23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2020 I tried using my prepaid debit card ( unemployment benefits card ) to make a purchase, I was given the message insufficient funds, I immediately checked my account knowing I had just been paid by Nevada unemployment that morning. My account showed a withdrawal of {$980.00} from XXXX XXXX XXXX. I immediately called BofA who my prepaid card is through to report this unauthorized transaction, the representative immediately closed that card and reissued me a new one and transferred me over to the fraud division. I was on the phone with the representative of BofA fraud division for almost 30 minutes going over what happened and what I needed to do from that point forward. I complied with everything they asked me to do including filing a police report just to find out 2 days later they closed my claim on getting reinstated back my funds. I've have since called 4 times in a 2 week period inquiring on the staus just to be told it would be escalated and to this date nothing. I have read and researched this problem that XXXX people have had the same issue and 99 % of the ones I've spoke to have yet to get any help from Bank of America getting back. Now yesterday XX/XX/2020 I went to make a withdrawal from a BofA atm and it states my account is frozen with {$470.00} in the account. I called BofA again they said it was frozen by XXXX which I can't get through to. I can't get any correct information from BofA as to why they can see my funds but can't give them to me with all the proper identification. PLEASE HELP ME, IT'S THE ONLY FUNDS I HAVE TO SURVIVE
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX CBSA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cease and Desist Demand To Whom It May Concern, I am writing to formally request that you cease and desist all communication with me regarding the alleged debt associated with [ account number, if applicable ] under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). Pursuant to federal and state law, I demand that you immediately stop all forms of contact with me, including but not limited to phone calls, letters, emails, or any other communication methods. This request applies to any attempt to collect this debt directly or through third parties. Please be advised that any further contact from your company, aside from legally required notices, XXXX constitute harassment and a violation of my rights under the FDCPA. If you fail to comply with this request, I will explore all legal remedies available to me, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. Additionally, if you believe that this debt is valid, I request full validation of the debt, including the original creditors name, the amount owed, and any supporting documentation proving my obligation to pay. If you do not provide proper validation, I will consider this matter closed. Please confirm in writing that you have received and will comply with this request. Sincerely, XXXX XXXX XX/XX/year> I requested full validation of the debt including the original creditors name, the amount owed, and any supporting documentation proving my obligation to pay. I received the papers that was provided to me and none of these papers is proof that I owe debt to CBSA. There is nothing stated in agreement with signatures that I need to pay or I owe CBSA. There are no signatures whatsoever with the collector CBSA or XXXX XXXX XXXX. These papers have no verification on them whatsoever for they could be fake documents. Please respond with proper validation of debt in 30 days or this must be deleted from my credit report. XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd complaint 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 items 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 items : 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  {$0.00} XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX  {$1100.00} XXXX XXXX XXXX  : {$6300.00} XXXX XXXX XXXX XXXX  {$15000.00} XXXX XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} U S DEPT OF EDXXXX XXXX XXXX : {$0.00} U S DEPT OF EDXXXX XXXX XXXXXXXX : {$0.00} U S DEPT OF ED/XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$920.00} XXXX XXXX Bankruptcy XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  U S DEPT OF EDXXXX XXXX XXXX XXXX {$0.00} U S DEPT OF EDXXXX XXXX XXXX : {$0.00} U S DEPT OF EDXXXX XXXX XXXX : {$0.00} U S DEPT OF EDXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$7100.00} U S DEPT OF EDXXXX XXXX XXXX : {$0.00} U S DEPT OF EDXXXX XXXX XXXX : {$0.00} 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

We opened our LLC business XX/XX/XXXX as XXXX  XXXX XXXX XXXX. We recently started building our credit and we were getting denied then realized there was alot of inconsistencies on our business credit report. We have been denied with 9 inquiries for our business and creditors are told our business doesnt exist. We contacted Lexis Nexis XX/XX/XXXX about this situation. Lexis Nexis stated that they could not confirm our business information and asked us to scan our EIN letter and Articles and proof of address into them. We did this, and they stated they still could not confirm and said to allow them 60 days to investigate. We received a report by mail for XXXX XXXXXXXX. We contacted them by phone to advise them of the missing letter on the " enterprises ''. Again, they wanted us to send documents, we sent them and still the same info they sent to us is someone else 's business information which includes someone elses private financial information and sensitive information. We contacted Lexis Nexis again and requested to speak with a supervisor to resolve the situation. They stated a supervisor would contact us within 48 hours. A supervisor did contact us, but advised us we need to send in documents and that they could not start an investigation without the info. We advised her that we did send in documents 5 times, documents confirming our business was sent in multiple times. We informed her that they are pulling up the wrong business and to check the spelling on the business name and the Entity ID number. No resolution on this call. Stated there is nothing they can do. We called Lexis Nexis again to complain that the investigation of the business is NOT our business, the entity number and spelling of the business they sent us is different from ours. Also our business address was updated and that info was sent to them as well. attaching documents.
Product: Student loan

Navient has sytematically and illegally failed me at every stage of the student load repayment process. Navient has also systematically failed me in the beginning stages of loan origination. Navient 's response that the lawsuit is politically motivated is a copout to their known, intentional, and repulsive activities. Navient 's response infuriates me because I do n't need to research how they 've failed consumers. Citations are not needed for me to understand what they 've done. I have my own personal experience with Navient, its subsidiaries, and its associates. I am repulsed by Navient 's attempt to dodge responsibility under the cover of politics. I am repulsed by Navient 's effort to justify their evil mistreatment of consumers at every stage of the loan process. Furthermore, Navient 's response infuriates me because I have no recourse other than the hope of the Consumer Financial Protection Bureau 's lawsuit. Navient and their associates have literally intentionally lied regarding my private student loan. When it all boils down to it, it 's my word against theirs - regardless of what rules, regulations, and laws their collectors and associates must follow.
Product: Debt collection

To Whom It May Concern : When reviewing my credit report, I found several accounts listed in my name that do not belong to me. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. The items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I have contacted the Federal Trade Commission and filed a police report. I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law.

AFFIDAVITS OF LAW 1. Are you the original creditor?

2. Have you given the debtor the opportunity to review the original contract?

3. Have you validated the home address for the debtor?

4. Have you complied with all FRCA, FDCP and FDCPA laws?

5. Have you reported to the consumer who has reviewed the original contract information with his/her original signature?

6. Have you provided the names of all creditors that have provided the names and addresses of the person who has reviewed consumer relations? 

Accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX If the above has not been completed, please Delete these accounts from my credit report and stop all contact with me. Under the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me regarding the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your company management. I also have the right to file suit against you for any future violations of this law.

I have filed an FTC Report and police report
Product: Checking or savings account

I have a high-yield saving account with Goldman Sachs Marcus Online Banking XXXX I was trying to use the funds on this account as the down payment for the purchase of an apartment. I initiated the wire transfer to the title company four times via phone call with customer services as they do not have physical offices, Marcus Bank 's personnel failed every time due to execution errors, e.g., transposing recipient 's account number and entering the incorrect beneficiary information without confirming with me. Each time, the funds had to be returned by the recipient 's bank as they can not reconcile the information. Without access to my own funds and so much time wasted waiting for the funds to kick back to my account, my house closing was in jeopardy and it was already two days after the supposed closing date. Despite numerous follow-up phone calls and escalations, Marcus Bank 's personnel showed a lack of training and professionalism, and they do not have any additional ways to fix the problem. I had to borrow emergency money from friends and family, and wire them from other banks. Conversely, other banks made such wire transfers ( with the exact same information I provided ) very easily and timely. 
Details of the four failed wire transfers initiated from Marcus : 1 ) XXXX, {$50000.00}, due to incorrect recipient account number ; 2 ) XX/XX/2021, {$20000.00}, wrong beneficiary information, 3 ) XX/XX/2021, {$50000.00}, Marcus cancelled the transaction without noticing me, 4 ) XX/XX/2021, {$50000.00}, wrong beneficiary information. 
Goldman Sachs Marcus Bank presented XXXX to provide consumers with normal financial services, lack of internal controls, and a pattern for making the same error by multiple personnel. As a consumer, this wasted lots of my personal time, limited my access to my own funds, made me have to borrow from other people, and most importantly almost costed me the opportunity to purchase my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

went to the car dealership they said that only XXXX would pull my credit. Instead there was a lot. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I deposited a local check through my app on my phone and once again my bank hit me with an nsf that I should not have been charged and decided to hold my funds for more than 5 days. This bank does not follow regular banking rules and regulations and violates the laws protecting people from these types of usury. 

( The Expedited Funds Availability Act of XXXX ( EFAA ) mandated that local checks may be held for no more than two business days. After XXXX, all checks in the United States were considered local. The two-day hold has been extended to five days as a reasonable limit for holding local checks. The Federal Reserve requires that a bank hold most checks before crediting the customers account for no longer than a reasonable period of time, which is regarded as two business days for a same-bank check and up to six business days for one drawn on a different bank. Financial institutions may hold on-us items for one business day following the deposit. Many use the term EFAA Regulation interchangeably with ( Reg ) CC. )
Product: Debt collection

It has come to my attention Capital One is illegally reporting a collection on my consumer report that was both never verified or validation in accordance to 15 USC 1692g. I also never gave Capital One permission or written consent to report this account to my consumer report in accordance to the privacy act of XXXX  and the GLBA. I'm requesting this information be blocked and removed within 4 days as required by law while capital one is being investigated. I also attached an FTC Fraud report below.
Product: Money transfer, virtual currency, or money service

I used XXXX within my Chase QuickPay app to pay to an email address of one of my contractors. When I sent the the payment, it was not received in the intended account that belongs to my contractor, but in some other account. When I then received a request from the same contractor with the same email account, the money did arrive at the correct account. Thus I had two transactions, one for {$130.00} that went to the wrong account and one of {$130.00} that went to the right account. I filed a claim with Chase, but they denied it because I initiated the transfer. When I tried to dispute it, I got the run around with their customer service.
Product: Credit reporting or other personal consumer reports

After reviewing my updated credit report there are accounts that I consider to be inaccurate and incomplete which was recently obtained by your company. I am sending this letter to your company to let you know that these errors and incomplete information you are reporting have negatively impacted my credit score. 

XXXX XXXXXXXX : XXXX XXXX XXXX For Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$16000.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XX/XX/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

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX XXXXT last reported XX/XX/year> {$3200.00} 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting

I applied for and was denied consideration for a loan. I requested a report to see what was on the report upon receiving the report I noticed inaccurate and redundant information on my report and created a written dispute accordingly. The company continues to post inaccurate data on my report.
Product: Debt collection

Contacted PMAB LLC today on XX/XX/2018 to dispute debt. Debt does not belong to me, nor did I ever receive notification in writing due to an address mismatch in a mistaken identity situation.
Product: Credit reporting or other personal consumer reports

They have the wrong address on my credit report and I was a part of the data breach
Product: Credit card

on XX/XX/XXXX I 'd had call over the phone to apply for a capital one credit card on the salesperson had mentioned that I 'll be all getting a 15 month no APR on the fix rate .my surprise on XX/XX/XXXX I noticed a charge of {$76.00} in my account just on APR. I have a call Capital one to find out what was the charge sales person on the phone stating that it was my APR charges starting on XX/XX/XXXX which I never got a notice on the mail stating that my APR will be changed to 23.99 % Capital one never provide me with the notice of this charge being applied to my account at least 45 days .I think that 's against the law provide The consumer notice before the rate is change.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple supposed medical debt collectors reporting on my credit report to all three major credit bureaus they are incorrect. I have sent him letters, and nothing has been done. Trans Union, XXXX, and XXXX. It is also an accurate due to the fact that I had insurance at the supposed date of all these allegations.
Product: Credit card

A Capital One credit card is not reporting on my XXXX and XXXX credit report. The account starting with XXXX was opened XX/XX/XXXX2001 and has been paid in full. I 've notified the company repeatedly but they have failed to update the XXXX credit bureaus with the accounts information and only update the section which displays when the account last reported.
Product: Money transfer, virtual currency, or money service

I was scammed by an XXXX user and phone # XXXX XXXX XXXX ( XXXX  id ). He told me to do the transaction via zelle instead of XXXX. It was XXXX ( XXXX watch ) + XXXX ( shipping ). 
I grilled him with all the right questions including showing the prof of the watch and so forth. At the end he pushed me to make the payment an promised to ship the item within 2 hours. Instead, he just vanished. 

I have documented everything! 

This should be an easy case to close it out.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of account number ( XXXX ) ( XXXX ) for my credit card to report an issue that is negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors are required to send periodic statements that include all information required by Section 1637 ( b ) at least 21 days before the payment due date. This ensures that consumers have sufficient time to review and make necessary payments without being penalized for late payments.

Additionally, the FCRA, specifically 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of the information contained in consumer files. 
I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

The details of the late payments reported to your agency are as follows : XXXX. XXXX XXXX Account Number : XXXX o Late Payment Date : XX/XX/XXXX XXXX Payment Status : 30 days late. 
XXXX Last Payment Date : XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Late Payment Date : XXXX, XXXX XXXX Payment Status : 30 days late. 

In accordance with 15 U.S. Code 1681i, I request a full investigation into this late payment report, and I expect the information to be corrected. As per 15 U.S. Code 1681s-2, data furnishers are responsible for ensuring the accuracy and completeness of the information they report. I request that this late payment be either removed from my credit report or updated to reflect the accurate payment status. Additionally, I request that you send me an updated copy of my credit report reflecting these corrections once the investigation is complete within the legally mandated time frame.
Product: Payday loan, title loan, or personal loan

This is the second, time. I have already completed this report before. Y our firm have done anything for me to help me. I am XXXX years old man trying to make this payment of {$470.00} with a rate of 35 % is hard. I have you to look into one main Financial lending process. Can someone please help me with this problem. My loan was {$13000.00}, I have 10 payment and it still {$13000.00}. can you tell me what wrong with this picture.
Product: Credit reporting or other personal consumer reports

PLEASE UPDATE MY PERSONAL INFORMATION ON MY CONSUMER PROFILE USING THE UPDATED DOCUMENT ATTACHED BELOW.