23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am on an income driven repayment plan and qualify for XXXX $ XXXX loan payments based on my income. 
I recently consolidated my loans with EdFinancial. 
After consolidating my loans, they sent me a letter in the mail ( XX/XX/year> ) saying that my next payment due would be {$370.00} even though my annual income hasn't changed. 
Next I logged into my online account at EdFinancial, where the amount due still appears to be XXXX XXXX 
It's totally unclear where the {$370.00} amount is coming from, and why the letters and online accounts don't match. 
Nothing about how this loan servicer is operating makes any sense, and the inconsistency of their communications regarding my loan balance/what is due causes undue financial XXXX/precarity for me, as I don't make enough money for a XXXX XXXX  monthly payment.
Product: Checking or savings account

My account was closed without my consent, during a dispute and several charges are on my account and sent to collections. I called customer and was told my pay check was returned to my employer without email notification or letter via mail. I called customer and was referred to collections. I reached out to consumer relations several times and my call has not be returned. I tried to open another account and theres an inquiry on my credit report and my application was denied.
Product: Debt collection

I looked on my credit report and I never heard or see this company before.
Product: Checking or savings account

I was hacked- they sent me a Link that gave hackers access to my phone and Chase bank instead of helping me after I explained that my phone was used through them broadcasting and utilizing my info they denied to help me - hackers XXXX {$500.00} To their account utilizing the email XXXX XXXX XXXX 

I have filed a police report which they said They dont take and also a FBI AND fraud report With beraur. 

They were able contact The bank they should be able To fight for thry customer
Product: Credit reporting

On XX/XX/XXXX, I filed my third complaint with all three credit reporting agencies about my account with XXXX XXXX XXXX. XXXX XXXX XXXX will not give me proof why they are showing that I was late for the last three months on the account for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for XXXX agencies and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for one of the reporting agencies. XXXX XXXX XXXX also failed to show proof to the credit agencies about the late payments. XXXX removed the payment history, however, the other XXXX agencies have not. I disputed because it is negatively affecting me and I want the 30, 60 and 90 day late payment status removed. Transunion was contacted prior to me filing this complaint and they removed the previous complaint from off line and started a new complaint. I could not access the my dispute report for XXXX because they asked for an investigation ID #, but there is no investigation ID # on the mailed report. It asked me to call the number on the report, but no phone number for XXXX is listed in the report that was sent to me, and no phone number is listed on the website.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX  XXXX XXXX, GA XXXX TransUnion, XXXX XXXX XXXX  XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

I stayed at XXXX XXXX XXXX from XX/XX/2018 to XX/XX/2018 for a National Conference for my occupation. The Conference was held at this hotel. 

I had a legitimate bill from the Hotel for {$980.00}. However, they also charged me {$1000.00} for the hotel stay of another conference guest that I have never met or heard of. I know the details of the fraudulent purchase because Wells Fargo reported that to me during their investigation. The hotel would not tell me who the person was who made the purchase. The hotel claims they have an authorization from me for that guest to use my card, which is absolutely untrue. I have seen the documents presented to my card issuer ( Wells Fargo ), and it was merely a receipt for which my card info was used. There is no signature of any kind to accompany the card info, or any kind of form that would give my purchasing power to another person. I was in physical possession of the card the entire time. 

Wells Fargo is not willing to overturn the fraudulent charge in my favor, but there is absolutely no legitimate reason for that decision. 

Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent four disputes to XXXX, XXXX, Equifax all through certified mail. I have several accounts on my report that showed up and i have no clue to how they got on there. including student debt with about 5 different accounts with the same company. i asked them to look into it and to show how they verified these accounts that they state remains. they have failed to send me any notifications on how they verified. the papers they send me even comes back with a different name. now they state that they will not investigate without documents to prove my case. How am i supposed to prove something if its not mine and i have nothing to go off of since they keep failing to show me proof of verification or any documents to these accounts.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Account name XXXX XXXX Account number XXXX To whom it may concern, I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need to be deleted are listed below. I am a victim of identity theft and DID NOT open these accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the documents supporting my dispute, the Federal Trade Commission 's identity theft affidavit. Please delete the items as soon as possible.
Product: Debt collection

On XX/XX/2021, a debt collect agency, specifically Convergent Outsourcing, placed a collection on my credit report in the amount of {$980.00}. I immediately called Convergent and was informed by Convergent that the debt was not in my name, XXXX XXXX, but instead was listed under XXXX XXXX. Convergent initially refused to discuss the debt with me stating, 'the debt is not in your name, therefore we can not discuss someone else 's debt. ' I explained to the Convergent rep that I'd been a victim of identity theft and demanded the immediate removal of the account from my credit report. 

After demanding to speak with management, I was transferred to XXXX XXXX. XXXX requested a copy of my Identification and social security card stating she needed it to clear the debt from my credit report. I sent XXXX the documents requested. XXXX then, without my permission, shared my identifying NON PUBLIC information ( photo ID and social security number ) with the original creditor. 

Several days later I received an emailed letter from Convergent Outsourcing, under the name XXXX XXXX. The letter stated that the collection would be removed from my credit report and it was removed days later. 

Consequently, Convergent Outsourcing has since indulged in DECEPTIVE TRADE practices by attempting to use the identifying information requested from me to place the illegal account, which does not belong to me back on my credit report. 

It is well settled that Convergent Outsourcing did not have in their possession adequate or accurate information to place a delinquent account on my credit report and after being informed the information they had on file did not match my identifying information, Convergent participated in fraud by obtaining my identifying information, sharing it with an unknown creditor and attempting match the or transpose the identifying information which would facilitate Convergent in willfully and fraudulently placing the fraudulent account back on my credit report
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Navy Federal Credit Union regarding the handling of my Used Vehicle Loan Account ending in XXXX. I recently received a copy B of IRS Form 1099-C for the loan, which shows that the debt in the amount of {$33000.00} has been discharged, canceled, or forgiven. According to this IRS form, the discharged amount is considered income for tax purposes. 

However, despite this discharge, Navy Federal Credit Union is still reporting the full amount of the loan as outstanding on my credit report, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, this constitutes : Failure to Report Accurate Information ( FCRA 1681e ( b ) ) : Navy Federal Credit Union is continuing to report the discharged loan balance as outstanding, which is inaccurate. According to the IRS Form 1099-C, the debt is no longer owed, and this error on my credit report is a direct violation of the requirement for furnishers of information to report accurate and complete data.

Inaccurate Reporting of Debt ( FCRA 1681s-2 ( a ) ( 1 ) ( A ) ) : Under the FCRA, Navy Federal is obligated to ensure that the information they report to credit reporting agencies is accurate. By reporting the loan as still outstanding when it has been canceled, they are failing in this duty and causing damage to my credit profile. 
Failure to Correct Inaccurate Information ( FCRA 1681i ) : I have made reasonable efforts to resolve this issue, but Navy Federal has not taken steps to correct the inaccurate reporting, even though they are aware of the debt cancellation as evidenced by the IRS Form 1099-C .

I request that the CFPB assist me in addressing this issue with Navy Federal Credit Union. The inaccurate reporting of this discharged debt is negatively impacting my credit, and I have made attempts to resolve the situation directly with Navy Federal, but have not received an adequate response.

Please investigate this matter and take appropriate action to ensure that Navy Federal Credit Union complies with all relevant consumer protection laws, including the FCRA.
Product: Credit card or prepaid card

In XX/XX/XXXX there were 2 unauthorized cash withdrawals being conducted in XXXX  XXXX nearly 500 miles away. I became aware of these charges when my card was declined at XXXX XXXX in XXXX, CA where I live, and I received a text from XXXX XXXX regarding suspicious activity asking me to contact them. I called immediately and was told that there were 2 withdrawals, {$300.00} & {$260.00}, that were conducted in N. California. I explained to the rep that I had the card in my possession the entire time and did not share my card with anyone NOR was I anywhere near N. California. My card was closed and the rep filed the dispute on my behalf. A month and a half later I got a call from the bank asking for more info. I explained to that rep the same thing i had explained back in XXXX and they said they would let me know via mail. On XX/XX/XXXX, OVER 60 days AFTER I FILED MY DISPUTE, I received a letter from XXXX Bank saying that I benefited from the transactions and that I my dispute was denied. I was OUTRAGED!!! I called my credit card company immediately and they refused to provide me ANY documentation regarding the investigation, which is a violation of REG E and they said that I did not fill out the form correctly, since I didn't list the amounts. Rep named " XXXX '' refused to transfer me to a supervisor and stated she would not mail me any documentation regarding my dispute. This is outrageous!! My card was compromised and XXXX Bank is holding me responsible!!
Product: Vehicle loan or lease

This is the third complaint on Nissan Motor Acceptance Coroporation. I called Nissan and told them I had a domestic dispute and was in the hospital XX/XX/XXXX. My kids and I were in crisis. I was granted an 90 day deferment,. I have been complaining about an investigation on what happened to this call. Third complaint on XX/XX/XXXX. Recovery Spotters a total of 5 were following me. I pulled in a neighborhood and refused. I was still followed. I had XXXX children in the car. I pull in my car. My children were afarid. A total of 8 recovery spotters were driving on XXXX XXXX XXXX XXXX TX XXXX at high rate of speed. I called the Constables office because I have some right to peace of mind and my children does n't need to be in fear. The Police parked in front of my home after I filed a third report. Of Agents tapping on my window and disrupting my neighborhood at night After the Police told me he was off his shift. Around XXXX Recovery Spotters were again going at high speeds down the street. My Neighbor chase one down to tell them to stop. Also he knew I was afraid. There is one main street in my neighborhood. There are children. Again for the third night. Breach of Peace is broken. I should not be afraid while working with Nissan to recover a phone call. I also submitted a legal notice to Nissan to cease this unlawful acts. I 'm in fear. The also are children on the street one can be harmed
Product: Vehicle loan or lease

I contacted Chase Auto Finance to request a one-month payment deferment 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  I explained to the represented when I called that I needed to skip XXXX payment but was told that they could only extend the payment through the XXXX of XXXX which is normally due on the XXXX of XXXX. I borrowed the money from my sister and made the payment on XX/XX/2022. However, the company still placed a past due payment on my credit report even after providing the extension.
Product: Money transfer, virtual currency, or money service

Today, XX/XX/XXXX, I went to a bank branch with a problem regarding my balance. since it was negative, I realized that my last transaction was a fraud ( I was cheated ). I received a check for the purchase of equipment in the amount of XXXX us dollars, which I was asked to transfer to a vendor to purchase a laptop for work. With this problem, I came to ask the bank officer to cancel the last transaction, but I was immediately refused without giving any explanation. I was told that my account was blocked and I would receive all the rest of the information by mail within 60 days, and sent out of the bank. the bank account is closed and I called at XXXXXXXX XXXX in the technical support of the bank- and they said that they can not help. now all my accounts are blocked, I don't have access to my cards and my money. I also applied to reportfraud.ftc.gov Report Number XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding an error on my credit report related to XXXX XXXX XXXX XXXX in the amount of {$1900.00}. Despite my previous dispute of this error, it remains on my credit report, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

I initially submitted my dispute to TransUnion on XX/XX/year>, disputing the error in the reported account. The dispute was marked as in review on XX/XX/year>, and was resolved on XX/XX/year>. However, despite this resolution, the error remains on my credit report. 



Under the FCRA, credit reporting agencies and creditors must ensure that all reported information is accurate and complete. The continued presence of this error on my report is a violation of federal law, and I am requesting that this error be immediately removed from my credit report. 


I request that the CFPB intervene to ensure that this matter is resolved promptly. 


Thank you for your attention to this matter. I look forward to your assistance in ensuring this error is removed from my credit report without further delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed for them to remove this bankruptcy 3 time with supporting documentation. They stated in the document provided that XXXX verified the information as of todays date XX/XX/2020 but the bankruptcy was removed for. XXXX as of XX/XX/2020. They are reporting inaccurate information and I would like for it to be removed and a updated copy of my credit report sent to me. Thank you
Product: Credit card or prepaid card

On XX/XX/2021 XXXX charged XXXX for a rental car I did not pick up nor use. I went to the ticket counter on XX/XX/2021 three times because they stated they cancelled and voided out the contract but however did not release my XXXX. This is my rent monies they are holding and wont release my monies I gave them. This is fraud. I did not authorize this charge at all. Every day they said they are releasing the funds and have not. Capitalone states they have not released my funds. XXXX gave capital one a verbal by phone, that its okay to release the pending hold and capital still holding funds. XXXX even offered capital one an authorization to release fund and Capitalone still will not release Thank you
Product: Debt collection

i paid on XXXX XXXX 2016 and have letter showing it paid hsbc card services. now they are trying to sue me agin
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXXt, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Mortgage

NewRez LLC is the servicer of a mortgage for a single family home. The property was sold, with closing on XX/XX/year>. Funds in the amount of the payoff statement were wired by the buyer 's title company ( XXXX ) to NewRez on XX/XX/XXXX. XXXX XXXX identified that the mortgage had not been paid off and closed on XX/XX/year>, when noticing the autopay tied to the mortgage account came out of her bank account. She notified her title company and they notified XXXX. She called NewRez at this time, and was only then informed that the wire transfer was insufficient. NewRez claims to have reversed the wire on XX/XX/XXXX, due to insufficient funds as XXXX XXXX property taxes had been paid and the escrow account was short, leaving closing funds short {$890.00}. NewRez had not notified anyone of the new payoff amount. They also did not notify XXXX XXXX or XXXX that closing funds were short, despite stating they usually hold wire transfers for 5 days and notify relevant parties to resolve final amounts. XXXX can find no record of the reversed wire and has not received the funds back. Both XXXX XXXX and XXXX have been in daily communication with NewRez, with no resolution. Customer service is unable to help, even when escalated to supervisors. The wire department at NewRez has not responded to the multiple investigation communications from within NewRez. At this point, NewRez can not find the {$250000.00} that was wired to them on XX/XX/XXXX. A second investigation has been opened at NewRez and is ongoing, with a due date of XX/XX/XXXX. XXXX can not wire a new payoff until the original funds are returned. There appears to be no urgency to resolve this by NewRez, and they just keep telling us to call back the next day. Meanwhile, the mortgage account remains open and is accruing daily interest, and XXXX XXXX maintains an open mortgage for a property she no longer owns. 

Please note that complaints are also being filed with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX State Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXXAccount Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX  XXXX : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting

I have payed my ( on time ) mortgage for my home since XX/XX/XXXX, XX/XX/XXXX, I payed off my car in a year ( at my credit Union ) and payed down my credit card with a XXXX. I applied for a XXXX at my credit Union and found to my credit score was XXXX. So, I ask for the report, they ca n't give it to me. I apply for my report online and I ca n't see my report, but these " things '' ( lies ) disparaging discrepancies are being held against me, I even applied for a XXXX card and was denied because of incorrect trade-line information.