no action has been taken. I originally agreed with XXXX to start paying on my balance XX/XX/XXXX. However, medical issues came up from XXXX, so I called and informed a rep I would resume payments XX/XX/XXXX and wanted to ensure it would not go to collections. And they told me that was fine, I could resume payments at that time. XX/XX/XXXX, I contacted XXXX to resume payments and was informed it went to a collections agency. I was extremely upset. I contacted the agency and also XXXX to get this removed from my credit report and nothing has been done. XXXX is trying to go off the email communication for the original payment agreement, but refuse to go by what I was told over the phone as well ... I have paid XXXX a lot of money out of pocket, and have XXXX small student loans with them that I pay ON TIME every month. it makes no sense I would purposely neglect this debt. 

The collection agent who originally called me from NAT'L CR MGT was so rude and talked to me like I was a 2 year old. He was very combative. When I explained to him I would make payments to XXXX, I am just trying to figure out why they sent this to collections ... his response to me was : " Well then I will just tell them you are refusing to pay altogether. " .. I said No! I am not refusing to pay, I am trying to figure out what they told me they would not send it to collections and still did. and he responds stating the same thing : " I will just tell them you are refusing to pay. '' He was basically trying to slyly threaten me into paying. I asked to speak to a supervisor and informed I did not want him calling my phone ever again because he was trying to lie about my issue to XXXX. I also complained to XXXX but they have done nothing but say they can only go off of email record and not over the phone, which is not fair to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, am writing on my own as natural person and consumer who is a victim of identity theft. I am requesting the immediate removal of the following items from my consumer credit report in accordance with 15 U.S. Code 1681c-2. This statute requires that any information identified by the consumer as resulting from identity theft must be blocked from the consumer 's credit report within 4 business days of receipt of my request. It has been over 30 days since my initial request, and you are in violation of this law.

This dispute is not being made in error, nor is it based on any misrepresentation of fact on my part. The information I am disputing is fraudulent, and the entities that reported these items DO NOT have lawful authority to do so. According to the law, these companies are required to have tax documents or other forms of written consent to charge off or report these items under my name. I did not provide such consent, and as such, these items are in violation of my privacy Under 15 U.S. Code 1681b, consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the consumer. I NEVER provided any written consent for any consumer reporting agency to report the information listed below on my behalf, and their failure to adhere to this law constitutes a clear violation of my rights as a federally protected consumer.

Please delete the following items from my credit report immediately ADDRESSES INQUIRES NAMES ACCOUNTS COLLECTIONS These accounts should not appear on my consumer report, as they are the result of identity theft. Please ensure these fraudulent accounts are removed as required under the law. The companies reporting these items have failed to provide proof of my consent or authorization, which makes their actions unlawful.

I respectfully demand that you take the necessary steps to delete these accounts from my credit report and send me written confirmation that these items have been removed. This request is made under the rights provided to me by the Fair Credit Reporting Act and related laws. 
Thank you for your immediate attention to this matter. I look forward to your timely response. 
XXXXXXXX XXXX XXXX XXXX
Product: Credit card

Chase offers XXXX  XXXX  back on food, beverage and Wi-Fi purchases on board XXXX and XXXX XXXX XXXX and XXXX XXXX premium drink XXXX XXXX their advertised credit card. I made an in-flight purchase of a cheeseburger on XX/XX/XXXX for {$14.00} and did not receive the promotion. I called on XX/XX/XXXX for help. I spent about XXXX minutes for resolution on the promotion that was not fulfilled. By XX/XX/XXXX, nothing had happened. So I called again. I then spent XXXX minutes re-complaining about he exact same issue. I was told it could take up to XXXX  days to resolve it. But the agent said again a new note was put in and promised someone would call me within the next week with resolution XXXX way or the other. After she completed the XXXX complaint inquiry, I asked to be transferred to escalations so I could try and find someone who could take ownership of this. I spoke with the escalations department and complained a XXXX time. 

It's now XX/XX/XXXX and nothing has still been resolved. This is no my XXXX time complaining about a {$3.00} credit. I've now spent about an hour of my life because of the Chase 's inability to give me an advertised promise of XXXX  XXXX  back on in-flight purchases. I suspect this is an issue to other cardholders beyond me which could result in thousands or millions in lost credits to cardholders nationwide.
Product: Bank account or service

I have XXXX accounts with Chase, XXXX checking and XXXX savings. My mother is on XXXX of the savings, jointly. When she logged into Chase using her credentials, she was able to access the information in my personal checking and savings, where she is not listed on the account. She could see all statements, every debit, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is still showing an account # XXXX with a balance that has already been paid off in XXXX of 2023. I made a payment of {$5200.00} on XX/XX/2023, the payment was posted by XXXX but they never updated the account to XXXX  status. I sent XXXX a billing error dispute for correction of this violation XX/XX/2023 pursuant to 15 USC 1666 ( b ), ( c ), ( d ) and ( e ) but have not received a response.
Product: Debt collection

FCPA AND FDCPA BUREAU DISPUTE VIOLATIONS COMPLAINT AND DEMAND REMOVAL OF INACCURATE INFORMATION ON THE 3 CREDIT BUREAU FILES ( XXXX, XXXX and XXXX ). 


DEROGATORY, DEFAMATORY AND SLANDERING INFORMATION REPORTING ON CREDIT OF XXXX XXXX TO THE 3 CREDIT BUREAUS ON ACCOUNT # XXXX. 

This is an attempt to validate a debt, against by XXXX XXXX XXXX On XX/XX/XXXX XXXX XXXX XXXX was advised that certain documentation was requested to make a physical inspection and enable me to verify and witness the same in order to prepare a defense that, I may study all evidence regarding this matter within 30 days. Spoke to XXXX on XX/XX/XXXX and she requested fax the denial of credit Notice and Demand to Cease and Desist Collection Activities Prior to Validation of Purported Debt to Fax XXXX Ive also mailed the notice. Furthermore, on XX/XX/XXXX I mailed out NOTICE AND INTENT TO SUE, DEMAND FOR PAYMENT, as well. As, this request has not been honoured. XXXX XXXX XXXX defaulted but continues to report negative information on my credit report and make demand payments from me. This was an attempt to validate a debt, against XXXX XXXX XXXX the parties of which collectively be known as a " third-party debt collector '', under the Federal Debt Collection Practices Act ( hereinafter FDC PA ). I was exercising my legal right to validate a debt that this agencies claim is owed. XXXX XXXX XXXX has report false, derogatory, defamatory and slandering information about to the credit Bureaus on account # XXXX by which has resulted in my being damage, such action cause by way of denial of credit due to the inaccurate information!!! 
My letters was XXXX XXXX XXXX only chance to settle this matter before XXXX XXXX filed a complaint and lawsuit against this company. 

XXXX XXXX XXXX decides to ignore my demand for Validation. XXXX XXXX will further pursue all of my legal remedy without further notice to XXXX XXXX XXXX. My attached letter serves as evidence that XXXX XXXX has attempted to resolve this matter formally before filing a complaint and lawsuit. 

Reporting information to the 3 credit Bureaus XXXX, XXXX and XXXX is a VIOLATIONS of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ) and Privacy act. 

Over the past several months, I have tried to resolve this issue on XX/XX/XXXX and XX/XX/XXXX, but to no avail. 

XXXX XXXX XXXX must herein provide a true and certified copy of the complete audit trail of said account. Furthermore, in order for XXXX XXXX XXXX to validate the debt FDCA, please provide verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I would also need a copy of XXXX XXXX XXXX Tax Registration certificate or remove FALSE, DEROGATORY and DEFAMATORY from credit report! 

I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. Attached credit report, denial of credit letter and Notices. 

Thank you for your assistance. 

Sincerely,
Product: Credit card

I had a Coti bank XXXX card, I have had it for years and paying on time but all of a sudden I started getting emails from the gem saying my bank returned request for payment. I finally called both my bank and Citi bank, found out that the number they were entering was missing a digit so they were trying to get money from the wrong account. 
I and a Citi bank supervisor called my bank and got the payment straight. A couple of days afterwards Citi closed my account and canceled my card. I called they took my information as if I was applying for a new card and later sent me a denial email. I subsequently called to find out why I havent been sent my accrued rewards money, they said that I had forfeited the money since they cancelled the card. I asked to speak to a manager and to my frustration she told me the same. I had almost {$180.00} or more rewards, this is like stealing
Product: Debt collection

I have not had a contract with  XXXX . The Debt is not mines. the creditors continue to remove the debt and then reinsert it back on my credit with a new date
Product: Money transfer, virtual currency, or money service

I was promised a rate when conducting a transfer US to XXXX, which was guaranteed for 3 business days, not including weekends. 

They reneged on their rate, then I was assured on the phone the difference ( ~ {$150.00} XXXX ) would be compensated and placed in my XXXXXXXX XXXX account. I was offered XXXX XXXX of " credit '' so if I use their service again, both short of the difference and not put in my account. 

I can not even speak to anyone who has any power to issue a refund or even put the compensation into my bank account.