23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Someone used my identity without my consent or knowledgement in XXXX Florida which I have never been a resident in the state of Florida. I contacted each collection and I was told that these accounts were opened in XXXX XXXX FL, which I never reside at. I have lived in Texas since XX/XX/XXXX, XXXX appear on my three bureau 's it shows multiple Collection account 's with : I HAVE PLACED A FRAUD ALERT AND A FREEZ ON XXXX, TRANSUNION, 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 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 card or prepaid card

Make payments, lower my credit limit than that would run my credit score and raise and repeat
Product: Debt collection

THE COMPANY RONALD B RICH AND ASSOCIATES DEBT COLLECTIONS PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION ACCORDING TO 15USC 3002 i AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of Consumer Financial ProtectionXXXX, XXXX, XXXX, and XXXX are assumed to be credit Bureaus and their is only one Bureau and that is athe Consumer Financial Protection Bureau. On XX/XX/1933. Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction, and whereas the existing emergency has disclosed that provisions of obligations which purported to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress ... in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particcular kind of coin or currency, or in anmount in money policy, and ... Every obligation heretofore or hereafter incurred, shall be discharged upond payment, dollar for dollar, in any coin or currency, or which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term investigative consumers report '' means a consumer report or portion thereof in which information on a consumer 's charater, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, freinds or associates of the consumer reported, on or with others with whom he is acquainted or who may have knowlege concerning any items of information. Pease see attached documents.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via debit card and through an intermediary named XXXX and XXXX in the total amount of XXXX USD utilizing JP Morgan Chase services.
Product: Student loan

In XXXX Navient reached a settlement with many states Attorney Generals to cancel over a XXXX dollars in private student loans. However, my private student loans with Navient weren't included on the list of those that were being forgiven. Instead, my student loans were charged off in XX/XX/XXXX without my knowledge. I wasn't sent a letter of warning or final action etc. I thought that my loans were in Forbearance like other federal and private loans. I contacted Navient in XXXX to start a repayment program. I was misled into believing that if I make XXXX payments the rest of my balance would be forgiven. This so-called agreement was not in writing, just over the phone. I took a chance that the representative was telling the truth. I made a payment in XXXX after asking for and being denied over the phone, for a forbearance, deferment, or XXXX related forgiveness. I currently have many ongoing XXXX issues and was contemplating on retiring early under a XXXX retirement. I asked for applications to each program, I couldn't find any applications online, and was told that they would be mailed to me. They never were. I contacted Navient in late XXXX, early XXXX, to learn more about the program only to find out that the program was not a forgiveness program. I informed that I never receive any applications in the mail and that I would need more information before any more payment would be made. I became sicker and was focusing more on my health than Navient 's lack of communication. I ended up in the hospital for over a week then back in the hospital a week later. I didn't know that Navient closed my student loans until I applied for a line of credit. I was just informed this month that I had been charged off 6 months ago. 

Navient failed to send me any notification for years about my student loans. They did not send any statements to me although I would update my address online. I set up auto bill payments and established first contact with the service. I even set up my email to receive statements or communication from the service. On XX/XX/XXXX, after the charge off, I received an email stating that they were updated my address after I contacted them to again ask for a deferment. I was not informed while talking to the representative that my loans were charged off. 

Navient failed me notify me of any action they took. Navient did everything they could to make sure I would fail at paying off my student loans.
Product: Credit card or prepaid card

XXXX  has been non-compliant with removing the unverified account SANTANDER CONSUMER U which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that SANTANDER CONSUMER U was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Possible victim of the 2017 hack against Equifax. Need to update all security and rebuild my security from scratch. This has taken me hours of work and used up a full holiday weekend.
Product: Money transfer, virtual currency, or money service

Robinhood banking co. Restricted my account from withdrawing funds. They asked for proof of verification with a debit card I longer am in the possesion of and have not and has not been active or affiliated with my banking account for 2 to 4 years. The card is deactivated and has been for the same time. I have emailed and called customer services on the XXXX or XXXX of XX/XX/2024 where I was told I could only unrestrict my account if I verified with the old debit card. I recieved a case file in late XX/XX/2024 and filled out the requested forms with proper documents involving bank statements for verification but recieved no response and the case was closed. A new case for my robinhood account was made which repeated the same requests for verification and I submitted proper documents for the second time. I recieved no response and am currently still waiting. Robinhood customer service was vague and near incomprehensible with there demands and ended my call before elaborating any actions. I am still unable to access my funds and have no clear direction in where to go for verifing myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello- I am complaining about Pacific Union Financial not removing the XXXX   30 day late from my credit reports. Pacific Unions practice is to report late only if delinquency runs in to the following month. I had some financial difficulties starting from XX/XX/2018. However, prior to this year, I have not had a late mortgage payment. I submitted my XXXX payment on XX/XX/XXXX during the day through electronic payment postdated XX/XX/XXXX. However, by error the bank that I submitted the payment through XXXX XXXX, mailed a check vs. instantly initiating the ach payment. This error caused my XXXX mortgage to be late. I obtained a letter from XXXX XXXX on their letter head accepting responsibility. Yet, Pacific Union Financial ( the mortgage company ), wont reverse the late payment status. Yes, I pay my mortgage on the end of month, but I always do. And, again, their practice is to report only if delinquency crosses in to the next month. Please help. This is not right of them to choose not to remove the late notice for XXXX just because they have the power. Pac Union asked me to get a letter from XXXX XXXX taking accountability and I did provide it. I also submitted to the three-major credit bureaus myself. 
Thank you, XXXX XXXX
Product: Vehicle loan or lease

I did a payoff settlement and the company representatives has no knowledge whatsoever when I talk to them on the phone.Theyre saying I still owes XXXX XXXX  then another one says they cant give me any more information. Im tired of going threw this I just want my title.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance XXXX {$8700.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection/Charge Off : XXXX XXXX XXXX XXXX XXXXXXXX Late Payment : XXXX XXXX XXXX  XXXX Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Employers : XXXX XXXX : XXXX XXXX
Product: Money transfer, virtual currency, or money service

We received notice from PayPal saying they closed our account and holding almost {$1000.00} until XXXX, XXXX  We contacted them receiving no help We retired and wast the money released
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account : XXXX, US DEPT OF ED/ XXXX  XXXX has violated my rights.

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 an account without my written instructions.

I have never been applied for a US education Loan, I need this account to be investigated, this account is a fraudulent account.
Product: Checking or savings account

On XX/XX/2019 I filed a dispute for unauthorized ACH debits from XXXX. When speaking to the agent on the phone, I asked her to file a stop payment to avoid fees on the account. She refused to file the stop payment and claimed that they can only file stop payments if they know the dollar amounts of the ACH item. When I told her this was incorrect and that they can file stop payments by merchant name/Individual ID, she assured me there was no way.

Two days later and 18 NSF fees later, I received a credit for the dispute, but not the fees. Upon calling multiple times, I'm told I will receive a refund within 24-48 hours, however I still don't see the fees reimbursed and fees are still being added as of today. 

After speaking to multiple representatives with the bank, I still don't have a reimbursement of the fees and they're just now freezing the account. The representative I just spoke with claimed that fees relating to disputes are not waived until the dispute is resolved, typically up to 45 days. 

This bank policy breaks Reg E as fees relating to unauthorized charges need to be waived.
Product: Debt collection

A company named VeriCred Solutions just reported a {$7200.00} balance on my credit report. Prior to this account appearing on my credit report today, I never received my 30-day notice of right to dispute. When I called the company to ask why they reported this debt before contacting me, they would not give me an answer. They just said they were going to sue me. I still have no clue what it is, or where it came from. They are violating several of my individual federal rights, under the Fair Debt Collection Practices Act.
Product: Credit card

Hello CFPB, I am writing to file a formal complaint against Care Credit for failing to review my account for a higher credit limit, despite my consistent good standing and responsible use of the account. 

My Care Credit account has been in good standing since its inception, with all payments made on time and no history of missed payments or negative marks. Despite this, I have made multiple requests for a credit limit increase, yet my account has not been reviewed or approved for an increase. This has caused significant frustration, as I believe I meet the criteria for an increase based on my payment history and responsible credit use.
Product: Debt collection

Looking for help in resolving a misunderstanding that has cost me {$140.00} in late fees and negative impact on credit report. Began earlier this year when I discovered my old Target credit card had expired I applied for a new one. I later learned, however, that my previous online profile does not carry over from one card to another and therefore, the settings I had in place to pay my account in full each month ( as I do with all my credit cards ), had been reset. In addition, I verified the settings were in place after the new purchase, but assume now I was seeing the old online profile. I assumed statements received were duplicative and the account was being paid. <P/>I never received other notifications from Target, by e-mail or by an identified phone caller. What I did receive, which I discovered in hindsight, were repeated robo-calls coming from a non-identified number that never left any voice mails. All this couldve been easily resolved with a simple phone message or e-mail notification. <P/>It was not until I received a letter from the collection agency that I became aware of the matter and when I did, I immediately brought my account up to date. However, by this point, there was no ability ( or willingness ) to adjust late fees and my original a {$56.00} purchase had ballooned to nearly {$180.00}.
Product: Money transfer, virtual currency, or money service

This is in reference to your letter to me dated XXXX XX/XX/2022 about a my complaint # XXXX. 
My name is XXXX XXXX and my email address is XXXX. My address is XXXX XXXX XXXX, XXXX, Texas XXXX. My phone number is XXXX. 
I want to assist you in anyway to process this complaint for me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 prior complaints that were closed by Experian and XXXX, # XXXX and XXXX without resolving the issue. Experian is claiming that they verified XXXX XXXX XXXX XXXX as part of a Chapter XXXX Bankruptcy. XXXX has verified that the same account as being paid off used to be charged off. I have provided credit reports with inaccurate information and Experian and XXXX have failed to delete this item. Also, they failed to remove it as so-called verified Bankruptcy with no delinquent accounts attaches to it. What did I file bankruptcy for if there are no accounts to be discharged? I'm providing proof that XXXX has verified the XXXX XXXX XXXX XXXX account as paid/charge off not a part of Chapter XXXX Bankruptcy. I am also providing proof that XXXX has deleted the inaccurate/incomplete Bankruptcy from my credit report to reflect accurate information. Experian and XXXX have a duty to report accurate, complete, and verified information under the FCRA. Please refer to the complaints listed above for previous proof of my complaint. Experian and XXXX keep sending papers stated I should write a 100-word statement. I have done that several times and keep getting these automated responses. This is unacceptable at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd Complaint about the negligence of the 3 Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of the accounts resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with an accurate and updated credit report immediately. These are the inaccurate accounts that I want them to correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Since XXXX of XXXX RightPath Servicing, also Mr. Cooper, has claimed to have property insurance documents in their possession that they have relied on to determine the borrower provided insurance is insufficient, therefore, requiring XXXX. This claim has been disputed by the borrower since XX/XX/year> and multiple requests for a copy of the insurance document from the servicer has been made. This is a new complaint and should be treated as such due to the servicer failing to provide a copy of this document. The servicer responds with irrelevant information just to have the complaint closed and this practice MUST STOP. A massive mail dump of 15 mailings with no name or address visible was sent, in one day, none of which contain the insurance document requested.
Product: Credit card

I've always ensured timely payments on this account, never letting them become overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Payday loan

Offered XXXX loan, after paying XXXX over a four month period was told I had contributed XXXX dollars to the principal and now I owe over XXXX. Loanme.com I was told the finance charges accumulate every day and that the payments alternate one month you only pay interest one month you pay interest plus a dollar towards the principal amount the interest is about 95 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kohls. Account # XXXX I became delinquent due to unforeseen circumstances. I called during COVID 19. Explained paid. During. Ha the off and asked for delinquent remarks to be removed. The delinquent remarks have not been removed. 
The charge off needs to be removed.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 i sent certified mail to XXXX and Experian ( XX/XX/2024 ) to verify the XXXX debt the accuse me of allegedly owing. Experian never got back to me with info showing who they contacted to verify the debt w/ name and number according to the law. They told me to follow up with XXXX because they could never verify the information. Meaning they never reached out to anyone WHICH IS THEIR JOB. And if XXXX can not be reach and if they are not responding Experian SHOULD DELETE THE ACCOUNTS BC THEY CAN NOT BE VERIFIED. My next step it to file suit against them because this is beyond unlawful.
Product: Checking or savings account

My aunt started a custodial account for my daughter. My aunt passed away in XXXX. On XX/XX/XXXX, at XXXXXXXX XXXX, I spoke with the Branch Manager named XXXX, who said they will hold the account until my daughter is XXXX with no fees. Beginning this year, Bank of America began charging fees and will not reverse the fees or close the account. Every month, they deduct {$5.00} in fees and the account has depleted from {$170.00} to {$130.00}. I went to speak with another branch manager over a month ago, yet the account remains open with fees being deducted and the manager said there is nothing she can do about it.
Product: Credit reporting or other personal consumer reports

Late payments from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> that I have disputed and called each company to resolve this problem.
Product: Credit reporting or other personal consumer reports

Im having issues opening a bank account due to the incorrect reportings from this company. Please assist
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, XXXX, XXXX XXXX multiple times, my Initial date of first contact XXXX XXXX follow up letter dated XX/XX/2023. I asked them to investigate & remove the inaccurate accounts from my consumer report that they are illegally reporting. 

XXXX XXXX, Account : XXXX Capital one, Account : XXXX XXXX XXXX XXXX This is a clear VIOLATION of my consumer rights under 15 U.S Code 1681b -Permissible purpose of consumer report ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( 2 ) in accordance with WRITTEN INSTRUCTION of the consumer, to whom it relates. 

I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. 

15 U.S.Code 1681 section 602 A. States I have the right to privacy.

15 U.S. Code 1666b A. Creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any reason. 

Account : XXXX XXXX, Account : XXXX XXXX  XXXX. Both these accounts are a VIOLATION of my consumer rights According to the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681a ( 2 ) a ( 1 ), except as provided in paragraph ( 3 ), the term " consumer report '' does not include reports containing information solely as to TRANSACTIONS. 

Therefore, I request that my TRANSACTION between Myself and XXXX  XXXX  XXXX, XXXX  XXXX, be updated to what is fair and equitable to me as a consumer. I request Accounts be updated to, PAANL ( Paid As Agreed Never Late to my consumer report. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding that the Accounts LISTED be BLOCKED and DELETED IMMEDIATELY! On XX/XX/2023 I Have Filed a FTC COMPLAINT REPORT XXXX. 15 U.S. Code 1681c-2 A consumer reporting agency shall block reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt by such agency of. ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.