23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

US DEPARTMENT OF EDUCATION ( Original Creditor : XXXX XXXX ) Account Numbers : XXXX and XXXX Date opened : XX/XX/2014 These accounts dont belong to me. I never applied, received, benefited and/or profited off of these accounts. I have tried numerous of times to dispute these accounts and they keep saying it belongs to me but theyre not giving me any solid evidence that these accounts belong to me. I have disputed these accounts with US Department of Education and Equifax ( its only reporting on Equifax ) they both have said the account is mines but have yet to produce any solid evidence.

The last reply I received from the US Department of Education the letter addressed me as. Ms. XXXX. I even sent the proof of the letter over to Equifax and never received a reply back from them. 

On top of that the US Department of Education have incorrect information thats reporting becaue they two different amounts thats owned. We all know the information has to be correct across the board. These accounts have been reporting for awhile on my credit and has been an negative impact.
Product: Debt collection

I've contacted the debt collector and XXXX  to address the issue. I don't owe them any monies I purchased and returned device within 15 days of trial and XXXX refunded my monies back. The following month I received a bill stating I owe a balance and now a collection agency has been trying to collect on debt and it hurting my credit score. Since 2019 when debt was reported I received no communication from debt collector. Furthermore XXXX has denied even speaking to me about debt after verification that I don't owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX5 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, is reporting to the XXXX ( XXXX ) credit bureaus a late monthly payment on a consumer loan that was related to a title loan on a XXXX XXXX XXXX XXXX XXXX XXXX XXXX is in violation of 15 U.S. Code 1637 of the Truth-in-Lending Act requires that creditors provide notice of late payment consequences for open-end consumer credit plans : Late payment notice If a late payment could increase the annual percentage rate ( APR ), the creditor must include a conspicuous notice of this fact and the applicable penalty APR on the account statement. 
Payment date The date a payment is made at a branch or office of the creditor is considered the payment date for the purpose of determining late fees. 
Payment delivery Creditors must ensure that periodic statements are delivered to consumers at least 21 days before the payment due date. 
As the purpose of Title 15 USC is to protect consumers from unfair credit practices and billing, and to strengthen competition among financial institutions. 

The item in question is being reported by XXXX XXXX to all XXXX credit bureaus and having a detrimental impact on my overall credit report and score.
Product: Debt collection

Upon reviewing my most recent consumer report, I have observed the inclusion of bankruptcy entries, which I believe violate 15 U.S. Code 1681a ( 4 ) regarding the Consumer Right to Privacy. Specifically, it has come to my attention that these bankruptcy claims should not be present on my credit report, and it appears that my personal information was utilized without my consent, constituting identity theft. As a victim of identity theft, I am aware that there are both criminal and civil liabilities associated with these inaccuracies. I intend to escalate this matter to the next level of action promptly. Kindly rectify these discrepancies urgently and without delay.
Product: Debt collection

Quality Assets is trying to recover co-pay from a doctor visits. The doctors office will not render service on day of appointment unless co-pay is paid at time of service. My credit is being effected by these derogatory claims and my credit standing is very good. 

I would like Quality Assets to provide consent of dialing mobile phone number.
Product: Credit card or prepaid card

I reported my Lowe 's Advantage card lost and the account was closed on XX/XX/2017. No purchases was made on the card, as it was never activated. A new card was issued on XX/XX/2017. The closed account is being reported on my credit report by the credit reporting agencies. I contact XXXX XXXX asking them to remove the closed account from my credit report, as I never authorized such by contract or otherwise. A representative informed me that they would contact the agencies to removed the information from my report. I received a letter from XXXX XXXX that the account may stay on the Credit Bureau for 2 years. Without Prejudice
Product: Credit reporting

I contacted Online Collections in reference to a letter they sent me stating I must contact them in order to prevent this debt being placed on my credit. I spoke with '' XXXX @ XXXX '' on XX/XX/XXXX,2015 and the following was agreed by XXXX us. In order to prevent this from appearing on my credit I had to set up 4 automatic withdrawal payments in the amount of $ XXXXwith the first payment being withdrawn that day. I gave her my bank information and she immediately withdrew XXXX from my account. She assured me that this now would not be reported on my credit. She set up 3 additional autodraft payments for the remainding balance. I checked my bank statement and confirmed Online Collections had indeed withdrawn the {$110.00} payment required to keep this off of my credit. I did exactly what was agreed upon to insure this would not be reflected on my credit. Today XXXX XXXX XXXX, 2015 ) I see it is on my credit report as of today. What can I do when I kept my part of the agreement and the collection agency lied and did not keep their part of the agreement.
Product: Credit card or prepaid card

I called the number provided on the back of my card to obtain my balance information. When prompted to enter my social security number and zip code it told me my information did not match. I reached out to Card.com via email to try and figure out what happened on XX/XX/2020. I had to contact them this way because if you can not verify your identity via phone it will not let you through to a customer service representative. When the customer service representative replied via email I informed her of my problem and she told me she would not be able to further assist me via email and insisted I call the number back. I then reiterated my problem again via email and that my account had been hacked, she never replied again. I waited a few days fo a response and got nothing. I emailed Card.com once again on the morning of XX/XX/2020 and I still have yet to receive a response and now the balance on my account is at XXXX it has been completely wiped out. Resulting in me losing {$1500.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution process requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I have a Bank of America Credit Card. 
On XX/XX/2020, a charge appeared on my card for a transaction that was not done by me. I never used the card to purchase from the merchant. 
I raised the dispute on XX/XX/XXXX and A temporary credit was provided for the amount ( - {$53.00} ) on XX/XX/XXXX saying that we will research the issue. 
On XX/XX/2020 Bank of America put 2 charges back ( Fraud Dispute + {$53.00} ) and Duplicated the Merchant Transaction ( + {$53.00} ), charging twice for the Merchant Transaction where the credit was given only once. 
I talked to the bank and asked the reason for putting up charges back, and got to know that Merchant claiming it as a valid transaction whereas when I talked to Merchant in XXXX and again in XXXX, Merchant agreed that the transaction is fraudulent and I should ask the Bank to reverse the charges. 
On XX/XX/2020 after chasing the bank and customer care for almost 15-20 hrs Bank agreed ( in a letter sent to me and a Call from the Credit card Department ) and sent a letter saying the dispute is resolved in my favor, both the charges made on XX/XX/2020 will be reversed ( Credit will be provided ). But to my surprise instead of providing the credit another Fraud Dispute charge is put on my account ( + {$53.00} ). 
After talking to the bank for almost 20 hrs, the bank admits it as an accounting error ( 3rd time ) and assured me this will be reversed.

Bank Reversed the charges that were duplicates but did not provide me the original credit of ( - {$53.00} ) even after they admit the mistake to date. I am frustrated, stressed, and gave up on the bank process as no one listens. I even escalated to the CEO of the bank.
Product: Debt collection

Multiple people who I have known in the past have been called regards to a " legal claim '' and they state to them that the message should be considered as being " served '' I have never received any type of demand letter requesting me to pay anything. I spoke to " XXXX '' at Global One at XXXX
Product: Checking or savings account

There is one Wells Fargo atm in XXXX alabama and the next closest one is in XXXX alabama. Over an XXXX XXXX away just to deposit money or withdrawal money from an atm. The one in XXXX is never available for deposits and by the time I get off of work theyre closed so I cant go inside or use the drive thru. It is ridiculous. Wells Fargo is the biggest excuse of a bank Ive ever seen. I have deposited money into the atm and its taken my money and the money never shows in my account. Someone is just taking my money. Either close the whole entire bank or open more and updated atms in the area! It makes me want to close my account and open one elsewhere.
Product: Debt collection

i seen a collection from XXXX XXXX ON MY REPORT FROM LAST MONTH for the alleged debt of XXXX and i sent them another letter on XX/XX/2020 for validity of the debt and has not receive it as of yet
Product: Credit card or prepaid card

I WAS CHARGED ON MY AMERICAN EXPRESS GOLD DELTA SKYMILES CARD ENDING IN XXXX ON XX/XX/12 FROM A COMPANY CALLED THE XXXX XXXX FOR {$1900.00} AND I HAVE NO IDEA WHO THIS COMPANY IS AND NEVER AUTHORIZED THIS TRANSACTION AND NEVER DID BUSINESS WITH THIS COMPANY. I CALLED AMERICAN EXPRESS AS SOON AS I SAW THIS ON MY STATEMENT AND REPORTED THIS AS A FRAUD AND THEY TOLD ME THAT I WOULD GET THE CREDIT ON MY CARD AND I NEVER DID. THIS HAS BEEN AN ONGOING PROBLEM THAT THEY NEVER REFUNDED ME MY MONEY THAT WAS TAKEN FROM MY CREDIT CARD ACCOUNT. I AM NOW REACHING OUT TO YOU TO HELP ME GET MY MONEY BACK. THIS IS SENIOR CITIZEN ABUSE AND THIS JUST ISNT RIGHT. I LIVE ON A FIXED INCOME AND I WANT MY MONEY BACK I NEED MY MONEY BACK. I AM A SENIOR CITIZEN. THIS CREDIT CARD COMPANY HAS BEEN SO MEAN AND NASTY TO ME IN THE PROCESS OF ALL THIS AND THEY SHOULD NOT TREAT THERE CLIENTS THIS WAY. PLEASE HELP ME..
Product: Credit reporting, credit repair services, or other personal consumer reports

This Account for XXXX  XXXX XXXX and several other account are wrong sent a response two months ago and have to get a response. the card has inaccurate information reporting across 2 different bureaus which is a violation of FDCPA. I sent a dispute 2 months ago and received no response this is hurting my ability to obtain credit.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 or other personal consumer reports

I checked my credit report and found accounts that i didn't recognize so i disputed them and they came back verified and accurate with no documentation provided that i actually says the accounts are mines. My information was actually involved in a data breach. The fraudulent accounts and inquires- XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX An inquire of XXXX XXXX XXXX XXXX 
This agency is in violation of 15 USC 1692g section 3.. They were to fiotify me this in writing 5 days prior, I was not notified. As the original creditor, only i can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately.
Product: Credit reporting or other personal consumer reports

I filed dispute asking company to produce contract or any information showing I signed up with their company. No evidence produced. 

I am asking XXXX and Equifax to provide description of how they verified accounts.
Product: Student loan

I took out a student loan with XXXX XXXX during my tenure in school from XX/XX/XXXX-XX/XX/XXXX, total amount close to around 15K. After graduation I was struggling to make ends meet with no job and a new baby. I called XXXX XXXX several times and sent in paperwork indicating I was not working. I was placed on deferment, respectively. I began working in XX/XX/XXXXand called XXXX XXXX and was advised that I needed to stay in deferment vs income driven repayment plan since my income was so low. I was provided unclear information and was told I would be contacted via mail. From year to year I would call and update my information and finances and would continue to be told I made under a certain threshold and to stay in forbearance. Around XX/XX/XXXX ( my birthday ), I called and my loan was no longer with them and I was directed to XXXX. Same as XXXX XXXX I would call and ask to be set up on a plan and I would receive the same information. It was at the time that I wanted to begin a payment plan as I was working directly in XXXX XXXX and was informed that I could pay on student loans under public service loan forgiveness and be forgiven after a certain time period. I would be given the run around and was even told at one point that my loans had been paid in full. I would always ask for documentation and nothing has been sent to date, even today. 
Recently, my grandmother gave me a call and I was informed that the Sheriffs office came to her home looking for me. I did some research and found that XXXX XXXX XXXX, whom I knew nothing about is sueing me and XXXX XXXX is the contact for for unpaid student loans and this is the first that I have heard of me being delinquent at all. I have no knowledge of either company until 5 business day ago. My student was not handled properly and I do not understand why I was never contacted. 
I was planning to go back to school and now this is all shocking and disheartening. Even today when I call XXXX they say my student loans are paid in full. How could that be? Now I am afraid of what will happen to me and my family as this lawyer is saying that I owe {$20000.00} and I must pay now and there is nothing that I can do about it. Why didnt XXXX perform their due diligence to give me a call and place under a repayment plan. I do not feel that XXXX XXXX nor XXXX performed their due diligence to ensure that I was treated fairly as I wanted to be on income driven repayment and then public service repayment plan and they continuously recommended forbearance based off my low income. 
Please be advised that I have a new address however providing my old address as the law firm is making threats and I believe this can be handled without them having my new address. My email address and telephone number are up to date.
Product: Checking or savings account

I am writing to file a complaint against Navy federal credit union. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging posting of charges and credits. This issue aligns with the recent CFPB findings against navy federal, for similar transactions that were settled with insufficient balances despite initially available funds. I believe this is unfair and I want my account investigated into these transactions.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information contained in my credit report, as provided under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I recently reviewed my credit report and found errors that require immediate correction.

The following item ( s ) contain inaccurate information.

In accordance with 15 U.S.C. 1681i, I request that you investigate these inaccuracies and remove or correct them as required by law.

Please conduct your investigation within the legally required 30-day timeframe and provide me with a written response regarding the outcome. If you need additional information to complete the investigation, please notify me promptly.

Additionally, if the disputed information is verified as inaccurate, please provide me with an updated credit report reflecting the corrections. If the investigation does not resolve my dispute, I request that my statement of dispute be included in my file as required by 15 U.S.C. 1681i ( b ). 
Thank you for your prompt attention to this matter. Please send all correspondence regarding this dispute to my address listed above.
Product: Credit card or prepaid card

I was a victim of an internet scam involving my credit cards.This took place from XXXX, 2019 to XXXX, 2019. I was told to buy XXXX gi! cards from XXXX and XXXX and they would pay of the balance to help me build my credit. They logged in to my accounts and added " their bank information '' and paid the balance on the card. I believe this was down 6 times across my XXXX, capital, and XXXX  credit cards. Now I have thousands of dollars of debt because the payments didn't process completely. This cause my accounts to almost triple the balance limit. The companies will be receiving this police report. I just found out I am able to file this report that's why the date is so far back
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18, I submitted a request to remove inquiries on my credit report that I didn't recognize. Instead XXXX investigated 3 of my accounts ( re : report # XXXX ). 
Experian ( report # XXXX ) did something very similar to XXXX. The errors these companies make are epic in scope. Someone should look into this seriously. Please remove the inquires from my credit report since you are now in violation of the FCRA. I mailed the same request, so it is not additional info it is the same issue ...
Product: Mortgage

On XX/XX/XXXX I sent my county tax bill to my mortgage servicer and requested that the actual amounts get updated to my account and an escrow analysis get performed. My tax bill reflected XXXX payments due : XX/XX/XXXX : {$88.00} XX/XX/XXXX : {$88.00} Freedom Mortgage acknowledged my secure message, performed an XXXX on XXXX but only refunded a surplus of {$360.00} approximately. The surplus was more than {$1900.00}. I asked for another XXXX via secure message on XX/XX/XXXX, again referencing the tax bill and on XX/XX/XXXX was called and received another XXXX showing a refund of the surplus of {$1900.00}. 
On the phone call XX/XX/XXXX I explained that the tax was still not updated and the escrow analysis was reflecting an over estimate on the XX/XX/XXXX tax due, and I explained that I did not agree to overfund my escrow account and requested that the XXXX be corrected to reflect the XX/XX/XXXX tax due of {$88.00}. The phone rep on XX/XX/XXXX assured me that the tax line was updated and said a new XXXX would be performed. 
On XX/XX/XXXX I contacted freedom mortgage via secure message about the tax line being incorrect and asked for a status on the XXXX. After receiving a response explaining that my taxes were estimated due to new construction, I called Freedom Mortgage on XX/XX/XXXX and again explained that this is my third new construction home on an FHA or USDA loan and I do not consent to over funding my escrow account, I prefer that my XXXX accurately reflect the actual amounts due, provided in XXXX, and XXXX. The agent conferenced in the Tax department who confirmed the tax line for XX/XX/XXXX was updated to {$88.00} and the escrow agent said a new analysis would be performed. After no response or update on my customer portal, I called Freedom Mortgage on XX/XX/XXXX and spoke with escalation rep XXXX, Agent number XXXX, who advised that the tax line had NOT been updated nor was he able to locate the tax bill provided to freedom mortgage. I emailed the bill, he confirmed receipt and advised there would be resolution by XX/XX/XXXX. On XX/XX/XXXX I had not heard back from Art but did reply to his email that I would be filing a complaint, as I Do not consent to overfunding my escrow. I would like the escrow monthly payment to be lower to accurately reflect the tax bill and amounts due to XXXX XXXX for my property. XXXX sent an email on XXXX that the tax line had been updated but there still will not be an escrow analysis completed until XX/XX/XXXX. I have now overpaid for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have communicated to my mortgage servicer that I do not consent to over fund my escrow account. I understand that if my taxes increase in the future my escrow may also increase, but that does not affect the fact that the current tax bill is not being reflected and Freedom mortgage has refused to conduct an analysis using actual tax amounts rather than estimated tax amounts.