23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX, I deposited a check from my XXXX, XXXX was an income check. The mobile check deposit stated it would not be available until Monday XX/XX/XXXX. I called Discover Bank and the representative said I could call back on Thursday and speak with a representative/specialist who could verify funds so they would be available on Friday XX/XX/XXXX. 
I called Thursday and the female representative verified funds and assured me they would be available on Friday. Friday XXXX my funds were not in my account. I called at XXXX and the specialist told me the precious representative did not complete the process they way it should have been and he was going to do that for me now and the funds should be available. I called back at XXXX XXXX  and funds still wre not available however I was assured they would be by EOD XXXX I called back at XXXX still no funds. The representative told me it should be available by XXXX XXXX  that evening. I called back again at XXXX still no funds. I called again ay XXXX XXXX  on Saturday XX/XX/XXXX, the representative said she could see where the date available was the XXXX. She told me the department I needed to speak with did not open until XXXX XXXX. I called back at XXXX and spoke with a specialist in the department and she informed that the verification step was not done and I told her that yes it was, the gentleman on Friday did that step and assured me the funds would be available on the XXXX. She then put me on a lengthy hold and came back to inform me that yes it was completed however the funds won't be available until Monday the XXXX. 
I asked to speak with a manager and he basically stated the same thing that despite all 4 representatives I had spoken to and assured me the funds would be available on the XXXX, that was incorrect and it would be Monday. 
I needed this money available on the XXXX as they stated several times. I had a financial matter that needed to be handled no later than the XXXX and I am now not able to because I trusted Discover Bank to do their job correctly. 
I closed my savings account because of this and plan on closing my checking once this matter is handled. I also have a joint account that we will be closing and my fiance will be closing his accounts as well. 
I have financially harmed because Discover customer representatives lied to me and failed to do their job properly. This was an income check that never should have been help and a representative on Thursday the XXXX called the bank the check was written from the verify funds. 
I am filling this complaint so other consumers can be informed of the type of business practices Discover has. Absolutely unacceptable that every representative I spoke with assured me funds would be available and they were not. I trusted Discover Bank therefore I did not transfer money from my HYSA so I could make sure I would be able to fulfill an obligation I had on the XXXX. 
It should be noted, I have had my account since 2019, never had a returned check and at times have deposits in excess of {$20000.00} a month. I am a very good customer.
Product: Credit card or prepaid card

I had opened this credit card account recently and was scheduled to make a first payment. I made my first payment of {$100.00} on XXXX the XXXX of XXXX which went through and processed successfully. There was a technical error that occurred due to their website which allowed their system to attempt to process this same payment multiple times ( 3 other times to be exact ). I don't know how or why this happened but their website tried to process this same {$100.00} payment that was already successful for 3 other times on and it was unsuccessful due to me not having that amount of money in my bank account for it to process. 

This Credit card company closed my account due to this technical issue and will not allow me to reopen my account even though my account is up to date, my first payment was paid successfully on time ( before it was even due ). I never had a late charge, nothing. And this company closed my account due to an error on their own website! This is now going to go against my credit, I still have to pay off the remaining balance which they will allow me to do, however they won't reopen my account. Please help me! This is absurd! I literally had the account 1 month and it was in good standing the entire time! This is not right! Their supervisor says there is nothing they can do
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Experian were sent certified letters notifying them of inaccurate information in credit report such as inquires, debt validation and outstanding information pass the 6-7 year mark to remove information according to the FFCRA. I spoke to a representative and they refuse to remove inaccurate inquires on credit file. The reporting agencies has not verify any of these inquires showing any proof that I have sign or authorized as such. I ask that any items 7 plus years get removed, any addresses and phone numbers that is not associated with me to be removed as well. My credit file is locked and is still accessible.
Product: Credit reporting or other personal consumer reports

I had a XXXX when I sign-up for kickoff to help my score... I got sick and lost my job to cover I emailed them and they kept reporting all kinds of stuff and unknown linked to them ... .I used this service to help and they applied predatory practices please help me to get them to remove this they can keep the XXXX  XXXX I paid but this is horrible taking advantage when someone is sick with XXXX and didn't hear nothing my credit was destroyed after using them XXXX to XXXX bc I got sick from XXXX and nobody would do nothing lost my job and made me lose my credit I'm a XXXX XXXX XXXX barely making it please help
Product: Credit card or prepaid card

PLEASE HEPL!!! 

I currently have an account open with American Express for my platinum card. One of the benefits that this type of card provides is the Purchase Protection policy. It covers you for loss, damage or theft of items purchased with your platinum card for up to 90 days after the purchase. 

I recently bought a pair of gold emerald earrings in XXXX during a trip there ( XX/XX/2021 ), unfortunately I lost my earrings on a trip to XXXX, XXXX to the beach weeks after the purchase ( XX/XX/2021 ). I called Amex XXXX to provide all the details of the loss and submitted an online claim with all pertaining information. Since then, they have been really difficult to provide a resolution. Every time I call, the waits are long on the phone, and they have asked for a recorded statement, which I provided to them, nevertheless they have come back and asked for a recorded statement from all family members present in the trip with me, and also a recorded statement from the person who hosted us during the trip, and pictures from the trip. Amex XXXX is working with another party a G4 S claim examiner whose request for additional information are not adequate. This is in fact a way for them to make this claim 's resolution lengthy and difficult, and not pay the claim when by the policy means I am entitled to receive the benefit after providing all adequate information pertaining to the process of the claim. 

PLEASE HELP!! claims is for {$3700.00} Thank you!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking over my report & I have noticed that the creditors & bureaus that I have constantly been contacting has not responded nor has not provided me any information in written response regarding these accounts that are inaccurate under section 609 fcra these accounts should be removed. Please review & remove these accounts from my report. I am very disappointed in the unprofessional works. 

This is slowing me down with bettering myself
Product: Debt collection

In response toy your complaint number XXXX. The validation of the debt you submitted does nto validate a debt. You sent me statements that shows an address I never lived at. the address on those statements is XXXX XXXX XXXX, XXXX NY XXXX. Clearly this account was a fraud opened without my authorization. And you keep sending statements and you refuse to send me the signed credit application that shows the signature and the address used to apply for that debt in my name. 

I need the credit applaiction to take this case to court.
Product: Credit card

On XXXX XXXX XXXX I was denied an extension of credit by Capital One Bank when I applied for a Capital One credit card. 
As you may be aware, it is against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant to 15 U.S Code 1691c you assume civil liability pursuant to 15 U.S Code 1691e. Capital One Bank violated my federally protected consumer rights. Treating me less favorable than other applicants for any reason is discrimination. Pursuant 15 USC 1691a ( d ) It is my right to be granted credit by Capital One Bank. 
1 ) 15 USC 1691 2 ) 12 CFR 1002 Since the letter sent to me dated XX/XX/2023 is both proof and evidence that I have been discriminated against, you are also criminally liable. There is no statute of limitation on fraud. Capital One Bank should consider resorting to reasonable procedures to rectify this affair and compensate me for the use of my securities. Otherwise, this would be considered securities fraud since I have received NO BENEFIT from my tender of collateral. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had several cards with XXXX. I have a credit card with them that begins in XXXX. This account was opened on XX/XX/, 1992. There have been making changes with this XXXX  or XXXX  card. I have never been late until one time this year which I believe is the company problem. I have always had my auto payment on but when the company made changes it was turned off or removed. I never received a notice that I owed on this account since I did not make a charge of this account. I believe the charge is a charge for having the account. I have not been able to access this account on line and have been in touch with the company. They claim their going to mail me a form but I have never received it. Based on all of the changes and never being late in over 20 years I want the company to remove the late payment from the credit agency. When I called in the representative at the company agreed to put my automatic payment back on. 

I could not pay for something that Iwas not notified about
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX student account number is XXXX refuse to remove a old student loan from 33 years ago off all 3 of my credit reports and I'm on XXXX they supposed to be removed anyway by law they say it takes 3 years to wait while I'm on XXXX to discharge the loan and it has been 3 years
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX ( Original Creditor : XXXX XXXX ), CREDIT COLL ( Original Creditor : XXXX CCS ON BEHALF OF XXXX XXXX ), and XXXX ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX (  Original Creditor : XXXX XXXX ), CREDIT COLL ( Original Creditor : XXXX CCS ON BEHALF OF XXXX XXXX ), and XXXX ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several attempts I have notified Equifax in writing and via disputes CA FED Bk CT, XXXX is incomplete and inaccurate, but Eqauifax refuses to follow the law set forth by FTC and FCRA by violating my consumer rights under 15 U.S.C 1681i ( 5 ). I have send proof of documentation from Pacer ( Public Records, XXXX XXXX XXXX Courst, and the source cited by Equifax which is XXXX XXXX XXXX. It is clear that no investigation has been reasonable done if at all because there are several incomplete and inaccurate information being reported on my credit report.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer
Product: Debt collection

This company has not provided me validation of this debt. I have never done business with them, so I have no idea who they are and why they think I owe them money. While doing my research in who they are I 've also learned that their license with the Tennessee Department of Commerce has been expired since XX/XX/XXXX. They are authorized to collect on any debt without a license. I would like this debt removed from my credit reports immediately please
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reports my previous address from twenty years ago as my current address and refuses stop sending me a letter stating that this address, referencing my current address, has recently changed. Every year they send me this specific letter stating this change of address within the last few months.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in XXXX days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraud inquiries on my equifax credit file.I have sent a copy of the ftc affidavit drivers license and social security card as required by law. Equifax then tells me the inquiries were deleted but they are still on my report then they tell me to send in the documents again I have sent those documents over and over spending money.when the rep at equifax confirms the inquiries should be deleted instead of deleting them they tell me to send in the same documents. Equifax is by far the worst credit agency
Product: Student loan

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) As a matter of fact, XXXX XXXX XXXX and their Parent company, XXXX were investigated by the attorneys general of several states and have been found to have acted in a fraudulent manner. 
Because of the numerous claims of fraud and misconduct perpetrated by XXXX XXXX XXXX XXXX XXXX XXXX has just announced a blanket discharge for anyone enrolled at XXXX XXXX XXXX  from XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
My Federal loans in the amount of around XXXX including interest charged were discharged and my credit repaired. 
I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early XXXX XXXXThese private loans with a high risk of default were part of a package deal offered to " for profit online schools '', but loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. 
I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least 150 for profit online schools. 
After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? 
Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? 
Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved.

This application is a sham.

Why do we need to prove anything?

Navient knows who we are.

Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. 
Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. 
Senator XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW! 

Link to Senator XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, I already submitted a complaint # : XXXX for JPMORGAN CHASE BANK. This complaint does not show on your website anymore. So I have to start over again. 
I have my house for sale in escrow. On the Preliminary report, Title shows a second loan mortgage # :XXXX of {$65000.00} which it was merged to my first loan mortgage # :XXXX with Washington Mutual/Chase Bank on a Loan Modification in XX/XX/XXXX. In other words, I do have only one mortgage with Chase ending # : XXXX. 
On XX/XX/XXXX, through my escrow officer I request demand and Reconveyance to Chase-JP Morgan Chase Bank/Washington Mutual Bank. 
On XX/XX/XXXX, my escrow requested by second to Chase/WaMu Banks time by fax ( XXXX ) XXXX a full reconveyance on the second loan, the bank did not answer. 
On XX/XX/XXXX, a third request was emailed to lien.release.customer.researmych@jpmchase.com through the Broker who represents me on the sale. All three requests have been sent with my Authorization Letter signed and dated authorizing XXXX XXXX XXXX, Broker XXXX XXXX, and my Agent XXXX XXXX to speak on my behalf ; a copy of Deed of Trust, Preliminary Title Report. All requests including my complain to your CFPB had been very specific, I NEED A COPY OF THE EXECUTED FULL RECONVEYANCE ON LOAN # : XXXX. 
I have been talking to the Chase Customer Client every day, always with different person. Attached is a letter from Chase saying a specialist XXXX XXXX was assigned to help me. I've never been able to talk to this person I left her many messages with no answers. On XX/XX/XXXX, I received from Chase a copy of the loan modification # : XXXX that I did not request. Today, XX/XX/XXXX, I received the pay off of the same loan that I do not need either. I repeat once again that the only thing I keep asking for is A COPY OF THE EXECUTED FULL RECONVEYANCE ON LOAN # : XXXX.
Product: Credit reporting or other personal consumer reports

I retrieved a copy of my credit report Transunion and discovered an inquiry that I have no knowledge of. On XX/XX/year>, XXXX XXXX appear on my credit reports as a hard inquiry that impacted on my credit score. I never authorized hard inquiry on my credit report for this company. 

Please launch an investigation into XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXX XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

i noticed unauthorized inquiries on my credit report and fraudulent accts that I do not recognize. I believe someone has my personal information and is posing as me to obtain credit 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. Hard Inquiries XXXX XXXX XXXX XXXX Account name : XXXX XXXX acct # XXXX Account name : Self Lead bank acct # XXXX Account name : I C system Acct # 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. You may have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt.