23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX : I was contacted for the first time regarding this debt. According to XXXX XXXX ( XXXX XXXX ), I owe {$610.00} for an account that was opened in XX/XX/XXXX. I informed XXXX XXXX that I did not have an opened XXXX account and I never shopped at Backcountry nor charged {$390.00} on XX/XX/XXXX, XXXX. I never receive explanation of the other charges. I requested XXXX to run an investigation. 

I requested to be told the contact information for the account, most of the information was not related to me. The representative stated that the contact information needed to be updated so they can run the investigation. 

On XX/XX/XXXX, XXXX XXXX sent me a letter stating " Based on our investigation, we have been able to validate your claim of fraud and cofirm that the above account and/or subject transactions fraudulent. As a result of the confirmed fraud, we have removed and/deleted the fraudulent transactions from the account. However, we have also closed this account in order to prevent future fraudulent transactions. 

I waited 90 days, recontacted XXXX XXXX to verify the account clearance of debt and closure. The representative advise me the account balance is {$0.00} and the account was closed to fraud. 

On XX/XX/XXXX, ( The first time contacted ) Midland Credit Management sent a letter stating " We are writing you that we have opened an invesigation regarding your recent dispute ( Never disputed with them ). 

On XX/XX/XXXX, I contacted Midland Credit Mgmt to inform them that this account was found fraudulent and closed by XXXX XXXX. I also read the letter to XXXX. He stated that the account was charged off XX/XX/XXXX. I stated how can a fraudulent closed account be charged off and/or turn over to collection agency. XXXX immediately transfer me to investigation department. 

I requested contact information on the account, most of the information was correct, I informed him that XXXX requested correction to the account information so they could run an accurate investigation. 

XXXX ( investigation dept ) listened to me reading the letter of XXXX investigation stating that the account was fraudulent. I asked the same questions how does a fraudulent closed account get sold and/or turn over to collection. He kept mentioning another Bank that apparently took over XXXX or XXXX, he was a little confusing to talk to. Once again XXXX stated they need to run investigation. 

At this present time, I am waiting for Midland investigation findings, I do not know why another investigation needs to be performed when the original creditor ( XXXX XXXX ) already found the account to be fraudulent, clear of debt, and closed. 

I am attaching the XXXX fraudulent findings letter and Midland Credit Mgmt letter. 

Thank you for any assistance you can provided to solve this matter.
Product: Money transfer, virtual currency, or money service

Dear sir or Madam : I authorized to send {$550.00} to XXXX XXXX on XX/XX/2020. The transaction was done on XXXX and I used her phone number which is XXXX. XXXX XXXX, the owner of the phone number, received a phone call from XXXX notifying her of a coming transaction. I assumed that she will receive the money and was too busy to follow-up. Somehow, she did not receive the money and I checked XXXX transaction summary which showed that the money was sent to XXXX XXXX who I do not know and do not have any personal or financial relationship with. I had to send XXXX XXXX money again later. 
I have been trying to get money back from this XXXX XXXX. As I did not have any contact info available initially, I tried to send XXXX cent to the person directly with a note requesting him to return money to me. His email later became available on XXXX which is XXXX. I never got a response from that person. I sent multiple requests through XXXX requesting money back, he did not respond. 
I submitted a claim to XXXX for help, I was told that I authorized to send money to a phone number somehow connect with a person not the number 's current owner, they can not help me with that situation. XXXX asked me to contact my bank to pull money directly from XXXX XXXX 's bank. 

I then submitted a claim to my bank which is Bank of America, I was told that I made a mistake sending money to a phone number, they can not help me and I was asked to contact XXXX XXXX to get the money back. 

So far, I have not received any response or money back from XXXX XXXX. 
I did not double check while I send money to XXXX and assumed that the money will be sent to the phone number 's current owner which is XXXX XXXX. XXXX sent it to someone else without checking with me and blamed me for authorizing the transaction to XXXX XXXX. While I sent the money, the XXXX system only showed that it was sent to the phone number, however, in the transaction summary showed up once the transaction is completed, the phone number has disappeared and I can only see XXXX XXXX 's name on the summary. I believe XXXX system is greatly flawed. I should not be the person to suffer from the lost. 

Please help me with this situation! 

Your help will be greatly appreciated!
Product: Credit card or prepaid card

I ordered three pair of XXXX Stretch Skinny Pants in sizes 6, 8, and 10, on XX/XX/2018, Order # XXXX, ( my XXXX card was charged on XX/XX/2018 ) and three pair of XXXX  Stretch Skinny Pants, all of them in size 8, on XX/XX/2018, Order # XXXX, ( my XXXX card was charged on XX/XX/2018 ). The size 8 from the order on XX/XX/2018 fit well so I ordered three more XXXX Stretch Skinny Pants on XX/XX/2018 ; however, those three pair did not fit well so I returned all three size 8 XXXX Stretch Skinny Pants, plus the sizes 6 and 10 XXXX Stretch Skinny Pants via the USPS on XX/XX/2018, Tracking # XXXX and Tracking # XXXX. 

I checked the Tracking # s and the two return packages were picked up and processed by an agent on XX/XX/2018, but my XXXX card was not refunded. I currently have a XXXX balance because I had set up automatic payments beginning on XX/XX/2018, to pay my XXXX bill in full each month. I had ordered the Pants before XXXX announced via email that it was going out of business, and I had returned the pants to XXXX within 30 days of receiving them and XXXX had a very liberal return policy. I had returned items even three, four, or five months after I had purchased them, with no problems. 

I called XXXX to request my refund, I think in XX/XX/2018, but the person I spoke with said that the pants had been returned after the cut off for returns which I disputed because I had ordered the pants before the closing announcement and had never received notice that items had to be returned by a certain date. The person took my complaint and said I probably would not hear anything until the end of XX/XX/2018. I waited a little longer than that, hoping it would be resolved, but it still hasnt, so I am sending my complaint to you, in hopes that you will be able to get my money refunded to me. Thank you!
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion for failing to properly investigate and address inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act of 2010 ( CFPA ). Despite submitting multiple complaints and providing supporting documentation, including case law and correspondence indicating that the Division of Child Support ( DOJ, State of Oregon ) should not be reporting on my credit file, TransUnion has continued to mark the disputed entry as verified accurate.

I have sent several formal complaints and disputes to TransUnion regarding the incorrect reporting of the Division of Child Support. The letters explicitly state that this information should not be present on my credit report. I have attached one such " Important Notice '' from TransUnion that acknowledges the inaccuracy and the violation, yet TransUnion has still failed to remove or correct the erroneous entry.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( a ) ( b ), 5564, and 5565, TransUnion is legally obligated to conduct reasonable reinvestigations of consumer disputes and provide accurate information to consumers. Despite this, TransUnion has repeatedly failed to reinvestigate my dispute properly, failing to forward all relevant information to the data furnisher ( the Division of Child Support ) and to conduct a full investigation that would result in an accurate credit report.

The specific violations include : Failure to conduct proper investigations : TransUnion has not provided adequate reinvestigations of the dispute I raised regarding the child support entry on my credit report.

Failure to forward relevant information : TransUnion did not forward all of the supporting documentation I submitted to the furnisher, the Division of Child Support. 
Failure to provide proper notices : TransUnion did not provide accurate or sufficient notices to me about the results of the reinvestigation. 
Failure to ensure accuracy and completeness : Despite the clear evidence and legal case law showing that this information should not be on my report, TransUnion has continued to mark the disputed entry as verified accurate, contrary to the information provided in the documentation. 
As a result of these failures, I have experienced undue harm, including potential denials of credit and adverse financial consequences. The inaccurate reporting is not only detrimental to my credit but is also a violation of my legal rights as a consumer under both the FCRA and CFPA.

Immediate removal of the Division of Child Support information from my credit report.

A full reinvestigation of my dispute in accordance with FCRA and CFPB guidelines.

A written response from TransUnion explaining the failure to conduct proper investigations and the steps they will take to ensure compliance moving forward.

DEPT. OF JUSTICE CHILD SU. 
ACCOUNT # : XXXX Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX agreed to delete the XXXXXXXX XXXX Inquiry from my credit report, and also the XXXX XXXX Inquiry. Please Experian delete these inquiry as they do not belong on my credit report and these were not authorized by me.
Product: Payday loan, title loan, personal loan, or advance loan

I receved an email from NetCredit on XX/XX/year> saying " My loan was turned down due to various reasons '' this means they ran my credit report, even though my credit has been frozen for several months now. I called on XX/XX/year> to explain that i have had my identity stolen, which i can veryfiy via XXXX, a monitoring service that alerts me to issues where my data may have been leaked. They are asking for a police report, which i do not currently have as trying to get one from my local police department has been a nightmare, i plan to try and get this once again on monday, XX/XX/year>. During this call, they told me that i have 7 days to send the police report, and during that time, they will await said report and stop with anything dealing with my credit. I received another email today, XX/XX/year>, saying they have other options for my " personal loan '' I responded with saying that my account should only be looked at via their fraud department, and why did i get an email saying that " they have other options? '' Their response was, since i did not send a police report, i would have to deal with them harrasing me.
Product: Credit reporting or other personal consumer reports

I am requesting the removal of account XXXX XXXX XXXX  from my credit report. Please see the attached XXXX  release form as well as the cfpb response from XXXX stating that the account will be removed. Please note that all 3 bureaus are in violation of the FCRA because all data furnished is not accurate. All 3 bureaus report different agencies. I submitted a dispute time and time again about the inaccurate information on my credit report. This has caused me much stress and many lost opportunities due to your negligence and violation of the consumer protection laws. Remove the aforementioned account immediately from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX XXXX XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following account listed below is still reporting on my Credit Reports and need to fix immediately : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

My information may have been impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person Under The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022. I checked my credit report and I noticed there were several created accounts on my credit report. There were four created accounts created on XX/XX/2022, which I did not apply for and there was one that was created a day before the four. I did not apply for any bank or credit cards. I have attached a identy theft affidavit with a list of all the fraudulent accounts. Remove them immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of my student loans on my credit report, as I believe they were affected by a significant data breach involving XXXX XXXX and his companies. This breach, coupled with violations of my rights under the Family Educational Rights and Privacy Act ( FERPA ), has led to the improper disclosure of sensitive personal and financial information related to my student loans. 

Specifically, I assert the following : Data Breach Involving XXXX XXXX  Companies : It is my understanding that a data breach related to XXXX XXXX  and associated companies resulted in the unauthorized access and disclosure of personally identifiable information ( PII ), including data tied to my student loans. This breach may have compromised the security of my financial and educational records, including information that should have been protected. 

Violation of FERPA Rights : Under FERPA, I am entitled to privacy protections regarding my educational and financial information. This law restricts the unauthorized release of personally identifiable information by educational institutions without my consent. Due to the breach and the unauthorized release of my student loan information, I believe that my FERPA rights have been violated, and as a result, I request that my student loans be removed from my credit report.

Request for Removal : In light of the data breach and FERPA violations, I respectfully request that my student loans be removed from my credit report. The inclusion of this loan information under these circumstances is not only a violation of my privacy rights but also may harm my credit score unjustly.

I kindly ask that this matter be investigated thoroughly, and I request confirmation that the necessary steps will be taken to ensure the removal of ALL disputed student loan entries from my credit report. 

Thank you for your attention to this matter. I trust that the CFPB will handle this dispute in accordance with my rights under applicable laws and regulations.
Product: Student loan

On Friday XX/XX/2022 I called Navient to Pay off a School Loan. I have XXXX Loans with Navient. # XXXX {$12000.00} and XXXX # XXXX {$28000.00}. I told the agent I want to pay off my school loan # XXXX for the amount listed. So we processed the payment ( I had already made a payment for XXXX ) and payment was completed. I looked into my account to see the loan paid off, and it shows a balance of {$220.00}! I called Navient and what the Navient Service agent is telling me does not make sense. XXXX XXXX # XXXX indicated since I have a consolidated loan they applied this to the other loan. Mind you these are XXXX separate loans. I want to be completely done with the XXXX XXXX, so I can qualify for a Loan to purchase a home. I was very clear, I never understand what these Navient Agents tell us about our schools loans, however we just take the information and hope its true. This time I believe they are adding fees without my consent or knowledge. I just want the loan paid off, so I can qualify for my purchase as soon as possible. 
Thank you so much for looking into this, i appreciate your time! 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I financed a XXXX XXXXXXXX XXXX with Navy Federal Credit Union and at the time I applied for the protection plan which covers loss of job and illness. I was XXXX XXXX out of the military at no fault of my own due to medical reasons and when I tried to say this to them I was supposedly not covered under the plan despite paying for it. I've been asking for a copy of the documentation to prove that I did and when did I, but they just put me on hold for over thirty minutes each time and hang up. I've only ever gotten confirmation of debt. I've called so many times the collection specialist put me on hold for thirty minutes each time and never answer. Aside from that I've spoken to at least 6 people today XX/XX/XXXX just to get to the bottom of things and countless times before that.
Product: Debt collection

The debt of {$570.00} was paid in XX/XX/2017. The light place reported it back to the bureau but did not delete it. I disputed said collection and they won't remove it from my credit report. One bureau has already deleted it from my report but experian won't. This is affecting me buying a house and I just want it resolved /deleted so my family can be under one roof again.
Product: Money transfer, virtual currency, or money service

I use the cash app services and I was never able to call any one talk to anyone about missing funds or transactions that I did not approve of and still have money missing
Product: Debt collection

Navient continues to call my phone multiple times daily. Although I am behind on my payments I did contact the company in attempts to set up a payment plan and was told nothing is available to me. The calls have continued and when I asked that the calls end I was told they would continue until a payment plan was arranged. I expressed my frustration with the harassing calls. The company will not work with me on my past due amount but also will not cease the calls. I have XXXX private student loans through the company and have been making payments on XXXX of the XXXX loans because of my current financial situation I am unable to make both loan payments. After speaking to Navient multiple times I have exhausted my options. The phone calls come in at least twice daily.
Product: Debt collection

Ive reached out to 2 reps at XXXX to go over what was sent to collections and why. They have no record of the {$150.00} bill that was not paid. They dont even know where that figure came from as my account has no late payments and is in good standing with their Property and Auto division.

Ive contacted my credit union for anything I may have missed as I pay auto insurance with my accounts with them sand Ive checked with my mortgage company as I pay escrows thru my mortgage payment monthly and my payments to XXXX thru them are up to date as well. 

So CCS Collections has reported a fraudulent collections on my account. Not only that, Ive checked mail, email and my online accounts associated with a potential collection and there is nothing. Not even a phone call. {$150.00} is such a small amount and can be paid today, but there was no record or notification and again, the original creditor has no account of me owing any money, theyve never reached out saying I owed any money, and they never mentioned a CCS Collections Looking at their reviews, it seems as if this is a common practice. 

I work heavily with credit repair clients, Im licensed in multiple facets within finance, real estate and property management and everything about CCSs process is fishy. 

I will be going thru this company thoroughly on my end and if I can get together a class action lawsuit I will
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXXt account XXXX XXXX  # XXXX has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 2682 section 604 A section 2 : it also states consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

I let them know I did not open any card in my name I did not open any cards there are 5 or 6 that have been opened and said mailed to my address but i never saw them or i saw them and reported it to the card company and i need help to clean this up. I have call and made reports with the cops and mail cops
Product: Checking or savings account

I'm having a problem with Bank Of America because 3 times already someone used my card.The first one is that someone used my debit card in California in one of the gas station there.Someone withdrawed {$200.00} there on XXXX XXXX.The Bank Of America paid me already on that one but the other fraudulent charges and withdrawal the Bank Of America didn't pay me yet.The second time someone used my card is on XXXX XXXX they used it for {$250.00} on XXXX XXXX.And on XXXX XXXX for {$140.00} on XXXX.The third time someone used my card is on XXXX XXXX.Soneone withdrawed {$520.00} on the ATM machine.The Bank Of America sent me a letter and said they credited my account for {$140.00} but they never did.I need ur help to get them pay for the fraudulent activities on my card.Im a single mom and I have XXXX kids.Theyre asking me to send them money but I have no money to send them because someone withdrawed my money.Im unemployed.The account I have on Bank Of America is my unemployment.Im going to call the unemployment to ask them to transfer their payment on my other bank account.Im only depending on my unemployment.Pls help me with this problem.Thank u so much and God bless.I appreciate ur help.