23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XXXX XXXX 2019 I purchased XXXX  made XXXX T-shirts and underwear for {$290.00}. The website used a XXXX name. It turned out the website was in XXXX and when the underwear arrived it was a different brand called XXXX. The t-shirt had written on the front XXXX XXXX XXXX. I did not order any writing on the t-shirt I filed a billing dispute and JP. MORGAN Chase United Explorer Card Chase the card issuer. Chase claims to have conducted a reasonable investigation but could not have. I provided a picture showing the XXXX  tshirt. They could not have really investigated. I was sent cheap underwear instead of high quality underwear. The seller in XXXX refused to accept a return. They just kept saying the shipping dept must have sent the wrong items. XXXX XXXX
Product: Student loan

XX/XX/XXXX : I called to report financial hardship. I was placed on forbearance without informing me what they were doing, this later ended in crisis in XX/XX/XXXX by having to pay {$900.00} in interest alone. 

1st.- After my call with NAVIENT on XX/XX/XXXX in regard to the request of changing my plan, the Representative redirected me to the Federal Aid website for the application. The Representative NEVER mentioned she was going to place my account on Forbearance, NEVER mentioned that this will recruit a high amount of interest. Navient has many issues related to the hidden information of their plans to its borrowers as this has happened with my account. After I was directed from Navient to the Federal Student Aid website, I submitted my Income with taxes. In fact, they required my wife to open an account for verification purposes. So, during my application on their website, I submitted my proof of income through the FSA websites. I never received any further communication from Navient asking for my Income whatsoever.

2nd When I called Navient on XX/XX/XXXX to request information for my new application for XXXX, the Navient Representative changed my status without my authorization and my knowledge. I noticed this change when I received a direct email from my Navient account that this change was made on my account. I called to report to this representative the same day I received the notification, but no one helped me to file a claim against the representative who did change my status without my consent. So, I would like to take the opportunity to request you how I can report this agent and I would like to also make a copy of this report to the Federal Student Aid agency since this was very arbitrary.

I have attached to this request the ONLY NOTIFICATION received in XXXX when I requested to apply for Income-Driven Plan, but they placed me on Forbearance. And they said it is my fault because I did not send proof of Income, which is not true because The Federal Student Aid department was the one who asked me to do it for the application and I did it with them, I NEVER received a notification from Navient after XX/XX/XXXX asking for proof of my income. My application for the Income-Driven Plan was through FSA. I also attached the notification I received from Navient on XX/XX/XXXX after a Navient representative placed on Forbearance without my knowledge and consent. I noticed this change after I received the notification and made a call to Navient for correction. As you can see, there is an arbitrary behavior to place students on Forbearance without their previous knowledge. I would like Navient to provide the agents name who did this to my account and make a complaint in regard to this situation as well. 

Please, do not allow Navient to investigate themselves. They are going to cover their failures with excuses and blaming the student
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey i am still waiting on a response regarding a file of Incorrect information I disputed last month. I know it's been over 30 days and I don't have any investigation Results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/XXXX, I tried to login to my Trans Union credit account, only to find that I was locked out. A customer service phone number was provided and I called and spoke with a representative who reset my password. Upon trying to login again, with the temporary password that was sent, I got the same message telling me that my account was locked. I was then informed by the Trans Union customer service agent that I needed to be transferred to a support manager for further investigation. I was transferred over to XXXX ( Reference # XXXX ). XXXX informed me that my account was permanently locked due to suspicious activity with my account. XXXX informed me that I was only allowed access to my credit report by calling in and requesting it. I asked XXXX about what steps I needed to do, to regain access and XXXX told me that my account is locked for life. 

So, my understanding from Trans Union customer support agent is that because someone hacked, violated, trespass, manipulated my account, I am no longer able to have access to my Trans Union account. That doesn't seem fair, honest, or even legal. And how do I know the validity of my account being fraudulently hacked/accessed? What substantiates that claim!? And why was I not made aware of " suspicious activity '' on my account? 

Under SB-1121 of the California Consumer Privacy Act of 2018, I am allowed access to my credit report ; however, Trans Union is denying me access to that via the web site ; like 99.9 % of all US consumers XXXX
Product: Credit card or prepaid card

The Bad Guys are Paypal!!!!!! Thank you for contacting us about your recent PayPal XXXX XXXX transaction in the amount of {$74.00}. 

We are researching the transaction but need you to send us the following statement, in its entirety, to assist with the dispute : Please reply by XX/XX/XXXX. You can simply reply to this email, send the information to XXXX, or fax it to us at XXXX, Attn : DC Chargebacks. Make sure that you include XXXX in your subject line or on the coversheet. 
Transaction Date XX/XX/XXXX, Transaction Amount - {$160.00} USD, Merchant Name XXXX & XXXX XXXX  XXXX - Transaction Date XX/XX/XXXX  Transaction Amount - {$22.00} USD, Merchant Name XXXX XXXX XXXX XXXX - Transaction Date XX/XX/XXXX, Transaction Amount - {$11.00} XXXX, Merchant Name XXXX XXXX  XXXX XXXX NY - Transaction Date XX/XX/XXXX, Transaction Amount - {$14.00} XXXX, Merchant Name XXXX FILL XXXX XXXX NY - Transaction Date XX/XX/XXXX, Transaction Amount - {$67.00} USD, Merchant Name XXXX XXXX XXXX - Transaction Date XX/XX/XXXX, Transaction Amount - {$12.00} USD,  Merchant Name XXXX XXXX HA - Transaction Date XX/XX/XXXX, Transaction Amount - {$9.00} USD, Merchant Name XXXX XXXX # XXXX XXXX - Transaction Date XX/XX/XXXX, Transaction Amount - {$3.00} USD, Merchant Name XXXX XXXX XXXX XXXX  also have to pay out {$75.00} in late payment fees in all of my bills and utilities and student loan payments and car payment along with rent! because the bad guys shut the account because i told them the truth! 

*I did not authorize the following transaction : XX/XX/XXXX XXXX {$74.00} *The transaction is unauthorized because : From The Bad Guys
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint about XXXX credit reporting agency as I have been spending months hours and days trying to correct 2 incorrect things on my credit report. Today again I went to re-dispute this information online and the system will not allow me to do so. I received a message that I already disputed this information and they will not re-dispute it for me again. This is completely wrong as they will not correct this issue and it is causing a negative effect on my credit score which in turn is causing me a hardship in obtaining credit. My first complaint is : 1 ) XXXX XXXX XXXX is  reporting as a accounts that are potentially negative. I have contacted corporate office in regards to this information and it has been confirmed with them that this will be deleted off my report. That was months ago. It still is reporting and this information is completely wrong. 2 ) XXXX account was paid in full over 3 years ago and it is still reporting as potentially negative. This should n't even be reporting as negative as I mentioned earlier this was paid in full. The company has since gone out of business so I do not know how they are verifiying this information accurately. This as well should not be reporting on my credit file. This is like a full time job trying to correct wrong information on my credit report. I am being penalized and my credit score is being affected by this. I keep my credit in good standing and pay all my bills. It 's not there credit nor there score. I am furious that I am spending so much time trying to correct this information and have it removed from my credit report.
Product: Credit reporting or other personal consumer reports

I had my XXXX  account for 3 years with a near-perfect record of payments. in XXXX I tried to log in on my phone from the app as well as the browser on my laptop and could no longer log in with my 2-party authentication using my phone number which was the same as my account. I emailed them dozens of times and called a phone number I found on XXXX where I was only met with an option to leave a message. They never responded to any of my emails and never returned any of my messages. every " your account is past due email I received, I would reply and tell them I was locked out of the payment portal and no one ever replied. Since then, they have been reporting negatively on all of my credit reports, causing me a financial burden in obtaining credit. I have still to this very day NEVER received a reply email back regarding my locked-out account, only " past due '' emails and settlement offers. I even just recently, received an email from them offering a settlement where I responded with screenshots of my dozens of emails from XXXX  telling them I'm locked out and can't make a payment, needing assistance in accessing my account... and was sent a robot blanket message back.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Tx. XXXX Date : XX/XX/XXXX To : CFPB Dear XXXX, Re : Unauthorized Sale of Debt Information by XXXX XXXX XXXX XXXXo Portfolio Recovery Associates , LLC I am writing to formally dispute the recent report of a debt being sold to Portfolio Recovery Associates , LLC, XXXX with my XXXX XXXX XXXX XXXXccount. According to the records Ive received, this debt was purchased on XX/XX/XXXX, without my permission to sell or transfer my data to Portfolio Recovery Associates. I assert that this transfer of information violates my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., both of which govern the unauthorized sale of consumer debt and personal data.

I would like to highlight the following legal precedents that support my argument against the unauthorized sale of my debt : XXXX. FTC XXXX XXXX XXXX XXXX XXXX. In this case, the Federal Trade Commission found that the improper sale of consumer data, without consent, is a violation of privacy rights under federal law. 
XXXX. XXXX XXXX XXXX XXXX, XXXX ( No. XXXX ) In this case, the court ruled that any debt assignment without prior consent from the original consumer is an actionable violation of consumer privacy. 
XXXX. XXXX XXXX Portfolio Recovery Associates , LLC ( XXXX ) In this decision, the court found that the transfer of a debt without proper authorization or consent from the consumer can lead to claims of improper debt collection practices. 
Given these findings, I request that you thoroughly investigate the source of the debt and the transfer to Portfolio Recovery Associates , LLC. Please provide me with any supporting documentation that verifies I gave permission for the sale or transfer of my debt. 
I expect a response from you within the next 30 days. Should this matter not be resolved promptly, I will pursue all available legal remedies to protect my rights. 
Thank you for your immediate attention to this matter. Please feel free to contact me at the above-listed phone number or email address should you need any additional information. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again. This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. 

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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$990.00}, {$8900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I sent transunion, XXXX, and XXXX a dispute regarding incorrect information on my credit report and its been past the allotted time of their investigation but they have yet to fix my issue and the incorrect info on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I checked my credit report, I realized that there was an excessive amount of inquiries that had been ran without my consent. I disputed each on its a total of 12. As of last month Equifax XXXX   and XXXX both said they couldnt find anything and with that being said they couldnt do anything. I wrote back again saying these were unauthorized and basically fraud. They said they closed the investigation. My thing is I think they should know that its excessive inquiries, who runs there credit like that back to back. Up to now my history has never shown excessive pulls like this. Furthermore I have a fraud alert to call me before extending or running my credit.
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulted from an alleged identity theft, not later than 4 business days after the date receipt.

under 15 U.S. Code 1681e ( b ) and 15 U.S. Code Under 1681i ( 5 this account in violation for not reporting 100 % accurate. 

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
These accounts has violated my rights. 
Pursuant to 15 USC 1681 section 602 A states I have the right to privacy. 
Pursuant to 15 USC 1681 Section 604 A Sedi 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 
I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will requil you to delete all the list of items above. You are required to do what am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.
Product: Debt collection

On XXXX, I received another call from D2 Management wanted me to take a message for XXXX XXXX which one of many calls. They are calling me on my cellphone and not the home phone. Any creditor I have does not have access to my mobile phone number. 
The last person I spoke to was asked to remove my phone number and to cease calling me. I called spoke XXXX-to phone to request a cease and desist with the phone calls. I told her I do not give my mobile number to any creditor nor anyone else but family. She says so you are XXXX and continued to ask how they got my phone number ..she says youre only making it harder on yourself and we will get you. After threatening me, XXXX hung up in my face so I call back for an address. She placed me on while I was talking then came back to phone. I told I would file the complaint through an agency. I do not owe anything to any creditors nor do I owe any money to a debt collector.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern : I am writing to formally complain about Experian 's failure to properly reinvestigate inaccurately reported late payments on my credit report associated with my XXXX account, number XXXX. These errors are negatively impacting my XXXX XXXX. 

In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX ( a ) ( XXXX ) ( XXXX ) ( XXXX ) ), Experian is required to conduct a thorough reinvestigation when a consumer disputes the accuracy of the information in their credit report. Despite my disputes, the following payment records are incorrectly reported on my credit report : XX/XX/XXXX : 30 days late XX/XX/XXXX : 30 days late These inaccuracies must be corrected, and I request their immediate removal from my credit report. 

I formally request that Experian provide me with a copy of the reinvestigation report, including detailed documentation and evidence that justifies the conclusion of the investigation. It is crucial for me to understand how the reinvestigation was conducted and to verify that the procedures followed were appropriate and that the final decision is based on concrete and verifiable evidence.
Product: Credit reporting or other personal consumer reports

I am refiling this complaint to EQUIFAX there are errors and inaccurate information in my reports such as the date of last activity, date opened, date reported, payment status, charges or amounts and etc. However, when I checked my report, I did not see any changes made at all. Inaccurate and erroneous information is still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction. 
I have also attached my FTC report with the report number XXXX
Product: Debt collection

I requested a " pay in advance '' loan a long time ago. I went into really difficult situation with some family medical issues and I did some arrangement with that company to make monthly payments. But now they hire a collection agency that is really harassing me, my family and at my work. I told them to send me everything by mail but they refused to do this and they keep really harassing me. I want that they stop this.
Product: Credit reporting or other personal consumer reports

my disputes are not being investigated properly. its coming back validated without any proof. ive asked numerous times and nothing is being done.
Product: Checking or savings account

I have a Citibank /Citigold account and I opened a 1 year CD # XXXX on XX/XX/XXXX for {$250000.00} at a 4.75 % interest rate. The CD matured on XX/XX/XXXX for {$260000.00} and there was a grace period of 6 days from XX/XX/XXXX to XX/XX/XXXX and I was advised by Citibank on XXXX separate occasions that I would continue to earn the 4.75 % interest rate on the CD for the full 7 day grace period following maturity. Instead I was credited incorrectly for only {$2.00} for the 6 days from XX/XX/XXXX to XX/XX/XXXX instead of what should have been interest of {$200.00}. 
I have called Citibank 5 times but each time I receive an unacceptable reply that they are still working on it. They put an investigation into the incorrect interest credit under the Reference # XXXX. It's been 2 months now and they have not resolved this nor have they sent me a letter or called regarding the error. I have not been credited for the correct amount of {$200.00} to this date.
Product: Checking or savings account

Subject : Complaint Regarding Unfair Return Check Fees Navy Federal Credit Union Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Navy Federal Credit Union regarding multiple return check fees that I believe were unfairly charged to my account. Each fee was {$29.00}, and they were assessed on the following dates : XX/XX/scrub> 2024 Return item fee : {$29.00} XX/XX/year>2024 Return item fee : {$29.00} XXXX XXXX, 2024 Return item fee : {$29.00} XX/XX/scrub> 2024 Return item fee : {$29.00} I have been experiencing financial difficulties that have made it challenging to keep up with my bills. Instead of providing assistance, Navy Federal Credit Union imposed additional financial burdens through these fees, exacerbating my situation. This has not only caused unnecessary stress but has also made it even harder for me to regain financial stability. 
I am requesting a refund for these fees, as well as a review of Navy Federal Credit Unions policies regarding return item charges. It is disheartening to face penalties when I am already struggling, and I believe these fees have been excessive and unfair. 
I appreciate your time in reviewing my complaint and look forward to your assistance in resolving this matter. Please let me know if you require any additional information. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this to try and resolve an issue that is still appearing on my credit reports. I noticed a collection several months back on my credit reports and contacted XXXX XXXX XXXXXXXX XXXX - " XXXX  '' - to reach a resolution. After a bit of back forth, I finally decided to go ahead and pay the collection with the stipulation that XXXX would remove the collection FULLY from my credit reports. I only agreed to pay any amount because I felt this was the quickest way to get the collection removed from my reports. I was told that it would take 45-60 days for the collection to be FULLY removed from my credit reports. Flash forward six months and the collection is still reporting! I am requesting that XXXX sticks to their word and requests the deletion of this collection from the three credit bureaus.
Product: Debt collection

Attempted to collect a debt on a rental property described as a joint account when it was lit a joint account and a guarantor was placed on the account falsely after being denied