23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had 3 Private Student Loans Navient that were included in my Chapter XXXX Bankruptcy Case Number XXXX - The bankruptcy was discharged on X/XX/16. Navient sent a letter to my ex-husband, XXXX XXXX, stating that I was no longer responsible for the loans and they also sent me refund checks for each account for moneys that I had paid. The three credit bureaus have been reporting all three of these accounts as past due instead of showing them included in the bankruptcy. I believe XXXX and XXXX are now corrected because of a previous complaint through CFPB, however, XXXX continues to show them as past due and claims that they have confirmed with Navient that I still am responsible for the loans. I attempted to call Navient twice, however, they said they have no loans in my name and can not talk to me about the loans that are now in XXXX XXXX 's name only. I have attached documentation regarding the bankruptcy, the letters and refund documentation from Navient and my identification documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never applied for credit with XXXXXXXX XXXX  I was in XXXX XXXX in 2016. I would never qualify for credit. The only loans I have are for two federal student loans. I went to apply for a car loan, and they told me that I had a loan that was charged off. Again, I have never entered into any formal agreement with this bank. I demand this information be deleted immediately. I am also notifying the Colorado Attorney General 's office. This matter is causing me tremendous emotional grief and distress. 

Thank you for assisting me in this matter.
Product: Debt collection

This company is calling over 8 times a day from different phone numbers. Ive asked them to stop. Theyve called me after XXXX as well. This is harassment at this point.
Product: Credit reporting or other personal consumer reports

UEI has violated U.S. Criminal Code and 20 U.S.C. 1097 under Access to Department of Education information technology systems for fraud, commercial advantage, or private financial gain. which includes fines and imprisonment up to 5 years. Any person who knowingly and willfully embezzles, misapplies, steals, obtains by fraud, false statement, or forgery, or fails to refund any funds, assets, or property provided or insured under this subchapter or attempts to so embezzle, misapply, steal, obtain by fraud, false statement or forgery, or fail to refund any funds, assets, or property, shall be fined not more than {$20000.00} or imprisoned for not more than 5 years, or both, except if the amount so embezzled, misapplied, stolen, obtained by fraud, false statement, or forgery, or failed to be refunded does not exceed {$200.00}, then the fine shall not be more than {$5000.00} and imprisonment shall not exceed XXXXne year, or both.

I do not trust UEI and do not acknowledge this debt in its Entirety. 
I applied for a loan from the government for the purpose of completing a college course and received no check, no payment of a loan, and didn't complete highschool nor the college class at UEI. Yet UEI college insisted I apply for a loan and the XXXX XXXX. I was approved for both and have yet to receive any funds or credit. I believe UEI as embezzled my Loan as the purpose of applying was to receive a check with my name on it from the Treasury. As I have still not received payment UEI insists I owe them a debt. My Factual evidence is attached and is a " Master Promissory Note '' created by UEI that I have never lawfully signed. UEI had intentionally forged my signature and embezzled my funds. This is a breach of contract aswell as illegal as UEI did this to intentionally and solely to benefit themselves and enrich themselves as they most likely done this to every student that's ever walked through their doors. 

It even states on number XXXX of the promises on the MPN verbatim, " I promise to pay to ED the full amount of all loans that I recieve under this MPN in accordance with the terms of the MPN.
Product: Student loan

I requested a XXXX XXXX relief refund XX/XX/year>. It has now been a year and Mohela still has been giving me the run around. They keep telling me XXXX business days. I wait and call XXXX business days later and they say they have to resubmit my refund and to wait another XXXX business days. I ask for documentation and they refuse to send it. 
They are unlawfully keeping my money from being returned to me. It was submitted at the correct time. I call and get different answers every time, feels like Im being lied to just to get me off the phone.
Product: Consumer Loan

Fell upon hard financial times! XXXX business went under, had to sellshares of another business to cover due from share holder! went through a long costly divorce! 
I changed from office/owner to hourly employee! with a drastically pay cut! 
I found myself homeless ( house foreclosed on! ) and owing money I could not repay! I called Region 's Bank and explained to them my status! They ( same day I called ) immediately came and took ( repossession ) Motor Home! Yet after them taking Motor Home my Debt with them went UP! they did not give any value ( for what they sold it for )! They keep showing recent payments! I have notmade any payments to Region 's Bank for Motor Home once theyReposed it! 
Due to my misfortune 's and the Banks tactics I have no choice butto file Bankruptcy!
Product: Credit reporting or other personal consumer reports

On XX/XX/year> - I sent out a letter to EXPERIAN, XXXX AND XXXX regarding a few inaccuarate inquiries Ive came across on my credit reports that weren't authorized by me. ( Documents attached ) On XX/XX/XXXX - A month went by and after hearing nothing back from neither of them, I followed up by sending an additional 30 Day Follow Up letter to each bureau. 

On XX/XX/XXXX- I received a letter from XXXX stating that they needed a copy of my drivers license and social ( which I in fact did send along with the letter ) and stated that process could take an additional 30 days. 

On XX/XX/XXXX - I also received a letter from XXXX which was in fact nothing but a copy of my credit report with attached instructions to dispute online. 

I still have yet to hear back from Experian regarding the inacurate inquiries since XX/XX/XXXX.
Product: Debt collection

XX/XX/year> Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX, MN XXXX RE : Notice of Violation of the Fair Debt Collection Practices Act Dear Jefferson Capital Systems, I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX XXXX XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

With that, my demands are as follows : You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; A settlement agreement that I may retain for my records. 
Monetary compensation in the amount of {$1000.00}. 

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 

Sincerely, XXXX XXXX Account XXXX XXXX
Product: Checking or savings account

Marcus XXXX XXXX  advertised a promotion that said to add {$10000.00} to Saving account for 90 days and they would credit account {$100.00} bonus. I did that and kept added funds in savings account for 91 days before moving some of it to a Marcus CD.

I called Marcus to ask why I never received the bonus I was told it needed to stay in account 90 plus 10 additional days.

Some of the Marcus advertisements do not mention the additional 10 day requirement. In addition many of the financial bloggers that promote this offer do not mention the added 10 days either.

The fine print is so complicated that many people cant understand it. Marcus advertise the 90 days, not 100 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX  Account illegally sold the debt to XXXX XXXX XXXX. in accordance with Colorado Law SB 20-211 and the Fair Credit Reporting Act ( FCRA ). 

Colorado passed a law ( SB 20-211 ) prohibiting judgment creditors from initiating new " extraordinary '' collection actions, unless specific legal requirements were met. Under this law, before taking any action in the nature of a garnishment, attachment, levy, or execution to collect or enforce a judgment on a debt as defined under the Colorado Fair Debt Collection Practices Act, the creditor has to notify the debtor about, and provide the debtor with, a garnishment and collection suspension, if requested. 
As permitted by SB 20-211, the Administrator of the Uniform Consumer Credit Code extended the right to get a garnishment and collection moratorium through XX/XX/2021. 


In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX 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 a account without my written instructions
Product: Checking or savings account

I attended an online webinar at XXXX on Thursday XX/XX/2020 and purchased a digital product XXXX XXXX XXXX  invoice # XXXX using my debit card which has the mastercard logo. and the company ran it as a credit card purchase. Friday I was notified that I lost my job and income due to the pandemic. I immediately contacted the company and was transferred to voicemail and I also sent email through their system requesting cancellation and a refund. I heard nothing friday from them or over the weekend. On Monday the charge posted to my account and I called XXXX XXXX XXXX XXXX XXXX. I then reached out to my bank Pinnacle to see if they could assist me. Within 2 hours of that email I received email from XXXX from XXXX saying I had exceeded my 72hr refund window. I have never accessed any of the material because I want and need a refund. I then submitted a dispute with my bank and have been notified their final determination was against me. 
Why can't the transaction be disputed as a credit card because that is how the company viewed it? If I make online purchases I use XXXX but that wasn't an option in this case and I am in a Chapter XXXX bankruptcy and I don't have a credit card anymore. But I was under the impression that the logo made it a credit card transaction as long as the PIN wasn't used.
Product: Credit card

I am very frustrated with American express. American Express customer service is horrible. I just opened a blue cash everyday credit card account few weeks ago ( in XXXX 2015 ), and then I received a pre-approval mail today for the same Amex Blue Cash Everyday credit card with a better promotion offer ( {$150.00} cash back bonus instead of only {$100.00} bonus ) under my name and the same home address of mine. I called to ask if they can grant me the promotion of the mail that I received since my credit card account is relatively new ( only a few weeks old ), plus I received this mail offer ( with the same credit card product ) from them directly. After over an hour repeatedly explained and waiting due to I was being transferred around to different departments and agents for several times, and then only got an answer from a supervisor ( agent ID XXXX ) basically saying sorry, a bad luck. I even tried to contact American express via other social media, such as ask Amex on twitter, and they informed me that there is no direct email that I can contact regarding my concern, and they can not do anything. I was extremely upset and frustrated with their service. I just do not understand why they advertise me a promotion offer that they can not grant. What is the point of advertising / sending me an offer IN MAIL to me directly ( with my name and address on ) for a credit card product that I just obtained ( exactly same credit card product ) few weeks ago, and then told me there is no way for me to receive such promotion. This is ridiculous. 

I still have the physical copy of the advertising / promotion mail that I received, and I will keep it for further actions if it is needed. 

Thank you so much for the help.
Product: Debt collection

We have limited time to work with you before we must return your Crown Asset Management, LLCXXXX XXXX acct to our client. See your options at XXXX or call XXXX. This text is from XXXX XXXX a debt collector. Reply STOP to opt-out Ref # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XX/XX/XXXX Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. This information violated the section 620 of the FCRA for not reporting accurately XXXX XXXX Account Number : XXXX This account never missed a payment. Please investigate and update the late payment status under the two-year payment history immediately However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax, XXXX  and XXXX  on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been almost 5 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been almost 150 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Product: Credit reporting or other personal consumer reports

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

Unauthorized credit inquires and fraudulent accounts opened without my consent. 

Inquires 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 SYNCB /TJX XXXX XXXX XXXX XXXX SYNCB / Walgreens 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: Mortgage

Notified the servicing company on XX/XX/2019 that I had been downsized and was unable to make payments on my home. I was looking for a short sale solution. No response. Researched their website and found the application for short sale. Completed and submitted the form with requested attachments. Finally got some response from the servicing company and they arranged an  appraisal. By the end of XX/XX/XXXX we had an approved short sale agreement which expired XX/XX/2019. Repeatedly contacted servicing company to set a short sale target price. No response from anyone. Left both voice and email messages. Short sale agreement expired on XX/XX/2019 with no reduced price. Signed with a new realtor and suddenly was sent a copy of the appraisal from the servicing company.  The realtor reviewed the appraisal and set a short sale target price himself. Still no input from the service company. I resubmitted a short sale application. We received 2 offers on the home. The second short sale application was approved on XX/XX/2019. Offers were submitted. I was told they would process in 30 days. That did not happen. Early in XX/XX/XXXX I was served foreclosure notification. In spite of repeated attempts I still can not get a response from the servicing company on the short sale offers. The realtor has had a similar experience trying to get information from the servicing company. Not sure what to do next. The total lack of communication from the servicing company leaves me in an untenable position.
Product: Checking or savings account

XXXX demanded that I repay a wire transfer for about {$21000.00} I received from a client in XX/XX/2023. That request was not from my client. I declined. Chase closed all my accounts without explanation and has held frozen my funds for XXXX weeks. Still dont have my money. They refuse to provide any explanation or justification.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following fraudulent accounts on my TransUnion credit report, My information was heisted and these accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report which I believe violate several provisions of the Fair Credit Reporting Act ( FCRA ). Fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 request the immediate removal of these accounts under the FCRA, specifically 15 USC 1681e ( b ), 15 USC 1681s-2 , 15 USC 1681 ( 5 ), and 15 USC 1681c ( c ). Furthermore, as per Law 605 B, these fraudulent accounts should be eliminated from my credit report.it is imperative that TransUnion address this matter in accordance with the FCRA. 
Please find enclosed a copy of my TransUnion credit report, highlighting the fraudulent accounts mentioned above. I request that TransUnion promptly investigate this matter and delete these erroneous items within 30 days of receipt of this letter, as mandated by the FCRA. I appreciate your prompt attention to this matter. I look forward to receiving written confirmation of the removal of these fraudulent accounts from my credit report. Thank you for your time and cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX  XXXX Balance Owed : {$3900.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$1800.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$3200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX
Product: Credit reporting

On XXXX XXXX, 2015 I bought a new car. The car dealer, without my authorization, submitted my information to multiple financial agencies which resulted in XXXX hard inquiries. I have contacted TransUnion multiple times but their instructions are unclear and when I send information to try and solve this issue it never works. I have XXXX hard inquiries in my credit report, XXXX of which are unauthorized I will thus like them removed.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$9200.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$150.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$260.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$400.00} XXXX # XXXX XX/XX/XXXX -- {$100.00} XXXX # XXXX XX/XX/XXXX -- {$190.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$200.00}