23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I enrolled in the Freedom Debt Relief, program, for 2 years I paid the monthly sum of {$350.00}, I was assured that my debt would be substantiated In 2018, I sold my home, I enlisted the aid of a real estate attorney to finalize the sale, upon finalization of the sale said lawyer insisted I use the proceeds for the sale to pay my debts, upon revealing my initiation into the FDR program, the lawyer denied my use of the program an insisted I pay my debts, When I reached out to Freedom Debt Relief, they refused to reimburse the funds and didnt substantiate any progress, and bitterly ended the call. Stating we have to be paid! 
I believe XXXX, took my money, and didnt payoff any of my debt, alas, I am at this point trying to establish the assistance of said real estate lawyer and they are refusing me any assistance as well as retaining, monies held in escrow Please help
Product: Credit reporting or other personal consumer reports

Equifaxdid not do an accurate investigation in providing the factual details to my dispute they lack of maintaining complete and accurate records. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts does not belong to me as I provided the written statement from my ex fianc that he takes full accountability for opening them in my last complaint yet they blantantly ignored the statement. And if they did a thorough investigation they would contacted all parties involved including my ex which I provided his contact info. Not contacting my ex only proves they did improper investigation.Furthermore In accordance to the Fair Credit Reporting Act, my rights have been violated .under 15USC 1681section 602 states I have the right to privacy. 15USC 1604A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Not contacting all parties involve shows their Bias and only believing and recognizing what the reporting agency is providing and overlooking facts
Product: Debt collection

Got a letter in the mail said I owed XXXX XXXX XXXX. In XXXX not my home in Florida. Called them and they said they wanted additional personal information such as a copy of my driver 's license and electric bill. I thought this unwise and told them so. They proceed to tell me if I do n't give it to them they will keep calling, affect my credit rating and maybe take me to court. The entire approach is guilty until you prove yourself innocent. Since I have never been to XXXX, never rented an apartment in XXXX, and never asked for XXXX XXXX to be installed anywhere at anytime and could prove it I felt intimidated by their call. I made a personal trip to their office but they were unable to tell me when this transaction occurred. I have sent them XXXX letters explaining my life over the last 30 years but not providing them any other personal information. I have filed an FTC report and put a fraud alert on my credit reports.
Product: Vehicle loan or lease

Navy federal credit is showing on my credit report as a charge off. Charge off are considered income and should not be on my credit report. i have asked several times for them to remove the account from my credit report which they have replied that they will not
Product: Vehicle loan or lease

I have a 2019 XXXX XXXX. My monthly payments are {$520.00} a month. My car note is due the XXXX of every month. I made My first payment on Friday XX/XX/2019. My account was set up for auto pay at the time. My payment didnt post to the account until Tuesday XX/XX/2019. I had Called Santander Consumer USA to let them know I was paying a week early. If they can void or take off the auto pay so that way I didnt charged for a second time. I stressed It. They told me it would take a couple days for the payment to get posted to the account. I was Fine with that. On Monday XX/XX/XXXX I woke Up to a unauthorized transaction on my account after I just Had paid my first car note. So I was not understanding why this Charge was being made. I called them. I made Call after call because I was frustrated. I was Told that the auto pay was still on when it shouldnt have been. They wanted to see the transactions on my bank statement. I didnt have access to a fax machine and was told. I could Just email it over. Then I called Back again because the negative balance was still there. I had Explained to that what I was Told and they said they dont do email. Just fax. I was annoyed. To constantly have people tell you one thing then a complete other thing. On Tuesday XX/XX/XXXX they did a reversal. I was still upset because I had Money in my account that I was going to see on top of an over draft few that I had To pay. On Wednesday XX/XX/XXXX I woke Up to another unauthorized transaction. I had About {$86.00} in my account. Leaving me with a negative balance of {$430.00}. I was Furious. Ive had to keep calling to complain. I guess they retryed the payment for a second time. I had Again explained to them over and over again how I had Already made my first payment. How thWhy keep taking money from my account. Again they said they need me to send over a transaction I did. They told me theyd talk to their finance team. Ive called and called any chance I had to clear this unauthorized transaction. I was told they could see that I talked to someone who put in a referral or what it is called and said They had something pending on their end but I didnt. I checked my bank statement. During all this Im working with my bank and I cant do anything because I had to wait for them to retry the payment for a XXXX time. I cant close out the account. Not touch it. Ive had money taken out of my account I didnt have multiple times and Im being XXXX of over draft fees. I can complain over and over and over but I havent got anywhere. I was told I can file a complaint but I probably wont get any of my money back. When I told the representative I did not have a pending transaction she kept saying they needed to see a statement showing I did. But there was nothing. Im tired, Im exhausted I think I could understand if this was something on my end not so much. I just want to be reimbursed and the money they took from me. I have a list of all the transactions and everything else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached all exhibits & affidavit of truth Experian is in full violation & will be receiving further detail & instructions in the mail
Product: Credit card

My account was closed recently for XXXX returned payments. XXXX of the payments that were returned was because I had XXXX and was experiencing some hardship. I spoke to a representative regarding this and they reassured me that this would not affect my account. After my account was closed I tried to reach out to the company to have it reopened amd my request was denied. I've been with this company for over 7 years and I am asking for a resolution.
Product: Student loan

I submitted a complaint regarding Aidvantage to the CFPB on XX/XX/XXXX. The CFPB and Aidvantage did not resolve my complaint. 

Aidvantage has been communicating to borrowers, including me, suggesting the urgency of enrolling in autopay. They then scheduled student borrowers to begin automatically making payments in XXXX despite the federal freeze going until XXXX. 

I have now received an apology from them saying they failed to send me info about my account in XX/XX/XXXX but they are sending it now. See attached image. The communication clearly is about me being enrolled in autopay but it also mentions the federal freeze. 

It is clear now that Aidvantage failed to notify borrowers of their enrollment in autopay because the company knew many borrowers would unenroll if they were away of the federal freeze on payments and XXXX intention to ignore it. 

CFPB needs to actually take action.
Product: Credit reporting or other personal consumer reports

I am requesting your help in addressing an incorrect account on my credit report. This situation has damaged my reputation, and I urgently need your assistance. The mishandling of my credit report has caused me great distress, and the incorrect reporting has negatively impacted my reputation. It's imperative that these issues are resolved so I can live peacefully with my family.
Product: Checking or savings account

I'm as the bank. To Stop On a money transfer On the next day I call Someone tell me She didn't see anywhere I Put Any stop payment And She tel me I have Go find money To cover For dad Bill The bank Still send t he money Where I don't want it to go N charge me {$30.00} For stopping payment I want my money back
Product: Checking or savings account

On XX/XX/XXXX, the NJ division of taxation advised me I did not submit a tax payment in XXXX. On XXXX  I provided a copy of the check from my XXXX account that was cashed. On or about XX/XX/XXXX. I complained to my state senator who in turn contacted Nj division of taxation. Nj division of taxation requested that I ask XXXX XXXX where the check was cashed. Trowe price advised me the check was cashed by JPMorgan Chase and provided the routing number. JP Morgan Chase cashed my check which was NOT properly endorsed by the Nj Division of Taxation. New Jersey does not cash checks through JPMorgan Chase. It uses XXXX XXXX XXXX JP Morgan Chase does not respond to my calls because I do not have a checking account with them. They owe me {$2200.00}. Plus approximately {$200.00} in interest penalties that I have to pay NJ Division of taxation. 
PLEASE NOTE I DO NOT HAVE A CHECKING ACCOUNT WITH JP MORGAN. They improperly cashed the attached check which was payable to the NJDivision of taxation not to the individual or entity which endorsed the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit reports I noticed that you are alleging that the following accounts are Charge Off without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove this negative and adverse remarks. 

XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$2900.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$8900.00} XXXXXXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$7700.00}
Product: Student loan

To be clear, I currently have my loan paid in full. I had to take out another loan to pay the student loan off once it was sent to Navient. Navient placed up to 82 % of my payments toward interest instead of principal. It appears they utilized my inability to pay more on my loan at the time to increase the duration of the loan and, therefore, increase their profit toward interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX inquiried about my credit on or about XX/XX/2018 without my permission. I authorized this dealership to submit a XXXX credit application only. XXXX XXXX XXXX inquiry was suppose to be a soft inquiry but shows as a hard inquiry. I notified XXXX XXXX XXXX of the error and their finance manager provided the attached email for clarification. I tried to attempt to dispute this inquiry on Experian website but there was no option to do so.
Product: Checking or savings account

Over several years I have been receiving overdraft fees from the beginning of 2017 to present. 

The CFPB is ordering XXXX XXXX to refund more than {$80.00} XXXX to consumers, stop charging illegal overdraft fees, and pay a {$15.00} XXXX civil penalty to the CFPB 's victims relief fund.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we should eliminate any erroneous accounts from my credit report. Please examine the documents, as there are inaccuracies in the reported amounts and dates.
Product: Credit card or prepaid card

Date of Issue : XX/XX/2022 Location : XXXX XXXX XXXX I was propositioned to attend a " no obligation to sign up timeshare presentation '' for XXXX hours. I was repeatedly told that I did not have to sign up for anything. My personal information ( social security, address, date of birth and income range ) were required for this presentation to receive their " gifts and best rates '' Their gifts were XXXX tickets to the XXXX XXXX. 
XXXX pulled my credit history and opened a credit card in my name without my written or verbal consent. XXXX and XXXX showed a hard pull and a new account. I received a physical credit card for {$4500.00} from XXXX Bank and a letter declining to open a XXXX  Rewards card through XXXX. I had to file for Identity Theft to resolve this issue. 
The business used my personal data without my consent to open a fraudulent credit card. This impacted my credit score and my credit history negatively.
Product: Credit card

Was notified in a letter dated XXXX XXXX by capital one visa my " card information may have been stolen due to a data breach at a business where I recently shopped. '' Called capital one customer service on XXXX XXXX to simply get the name of the business. Was refused the information and told I needed to contact visa customer service. When I did, they refused the information and was told i needed to conact capital one. When I spoke with a supervisor at capital one customer service was told it was policy not to give out that information. I believe I have a right to know which business in which I shop had the data breach, and obviously capital one visa knows the business name and refuses to inform me.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more.

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I have a negative 28points meaning 28 points subtracted from my XXXX credit score for Capital One it reads a remark is added to your account from Capital One.I called Capital One I was told everything was fine on there end. I called XXXX  XXXX thats the only one reporting this so far XXXX they said it came from Capital One. I have a XXXX balance and never been late on this account opened about 2 years ago. Im trying to buy a house and this information is not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to violate the XXXX  discharge that we received on XX/XX/XXXX. 

The XXXX XXXX XXXX was filed on XX/XX/XXXX and XXXX on XX/XX/XXXX. XXXX received notice from the court, as well as me. I responded to XXXX debt collection emails on XX/XX/XXXX, XX/XX/XXXX, XXXX, and finally today, XX/XX/XXXX, all reminding them of the XXXX  and provided discharge documents. XXXX has instead chose to wrongfully and injuriously report further delinquency to my credit report. 

Credit disputes continue to receive incorrect information from XXXX, despite providing the court documentation.
Product: Checking or savings account

Opened an account with Chase in person, received all documentation for the account along with debit card. The next day I received a later stating that my account will be closed and no reason was given. I called on XX/XX/18 after I received the letter, and the agent couldnt find a reason either. Only that the decision is non-reversible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, DC XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX, XXXX Washington XXXX DC XXXX Subject : Complaint Against Experian for Reporting Inaccurate Information Dear Sir/Madam , XXXX am writing to formally file a complaint against Experian regarding inaccurate reporting of information related to my XXXX credit card account. I noticed today XX/XX/2024 that I was deducted XXXX points. I should have not been deducted points.This inaccuracies violate the Fair Credit Reporting Act, specifically under 15 U.S. Code 1681, which emphasizes the importance of accuracy and fairness in credit reporting. 

My XXXX credit card closing statement date on the XXXX of every month. However, I have noticed discrepancies in the information reported by Experian. I have Enclosed my recent credit card statement and screenshots demonstrating that Experian has deducted XXXX points from my credit score. 

These inaccuracies have caused me undue stress and may affect my financial opportunities. I respectfully request that you investigate this matter and take appropriate action to ensure that Experian corrects these errors in my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
Product: Money transfer, virtual currency, or money service

On XX/XX/scrub> 2024, my friend had their identity stolen and someone hacked into their XXXX and posted items for sale. I reached out over XXXX regarding XXXX of the items. I was requested to put a {$2000.00} deposit on the item via Venmo. Immediately after sending the money- they requested for another {$2000.00}. I called my friend on their cell phone and learned that they were hacked and it wasnt my friend who I was talking to on XXXX. I immediately called Venmo to report the fraud. I filled a complaint with local police and IC3.gov. During my call with Venmo, they said the transaction is already posted ( even though I called within 30 minutes ) and that all they can do is file a dispute. They said they only recommend sending money to friends and family, to which I responded I thought I was sending money to my friend. They said I am still responsible for the {$2000.00} and have to work with the criminal to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is a follow up to a previous complaint # XXXX. I am pasting here the text of an email I just sent to Experian regarding ongoing issues with the company, including harrassment. 



XXXX XXXX XXXX XXXX XXXX XXXX Attachments XXXX XXXX  ( 5 minutes ago ) to support To whom it may concern : I have made several complaints about your Experian Boost program, specifically the failure of the program to adhere to the policies expressed on your website. After months of my payments for my utility bill and other bills which are easily seen being made monthly .. I have complained on your facebook messenger account and via twitter. I did this after I was apparently blocked from complaining on your website. I have had my credit rating change for the better over months from what it was, but it appears there is an intentional effort to hold me in a fair credit rating ... My credit rating was raised by 2 points on more than one occasion, Last week after I complained to you and after frustration to the Consumer Financial Protection Bureau, the CFPB mailed my complaint to your agency who said they were waiting for your response., ... Subsequently in a couple of days I received a notice saying congratulations for doing a good job, my credit rating was raised by one point, I also received a notice saying I was now eligible for a different credit card,,,,, the other cards were removed and a new high interest card with fees was added. 

In addition a couple of days later I received a package in the mail .... Upon viewing the package there was in red writing " XXXX XXXX XXXX XXXX XXXX '' When I opened the package, ,there was indeed a XXXX pamphlet. There is no denying it was from your agency because the stamped address was XXXX. XXXX XXXX XXXX, Texas, XXXX ... .However, the company name was not on it I am attaching photos of the envelope and pamphlet. 

This type of behaviour by employees of Experian should be unacceptable, I hope someone with moral character/credibility will respond to me with an apology and solution for the ongoing problems I have faced ... This is a systemic issue ... as I have faced other problems over decades with your company and other credit reporting agencies .... Truth crushed to earth shall rise. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX, Texas XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX  XX/XX/2018 EXPERIAN INFORMATION SOLUTIONS RE : Requesting a Method of Verification Letter RE : XXXX XXXX XXXX  XXXX   Dear Sir/Maam : I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding erroneous items on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, with my address and social security number, dont know how you did it, but, its not correct because XXXX XXXX XXXX DOES NOT have that account number attached to THIS ADDRESS! And you are electing to leave it on my report.

I am absolutely certain that the items I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this deliberate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record.

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible.

Very Respectfully, XXXX XXXX
Product: Debt collection

XXXX president XXXX XXXX as attached she admitted to the types of activities that XXXX, XXXX, XXXX XXXX, XXXX are involve IN MD. 
Photoshop BWW LAW FIRM AKA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. is a MARYLAND State licensed attorney as co-conspirators as attorneys debt collector for Defendant XXXX ' member XXXX fka XXXX as successor to XXXX as trustee FOR ramp XXXX????, XXXX ( assignments from indecomm global services and claim are worthless. 
This is exactly what the XXXX appellate judges said when I listened in on an appeal -- that they had several occasions in which on the same docket, two completely unrelated parties both claimed to be the holder of the original note and both claimed to have the right to foreclose. 
The appearance of apparent " wet ink '' signatures clearly means that the pretenders have graduated to more sophisticated forgeries of documents using the miracles of modern technology. 
The Foreclosure Complaint conceals facts and is deliberately disoriented to sow confusion that at it states the Mortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from this account. Block and remove it. 
XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Applications were done in my name and this has hurt my credit and credit score. I have contacted Experian and the representative said they would be removed but I still see them on my credit report. This is making me anxious and causing me unnecessary stress.