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

I closed my account with AAdvantage Mastercard on XX/XX/XXXX. After closing my account, and paying the final balance, I set my email notifications from AAdvantage to my junk mail. In XX/XX/XXXX, I saw a bill in my junk mail from them for {$150.00}. I did n't know what it was for so I called them. They said after I closed my account they received another charge on the account for {$15.00} and processed it. Over the next few months that turned into {$150.00}. They said they 'd escalate it to remove the charges. They called me back XX/XX/XXXX, and told me I would have to pay the full amount. They said there was a loop hole in the law that allowed them to accept that charge. I was upset, but I did n't think there was anything I could do, so I payed the balance. I saw another email today with charges from AAdvantage after I canceled the card, and paid the closing balance twice. I want to make sure these guys do n't do this to anybody else. Although my first charge is unethical, as was communicated to me on the phone by their representative, it it within the law. This second charge is illegal. I do n't like when companies take advantage of consumers. This has taken a lot of my time and money to resolve. AAdvantage is acting illegally and is taking money in bad faith.
Product: Payday loan, title loan, or personal loan

My Chase Credit Account was closed on XX/XX/XXXX. I was notified on XX/XX/XXXX when I was trying to buy something and was declined, then tried to contact Chase, that the account was closed. However ... 

On appx. XX/XX/XXXX, I contacted Chase to make a {$600.00} payment, ( I owed them XXXX on 0XXXX  ) since it was past due. I was successful making this payment go through, and my balance was updated to {$490.00} from {$1000.00}. However, Chase at that date NEVER told me my account was closed or in trouble. I did explain to one of the specialists whom she took care of me, that, I apologize that some of my payments never went through, because I was out of country, and my debit card, or account, was basically not working, but I didn't know when I was in XXXX. 


I contacted Chase today, yesterday to get more clarification regarding my account. And I also apologized to them for any inconvenience and hoped my account was reinstated. However Chase wasn't willing to help. I didn't get a straight reason why my account was closed, and I should have been notified when I called them at XX/XX/XXXX, when I was making the {$600.00} payment. I would have only made the {$80.00} payment, knowing at that time my account was closed.
Product: Debt collection

On XXXX XXXX, 2016, I sent a validation letter to a USA Discounters XXXX an account listed on my credit report. The collection agency responded that they were not considered a debt collector as defined by the Fair Debt Collections Practices Act ( FDCPA ). They did not provide proof of debt they are claiming I owe. In the state of Texas, debt collection means an action, conduct, or practice in collecting, or in soliciting for collection, consumer debts that are due or alleged to be due a creditor. In addition debt collector means a person who directly or indirectly engages in debt collection and includes a person who sells or offers to sell forms represented to be a collection system, device, or scheme intended to be used to collect consumer debts. Therefore, I feel that they should respond to my request of validation for a debt they are claiming I owe.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on your credit report, leaving inaccurate or unverified accounts unresolved.The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an alert from XXXX indicating remarks updated on equifax credit report in regard to my XXXX Student account. This information keeps changing and as fast as my credit score increases immediately the information on my XXXX will change and now I've lost 25 points. These changes aren't being done by XXXX XXXX because I've called them and asked and they informed me because these accounts are included in Bankruptcy there is no reason for them to keep changing. They report it as included in bankruptcy and that is it. I've contacted my bankruptcy attorney as well and they said they dont have a reason or authority to add anything to my XXXX information. Lastly, I haven't nor do I have a reason to dispute this information because it is included in bankruptcy. Someone within the credit bureau keeps changing the remarks on these 9 accounts without me being the one initiating the changes. This will be the 3rd time information has changed on these 9 accounts that has caused my credit score to drop. This is wrong and when I call Equifax after speaking with XXXX XXXX and being instructed by the agent at XXXX XXXX to ask who initiated the dispute they could not provide me with that information. I want this to stop.
Product: Debt collection

XX/XX/2022 ( received letter ) {$150.00} - Debt not mine XX/XX/2022 ( received letter ) {$190.00} XXXXdebt not mine
Product: Vehicle loan or lease

On XX/XX/XXXXI went to CarMax to complete a consumer credit transaction on a car. I supplied my drivers license and social security number. The transaction was complete, I left with the car. I received a statement on XXXX that said the first Payment was due on XXXX in the amount of {$490.00}. The letter did not show that an alleged payment was owed to the finance company but that a positive balance existed. I sent a Debt Validation Request and they responded with an account payment history and a copy of a consumer credit sale contract that also said retail installment contract that included finance charges. Following their response I sent a cease and desist because they began to harass me by phone. In the cease and desist I stated their specific violations XXXX usc XXXX, XXXX usc XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), XXXX usc XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX usc XXXX, XXXX usc XXXX are just a few of the violations I expressed in the letter and have found. I requested an audit trail, I requested that the account be reported as paid in full to the credit reporting agencies and that any and all derogatory marks or late payments be removed. I requested that they sign off on and send my title Lein free. Instead of responding to the letter they added a cease and desist to the account which I verified by phone via a representative of the company. and ignored all other request for remedy that was mentioned in the letter and also proceeded to share my location information with a third party to seize the car from my private property on XXXX. The third party, XXXX XXXX XXXX, damaged my private property. This account is and has been in dispute but they have still reported derogatory information to the credit reporting agencies and has caused adverse affect to me obtaining additional lines of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I took out a credit builder loan account with XXXX. I made good on time payments each month and paid it off in full early on XX/XX/XXXX. XXXX and Equifax had reported the loan as closed and paid in full. XXXX had failed to update my report to reflect that as well. 

On XX/XX/XXXX I took out a new credit builder loan with XXXX. XXXX had updated my credit report showing the new loan. The problem is, they had used the old paid off account and updated it with the new information from this new account. Essentially taking away my good account from my report and inputting a high balance like there was no payments made. 

XXXX should had left the old account shown as closed and paid in full. XXXX should had reported a brand new account with the new information. These are two different loans with two different account numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Transunion XXXX. XXXX XXXX XXXX, PA XXXX Attention : XXXX XXXX, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX - Reported balance {$3100.00}, this is not mines. I have attached ID Theft form. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding inquires listed below. This inquiries were not authorized by me and I request removal right now. 
XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX  Acc Inquiry from XX/XX/2020 XXXX  XXXX  Inquiry from XX/XX/2020 XXXX XXXX   Inquiry from XX/XX/2020 XXXX  Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX  XXXX  Inquiry from XX/XX/2020 XXXX  XXXX  Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX  Acc Inquiry from XX/XX/2020 XXXX XXXX A Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX  Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX : XXXX, Account Number XXXX XXXX : XXXX, Account Number XXXX TransUnion : XXXX, Account Number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting

been a victim of identity theft 4 times and want to monitor my credit report ca n't monitor my credit report with Equifax. there is an error or problem on my credit report they ca n't fix it some technical issue they said they wo n't be able to monitor my credit report and they wo n't fix it. they have had numerous technical tickets sent up. but not able to fix. so anyone can get into my Equifax credit report. how many other people will they deny
Product: Student loan

I will continue filing complaints until Chase decides they are willing to help me and the XXXX of other borrowers in financial distress and no way out. I have repeatedly asked chase for some type of modification to lower my loan payments - denied every single time by Chase. I desperately want to pay my loans, as well as my cosigner but we are in desperate need for some type of relief. XXXX, when I spoke to them on the phone, informed me that I can only get a modification once every 12 months - this was not disclosed during the initial round of questioning when I first requested lower payments. What is happening here is completely and utterly wrong - I am begging Chase to make payments that are lower than the current payment. I am not understanding why a agreement can be made to allow me to continue to afford food and living expenses as well as paying my loan. Thank you for issuing a non certified student loan and being unwilling to help the borrower make payments to the loan. PLEASE ALLOW ME TO LOWER MY PAYMENT TO THE XXXX THAT WAS AGREED UPON ORIGINALLY. PLEASE EXTEND THIS FOR 6 MONTHS THAT IS ALL I AM ASKING.
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 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 compliance under the Electronic Funds 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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor, require the XXXX Credit Bureau to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$2300.00}
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of $ ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

To whom it may concern, According to the respond of Capital One on XXXX, Ive contacted XXXX XXXX XXXX XXXX and the answer they gave me is that they still waiting for my fund and dont know what happened with the transfer process. I asked Capital One on XXXX 2020 to send me the evidences about who gave the instruction of returning my money and based on what reasons that made such instruction, which I must use to start a lawsuit against the related party. But Capital One still ignores my request and didnt send me anything.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I discovered a debt on my XXXX report from a company called " Oliphant '', which alleged I owed a debt in the amount of {$380.00} for a product called XXXX XXXX. I have disputed this account numerous times and I have even provided evidence that the alleged debt was sold, sold again, and re-sold to several debt collection agencies before seeking payment from me. Each time, XXXX simply stated that the debt had been verified. No evidence has ever been provided by XXXX or Oliphant. 
On XX/XX/2023, I filed an Identity Theft report with the FTC. I additionally filed a police report with my local police department on the same day. These reports and my complaint were provided to XXXX. XXXX later replied that they would not take action on my claim for some unspecified reason.

I have twice filed a complaint, under oath, that this is not my debt and that I have never received any goods or services from this company. This debt is seriously hurting my credit. Oliphant once sent me a piece of paper that had XXXX items listed that were purchased (? ) on the account, but there was no other information. There was no identifying information ; Nothing to prove my responsibility for the debt. 
XXXX has now taken the stance that both of my statements under oath are perjurious. Neither Oliphant, nor XXXX, have been able to provide some manner of evidence that I PERSONALLY am responsible for this debt. 
It is my opinion that the debt was sold and swapped between several different collection agencies so many time that the address was somehow confused with my name ( as I loved in an apartment building for a short time during this episode ) and that I was then held responsible for the debt.
Product: Student loan

I have been paying my loans on time for years and the balance never goes down. XXXX XXXX Navient does not provide enough information for me to understand how they are continuing to XXXX me. I signed up for these loans as a kid so I understand I signed a contract for the load fees/ origination fees, variable interest rates etc. 
However, the information provided does not show the loan balance. It simply shows what has been applied to interest and what was applied to principal. The thing is in my budget I write down my last balance for each loan and even though the loans are in repayment they continue to increase in the amount owed. 
I have also noticed " Repayment Fees '' this is ridiculous considering how all of my loans have doubled in value and my monthly payments do nothing ( I understand amortization, but for the loan balance to continue increasing while in repayment is inexplicable. ) I called to speak to someone about the fees and they assured me the account would be credited ... it was not. The people who work at the call center barely speak English, never mind understanding my concern with the loan balance continuing to rise while in repayment. This company needs to provide a running balance to show how each payment has effected the total of the loan. Otherwise, they are continuing to rob us blind more so than they can legally. 

I have attached a screen shot of the information Navient provides to its customers. As you can see I have paid interest and principal payments, however somehow the balance I owe has increased ... .. They are playing games and this is most likely illegal. They need to show how each payment effects the balance and if more interest is charge in a month ( because of the variable rate I am sure ) they need to show that as well. These loans will never be paid at this rate and my total SL per month = {$1600.00}, how am I supposed to live with this payment especially if the balances only increase over time.
Product: Debt collection

Another instance of a second party trying to collect debt from me when I had in no way applied or used credit from these people, being a victim of past identity theft has made these random credit lines pop up on my credit report and results in hostile phone calls attempting to collect debt I dont owe
Product: Debt collection

I XXXX XXXX have had my protective rights under XXXX XXXX State banking laws violated, basically because of an account support associate named XXXX XXXX, who does not understand the difference between a social security number and an EIN for a limited liability company. As you will notice from my attached inserts, a judgment on medical issues was granted against me XX/XX/XXXX. The law firm in question never submitted a complaint where I was legally served while I lived in either upstate XXXX XXXX   or the state of XXXX. I current have separate legal counsel working on vacating an illegal judgment by XXXX XXXX XXXX XXXX XXXX XXXX. This law firm that specializes in medical collections has abused the civil liberties of consumers for decades. The subpoena under CPLR Section 5222 ( b ) does not conform to state regulations in the state of XXXX XXXX  on the merits that I was never even issued an original complaint, that XXXX XXXX XXXX XXXX XXXX XXXX too a default judgment against me personally, not corporately. 

Most important, the judgment is against me personally and my connecting social security number, not any corporate entity such as my limited liability company registered as XXXX XXXX, XXXX. The hold on my {$5700.00} in funds in that account is simply a violation of banking procedures in the state of XXXX XXXX, or any other stare for that measure. My usage of my own money is being held against my rights to said funds, and XXXX XXXX XXXX XXXX XXXX should be held accountable. 

A separate complaint will be issued to the National Credit Union Association regarding the oversight. 

NCUA # XXXX Year Chartered XXXX Employees 326 Primary Regulator I demand release of my LLC account funds immediately.. Since the debt is being stolen from a non-entity connection, Im claiming an identity theft was used to process this hold on funds by XXXX XXXX XXXX XXXX XXXX XXXX, and that the New York State Bar Association must be informed of this illegal action.