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

Social security number is XXXX On experian theirs XXXX negative items the negative items are credit collection and the other negative item is 60 day late both items are fraud they supposed to be removed from my experian credit report I filed a federal trade commission identity theft report on and on XXXX theirs only XXXX negative item s that's 60 days late it supposed to be removed from my XXXX Credit report and XXXX XXXX theirs XXXX negative items that are charged off they are fraud please have XXXX XXXX also removed all the fraud credit hard inquiries
Product: Prepaid card

Hello! I received 2 American Express gift cards, one through my employer, XXXX and the other through a coworker as a gift. One is a physical card, worth {$1000.00} and was received in the mail between XX/XX/XXXX & XX/XX/XXXX. The other, worth {$750.00}, was received digitally on XX/XX/XXXX at XXXX XXXX. 

I attempted to use these for discreet purchases on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and more, both online and in-store. I attempted to add the cards to my XXXX account and XXXX XXXX. I attempted to make purchases through XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX a subsidiary of XXXX ). Purchases ranged from {$75.00} to {$750.00}. Each of these transactions was declined. 

Upon doing further research in online message boards ( https : XXXX ) and other online platforms, I learned that other consumers were affected by the same challenge. I contacted American Express XXXX XXXX at XXXX on XX/XX/XXXX at XXXX XXXX. I requested a declined transaction history and other details, which the support rep was unable to provide digitally, but did provide verbally. The support rep informed me my issue had been entering the card number incorrectly. This is not the case, as it was declined both in-store and online. Following this unsatisfactory support experience and learning more about the experiences of others, I decided to file with the CFPB.
Product: Student loan

The company Sallie Mae was taken to court for defrauding service members such as myself in XX/XX/XXXX.  My account was settled they issued a notice and release of claims. My loans were to be removed and I was to be paid a fee in exchange for not pursuing any further claims for damages. They were found guilty of fraud thereby violating the terms of the agreement rendering the contract no longer valid. Since then the company Sallie Mae transferred the old loans which were no longer valid to Navient who has now begun to harass me and reported to the credit agencies that I'm delinquent and they split it into 6 different accounts and this remains the status as of XX/XX/XXXX. The calls started in XX/XX/XXXX they pressured me into forbearance while I looked for the old paperwork to figure out the situation. They added on a bunch of fees and interest as well. The matter has already been litigated as I pointed out earlier. I have requested validation of the debt. I have demanded the original hand written promissory note signed between myself and Sallie Mae. I have also requested any and all documentation involving my loan to include the settlement documents from the previous litigation between Sallie Mae and the federal government in the state of California. They have not complied as I doubt they have any of the paperwork or they have it and are aware it proves the case of fraud against them.
Product: Checking or savings account

I am writing to file against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged positing of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transaction settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation.
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 : Chapter XXXX Account Number : Bankruptcy XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

On XX/XX/XXXX I contacted XXXX XXXX XXXX regarding my vehicle loan reaching its end of term but I still had a balance. I spoke with a XXXX XXXX from the organization by the name of XXXX XXXX in which she offered me a Renewal/Reschedule as long as I agreed to the terms. I verbally agreed to the terms and conditions the same day and was sent a Renewal/Reschedule Form to sign in which both my husband and I signed and returned to XXXX via email on XX/XX/XXXX in which she responded that the document was received and approved. 

Based on the new loans terms. My first scheduled payment would be XX/XX/XXXX with a new payment amount of {$370.00}. I confirmed with XXXX and multiple CSR 's that I would be skipping my XX/XX/XXXX payment. All confirmed that XX/XX/XXXX ' payment would be skipped. I made my XX/XX/XXXX before the due date XX/XX/XXXX. 

In XXXX of XXXX I received an alert from all 3 credit bureau 's that my XXXX XXXX has reported that I was 60 days past due for XX/XX/XXXX and 90 Days for XX/XX/XXXX. I filed disputes with all 3 credit bureaus in which XXXX and XXXX removed the negative information internally because XXXX XXXX failed to respond and update inaccurate data. 

Equifax has failed to removed the inaccurate data or get a response from the XXXX XXXX even though my credit reports proves that this information incorrect. I have tried calling the XXXX XXXX customer service line on multiple occasions and no one in that department no how to reach the disputes department. These late payments has seriously hurt my credit rating including getting me denied for credit.
Product: Debt collection

A collection showed up on my credit report from " Allied Collection Service '' in XXXX XXXX, NV ( original creditor XXXX XXXX. After numerous attempts to get Allied to remove collection from my report at the directive of XXXX XXXX the agency hung up on us, then told us to contact the 3 agency 's directly and laughed. XXXX XXXX had tried very hard to help and the finance manager for XXXX had personally called Allied directly to resolve the issue only to be hung up on. XXXX XXXX has detailed notes in the system of the last 2 days of actions. 
The chief compliance officer for Allied Collection Services went as far as to yell that I had a false statement and I was pretending I had a Lawyer. XXXX XXXX XXXX XXXX. ( Attorney at Law ) my attorney for years contacted them and let then know that they were not complying with the request of the original creditor. 
XXXX XXXX has also said they they will take the actions of the agency under review and might terminate the contract because of the behavior and defiance of the management and officers in reference to the unethical way they treated both the XXXX XXXX employee 's and myself. 
Please take my appreciation and thanks in advance for any and all help you might be able to provide. 

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

I sent this letter on XX/XX/XXXX to all the 3 Major Credit Bureaus for investigation on inaccurate data on my credit report. I pointed all the incorrect information from Date of Last Activity, High Balance amount, last payment date etc. all different from each credit bureau. This is impacting me greatly because it is keeping me from making major purchases because of the inaccurate information on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX To Whom This May Concern After recently reviewing my credit report I noticed several inconsistencies regarding account ( XXXX/ Acct # XXXX ) on the date of the last activity section. XXXX is reporting a date of last activity XXXX, Experian is reporting a date of last activity XXXX and XXXX is reporting a date of last activity of XXXX. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately. Below you will find a screenshot of the account. 
XXXX  XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Credit Line Credit Line Credit Line Account Type - Detail : Line of credit Check credit/Line of credit Line of credit Bureau Code : Joint Joint Joint Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$5000.00} {$5000.00} {$5000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$0.00} {$0.00} {$5000.00} Credit Limit : {$5000.00} {$5000.00} {$0.00} Past Due : {$5000.00} {$5000.00} {$5000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the XXXX XXXX. Charged off account Line of credit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX
Product: Vehicle loan or lease

XXXX XXXX claims I am behind on a payment, specifically for XXXX XXXX, when clearly I sent XXXX XXXX of XXXX XXXX, images of each and every payment I have made since the inception of my lease in XXXX XXXX through and including XXXX XXXX. I have paid each month well in advance of the due date. I have also emailed XXXX XXXX images of these checks and electronic payments, all of which have cleared, yet she and XXXX are adamant that I am behind in a month 's payment, and proceeded to hit with penalty fees. I can submit this supporting documents, which my banking representative at XXXX XXXX, XXXX has provided me with. In fact, that representative at XXXX, spent well over XXXX hour on XXXX/XXXX/XXXX on the line, holding for over XXXX minutes, to be hung up by another representative, before ultimately being connected to a XXXX, XXXX XXXX XXXX, who requested the banking images and scans of e-payments. I submitted these to her on XXXX/XXXX/XXXX, yet never heard from her since.
Product: Credit reporting

XXXX XXXX XXXX is reporting a 30-day delinquency on my credit report that is not correct. I have always paid account as agreed and never late. The account is currently in debt management which has been paid as agreed. Although the account is closed and in their approved debt management program, they continue to charge late fees and monthly annual fees. This is not correct and they are not honoring the terms of the debt management plan as agreed. They issued some credits for fees, but have not corrected the erroneous credit report with Experian. I have a separate claims for XXXX and XXXX XXXX to do the same.
Product: Debt collection

XXXX 2023 received calls from collection agent who threatened to sue and freeze bank accounts if any in my name. Also the apartments that put this eviction knew I was moving out due to lease was up and I had no funds to continue the new lease. XXXX XXXX XXXX XXXX was involved with helping with my rent before my lease was up. Lease was completed and manager knew I was about to be homeless with my children. I just recently got my section 8 voucher this month of XX/XX/2023. And the eviction is also their XX/XX/2023.
Product: Credit reporting or other personal consumer reports

They made two Hard Inquires on the dates ( XX/XX/XXXXXXXX  ) and ( XX/XX/XXXXXXXX  ) That affect my credit, which I did not authorize
Product: Debt collection

Cavalry Portfolio Services LLC as assignee of Cavalry SPV I , LLC ; is attempting to collect a false debt and also falsely suing me for debt that is not mine ; that I never had ; as I have never owned or had a XXXX XXXX account that Calvary states they purchased from XXXX XXXX in XX/XX/XXXX in the amount of {$3700.00}. Calvary Portfolio Services claims I owe this debt and has attempted to collect the debt through bank levy. Court files show they have been pursuing me since XX/XX/XXXX and filed suit in XX/XX/XXXX without my knowledge and without ever contacting me. Cavalry and it's associates makes claims to proof of service by substituted service in XX/XX/XXXX at an address I no longer lived at. Cavalry has been attempting to collect and sue/take me to court ; all without my knowledge using an old address to pretend to contact me until XX/XX/XXXX in which I received notice from the county recorder of an involuntary lien recorded. On XX/XX/XXXX I called Cavalrys ' Collections Attorney ; XXXX XXXX XXXX to receive information and dispute debt. They stated I now owe {$7200.00} ; which is a misrepresentation and not what is stated in the lawsuit. I sent a dispute letter and request for validation of debt by certified mail to both Cavalry and XXXX  on XX/XX/XXXX in which they both received. XXXX XXXX XXXX sent me their first correspondence ever stating they were attempting to collect a debt. The amount stated over the phone and on paper are different. The information provided in their correspondence to me does not belong to me ; nor are there any documentation of proof showing that I had such account or that there is a debt owed by me. The file sent to me was incomplete, unverifiable, and inaccurate and the dates do not match up nor are there any signatures or valid information to link me to this false account. Calvary filed in XX/XX/XXXX an abstract of judgment against me which should be stopped immediately. I only know of this recent file by way of the county recorder. Calvary has been attempting to collect a false debt since XX/XX/XXXX. Cavalry obtained a default judgment in which I never knew about in XX/XX/XXXX by using a previous address so that I could not dispute or fight for my rights. A debt collector must serve you with notice of a lawsuit if it sues you. And if it gets a default judgment against you because it failed to serve you with notice of the lawsuit, it is prohibited from trying to collect on that judgment. Collectors are not able to collect phantom debts ; this is violating the Fair Debt Collection Practices Act. Saying I owe a nonexistent debt is in violation.
Product: Debt collection

On XXXX my wife received several calls from this number. They left messages regarding a XXXX XXXX XXXXXXXX whom we do not know. They then started calling my number so i picked up and tried to find out what they wanted. They asked if my mame was XXXX XXXX ... no idea how they got my info since ive never done business with them. Asked me if i knew this gentleman which i do not. And then proceeded to hamg up. I called back curious as to why they were calling us amd they said it was for location purposes for finding this gentleman. This is a collections agency called pioneer credit recovery and apparently and they are trying to locate someone because I was a " neighbor '' at one time. This is absolutely unacceptable calling random people who have never dobe business with them to try and locate someone else to recover debt.
Product: Credit reporting or other personal consumer reports

The following accounts were fraudulently opened under my name : XXXX XXXX XXXX loan of {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX amount of {$940.00} XXXX XXXX XXXX XXXX  Collection amount of {$1000.00} XXXX XXXX Credit Card Balance of {$550.00} In accordance with my rights under federal law, I request the immediate removal of these accounts based on the provisions outlined in the following statutes : 15 U.S. Code 1692c This section addresses communication in connection with debt collection, particularly prohibiting communications regarding debts that have not been legitimately incurred by the consumer.

15 U.S. Code 1602 ( p ) This section defines the terms related to consumer protection, specifying unauthorized transactions.

15 U.S. Code 1601 This provides the basis for consumer credit protection and outlines the need for fair and accurate credit reporting. These laws exist to protect individuals like myself from fraudulent financial activity and to prevent the continued damage caused by unauthorized accounts. 
As I am a victim of identity theft, these accounts have been opened fraudulently, and I bear no responsibility for the debts or actions related to these accounts. I have already taken steps to report this identity theft to the appropriate authorities and agencies, including filing a police report and notifying the Federal Trade Commission ( FTC ). Copies of these documents can be provided if necessary. 

I kindly request that the CFPB facilitate the removal of these accounts from my credit report and ensure that these creditors and collection agencies cease all attempts to collect on these fraudulent debts. This situation has caused significant financial and emotional distress, and I hope for a swift resolution to restore my credit and peace of mind. 

Thank you for your time and assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave Experian authorization to furnish enhanced recovery on my consumer report. This was done without my consent. This account is not mines
Product: Debt collection

On XX/XX/XXXX I checked out my XXXX XXXX  account, I check it quite often since Ive made a conscious effort to get my credit score up. On XX/XX/XXXX my XXXX credit score was XXXX. Its now down over XXXX points because of a collections account Ive never owned. It states on XXXX XXXX it was opened on XX/XX/XXXX, original creditor is XXXX, and owe a balance of {$280.00}. I contacted the reporting agency which is Jeffersons Capital Agency. Also I must tell you I was never sent any type of a Written Notice about this debt collection.When I called, I could not get a hold of a person and so I had to put in my SS # to find out more about this so called account. Through the phone tree, I requested all information regarding this account and all information on verification of ownership. Im still waiting on all of that. However I can tell you XXXX is a mobile communications company, and Ive never ever been with XXXX. Ive been on a family plan from XXXX XXXX XXXX with my brother XXXX XXXX from XX/XX/XXXX- XX/XX/XXXX. On XX/XX/XXXX to present day, I have transferred to my fiancs plan, XXXX XXXX, whom has been with XXXX. I believe I can get documentation from my brother for the time I was with him, and I can definitely get statements from XXXX Please help me resolve this, its so frustrating after all the hard work Ive been doing for my credit.
Product: Money transfer, virtual currency, or money service

I am formally writing to express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety,
Product: Debt collection

I was told by XXXX, that they would run a credit application to get us financial approval to install a new roof on our home. XXXX called back a few weeks later and said we were approved to get the work done! I asked them how much was the approval amount! They stated XXXX! I also asked them, what would be the monthly payment, they stated XXXX dollars! The contractor stated that they would send a crew out to start the job in a few weeks! A few weeks later, they did start the job! Their entire crew only ended up being XXXX guys! These XXXX guys rushed to hurry up and finish the job! They were on top of the roof during the late evening in complete darkness hammering and nailing! The contractor told them to rush so that they could meet the deadline to start the next job! And that is exactly what they did! They did a terrible job, and the quality of work was bad! We did n't receive any paper work until the job was done! The Paper work was not the same! We received different papers on XXXX different occasions to sign! We did n't have the option to to cancel the job in the 3 day period that was stated in the paper work! We did n't know about that option until after the 3 day period had already expired! We did n't think we had a option to decline, especially since the work was now completed! Then we made the first payment of XXXX dollars to Aqua finance company, instead of the pay off amount going to a lesser amount the pay off amount went up in price to XXXX dollars! Then we received a bill statement outlining the details of the loan! The XXXX dollarso only went toward the interest rate, instead of the pay off balance! In order for the payment to go toward the interest and the pay off balance, we must pay the minimal payment of XXXX dollars instead of the XXXX dollars! We are also being charged XXXX dollars late fees for payments not received within 10 days and our APR may increase to the penalty APR of XXXX percent! I blame XXXX for setting me up with this predatory lender Aqua finance! My credit score was XXXX during the time the roofing work was approved! I also got approved to buy a XXXX dollar vehicle during the same period! I really beuylieve, I should have got a better financing option than what I was offered! The worker from XXXX XXXX stated we always go with the first approval! This first approval, is set up for me to fail! This is a total rip off! Please help me get a fair and reasonable loan which is not going to take advantage of me
Product: Money transfer, virtual currency, or money service

I wired {$20000.00} to XXXX with no errors and included the accurate Recipient Instructions/Message number on XX/XX/XXXX. The wire was initiated same-day ( was informed it would be deposited same day ). After two days still had not received a deposit and reached out to XXXX message support form for assistance with a detailed PDF including the Federal Reference Number, Bank Reference Number, etc. After a couple days called the Coinbasewires number and XXXX XXXX, but unable to get ahold of anyone. On XX/XX/XXXX after seven days of no XXXX  response, I requested a wire reversal from my bank. 

I reached out to my bank on XX/XX/XXXX, and was informed my bank is still waiting for the reversal to initiate from XXXX XXXX, i.e., CoinBase, Inc. bank. I have sent another message to the XXXX support group. But unable to get ahold of anybody. 

Case ID # XXXX