23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XXXX of XXXX I received a pre-approved credit card from Salute credit company. I did not have credit and figure this would help build it. I used the card and withing a few months they closed the account. I paid on time and never went over my balance. It is now XXXX and I am still paying on it. I have paid almost XXXX what I owe. This card is a scam. My balance is not changing now. I believe they are charging me ridiculous fees that is causing my balance to stay they same but online I can not see these fees. They hide them from me. I can not even view my statements online. I have tried multiple times to contact the company but they have no phone number. I can only email them, which they never reply back. I do not want to pay on this card anymore but if I do not it will go on my credit. I need help contacting the company and getting the remaining balance canceled. I believe I owe them no more.
Product: Checking or savings account

I have been with Bank of America for 20 years and for no reason they sent me a letter that they will close my account and my mom account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thursday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX SSN : [ ssn ] | DOB : XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX I was looking over my credit report today and found a bankruptcy which should not be on my account. I would like you to investigate and verify the following bankruptcies, or promptly remove them from my credit report : Court : U.S. Bankruptcy Court Reference Number : XXXX Reason : Unverified Bankruptcy Court : U.S. Bankruptcy Court Reference Number : XXXX Reason : Unverified Bankruptcy Please respond to me in writing, and include the " method of verification '' pursuant to FCRA 611 ( a ) ( 7 ). This should include : 1. The name of the courthouse which you verified the information with 2. The name of the person at the courthouse who handled your request 3. The address of the courthouse 4. The telephone number for the Clerk of Court 's office 5. Which document you obtained to verify the bankruptcy Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

THERE ARE XXXX CHARGES FOR CASH ADVANCES ON MY CREDIT CARD WHICH I DIDN'T EVEN HAVE THAT MUCH ON A CREDIT LINE I REPORTED THE FRAUD TO BANK OF AMERICA SO MANY TIMES ON THE PHONE IN WRITING SO MANY TIMES ITS STILL ON MY CREDIT REPORT NONE OF THE CHARGES WERE AUTHORIZED OR VALID I WANT ALL THE CHARGES REVERSED THEY WERE REVERSED AND THEN THEY DECIDED TO PUT THEM BACK ON MY CARD???? 
NONE OF THE CHARGES ARE VALID ...
Product: Mortgage

I own a XXXX XXXX, a XXXX, and have been negatively impacted - drastically - by COVID - like many XXXX XXXX. As a result I sought relief from my mortgage servicer, Specialized Loan Servicing.  Initially I was denied outright any relief in XX/XX/2020. As conditions worsened, I was able to get a forbearance for 3 months while seeking a modification. I went back and forth for weeks that turned into months, giving them tax documents, letters, P & L statements, bank statements, every single document they asked for. I received letters in the mail every day requesting the same documents over and over again, claiming documents were not signed, documents were not dated, claiming tax returns were not signed or did not contain the PIN number - these are items that are impossible. A tax return can not be filed without a signature or PIN. Why are these documents sufficient for the IRS but not my loan servicer? It was absurd. I would print documents directly from my XXXX program giving Profit & Loss information from requested time frames, only to have SLS claim that the dates were missing. I can not possibly run a report in XXXX without putting in a date range. then SLS would claim there was no company mentioned, or my signature was missing, or a date was missing. They did not care at all about the actual information that was in the documents - income, expenses, etc. It was absurd. One of the last things they claimed was missing was my Hardship Letter, and then claimed it did not even mention COVID. I would have nothing to write about if it didn't mention COVID. Then suddenly the Hardship Letter was found and it was sufficient. In the documents they sent me detailing those documents they received that were valid and those that were invalid, they actually had documents that were listed under both valid and invalid. All I ever requested was to delay the mortgage payment for as many months as I could and modify the loan so that when my payments resume, they are the same, and the mortgage is just pushed out for the number of forbearance months. Ultimately I have been in forbearance for 7 months. Now with 1 month to go, they have denied a modification and are telling me either I owe all of my back payments which total more than {$7000.00}, or I must foreclose or short sell. I want to do none of those. I have no idea why I was denied a modification. I have not asked for a smaller payment than my previous payment. I never have. Every time I have spoken with someone I have been met with belligerent reps. I would like to resume my payments in XXXX at the same amount or about the same amount - I can not afford a jump in payment. And I would like to have my loan modified to extend 7 months longer. I don't know why this is such an unacceptable modification. Because I can not get a straight answer and reasonable modification from them, I am seeking your help. I can pay my mortgage and have taken all the necessary steps during this pandemic and they are forcing me into foreclosure.
Product: Money transfer, virtual currency, or money service

I was searching for a vehicle online and was redirected to a page where I asked about a vehicle and was answered by email as I told them I was interested I a sent a invoice where to send the money I sent the money XX/XX/2021 and then it was turned out to be a scam
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union and XXXX dropped my credit 153 points from a XXXX to a XXXX after I specifically reported a fraud happening on my account!! I pay my credit on time and even tried disputing this matter! Transunion then only lifted my score up to XXXX and XXXX is still XXXX I pay my card on time and was subjected to fraud the beginning of this year. I never requested for a card to be sent out for the authorized user on my account and the card was sent out to an address I no longer live at which resulted in it being stolen out the mail box and charged up {$500.00} Please give me a call for more details.
Product: Credit card

account close more then 7 years ago still repotting on my credit report company name is comenity capital/XXXX
Product: Checking or savings account

On XX/XX/year> I gotten into a fatal car accident in a car rental giving to me by XXXX. The accident made world news due to the fact that XXXX gave me a defective vehicle. On XX/XX/year> XXXX told me to stop payment on any future charges. XX/XX/year> I called the bank to do just that. The bank did the investigation and it turned out in my favor. The only problem with this complaint is that not only the bank re-opened the claim XXXX times after resolving it. I was told to not be bothered by the claim nor the negative amount it impacted onto my account. However, the claim did impacted my account and now was forced closed on XX/XX/year>. This is the failed, rude, and incompetent banking system of BOA..
Product: Debt collection

text came from XXXX at XXXX am says wakefield and associates a debt cllector.password is XXXX digit zip code, reply help for info or to stop to end. the link was XXXX??? i verified link and its for selling the web site for XXXX dollars???
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS inaccurately REPORTING AS FOLLOWS. 

XXXX XXXX XXXX was paid in full and never late but is currently reporting as a delinquent Charge-off. Please remove from my credit report. 
XXXX XXXX XXXX WAS PAID IN FULL NEVER LATE AND REPORING CURRENTLY DELINQUENT. O Account status Closed Date opened XX/XX/XXXX Account type XXXX XXXX Balance on XX/XX/XXXX Loan Amount XXXX XXXX XXXX  acct : XXXX is reporting Inaccurate I have never had a delinquent acct. I do not owe XXXX XXXX XXXX. Please remove from my credit report. 
XXXX Account status Closed Date opened XX/XX/XXXX Account type XXXX XXXX Balance on XX/XX/XXXX Payment Info Status Paid, was a collection account, insurance claim or government claim or was terminated for default. 

XXXX XXXX XXXX XXXX account : XXXX Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 THE FOLLOWING RULES HAVE BEEN BROKEN.

15 U.S.C. 1681 Section 602 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 item of information. Any other adverse item of information, other than records of connections 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: Debt collection

Navient, a student loan provider has been harassing me with bill collecting for a student loan. I have been in XXXX  school consistently since XXXX  working on my XXXX XXXX  and XXXX  degrees as an XXXX XXXX  in school. This is the second time Navient has engaged in unjustified harassment. Back in XXXX, they began sending me letters and bills and calling me to make payments on a student loan even though I was enrolled and attending XXXX XXXX. It wasn't until my university VP of Finance called them to confirm I was in school and still working on my XXXX. Navient argued with the VP for two hours and finally relented but it took over 2 hours on the phone on a three-way call to get it settled. Navient is again calling, harassing, and sending letters that my payments are past due, even though I graduated in XX/XX/XXXXXXXX  ( Conferred degree on XXXX XXXX XXXX ). I have contacted an attorney and it was confirmed that I have a six-month grace period that begins upon graduation confirmation. My attorney sent a letter to Navient stating such. Navient responded with a letter stating XXXX XXXX  withdrew me from the program on XXXX XXXX, XXXX, which is simply not true. I let them know this. They kept calling writing and demanding pay even though I am in the grace period. I contacted a lawyer and they sent a letter to Navient. Navient continues to send me emails and billings showing overdue payments, even though I am in the grace period. I am in the process of consolidating my student loans. Navient is showing I am past due. I want to make sure Navient 's late payments are removed from my credit report. Navient has been falsely accusing my University of statements and bullying me into paying loans while in the grace period and it is affecting my loan consolidation request and credit reports. I learned that the letter was not from the DOE, it was from aidVantage which is a Navient branch. I let my employer know what was happening, they directed me to CFPB to file this complaint and report Navient for bad faith practices. I'm concerned that they are reporting I have late payments to the credit bureau which is untrue. They are stating I owe {$840.00} and also other fees added to it and I am still in the grace period. I would like to have all of Navient 's incorrect reporting removed from my credit report. I am requesting Navient to withdraw their bully tactics and credit reports that I am late to all three credit reporting entities, XXXX, XXXX, and XXXX. In addition to their false statement about my University and my enrollment, Navient sent me a letter with a return address stating Dept. of Education informing me my loans could not be consolidated until I pay Navient in full. I would like Navient sanctioned for such bad and deceptive practices, my credit restored, and a statement that my loan repayments will remain in the grace period until six months after XXXX XXXX  's confirmation of my graduation. I would also like legal fees reimbursed for having to deal with Navient lies to clear up my status.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, XXXX XXXX Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX PLEASE XXXX THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Vehicle loan or lease

I have not received my overpayment refund from Ally. I refinanced my car back on XX/XX/XXXX with XXXX, they paid off my loan with Ally a week later. On XX/XX/XXXX, I canceled the extended warranty with the dealer and they sent my refund to Ally since they were my original finance company. On XX/XX/XXXX, I was able to confirm that the check was received by Ally ( based on the dealer the check was received and cleared ). I have called Ally several times regarding my overpayment refund ( extended warranty refund ) during the last couple of months and I still have not received it, it has been almost XXXX months since the loan was paid off with Ally and they should not hold my overpayment refund any longer. Every time that I had called, they continue giving me different dates. I called them on XX/XX/2021, XX/XX/2021, XX/XX/2021, and twice this month at XXXX. The last update was that I was supposed to receive the check on the XXXX however I still have not received anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed the updated report in XXXX XXXX for 3 credit bureaus. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there inaccurate items on my credit report which are misleading to me. I believe the Bureaus have failed to authenticate these items. The items are listed below that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2005 XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX  XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Original case from 2019 is XXXX I am not making any progress with this bank and its still on my credit report. 

This is a nightmare, and this bank is putting the burdon on me for a mustake they made. 

In a nutshell, Paypal / Synchrony Financial pulled an inquiry on my report though I did not authorize it nor request any lines of credit with them. This was on XX/XX/2019. It was apparanetly fraud and they were supposed to congact the credit reporting agency to get it removed. 

After mulitple calls, they said thry would remove and here we are 7 months later and I am still waiting and noone is replying to me anymore. 

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

This account states that it has been charged-off but this account was opened under an open end credit plan, which according to the fair credit reporting act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Moreover, this company has committed aggravated identity theft by reselling my personal/private information after it was charged off. I've been taken advantage of and will not stand for it any longer. Moreover, under my XXXX consumer report it states that all payments were paid on time but on my Experian consumer report it states all months as Charge-off.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request that Experian take immediate action, in accordance with the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), to block fraudulent information from my Experian consumer credit report within 4 business days. The accounts, collections, hard inquiries and address in question are the result of identity theft and do not belong to me. I request that these items be removed from my credit report within 4 business days of receipt of this complaint, as stipulated under the FCRA. The fraudulent information that needs to be removed includes the following : XXXX XXXX XXXX Opened XX/XX/XXXX with a balance of {$60.00} XXXX Opened XX/XX/XXXX with a balance of {$0.00} XXXX XXXXXXXX Opened XX/XX/XXXX with a balance of {$590.00} XXXX XXXX XXXX Opened XX/XX/XXXX with a balance of {$0.00} XXXX XXXX  Opened XX/XX/XXXX XXXX a balance of {$0.00} XXXX & XXXX Opened XX/XX/XXXX XXXX a balance of {$490.00} XXXX XXXX  XXXX Opened XX/XX/XXXX with a balance of {$170.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX with a balance of {$2600.00} Along with a fraudulent car loan with : XXXX XXXX XXXX Opened XX/XX/XXXX with a balance of {$23000.00} My only address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX. None of these accounts, collections, hard inquiries and addresses were initiated by me, and they are a direct result of identity theft. As evidence of the fraudulent activity, I am including a copy of my FTC Identity Theft Criminal Complaint ( # XXXX ) & ( # XXXX ). I expect that Experian will act swiftly to resolve this matter and block the fraudulent information from my credit report as required by law.
Product: Debt collection

Account name
XXXX XXXX XXXX
Account number
XXXX
Original creditor
XXXX XXXX XXXX/XXXX XXXX


THIS ACCOUNT IS A FRAUDULENT ACCOUNT.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX and American Profit Recovery ( APR ) for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/2022, I disputed this collection account with all three credit bureaus ( XXXX, XXXX, and XXXX ). 
The account was removed from XXXX and XXXX, but XXXX reinserted the account without providing proper notice as required under FCRA 611 ( a ) ( 5 ) ( B ).

I never received any debt validation from American Profit Recovery despite sending a formal validation request over 30 days ago. Under FDCPA 809 ( b ), they are legally required to validate the debt before continuing collection efforts or reporting to credit bureaus.

APR also failed to send me the legally required notice within five days of first reporting the debt, violating FDCPA 809 ( a ).

Additionally, XXXX  reporting of this account is misleading and inaccurate, violating FCRA 1681s-2 ( b ) : The balance increases by {$1.00} every three months without explanation, suggesting unlawful fees or interest on a collection account.

There is no Date of First Delinquency ( DOFD ) listed, which is required under FCRA 623 ( a ) ( 5 ) to prevent re-aging.

The account was previously deleted from two bureaus, yet XXXX continues to report it without valid documentation.
Product: Mortgage

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. I have a loan with JPMCB XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately. 

JPMCB XXXX XXXX Opened : XX/XX/2006 XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Told I may have been affected by the recent data breach.
Product: Money transfer, virtual currency, or money service

I've used Zelle several times and they were deemed the best place to send money to and from someone as it was the " most secure '' due to there not being the a visible ability to get money back. Though, there was an unauthorized amount sent to an individual of XXXX and the company failed to do anything about it. I reported it to the bank, cops, and zelle and there was no actions that were able to be done.
Product: Credit reporting or other personal consumer reports

Ive requested multiple times verbally over the phone and in writing to remove all dispute verbage and comments from accounts. Ive been trying to achieve this for several months with no success and this is keeping me from obtaining a home loan. XXXX, Equifax and XXXX