23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX and XXXX placed a collection account on my report in XXXX stating that I owed Military Credit Service over {$3000.00} well I contacted XXXX  and talked to a lady by the name of XXXX XXXX at XXXX and she said that I didnt have not ever had an account with Military Credit Services and gave me the number to XXXX XXXX XXXX who owns supposedly XXXX XXXX XXXX at the following numbers and to let him know the account is inaccurate and that he can contact her. These are the numbers given XXXX and XXXX. XXXX XXXX said to talk to him because he would be able to remove it off of my credit since it is not accurate. She also stated that he could call her and the only account I had was XXXX XXXX who is a sister company, but that account is over 2 decades and has been sold numerous times, they also went out of business years ago and I included them in my XXXX XXXX  back in 2001 in Texas which she saw. I contacted XXXXXXXX XXXX XXXXXXXX and talked to a XXXX @ XXXX and she said XXXX XXXX was on vacation and she placed a dispute with the company so that he can get back with me but no one has. They have placed said account on my credit without validation of debt. I have never had an account with XXXX and XXXX XXXX verified it. If they ( XXXX XXXX XXXX ) try to say they sent me a certified letter which seems to be a pattern with them in all the claims I have read against them on the XXXX  they consistently state they sent out letter but I have NEVER received one. I can verify it due to I have informed delivery with the USPS and it shows all the mail I ever received for this year with screen shots of all mail as a preview to show what is coming. I am requesting that XXXX XXXX  XXXX removed Military Credit Services because they are posting fake information in other words fraud. This is all my proof of what XXXX XXXX  XXXX has placed on my report as fraud, fake and wrong information. This unaccredited company has violated my rights as a consumer and I request the account be removed from my XXXX credit report due to failing to adhere to the FCRA guidelines. I have enclosed screen shots of how corrupt XXXX XXXX  XXXX is and the tactics they use repeatedly on others and are doing the same with me. They never validate their collection accounts and leave the consumer in despair. They need to be dealt with in accordance by law.
Product: Debt collection

This company continues to violate my consumer rights by reporting inaccurate information on my credit file and trying to make that account seem like it's new when it's closed and old and have been reinsert on my credit file to make my credit look bad. I have proof down below to show how this company continues to do so. 
They also said that every time I dispute this account they said they verified it which I know they haven't verified nothing. There has been no consent that I gave or permission to do so which make this account be in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX  XXXX XXXX XXXX Date opened XXXX XXXX, 2017 Balance {$9400.00}
Product: Credit reporting or other personal consumer reports

signed up for experian boost, gradually adding bills & eventually I realized they had real time access to my checking accounts I realize now that several times my boost bills would spontaneously drop off and I had to sign in and re-submit them.., I believe this is why I eventually just gave them full access to my checking account, because I was tired of seeing my credit score go up and down. 
However, a few large drops in my score had no explanation whatsoever even after hooked up with bank accounts daily hourly reports in real time. 
After securing a decent credit card in spite of this prior roller coaster with my score, I cut off access from my bank 's end I now have had months of dire warnings on the part of Experian about drops in my score & " hook up '' your bills again before " date '' deadline. 
I was tired of appearance of credit score growth only for them to drop bills off the roster forcing me to regularly sign back in and in most cases restart the record of each of these " lost '' bills history, so I never really was getting anywhere but stressed.
Product: Credit card or prepaid card

Greetings, Most recent disputes on XX/XX/22 and XX/XX/22 included supporting documentation via fax which the bank states they have not received despite successful fax confirmation. 

I phoned bank on XX/XX/22 to discuss and was supposed to receive a phone call by XX/XX/22. No call was received. Upon calling XX/XX/22, agents stated that there were notes that a call was made to me on XX/XX/22. There is no record in my call log of any such attempt. 

My time and finances are being disrespected. Attached evidence provided.
Product: Checking or savings account

On XX/XX/XXXX I tried to make a purchase at XXXX. It was declined because my card was frozen. I immediately called the bank and checked on online banking. I noticed 4 charges to a XXXX XXXX accompanied by international transaction fees. The transactions were as follows {$35.00} with a international transaction fee {$1.00}, {$34.00} with a international transaction fee of {$1.00}, {$35.00} with a international transaction fee $ {$1.00}, and {$34.00} with a international transaction fee of {$1.00}. Well Fargo immediately canceled my card and I filed a claim with them. On XX/XX/XXXX all the international transaction fees were reimbursed to my account. I was notified by email that claim investigation was finished. I did not see that the funds had been replaced in my account. I called well Fargo claims department and they informed me that my claim was denied. They said I could not appeal or fight it. They said they denied the claim because my chip was tapped ( something that I didnt even know how to do until days after the claim was filed ) in the purchase and they have no information that chips can be duplicated. No one contacted me to ask any questions. I informed them that I googled chip duplication and it can be done. They said that because XXXX tells them its not possible they had to deny my claim. I asked if my money was safe. They would not answer that question. I asked if this has happened to other people because I didnt make this purchase and I cant be the first. He said they get 50 similar complaints a day and they are denied.
Product: Credit card or prepaid card

Fortiva credit card has 2 credit card accounts that were opened as a result of identity theft. Ive sent documentation verifying that however they continue to not honor the request to investigate and remove the fraudulent accounts.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and fraudulent accounts have been added to my credit file. As such, I request that the following accounts and inquiries be blocked and deleted from my credit report, as required under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts to Be Blocked and Deleted : XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$48.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$23000.00} Fraudulent Inquiries to Be Blocked and Deleted XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 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 reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments XXXX XXXX XXXX  Account XXXX XXXX Dear CFPB, I am writing to formally dispute the inaccurate reporting of late payments on my XXXX XXXX XXXX account ( XXXX XXXXXXXX ) as reflected on my credit reports from XXXX, Experian, and XXXX. These inaccuracies are unjustified, and I am requesting your assistance to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 
Account Details : Account Information Across All Bureaus Account Number : XXXX High Balance : {$19000.00} Monthly Payment : {$330.00} Account Type : Auto Loan Account Status : Open Payment Status : Current Summary of Discrepancies : XXXX : Late payments reported for XX/XX/XXXX and XXXX XXXX are incorrect. 
Experian and XXXX : Late payments reported for XXXX, XXXX, and XX/XX/XXXX and XXXX XXXX, as well as XX/XX/XXXX, are incorrect. 
Reason for Dispute : These late payment reports are inaccurate and inconsistent with my actual payment history. To the best of my knowledge, all payments for this account were made on time and according to the agreed-upon terms. 
It is my understanding under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) that consumer reports must not include inaccurate information or information solely reflecting transactions between the consumer and the reporting entity unless verified as accurate. 
Additionally, per the FCRA, credit reporting agencies are obligated to ensure the accuracy and completeness of reported information. I have previously disputed this information with the credit reporting agencies, but the errors persist. 
Request for Resolution : I kindly request that the CFPB intervene and ensure compliance with the following : Conduct a thorough reinvestigation of the reported late payments for the periods in question. 
Update my credit reports to accurately reflect my payment history as " Paid As Agreed, Never Late. '' Provide me with a written description of the investigation process, as required under 15 USC 1681i ( a ) ( 7 ), within XXXX XXXX of completing the investigation. 
If you can not verify the accuracy of the reported information, promptly delete the late payment records as mandated by the FCRA. 
References to Legal Obligations : 15 USC 1681i : Requires consumer reporting agencies to ensure that disputes are handled with due care and that results are promptly communicated to consumers. 
15 USC 1681s-2 : Prohibits the reporting of inaccurate or incomplete information.

15 USC 1666 ( b ) : Establishes that periodic statements must be sent in a timely manner and include all legally required information. 
Conclusion : I expect this matter to be resolved within the timeframe specified by the FCRA. Failure to address these inaccuracies promptly and thoroughly will be considered a violation of my rights under federal law. 
Thank you for your immediate attention to this matter. Please confirm receipt of this dispute and keep me informed throughout the resolution process. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Student loan

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, The XXXX XXXX XXXX XXXX XXXX. 
As a matter of fact, The XXXX XXXX and their Parent company, XXXX were investigated by the attorneys general of several states and have been found to have acted in a fraudulent manner. 
Because of the numerous claims of fraud and misconduct perpetrated by The XXXX XXXX, the XXXX XXXX has just announced a blanket discharge for anyone enrolled at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. 
My XXXX loans in the amount of {$58000.00} are being XXXX and my credit repaired. 
I am aware that Navient was sued by XXXX state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were XXXX " preferred '' lending company in a " deal '' with these schools during the early XXXX 's. 
These private loans with a high risk of default were part of a package deal offered to " for profit online schools '', but loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. 
I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of the borrowers scammed into taking loans to at least XXXX for profit online schools. 
After the XXXX settlement, didn't Navient also get out of the XXXX student loan business due to scrutiny from lawmakers and borrower advocates? 
Didn't Navient have to pay restitution to the XXXX student loan borrowers for not informing students of XXXX XXXX XXXX could have enrolled in, but instead steered toward forbearance? 
Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a XXXX XXXX XXXX program by which Navient is sending out " applications '' to select students who XXXX have filed XXXX XXXX claims against their schools and were approved. 
This application is a sham. 
Why do we need to prove anything? 
Navient knows who we are. 
Under the XXXX " XXXX XXXX '' Navient is liable for giving predatory loans in connection with online for-profit schools. 
XXXX is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. 
XXXX XXXX XXXX has sent a letter to Navient 's XXXX  asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW!
Product: Debt collection

WHAT AN INCREDIBLE IDEA! This account is something I am unaware of. How come my credit report is reflected there? For this account, I want verification! With this account, I am not under any agreement.
Product: Debt collection

My medical debt was paid for by my insurance company and I paid the rest owed. Bull City Financial calls on a daily basis and has ruined my credit score. This is medical debt paid and Ive been treated like a XXXX. I am a single mother with a XXXX child, this is causing me horribly unduly stress on me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a significant number of hard inquires on my credit report. 

I do not recognize nor authorize these. I have written to the credit bureaus but have not heard back yet. 

I demand all hard inquiries by someone attempting to make me a victim of identity theft remove ALL the hard credit inquiries as well as any address other than XXXX XXXX XXXX, XXXX XXXX, Sc XXXX. Some have XXXX but have not removed it despite my request. 

One company even sent me a letter stating they had researched these credit places - which should all have a freeze on them!!! I have letters from all gf them that the credit line is frozen!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT CARDS OEPNED UNDER FRUAD : XXXX XXXX opened XXXX XXXX and closed XXXX XXXX. 

XXXX XXXXXXXX XXXX opened XXXX XXXX and closed XXXX XXXX. 

XXXX XXXX opened XXXX XXXX and closed as a charge off in XXXX. 

CHECKING/SAVINGS ACCOUNTS OPENED UNDER FRAUD. 
XXXX XXXX  opened XXXXXXXX XXXX XXXX  opened XXXX twice XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  CHECKING /SAVINGS XXXX XXXX XXXX XXXX XXXX  XXXX. 

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

Americollect is incorrectly reporting a medical debt they assumed and first reported XX/XX/XXXX as a new debt opened XX/XX/XXXX. The original debt was from a XXXX XXXXXX/XX/XXXX and they purchased the debt and reported it starting XX/XX/XXXX and it is now listed as a new debt opened XX/XX/XXXX. This caused significant damage to my credit ( a XXXX point drop in score ).
Product: Credit reporting

Hi, I just attempted to obtain a free copy of my credit report from Equifax online, using the official website listed by the FTC ( XXXX ). I was able to get to the Equifax free report website and provided all the requested information. Without any explanation ( i.e., no message that my information was incorrect ), the site directed me to fill out a paper form and send it by traditional mail. The paper form required a lot of additional personal information that is not required for obtaining an online report. By doing this, I believe that Equifax is attempting to circumvent the free online service that it is required to provide. Please look into this issue. 
Thanks.
Product: Prepaid card

I want to file a complaint against Bank of America Prepaid. I've been experiencing problems with them for XXXX years. After multiple disputes, my claim for a debit card sent to the wrong address was approved. I was issued a check that I am unable to cash because I can not open a bank account anywhere. 

I tried to cash the check at a check-cashing place, but it was above their limit. I have a Durable ( Financial ) Power of Attorney naming my daughter, as the power of attorney. Although it was approved by Bank of America Prepaid, it hasn't been added to my account. Because of this, her account is in the process of closing. 

After taking legal steps to endorse the check, she printed her name and added " P.O.A '' before her signature. Despite visiting the Bank of America branch multiple times and contacting customer service, I have not received any helpful assistance. The customer service representatives I spoke with were unable to direct me to the appropriate person. 

Uploaded POA Page XXXX not added identification documents are page XXXX. ( ID.SS.Card )
Product: Mortgage

An error was made in the escrow analysis by Flagstar Bank that has resulted in Flagstar Bank charging me nearly {$2000.00} extra per month, unnecessarily. I have provided documentation from my town 's tax collector confirming the correct tax liability for the escrow analysis, and Flagstar Bank has ignored me. They have not responded to my request for a new escrow analysis and persist, now for the 5th month straight, in over- billing me by nearly {$2000.00} a month. I have sent numerous emails and made several futile phone calls, suffering through their phone system like a rat in a lab experiment. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and their collections company, XXXX XXXX XXXX, have reported to Experian and other credit reporting agencies that I defaulted on an invoice in the amount of {$730.00} for an address in XXXX, Texas. The invoice does not belong to me and I have filed an incident report that this invoice is fraudulent and the companies have used my name and Social Security number to collect this fraudulent invoice without my consent. I have never been to XXXX, Texas and I do not have family there. Any use of my name and social security number is not authorized and the XXXX invoices are not mine.
Product: Credit reporting or other personal consumer reports

I have informed all third parties entities of the XXXX privacy rules clear and conspicuous notice of the financial institutions information sharing policies and practices. The privacy notice must be provided when a customer relationship is established.Providing customer the right to opt out of having their nonpublic personal information shared with non affiliated third parties.financial institutions must process opt-outs within XXXX days or refrain from disclosing account numbers or similar forms of access codes to any non affiliated third parties for marketing purposes..15 USC 6809 ( 4 ) 15 USC 6809 ( 3 ) Ive asked for the consent form and have been ignoredXXXX XXXX, Equifax are non-affiliated third parties entities. Im asking CFPB to enforce these laws under the Gramm-Leach-Bliley Act with authority.6809 ( 9 ) 17 CFR 248.124 15USC 6802 ( d )
Product: Student loan

So as you guys know I have already sent a complaint to Ascent Funding LLC already about my invoice. Today the invoice is due and the director of compliance stated at this time they are unable to pay invoices submitted by consumerd. This is an issue because there is no law that says they are allowed to ignore a remedy or payments required from them because they violated a consumer. There is no law that states the debt collectors inability to pay an invoice is acceptable and should be accepted as a response by the consumer. Their networth is over a million so theres no reason they can not pay an invoice that wouldnt have been created if they followed the law in the first place. I can issue another invoice for this matter including the violations from the first invoice along with the violations concerning the payment of this second invoice but, I wont need to if they follow this first invoice. Also, I asked before in the previous complaint against them that if there were any issues with the invoice, they need to contact me before the due date. They did not follow that complaint or aspect of my remedy so I have the opportunity to send another invoice concerning that violation as well. And just to clarify that I need that payment by XXXX XX/XX/2021, there is no law that states the debt collectors inability to pay a violation invoice is an exemption from actually paying the invoice.
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 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 XXXXXXXX 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 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX continues to list a debt incorrectly as follows : XXXX XXXX  XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Account number-XXXX Date opened, XX/XX/XXXX, Account type- Debt Buyer Status-Collection account. {$2300.00} past due as of XXXX XXXX. 
Status updated-XXXX XXXX Payment summaryXXXX shows balance of {$2300.00} with current month delinquent. 

XXXX made a complaint to Experian including uploading the bankruptcy discharge documents. Result is this debt remains incorrectly listed as " current delinquent account. '' There should be no " Amount due '' and this item should not be reported as a current delinquency. 
This debt should only be listed as " Discharged in bankrupcy XXXX ''