23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I XXXX, a living woman was contacted by Delta Platinum American Express. They closed the credit card account before notifying me. After closing the account I continue to receive harassing calls 4 to 5 times per day for over a month starting in XXXX. I asked that telephone communications stop because it was at all times of day, while I am at work or other inconvenient times. I requested that communication to be kept in the mail. The agent agreed, stating that it will be added to the files. 
Two days later the calling continue back to back during my work days, driving home, at the doctors office. It was driving me insane. I was scared to answer the phone. Last week my mother received a telephone call stating that American Express is trying to reach me. I spoke to the agent and again requested that communication kept in the mail. I did not give Delta American Express to contact a third party because that is violation of my privacy. 
On Sunday XX/XX/XXXX my mother received another call from American Express. She hands me the phone, it American Express again, after demanding that communication should be kept in the mail. I spoke to the agent. I asked that they stop harassing me. I requested communication through the mail again. This is now the third time. I did not give permission to call and harass someone else. 
I stated that I will make the payment in full after receiving a verification of the credit agreement. The agent proceeded to ask me why I wanted a verification if I made previous payments. He threatened that my information will be sent to the credit agencies and that my it will be bad for my credit because a collection agency will start calling me next. I did not give permission for my personal information to be shared with any third party but theyve already done so when contacting a member of my family. This is harassment. Ive been harassed since XXXX. Today, again I received another telephone call from the company after requesting to not receive telephone communication. This company has violated my human rights in many ways. It must stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is impossible for Experian to know if I was in receipt of any goods, moneys, or services due to fraudulent accounts reporting on my credit file. There are accounts being reported on Experian credit file that I have been disputing for several months. Experian recently sent a letter to me stating that i had received goods or services and that the were not able to honor my request. I find this very discriminatory, biased, and impossible for Experian to have such knowledge as such. I recently over the past 60 days have contacted Experian through direct mail and phone about several accounts reporting on my consumer credit file that were established without my knowledge and or consent. I recently received a copy of my credit report from Experian which stated nothing more than it was just a copy of my credit report. I also took the initiative to file an identity theft report which included some of the fraudulent accounts in question as well as the fraudulent addresses. Experian has failed to provide a reasonable investigation within the 30 day time frame allotted per the Fair Credit Reporting Act which is a violation of my consumer rights. In addition unlike XXXX and XXXX Experian has failed to provide a block within 4 days of being notified by a consumer who's been a victim of identity theft. Experian has had more than enough time to complete an investigation but continues to violate my rights as a consumer by continuing to report the fraudulent accounts to my credit file. I find this totally unacceptable and Experian should be held liable. The accounts in question are 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

I have exhausted myself at all levels trying to get an inaccurate collections off my credit that is causing me denials for loans. To start, I have only 2 open student loans with, XXXX XXXX. However, I have to complaints that needs to be addressed ; First, XXXX which does not have possession of my loan is still being reported in a derogatory manner and the same loan is now with XXXX too. Creditors are seeing a total of 4 loans when there is only 2 because they have different account numbers. 
I request that XXXX remove the negative information thats being reported because again my loans are with XXXX and in good standings and not due until XXXX 2018. 

Second issue is that XXXX XXXX have a status on my report that says, Student loan assigned to government which my lenders views as a negative situation where as Im in financial  trouble with the government and this is so misleading. I want that comment removed and my account showing current as it should.
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA reported my personal information without my consent, I have told them several times in the past that they were not allowed to share my home address due to the nature of my employment. I recently applied for a mortgage and I told the Loan Officer that she was not allowed to share my personal information or report my home address to the credit bureaus. I just find out that USAA reported my information when I explicitly told that that they were not allowed to share that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$110.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX.
Product: Debt collection

Im unaware of this debt and did not have the opportunity to dispute his debt. Nor did I receive proper notification of this debt. If in fact, you believe you provided me with proper notification send me a certified receipt with my signature on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SOME FRAUD ACCOUNTS THAT DO NOT BELONG TO ME, AND I SENT IN ALL DOCUMENTS AND STILL NO LUCK I NEED THESE ACCOUNTS OFF ASAP. THANKS XXXX, ACCOUNT NAME XXXX XXXX XXXX # XXXX XXXX. ACCOUNT NAME XXXX XXXX XXXX # XXXX
Product: Checking or savings account

This company continues to call me on a daily basis. At least once daily and often twice a day. I have sent notice that it is not my debt and they say they have verified.
Product: Debt collection

I purchased a Chanel Purse for my daughter on XXXX/XXXX/16 for the amount of {$470.00}. On XXXX/XXXX/16 I contacted E-Bay and Pay Pal to notify them that the purse was a replica, my instructions from Pay Pal was to ship it back to the seller because I could not understand the hand written address from the seller. Pay Pal emailed me the sellers address to the email I had at the time. I changed my email on XXXX/XXXX/16 and they failed to confirm the address with me so it appeared i missed 10 day grace period deadline. I mentioned to XXXX that I was not able to provide the tracking number for the shipping because USPS does not provide one. On XXXX/XXXX/16 i was not aware the appeal was denied until I had shipped the purse to the seller to XXXX. It was returned by the seller who refused to accept it. We received the purse on XX/XX/2016.We called our bank and they refused to help us because we missed the 60 day grace period. On XXXX/XXXX/16 I spoke to XXXX ( Manager Dispute Dept. ) where he finalized his decision not to reimburse me due to lack of communication and not meeting the deadline ( I feel l that we would have not missed the deadlines had they sent the to my correct email address ) so he closed the case. I explained to XXXX that i am short {$470.00} plus shipping. I was not told that i had a deadline until i received the email at my correct email which had been too late. 
( Shipping was {$58.00} which I was credited only {$20.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Fair Credit Responding Act the following companies has violated 15 U. S. C 1681 A. Section 602 1 : States I have the right to privacy 15 U. S. C 1681 A. Section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Well this all started in XXXX when I recieved a wire from XXXX XXXX which I've done in the past too. This time it was flagged and they froze my account and said I'll have to wait. Then I waited until XX/XX/XXXX when they said they decided to close the account. Cool no problem. So the closing date was set for XX/XX/XXXX, called in they said we are still verifying. Then closing date of XX/XX/XXXX and I'm sure it'll continue being delayed. I have bills, a mortgage, a car loan from this bank too. So I just need my funds to be mailed to me that's all. I can't keep getting the run around with no foreseeable date. The checking account amount is {$110000.00} and the savings is {$21000.00}. The bank is bank of America of course. I just need them to close my account mail me then check so I can find another bank and continue living like a normal free citizen in the democracy of the United States of america. Thank you.
Product: Credit reporting, credit repair services, 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX should not be reporting to Experian and XXXX  a charge off on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The original creditor on this account was XXXX XXXX and the account was sold to XXXX XXXX. This account is being reported in error and this inaccurate reporting is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX XXXX to remove this however, I have not been successful.
Product: Checking or savings account

Im writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft XXXX have incurred despite having sufficient funds when transactions were authorized I was charged fees due to lagged posting of charges and credits this issue aligns with the recent CFPB findings against navy federal for similar practices where transactions settled with insufficient balance despite initially available funds I believe these practices are unfair and request an investigation into my account transactions
Product: Student loan

I am a co-borrower on a private MEFA ( Massachusetts Educational Financing Authority ) loan. The primary borrower, my parent, defaulted on this loan and while I understand I am fully responsible for paying back the loan, I was NEVER warned that this loan was going into default. I never received notice, by phone or by mail, about this default status nor was I given the opportunity to make payments or take responsibility. My credit has now been absolutely destroyed by this. I pay all of my other bills, loans, and other debt in a timely manner and on time - this can be proven by the other items on my credit report. This loan alone has now been allowed to completely ruin my financial future. I went for years without even knowing about this defaulted loan, and I only found out about it when I tried to apply for a mortgage and it came up on my credit report. I had absolutely no previous knowledge of the status. I called the collection agency that my loan has been assigned to, and I tried to work with them but I can not afford to pay the total, especially given the cumulative interest that this has accrued. The primary borrower is making payments as well, so I am afraid of tarnishing their payment agreement. I have no good solution to this problem and do not see any way to otherwise help my credit. This will likely haunt me forever. I 've called multiple times and MEFA is unwilling to work with me at all. I have spoken to various representatives who have promised to see what they can do and none of them have ever called me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for accounts that are reporting on my Credit file and credit report. These accounts aren't mine but are reporting as if I obtained credit cards, opened bank accounts, opened phone accounts and medical bills. These accounts are as followed. XXXX XXXXXXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/2022 XXXX XXXX XXXX XXXX on XX/XX/2021 XXXX XXXX  XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XX/XX/. These accounts are not mine but are on my credit report. Ive also asked for original contracts from all above named companies but have yet to be provided with as requested.
Product: Credit card or prepaid card

In 3Q 2018, I closed my Amazon Synchrony store credit card with two sets of balances : credit balance ( around {$70.00} ) and reward points ( around {$90.00} ). I called Synchrony to check the status of my refunds and was told that reward points are forfeit if I don't specifically request the points prior to closing the account. 

In XX/XX/2018, I submitted a complaint demanding a refund or a written explanation. Synchrony responded with a form letter thanking me for my " inquiry '' and gave me an 1-800 number to call back. 

1026.11 ( a ) defines credit balance as amounts held for the benefit of the consumer. Reward points are beneficial quantifies of amounts redeemable for statement credits. Therefore, reward points hold certain convertible and explicit dollar value at the time of redemption or account termination. However, Synchrony short circuits Reg. Z by claiming that reward points have no dollar value : 1 ) until redeemed, or 2 ) if the account is closed prior to account termination. Synchrony should not be allowed to yank balances from consumers prior to or after an account termination.
Product: Student loan

I have been consistently paying on my student loan from XXXX XXXX for several years. I have applied for numerous teacher forgiveness programs [ Title One School, Income Driven, and all the other ones offered to me ], only to find out that for one reason or another, I did not qualify ; however, one of the programs required a copy of my income tax return. Although I did not qualify for that specific loan, I was told that my payment would not be increased [ very strange since I file jointly with my husband, and now my payment was increasing ]. When I asked about the increase, I was told they miscalculated my loan... how could this be, since I had been paying the same amount for years? I specifically asked is the increase was due to my submitting my joint income tax return? Athough they denied it, I can not think of any other reason why they would all of a sudden increase my payment after several years. I am paying 1/3 of my salary and can not afford the increase. I email them every month stating that I am not able to include the increase as my husband is retired and on a fixed income, to which they suggest I again apply for one of their Teacher Forgiveness Loans. I am almost XXXX years old and do not plan on working another 10 years. If I continue to make my monthly [ the lower rate that I've been making ], I will be XXXX years old when the loan is paid off ... but it will never be paid off because I am already $ XXXXbehind from the increased amount. I NEED HELP! What can I do?
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Subject of Complaint : Request for Assistance with Inaccurate Credit Reporting and Debt Validation Complaint Details : I am filing this complaint to address the following issues related to my Experian credit report and the reporting of an alleged debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : Inaccurate Personal Information on Credit Report : I have previously requested Experian to update my personal information to reflect my correct details, including my name, date of birth, Social Security Number, and address. Despite multiple written requests dated XX/XX/year>, and XX/XX/year>, the incorrect information remains on my credit report. This discrepancy has significantly impacted my ability to purchase a home, as creditors are basing decisions on inaccurate data. 
Debt Validation Issues Related to XXXX XXXX : An alleged debt from XXXX XXXX  with Account # XXXX in the amount of {$11000.00} is reported on my credit report. I have sent formal debt validation requests to Experian, per the Fair Debt Collection Practices Act ( FDCPA ) requirements, requesting documentation such as : Proof of assignment showing that the debt was transferred from the original creditor. 
Detailed breakdown of the debt amount, including any fees or accrued interest. 
A copy of the original agreement bearing my signature. 
To date, Experian has not provided adequate documentation to substantiate this debt. Under FDCPA regulations, I requested that all collection activities cease until validation is provided. My attempts to resolve these issues with Experian have not been successful. 

Impact on Creditworthiness and Financial Well-Being : The inaccurate information and unvalidated debt continue to harm my credit score and impede my financial plans, including securing housing for my family. 
Resolution Requested : I request that the CFPB intervene to ensure Experian : Corrects the inaccurate personal information on my credit report. 
Provides appropriate documentation or removes the unvalidated XXXX XXXX debt from my report. 
Supporting Documentation : Copies of my previous requests to Experian ( XX/XX/year> ; XX/XX/year>XXXX  ). 
Identification documents ( Drivers License, Social Security Card ). 
Previous credit reports showing disputed information. 


Sincerely, XXXX XXXX XXXX
Product: Credit reporting

Experian reports a closed, unknown account XXXX XXXX based from XXXX as a charge-off every month ; effectively re-aging the account as new, every month. I live in XXXX. I disputed the accuracy of the XXXX wireless account and it still is reported charge off every month!
Product: Credit reporting or other personal consumer reports

I'm reviewing my credit report and noticed inquiries that are not mine.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXXXXXX Balance Owed : {$25.00} ; XXXX XXXXXXXX Balance Owed : {$340.00} ; XXXX XXXX XXXX Balance Owed : {$3900.00} ; DPT EDXXXX XXXX Balance Owed : {$5500.00} ; DPT ED/XXXX XXXXXXXX Balance Owed : {$6500.00} ; DEPT OF ED/XXXX XXXXXXXX Balance Owed : {$5300.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX, Account # XXXX and Account # XXXX 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 instructions7
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX account. They marked me late on the last month of my loan. I asked for an accurate credit report. I still found inaccuracies when I pulled my report. 


In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 

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

15 U.S.C. 1681 section 602 A. Section 2 : It also a customer reporting agency can not furnish an account without my written instructions.