23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I took out a personal student loan with Navient formerly  XXXX   XXXX . I have continuously made payment arrangements. Most of the payments were made. They keep calling me ALL day long. I do n't answer, then they call from another number. I have lost count of how many calls a day I receive. I get calls on Sunday and I know they are closed. I am sick and tired of all the harassment. I feel that I can not live a normal life because they are always ringing my cell phone. PLEASE HELP!
Product: Credit card

Had a relationship with the bank in excellent standing since XXXX. Maintained line of credit l. Paid on time. 
Called in to fraud department on XX/XX/XXXX to report a transaction on the card that was fraud. Spoke to representative stated the the card would be closed and I would be reissued a card in 7-10 days. XXXX ended. Cats disappeared from portal. Called bank on XX/XX/XXXX to see when I would receive card. 
Representative Informed me Account was closed in error. Thats why I have not received a card It would be escalated and a supervisor will call me in two days. Went into the branch in XXXX to authenticate my account on XX/XX/XXXX. Supervisor online talk to the branch account manager and said that they would reopen the account in 24 To 48 hours. Received a call on Friday XXXX manager called in fraud department stated he listened to the tapes from XXXXThe representative will counseled and undergo training. The account was closed in error. He pressed the wrong button. Attempted to reopen my account brought in another supervisor to try to open the account unable to do so apologized about the error on the bank behalf. His solution was for me to Apply for a new Bank of America card. ( fraudulent ) Reporting a violation of the disclosures I did not consent, I was not read any account information, I was promised a reopen. Bank of America was in bad faith. my account closed negatively impacted as one of my oldest credit accounts was deleted from my credit report when trying to buy a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my fourth m and final dispute letter to Experian asking the to either send me proof that the debt is mine or remove the debt from my report per the Fair credit reporting act. However, they did not reinvestigate my dispute and instead sent me a copy of my credit report and stated that they would not reinvestigate my dispute unless I send new information.
Product: Debt collection

I received a letter from " Viking Client Services , LLC '' stating that I owed {$1400.00} to XXXXXXXX XXXX XXXX XXXX I called XXXXXXXX XXXX XXXX XXXX and they did not have a record of this issue, and I do not have any record or receipt for the Account Number that is listed in the debt collection notice.
Product: Debt collection

Eastern Accounts Systems has 4 accounts under my name. 2 of the 4 accounts has been paid off and are still on my credit report. The 2 accounts are XXXX XXXX XXXX the amount of {$100.00} was paid off. Also, XXXX XXXX XXXX the amount {$98.00} was paid off as well. The other two accounts that are stated I owe a balance are XXXX XXXX XXXX in the amount of {$98.00} and another amount of {$480.00}. I have been disputing the two accounts for the past few years. The amounts are not what I owe based on the insurance I had with a previous employer. I have mentioned this to Eastern Accounts Systems for the past few years.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

During routine review of credit report found account from Vance and Huffman. Contacted company verbally and requested debt validation. I was told to submit a dispute in writing for debt to be resolved. Company did not provide debt validation. Followed with XXXX certified letters which company signed for. Both certified letters requested debt validation as required under Fair Debt Collection Practices Act. Have followed with multiple phone calls as debt validation was not provided. Company did not send dunning letter as required informing me of right to dispute prior to placing debt on credit report. Rights under the FDCPA have been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes and the company has still not removed this information. I received a letter from Equifax dated XX/XX/2022 stating that they have verified this alleged Bankruptcy with XXXX XXXX. Meanwhile I recived a letter from XXXX XXXX on XX/XX/2022 stating that this Alleged Bankruptcy has been removed due to incorrect information. Therefore it is impossible for Equifax to have verified this Account with XXXX XXXX if XXXX XXXX has already removed it!! Equifax is now in violation of several consumer laws! I did not receive a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) E ) states : The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Also 15 USC 1681s-2 ( A ) ( 1 ) states : 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

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. 

Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXXXX**** Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/XXXX 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.
Product: Debt collection

This account was protected by an insurance that was paid with each monthly bill. The insurance was to cover the money owned in case of job loss or medical. I was diagnosed with XXXX and was ubable to work. I contacted orignal creditor to use the insurance to cover this charge card. I have asked this debt collector for bills showing debt and amount and have yet to receive, On monthly statements it will show that money was paid each month for insurance protection. I sent letters requesting documentation twice, once on XX/XX/2020 and again on XX/XX/2020. Creditor has yet to respond.
Product: Credit card

My XXXX credit cards at chance had been hit with fraudulent transactions twice, and i reported these transactions promptly. I even proved that these were fraudulent transactions. So chase removed these transactions however supposedly they said i reported fraud again a third time. Which i did not do, And the reversed all the transactions and said to me that i gave authorization for these purchases. I did not give authorization. Well this led to Chase bank charging my XXXX Limit credit cards in astronomical amounts. Leading to XXXX, and XXXX on XXXX card. 

This raised the payment amounts tremendously to a minimum payment due of XXXX $ and XXXX on the other. This should n't have happened as i experienced fraud and for them to reverse the transactions and lying to me because their agent messed up and accidentlly marked my card fraud again, that was not my fault. I should n't have been charged for there mistakes. Well this led me to be late twice. So i called and got a Balance Liquidation plan. Which i still have the letter by the way. I made the first payment to this balance plan, Well i was late last month ONLY once and they sent me a letter saying if i miss two payments consecutively i will have my debt " Charged off ''. Well after this letter they went ahead and charged it off and i am not two payments behind. Therefore this is false advertisement, Not only did they ruin my credit but their debt collection actions and false letters are illegal and i am being scammed. Please help.
Product: Checking or savings account

This is an update to CFPB Complaint No. XXXX. This update includes an amended billing address. 

Hi, I recently opened a bank account with XXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX  ). During the account opening process I was told that deposited checks would be credited within five days. Last week I made a check deposit and after five days I made a payment of {$200.00} via ACH to Discover in order to open a secured Credit Card. Today, I found out that XXXX XXXX  XXXX XXXX did not credit my check deposit within the time period I was told. As a result, I was charged a {$35.00} dollar transaction fee and my {$200.00} XXXX  to Discover was executed and then reversed. Moreover, a review of XXXX XXXX  XXXX XXXX XXXX transaction handling history appears to show that this bank is ordering debits to be withdrawn in the beginning of the day and credits to be granted at the end of the day. This transaction ordering puts me at a significant disadvantage and cost me : {$35.00} dollars and the likely denial of my Discover Secured Card application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired a credit repair company over a year ago to get some accounts off of my credit. They were only successful in getting one off, and I paid {$800.00}. They keep saying that they're going to get more accounts off, but nothing ever happens. I want a refund.
Product: Credit reporting or other personal consumer reports

I have a time barred debt ( open collection from XX/XX/year> from XXXX XXXX XXXX ) that still appears on my Experian credit report. per the RCW, statute of limitations in Washington state, this alleged collection has expired and I demand it be removed from my credit report. Also, Experian continues to provide false misleading information ( just like my expired collection ) on their website, as the address I complained about previously about not accepting certified mail is STILL listed on their website, why?
Product: Checking or savings account

On XX/XX/19 I tried closing my checking and savings Keybank accounts via customer support, as I moved to a state that doesn't have a branch. On XX/XX/19 I received a confirmation email. On XX/XX/19 I received a charge off notice via mail from Keybank stating I owe them the service charges that have been accruing for the previous three months on the savings account I thought I had closed. 

I called the Keybank customer support line, and the representative said there was nothing she could do and forwarded me to the debt collections department. That representative also stated there was nothing they could do as the only action they could take was to collect the debt. She did suggest I call the branch where I opened the account to see if they could help. They could not. The manager didn't even know that accounts could be closed over the phone. 

Without any other options, I scheduled the balance to be paid off on XX/XX/19. This was an extremely frustrating situation that was the fault of Keybank. Their representative did not close all the accounts I requested. Mistakes happen, but Keybank made no attempt to rectify the situation. If I ever move back to a state that has a Keybank branches, I will certainly not be a returning customer and would suggest that others avoid them.
Product: Debt collection

Debt collector robo calls phone after XXXX. Person they are calling for does not live at residence.
Product: Debt collection

ACIMA DIGITAL FKA SIMP XXXX XXXX {$1500.00} I just disputed this inquiry and below I will be attaching documents that I paid for this furniture by cash app in full At XXXX XXXX Yes I did buy and pay for furniture I only signed up for acima digital because I was told I had to do a credit application to get the items I ended up paying two payments a week apart of each other because I didnt want a lengthy process when paying for furniture in full I did create a credit account for Acima and put my payment information on file but didnt use the credit because I ended up going through the furniture store to make two payments to pay off the furniture I brought a recliner living set I paid {$1000.00} XX/XX/XXXX And another {$1000.00} XXXX XXXX Which means someone in the store charged me for services I didnt inquire and for an item I didnt receive So again my privacy has been violated Under Section 604 15 U.S Code 1618B Section 605 A 15 U.S Code 1618 C-1 Section 605 B 15 U.S Code 1618 C-2 This is identity theft because I didnt authorize my personal identity to a debt for items that I didnt obtain or receive I am filing an identity theft report with the ftc Because someone at the furniture store used my identity to obtain product from my personal information
Product: Debt collection

I came Across the CFPB Lawsuit. 

i Feel that i was negatively Impacted by ( XXXX ) Hurting my Chance at Credit after receiving a response to my earlier dispute. that the account were verified.

but didn't Receive Any details about the Investigation.

PURSUANT TO 15USC 168Is-2
Product: Credit reporting, credit repair services, or other personal consumer reports

With all  XXXX  Credit Bureaus  XXXX ,  XXXX  and Experian.   I have been going through this for a years. I have been disputing items off my credit report for a year they come off then they get back on Now with all of a sudden i own a house a car i never in my life owned a house i never in my life had a drivers licence i put a identity theft alert on all three of my credit reports because i recently found out i got my identity stolen last year so i started looking into my credit report and find a lot of things on my credit that did n't belong to me. now i am the victim that needs to proof that I do n't have a car or a home. Ther e are Medical bills that were paid late by my insurance company still on my credit report and still wo n't be removed i have been disputing this since last year. A   XXXX    cable company that Does not belo ng to me because like i keep telling them i have  XXXX  and i have been a customer of them for years and still am. I have so many different addresses on my credit report that i never lived at. So many discr epancies and nothing gets done. Until when what else do i have to do?? I have Attached my I.D, Police Report and my S.S. thinking that hopefully things will get solve but no they what more and more information from me until when do i have to keep goin g to this?? hopefully this will be the end of all this mess!! Please Help tell me what i need to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. This is my second attempt to contact you about several fraudulent accounts that you are reporting on my credit file. I would like to dispute the following accounts as an internal dispute and an affidavit. I am unaware of the accoutns. I was affected by the credit breach and my name was leaked. I have never filed for any bankruptcy and I am unaware as to why it is listed on my credit file. I dont know if you got the wrong person but I am sorry to say Ive never dealt with any bankruptcy. The last time I applied for any credit was in early XX/XX/XXXX. I havent really checked my credit for years since then. The inquiry items are XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX 4. XXXX XX/XX/XXXX 5. XXXX   XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX 8. XXXX   XXXX 9. XXXX XX/XX/XXXX 10. XXXX XXXX XXXX XXXX 11. XXXX XXXX 12. XXXX XXXX XXXX   13. XXXX XXXX 14. XXXX AXXXX XXXX  15. XXXX XXXX XXXX 16. XXXX XXXX XXXX 17. XXXX XXXX XXXX 18. XXXX XXXX Collections : XXXX XXXX XXXX XXXX XXXX 3. XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7.XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 45 days, I have been reaching out to XXXX XXXX XXXXk regarding my account showing as closed on my credit reports. I have disputed the closed status several time with all credit agencies and also have reached out to XXXX XXXX XXXX to correct, and they continue to not update status as an open account. This information directly impact my credit score as I attempt to fix my credit scores.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Subject : Request for Removal of Unverifiable Account I am writing to formally request the removal of an account from my credit report as reported by Experian. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$20000.00} from XXXX XXXX XXXX XXXX {$250.00} from XXXX XXXX  XXXX {$2300.00} from XXXX XXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful noncompliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. Thank you for your immediate attention to this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my account with XXXX  off and it was closed per my request, Transunion is reporting a charge-off which is incorrect! Ive disputed the account and its been corrected on XXXX end but Transunion is not Displaying it correctly.
Product: Debt collection

I then sent Satisfaction of debt documentation via fax and certified mail # XXXX on XXXX XXXX XXXX. I called customer service again on XX/XX/2023 approx XXXX to ask if title can be released electronically and was told title would not be released due to company prematurely discharging debt and closure of account. After speaking with agent approx 30 mins to understand the reason for not releasing title She then continued to blame me and began to use derogatory terms and abusive language, stating you must be XXXX speaking on the release of title. This agent then began to state that they will be attempting to reopen account without my permission. Agent did confirm 3 times during phone call that the status of account is showing Paid in Full and still showing closed as of today and she also admitted it could be a possibility this action was a mistake on their part but she understood they do not have my permission to reopen or recontract any terms on a discharged debt due to no fault of my own. I then again asked agent to confirm current account status and Is the account status showing it is Paid in Full and is account closed? She replied again Yes
Product: Credit reporting or other personal consumer reports

After going through my credit report, I noticed fraudulent accounts. Please remove them from my report, as they are hindering my ability to obtain credit. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have sent a few CFPB responses in regards to Bridgecrest and they have not been properly resolved by Bridgecrest. The Fair Debt Collection Practices is intended to ensure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuse This includes Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit results from an awareness of the cost thereof by consumers. I have been deceived by Bridgecrest. This includes them providing false and misleading information during my consumer credit transaction. I am a Federally Protected consumer that has not received sufficient information on the verification of the alleged debt. Bridgecrest has threatened to disable/repossess property that is mine, continually attempts to collect on an alleged debt after I have sent a cease and desist 15 USC 1692c ( c ). It has been unauthorized use of my credit card in which I did not benefit from Pursuant 15 USC 1602 ( p ). Please see attached