23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I applied for a loan from Evergreen Services earlier today, XX/XX/2020. 

I was told that the loan had been approved, but they explained that the loan involves a two-weekly finance fee of {$120.00} on a principal of {$400.00}. I asked what the APR was and they refused to tell me telling me that the payments were flexible and I could pay just the finance fee or some of the principal too. 

I declined the offer of a loan as it was too expensive for my budget, but I am concerned that they refused to tell me the APR when I directly asked for it.
Product: Credit card

I am a member at XXXX ( XXXX ). At XXXX I have an XXXX credit card. This card had a promotion going through XXXX XXXX, 2016, to make five purchases, each & gt ; {$25.00} to get a {$10.00} bonus credit to the account. I complied with terms, and XXXX agrees. XXXX has not complied, and they acknowledge so. This bonus is a marketing promotion, a small amount for each customer ; however, there is a disclosure/compliance issue now, many XXXX customers in Massachusetts, where I live, and across the US, may be also affected -- possibly all who have XXXX cards there. XXXX has not credited the bonus as required, and despite my calls escalating to their executive resolution team on three occasions. At each level XXXX acknowledges fault, promises a resolution, but does not call back in the promised timeframe. Since many XXXX XXXX card customers may be affected similarly, I ask that you follow up with an inquiry there. I am asking XXXX to cooperate with you on my XXXX account and provide info to you as necessary. To summarize, the issue concerns XXXX noncompliance with its bonus offer on the XXXX card during XXXX, 2016. I have also filed with the Massachusetts Attorney General and XXXX
Product: Debt collection

I was called by a debt collection company, they didnt say the company name not could I be told what the original debt that I supposedly owed. The company wanted me to give them my information so they could verify why they were calling me because the representative didnt know. I never received written notice about the debt I supposedly owe and a original debt holder is not listed on the account that was put on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 

XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$260.00} XXXX  XXXX Bankruptcy XXXX Date Filed : XX/XX/2019 If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts violate my federal protected consume rights to privacy confidentially under 15 USC1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have already file a complaint to have these accounts to remove.

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.
Product: Debt collection

Liberty Credit Services has attempted to garnish XXXX different bank accounts of mine on a debt that is past the statute of limitations
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Product: Money transfer, virtual currency, or money service

Hi, my name is XXXX XXXX and my story is I purchased some assets from Coinbase around XX/XX/XXXX and XXXX. Their system was glitchy. They had me write down multiple passwords. Then their AI bought customer service that advised me to delete my account And requested that I give them my password and which I told him that I was given 12 different passwords and then they told me that I needed the 12 word security seed phrase in order to get and restore my account and then my assets right there the block chain somewhere and then I could not get them. 

For the next two weeks with useless customer service and trying to access and recover my accounts and funds myself. I discovered that my funds were accessible and they were on a third-party joint block chain app I started my own theory and domain name to transfer my assets that I bought from Coinbase over to my account, but apparently Coinbase has custodianship over my assets.

When I said, I found my assets and I wanted them in my account. They then told me that I needed permission to get my own assets that they told me number one could only be retrieved with 12 word password which I found without, that they couldnt do anything, that they were lost forever, that I could never find that there was no way to retrieve those accounts or funds and then when I find them, they tell me that I need permission and that I have to wait for my funds is the long story short of the story.

On top of that, the severe emotional distress and acute stress has been unbearable. I haven't been sleeping. I have been eating. My mental health is declining, and this is all because I decided to go with the company that every day since I went with them, I regret every single waking hour mid second that I spent, only trusting them acquiring my XXXX they said I could not get and then later tell me I need permission to get them and that they're in their custody. 

They even have an asset recovery page on their website and then whenever I put that the exact precise details of my account, the transaction ID or cash number it doesnt go through. 

Here I am XX/XX/XXXX. I submitted my over {$12000.00} to them and I have no access to it and they completely lied to me and now theyre keeping my accounts from me telling me I need permission and that I need to wait. They told me I could never get that. This is whole situation is not right, is clear unfair and deceptive practices going on, and am seeking criminal justice for court bases unethical and immoral business practices.
Product: Credit reporting or other personal consumer reports

I am writing to address fraudulent and unauthorized credit inquiries on my Equifax credit report by XXXX ( XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), and XXXX  ( XX/XX/XXXX ). I have no open accounts or authorized relationships with these entities. This matter has been raised previously through an FTC identity theft report and two CFPB complaints ( # XXXX filed on XX/XX/XXXX, and # XXXX filed on XX/XX/XXXX ). Despite these actions, the inquiries remain on my report, causing harm to my credit profile and violating 15 USC 1681c-2.

attached are : -my last 4 credit reports showing how they've been deleted, re-added and the same process repeated -FTC reports -Letter
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, Re : Request for removal of Unauthorized Addresses PLEASE EXPLAIN TO ME WHAT IS HAPPENING?!?! I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND DISCOVERED THE FOLLOWING INFORMATION TO BE IN ERROR. 

1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX 5. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX 6. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX 7. The following personal information is incorrect Account Number : Employers : XXXX XXXX, it is a fact, that the affiant is aware, that this INACCURATE, ERRONEOUS, OBSELETE INFORMATION is unauthorized and has been furnished without my consent. There was no permissible purpose and is a violation of 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) The following information below is the only information that is correct and accurate and is not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act : This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

MY CORRECT INFORMATION IS AS FOLLOWS : My correct name is XXXX XXXX My correct address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX My correct birthdate is Date of Birth : XX/XX/XXXX I do not want my employer listed! 

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file. With the amount of identity theft happening now, I am concerned that someone could mistakenly identify me as someone else, even a person with a similar name to mine. Therefore, I am asking that you correct this information by removing any incorrect names and addresses and leaving only my correct name on my file, as stated above. 

I HAVE PROVIDED MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD TO VERIFY MY IDENTITY AND CURRENT ADDRESS. PLEASE NOTIFY ANY CREDITORS WHO MAY BE REPORTING ANY UNAUTHORIZED PAST ACCOUNTS THAT ARE NOT IN CONNECTION WITH THE MENTIONED INFORMATION PROVIDED. 

Please CORRECT the information PER MY REQUEST and REMOVE THE INACCURATE FROM MY CREDIT REPORT AND SEND ME AN UPDATED COPY OF MY CREDIT REPORT TO THE ABOVE ADDRESS IMMEDIATELY!!! 

Please note that you have XXXX days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

THANK YOU Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Due to a data breach, my personal information was compromised, resulting in unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me but remain on my report, adversely affecting my credit profile. Despite my efforts to resolve these inaccuracies, they persist, raising significant concerns about the security of my personal information and the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant 15 USC 1681b ( a ) ( 2 ) a consumer reporting agency may furnish a consumer report under following circumstances and no other in accordance with the written instructions of the consumer to whom it relates! I XXXX XXXX as the consumer has NEVER gave any consent for XXXX, XXXX or Equifax to furnish this account ( XXXX XXXX XXXX  ) and inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) on my consumer report! As consumer reporting agencies, pursuant to 15 USC 1681e ( b ), you're failing to follow reasonable procedures to assure maximum possible accuracy of the information being reported on my consumer report. Your actions is damaging my reputation, character, credit worthiness!
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC code 1681 a ( d ) ( 2 ) ( A ) ( i ), Experian has been reporting my utilization and late payments, which is also a violation since Congress states that portion should be excluded from credit reporting. 

Late payments reported : XXXX. XXXXXXXX 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, credit repair services, or other personal consumer reports

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} ; U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1700.00} ; U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I 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 balances despite initially available funds. 1 believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

I typically receive my pay on Thursday, a day early from the actual payday. I noticed that I did not receive it on yesterday and after several hours, I saw that others were having the same issue on social media. I checked online several times and did not see any official update from Capital One and according to the website all systems were operational. After the day went on and I still did not see a deposit, I called Capital One and was told that there was a technical issue that they were working to resolve as soon as possible, but there was no other information available. I was told to wait until today because it is my actual payday to see if the phone show up, but still nothing.
Product: Student loan

I was told when I started the program at XXXX that they 'd cover all tuition with low interest federal loans. Then half way through they told me my options ran out and I had to leave the program or take these private loans. I declined. They said they 'd work with lenders to get me grants that would not need to be repaid. So I stayed in school, then at the end they told me they never got the grants and instead got me loans, at a rate of XXXX % through Navient. When I got my first bill it was XXXX % and XXXX %. I tried for years to work with them but their minimum payments were ridiculously high. Now they are suing me and taking me to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with all three credit bureaus to have the dismissed Chapter XXXX deleted due to being misguided by the lawyer group XXXX XXXX XXXX on the proper filing for Chapter XXXX. Ive submitted disputes every quarter starting in 2018 via the bureaus direct websites.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISPUTE THIS ITEMS OFF MY CREDIT REPORT. THIS ITEM WAS OFF MY CREDIT REPORT NOW ITS BACK ON MY CREDIT REPORT NOW ITS DAMAGING MY LOANS AND CREDIT IAM GETTING STRESSFUL. THIS WAS NOT ON MY CREDIT. PLEASE BLOCK THIS ACCOUNT AND KEEP IT FROM COMING BACK ON MY CREDIT THIS IS THE THIRD TIME THIS HAPPEN. EXPERIAN NEED REMOVE OR THIS ACCOUNT
Product: Checking or savings account

i submitted XXXX disputes with venmo which were denied and their reasoning is not logical at all. I have submitted a request asking to please provide documentation that was used to come to their determination but i have yet to receive it.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently reviewed a copy of my ( Experian, Equifax, and Transunion ) credit report and I noticed some late payments on there. 

Original Creditor : XXXXXXXX XXXX XXXX Account Number : XXXX Your company is in clear violation of the law. 

Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL. 
Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not give your company written permission to furnish these late payments on my credit report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all the late payments from my consumer report, this agency violates 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above-referenced account will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 USC 1681n Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

18 U.S.C 1082 ( a ) This company breached my personal information without my consent.

15 U.S.C 6802 Gramm-Leach-Bliley 15 U.S.C 6802 ( a ) ( a ) Notice : This company directly, disclosed my personal information to multiple nonaffiliated third parties, and did not provide me with a notice that complies with section 6803 of this title. This company did not have my verbal consent to use and share my information with other nonaffiliated institutions, by law is a violation of identity theft. 
15 U.S.C 6802 ( b ) Opt-Out This company actively disclosed my nonpublic personal information to nonaffiliated third parties which such financial institution did not clearly and conspicuously disclose this information to me, in writing or in electronic form under section 6804 of this title, that such information may be disclosed to such third party ; I was never given the consumer opportunity, to initially disclose this information, to refuse that such information shall not be disclosed to such third party ; and that I am given an explanation of how the I can exercise the nondisclosure option. 
15 U.S.C 1681s-2 ( a ) This company closed and furnished an account on my consumer report without my consent.

15 U.S.C 6802 ( d ) This company disclosed my payments to nonaffiliated third parties which still reflects on my consumer report. 
12 CFR 226.15 ( a ) As a consumer I was not rightfully sent two copies of notice that gives the option to opt-out from this company with my rights to rescind clearly and conspicuously.
Product: Credit reporting or other personal consumer reports

I earlier file a complaint of wrong reporting on this account and the investigation didn't make any corrections. 
In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting, I an account that are not correctly reported- XXXX XXXX account number XXXX you have it as recent balance XXXX as of XX/XX/2024 and status of account charged-off XXXX written-off XXXX but this account has been paid-off. 

You can call XXXX to find out about this account which is paid-off but your investigation came back as your correct information is accurate which is not true here is the payment confirmation number, call them and provide the number to them to confirm payment - XXXX
Product: Mortgage

Because I recently put my life savings investments into BBVA I decided to go with BBVA for a loan to purchase a new home. The escrow was supposed to close today, XXXX, but underwriting has completely dropped the ball and failed to process the documents. I just fount out I was never provided required paperwork. The processor quit her job so someone else has had to take over. Evidently it's just been sitting idle on an empty desk. It seems they are making me start over when I was told I was approved for the loan and they agreed to my closing escrow date of XXXX. The sellers have already vacated the home and let for a another state. It now appears I may loose the retirement home I am trying to purchase because they can not fund the purchase timely. The problems appear to be in their XXXX, Alabama, Office. My realtor and title officer have been working tirelessly trying to get some kind of answers, but no one cooperates. The Mortgage Officer/originator is XXXX XXXX, unfortunately he can not even get proper response from the company he works for.