23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have tried on several occasions to get Navient to validate XXXX loans. I have asked for proof that these loans in fact belong to me. I have written time sensitive letters, sent them certified mail and Navient has, on several occasions, refused to send me the requested information. In addition, I have requested that while they investigate my claim, that they stop reporting to the credit bureaus. However they have continued reporting despite my request. Many of my requests have been met with simple letters stating that the " consumer disagrees '' and they have updated my credit report saying the same. They have violated my rights on several occasions as well. They have made attempts to charge off these loans but my credit report still shows these loans as being open despite this status change. Also, the collections agencies, XXXX XXXX, made contact with me stating that they now had ownership of the loans in question. To which I sent a certified letter in XXXX asking for the same validation I requested from Navient. Unfortunately, I did not receive a response until XXXX, directly violating my 30 day request. Also, once they did respond, they did not send all of the requested information for all loans in question. I have tried so many different routes to explain to the credit agencies that Navient is in direct violation of my FCRA rights, however nothing has been done. I am trying to buy a house and these loans are negatively impacting my credit, and have been for a while.
Product: Money transfers

In late XX/XX/2016 I received a phone call from an individual claiming to work for a computer repair company. I was told that my computer had a virus that needed to be removed. he told me that he needed to gain access to my computer to install an anti virus program. After watching him do things to my computer for about 20 minutes he told me it was fixed. He then told me the cost was {$190.00} for the program. I put the charges on my credit card. about 5minutes later he told me there was a mistake on there end and they would reverse the funds. he put a form on the screen tor me to fill out, when I placed the amount on the specific line the man on the other end went into instant panic and said " 0h my XXXX sir what have you done? '' I asked what the problem was, he said " I 'm going to lose my job over this one ''. I again asked what did I do. He said that I entered the amount of {$1100.00}. At this point I 'm in panic mode as well and just being woken up early in the morning I was thinking about any thing but resolving the problem. I was on my cell phone as I drove to western union in our local XXXX where I transferred {$550.00} to XXXX separate accounts in XXXX. After the transfers were complete as I was driving home my cell phone died so I tried to call this man back on my land line, when I called the number was no longer in service. At that point I realized that something was not right. I looked at the area code from the caller came from Washington State and I knew my money was gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several request for Equifax to validate several inaccurate accounts on my credit report and they have yet to respond back to my request within 30 days which is a direct violation of the FCRA. These items need to be removed from my credit report ASAP!
Product: Debt collection

On or about XX/XX/XXXX I received a letter from Resurgent/LVNV Funding telling me that my credit card account balance with XXXX XXXX XXXX had been turned over to them, and they were demanding payment. I called Resurgent/LVNV Funding wanting to know how they got my name and address to start with, since I did not owe anything to XXXX XXXX XXXX XXXX I explained that the XXXX XXXX XXXX card I had, had been reported lost on or about XXXX or early XX/XX/XXXX. I then requested Resurgent/LVNV Funding provide me with all documentation from the original creditor, XXXX XXXX XXXX XXXX showing where all the disputed transactions were made along with the date and that they were incurred by me. They failed to do so and/or refused. 
On or about XX/XX/XXXX I received another letter telling me my account had been placed with Resurgent Capital Services and demanding payment. I called and once again explained that the card had been reported lost and that neither XXXX  XXXX or Resurgent/LVNV Funding had never provided me with any documentation from the original creditor, XXXX XXXX XXXX , that the disputed charges were even mine and further explaining that I had spoken at length with XXXX XXXX XXXX after I reported the card as being lost and would pay XXXX XXXX XXXX for the charges which I knew I had incurred and in fact I demanded XXXX XXXX XXXX provide me with all documentation showing any and all transactions on the account at the time and XXXX XXXX XXXX failed never responded to my request. Resurgent/LVNV Funding told me they did not have to provide what I requested and informed me I could lose my house or my car if I did not pay them. 
I then demanded once again they provide me with proof this was my debt and further demanded they cease all communication with me until such time as they provided me with the documentation I requested. LVNV failed or otherwise to refused to provide the documentation requested, and are currently suing me in court on a basis claim further harassing me.
Product: Checking or savings account

On XX/XX/XXXX I deposited {$1300.00} in cash at the Bank of America drive through ATM in XXXX. 

The balance did not reflect in my account so I filed a claim. 

The claim was rejected and because I did not get a receipt there is no way for me to dispute their conclusion. 

The balance adjustment of {$1300.00} will be - {$1300.00} on XX/XX/XXXX. 

If I had gotten a receipt I would not be in this mess and would not be at risk of losing {$1300.00}.
Product: Bank account or service

Chase made a decision to close my account abruptly without notifying me. There has been no history of overdraft nor balance in the red
Product: Money transfer, virtual currency, or money service

I am writing to express concerns with Zelles handling of disputes in light of recent legal dealings that have highlighted major issues with the platform. Despite using Zelle on several occasions and reporting discrepancies, my financial institution and Zelle failed to properly investigate said claims. It was reported that recovering lost funds was impossible.
Product: Credit card

I went through a credit consolidation company to reduce my debts, the program was to be be completed XX/XX/XXXX. Instead of closing my account with Capitol One, Capitol one took the payments that were issued to the agreed account, after it had a XXXX balance and applied them to my other card. The card that had payments placed to it was not in the consolidation and caused my account with the consolidation company to remain open, where I incurred service fees monthly. At no time was there any arrangement to pay on any other account, only the 1 that was listed in the consolidation contract. I feel strongly that this was a breech of contract with Cap.One and highly illegal. At no time did I approve my payments to go to any other account. The accounts, including one in my wifes name, were receiving payments. The consolidation loan was only in my name, so not only did Cap. One make payments that were directed to accounts not in the consolidation agreement they applied money to an account that was n't in my name. I have contacted cap one and their response was it is in their practice to take over payments and apply them to other cards. ABSOLUTELY NOT! That can not be legal. A consolidation company works with the debtors to drop interest and reduce the payments, the open accounts had not been included in this. Had this account been paid off my consolidation payments would have finished XX/XX/XXXX for all the companies in my debt consolidation. being that it was not, I had several months where my payments were being divided between Cap one and a separate debt. So not only did I pay out XXXX months of unnecessary service fees it lengthened my pay off to the other account.
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number XXXX XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Accounts : 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  Inquiries : 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 XXXXXX/XX/XXXX
Product: Checking or savings account

I had to leave the US sooner than planned and move back to XXXX. I had my savings from my year of working in the US in a Marcus by Goldman Sachs savings account. Upon returning to XXXX, I was awaiting the return of my rental security deposit before transferring all my funds from US bank accounts to my XXXX institutions. 

Once this deposit was returned, I attempted to transfer my Marcus by GS balance ( ~ $ XXXX ) to my ( directly linked and previously used ) XXXX  account so I could then transfer to XXXX. After a few days, the funds had not moved. I checked my Marcus app and the transfer had been reversed. I asked Marcus support what happened and they told me a hold had been placed on my account ( with no communication to me ). 

I called Marcus to resolve this. As I had left the US, I no longer had my US telephone number and Marcus do not have suitable alternative verification methods. They are now withholding my funds from me with zero detail on how I can get them back. The latest interaction finished with me being told to call them back in 1-3 business days to see if there are new instructions.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Ive never lived at the address in question. I asked them to prove that they had the right person because it wasnt me and they didnt.
Product: Mortgage

My name is XXXX XXXX and I have been attempting to get a loan modification from my current lender SPS, I was approved a modification with my previews mortgage company XXXX XXXX XXXX and unfortunately my loan was then sold to SPS who did not honer the agreement in place. Now I am facing foreclosure and are unable to re finance the loan nor bring the account current.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I sent in a notice to dispute via certified return receipt # XXXX XXXX XXXX XXXX XXXX and a XXXX XXXX for Receivable Recovery signed for the letter. On day 31 I pulled my credit profile and they failed to mark my account disputed as well as send me any information regarding this alleged account that I owe. This is a FEDERAL and STATE LAW VIOLATION. This is also not the first set of letters I have sent to this company, as they continue to ignore me and my request.
Product: Credit reporting or other personal consumer reports

I'm concerned about these unfamiliar inquiries on my credit report. I didn't authorize or consent to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress  and XXXX.
Product: Debt collection

I have no knowledge of any debt that I would owe. I noticed this collection on my credit report from Gold Key Credit INC. I tried to call them to find out about why is this on my report, as far as I know I had no {$400.00} medical debt. I waited on the phone for someone to answer then all the sudden the phone disconnected. If the debt is mine, I have no problem paying it. I just want to verify that it is mine and they wont even answer the phone so I can learn more about this debt. the XXXX is the one listed on the site.
Product: Checking or savings account

I have made multiple complaints in relation to the Citibank call center. First, they do not understand English or the American culture. I tried to open a complaint but had no assistance from the call center. I spent close to {$500.00} within three months related to the phone service provided by Citibank. You are on hold for more than 40 minutes. More specifically, I travel to XXXX with high frequency. I was in XXXX XXXX in the month of XXXX. Prior to my XXXX XXXX arrival. I had a layover in XXXX and items were stolen from my checked-in bag. I was forced to make a payday loan. I made a loan with XXXX XXXX XXXX for {$250.00} on XX/XX/2021. I received an email offering me XXXX XXXX dollars. They contacted me and wanted confirmation of all my information, bank account, debit card #, address, and telephone numbers. I thought it was legitimate. They deposited {$490.00} into my account on XX/XX/2021. I was told that they wanted to verify my account and made the deposit. I called Citibank when the deposit occurred to check its validity. The agent that I spoke to concur that it was legitimate, so I continued with their procurements. They asked for their money back and I made the payment via XXXX XXXX. They requested two payments, one of {$270.00} and the second payment of {$220.00} which I complied. I did not feel comfortable with the situation. I told the person that was calling me that I was no longer interested in their loan. On XX/XX/2021, the check was deemed with no funds, and funds were taken from my account. I did everything in my power to ensure the check was valid, but it still was a scam. I wrote to XXXX XXXX XXXX and they stated I was a scam. I had the most difficult time in trying to relay this information to an agent. I was given like XXXX telephone numbers to call and make a complaint. They did not understand the concept of payday loans or the American loan system. You are placed on hold multiple times with long periods of wait. Due to my travels, I always have to be in contact with Citibank with issues of my travels. I am never satisfied with the service. The communication is horrific. I know that I will have to wait for a long time. Today, I called the center. The agent that took my call could not understand me. I had some items debited from my new debit card. I was issued a new card last month due to the theft in XXXX and the scam. The agent told me that they can debit items as long it is XXXX. I told the agent the reason the debit card was replaced was for fraud. Why would I want the people that had my card to have the ability to debit more items from my account. I had to work individually with all merchants that debited my card. The issue I had was that the agent thought she put me on hold and was talking to her coworkers for a long time. When she came back to me she stated that she could not do anything. These scammers have changed my PIN and informed her of such. She said nothing can be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously neglected which I considered being unprofessional on the Bureaus end. This will be my final endeavor to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate deletion of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Bank account or service

I relocated in XX/XX/2014 and found there are no Key Bank branches in XXXX. Shortly after that I saw online that my checking account was being overdrafted due to interest charges and late fees on my overdraft line that caused the overdraft line to be over limit. I called the customer service line and told them I had not been receiving statements. I had multiple contacts with them during which I asked for statements, advised of my new address and requested to close my accounts they failed to update my address and refused to close the accounts. I received letters stating I owe and get calls while I 'm at work but still do n't receive statements ( even though I was promised that I would ). The letters are sent to my former address so they have n't even updated that. I also asked about how I can make payments and some representatives have allowed me to make payments via phone while others tell me this option is not available. I feel the conflicting information is a means of deceiving me and preventing me from paying so that they can continue to assess late fees. 
Finally in XX/XX/2014 I was directed to call my old branch in Indiana ( why had n't the numerous previous representatives I had spoken with advised me about this? ) and they were able to assist with closing the checking account. I called back to customer service and explained I had difficulty paying the account and asked if there was any way to work out an arrangement for monthly payments and no interest. I was told that this could be done but it was n't and the overdraft line kept accruing interest and late fees but Key Bank still was n't providing billing statements. 
In short, I have notified Key Bank of my address multiple times but they have failed to update it. I have requested billing statements but they refuse to provide it. I 've been lied to about acceptable methods of payments, how interest will be accrued, and that statements would be sent. Key Bank has refused to work with me despite my explaining I 'm willing to make regular payments. 
Perhaps the most disturbing thing is that they charged overdraft fees on my checking account due to late fees and interest that they assessed on my overdraft line even though they failed to provide statements for that account. This is an unfair and predatory practice. It is essentially a double jeopardy with the bank unfairly penalizing me for a situation that they created with their own negligence in failing to properly update their records upon notification.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 My vehicle was repossessed. After some time I was allowed to retrieve it after paying necessary payments and fees in late XXXX. Since, the account has been shown as closed on my credit report with XXXX, XXXX and XXXX. When it is open and up to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all identity theft warnings from my credit report. I have warnings to call me before any credit is opened under my name, preventing me from getting new credit. Thank you.
Product: Credit reporting or other personal consumer reports

Ive been trying to have XXXX XXXX XXXX  update and correct report and DELETE late payments.I even submitted a complaint through cfpb my contract with XXXX lenders began XXXX XXXX but I have false payments and transactions reporting on my credit reports dating back from XXXX XXXX. Pursuant to FCRA F section 1681s-2 ( a ) you must delete any incorrect information being reported on my report. I have included a photo of my contract with XXXX XXXX XXXX as evidence of this inaccurate report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following addresses with Experian that are not my addresses and they don't delete them. I have attached my Drivers license and a current bank statement with my only address I have lived at since birth. I also see 7 variations of my name and none of them are my only name which is XXXX XXXX XXXX XXXX Please delete all other variations of my name
Product: Checking or savings account

Opened on XX/XX/XXXX, a saving account online. Online application went to pending contingent on receipt of account being funded. Check mailed to fund account XX/XX/XXXX. To date have not received any correspondence or notification of account opening. Attempted on XX/XX/XXXX, to initiate chat to determine account status, including providing all requested details, and chat agent ended chat prematurely. Also attempted to call to determine status of account and was placed on a continuous hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen, my personal information is incorrect. I notified experian, XXXX, and XXXX more than 60 days ago. XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

company by the name of XXXX XXXX said that i had a contract to use there garbage disposal service. I never heard of this company until about XXXX years ago when a derogatory event was put on my credit report and the bank reduced my credit line buy XXXX XXXX dollars. this company is trying to extort money from me what can i do? the collections agency harassing me is called CREDIT SERVICE INTL. PHONE XXXX XXXX XXXX THE AMOUNT THEY ARE TRYING TO COLLECT IS {$260.00} ACCOUNT # XXXX