23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

These XXXX  Accounts have violated my rights According to FCRA ; 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 
According to 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. ( I DO NOT VALIDATE THIS DEBT ). THEREFORE, THESE ACCOUNTS LISTED ABOVE MUST BE DELETED!

a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer.
Product: Debt collection

Midland Funding/ XXXX XXXX XXXX XXXX was asked to validate the said debt in the amount of {$1000.00} and {$660.00} which they are currently reporting on my credit report. Each time they sent me papers that only is a statement of account that has been later found to have a fraudulent signature on them. The head accountant on XXXX signature was on the account information they sent me when my attorney contacted him he had no knowledge of it. Bankers can no longer robo sign documents as the case pending with the DOJ now against several big banks. They have yet to send me any actual proof with my signature on it tying my to the debt. Under the New UCC Laws and, because of the previous XXXX XXXX Scheme debt collectors must provide original contract of debt. In which this company has not and fail to do so. I've asked them for the past two years and they continue to report this information. My next step is court. They had had over 45 days to comply this information needs to be removed immediately along with the constant hard credit inquiry pulls they have been making on my credit report.
Product: Student loan

I would like to file a formal complaint against my loan servicer, Nelnet. I do not believe they are handling my loans correctly and are deceptively allocating payments exclusively to one loan and not across loans which is an intended behavior designed to maximize interest fees. Also, Nelnet has been negligent in applying payments timely to decrease in daily interest compounding and increasing their earnings through interest.

Delay in processing I have been tracking the behavior of Nelnet. Recently, I have scheduled a group of daily payments. Nelnet processes the payments at the END OF BUSINESS DAY allowing Nelnet to collect interest for the day. It is taking 2-3 days for Nelnet to process a scheduled payment and there is no retroactive change to the {$9.00} daily interest I am paying. 

Payments are not being applied to my account timely AND not at all I made {$400.00} in payments via a bank check, both checks have been cashed and both checks have not been applied to my account. When I inquired, I was told I was wrong. When I filed a complaint with the Department of Education, I was told it takes XXXX ( XXXX ) days even though I submitted proof and feel as though there is no sense of urgency. Furthermore, HOW DOES THIS HAPPEN?!?!?! How do we have {$400.00} USD freely in a pay bucket and not applied to my account? 

Nelnet is not applying the payments across my XXXX loans and/or Fails to correctly apply or allocate borrower payments to their accounts We learned from the Navient lawsuit that the loan servicer is supposed to apply borrower payments across multiple loan. In XXXX, I made {$880.00} in payments and XXXX of my loans have not received any payments since XXXX of 2024. 

In addition, my loan was formerly serviced by Navient. I would like to know if my account has been properly audited for misconduct and would like a full account printed document of ALL payments received throughout the life of the loan. I look forward to your response.
Product: Credit card or prepaid card

In XXXX of 2019, I closed my American Express account at the beginning of my account calendar year. I was fed up with constant fees - such as the annual and rewards program fee. We were very long time cardholders. 

After cancelling the card, the customer service rep said I was still obligated to pay for next year 's reward fee even though I cancelled the card prior to it restarting for the year - even though the card was cancelled before the new Reward Program period began. The representative found it funny that American Express intentionally charges the Rewards Program fee right before the annual fee. He said the fee was the cost of canceling. 

Im sure you will respond that the credit card agreement allows the charge for the fee however, the act of fraud is when a party intentionally acts to deceive. 

Charging the annual rewards prior to renewal is a dishonest act. 

I dont expect CFPB to resolve this matter in my favor- but hope with enough complaints you will finally act in the public 's interest and end this practice - this is FRAUD - the intentional act to defraud. They can send me a notice for payment until the end of time but you will never get a cent! I hope they keep wasting postage and collection fees!
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Via their service I have signed up for next day payments. Bank of America at multiple different time since I been using this service has had my funds available the next business day. And like now, theyre processing my deposit two day later. A few months ago the issue was corrected for a few weeks, now were back to two days. This is cause HUGE problems with me being a small business trying to keep up with inventory and payroll. This is also causing me to over draft quite often. I do not understand how Bank Of America ( BOA ) is able to flip flop back and forth with my money. This should be illegal. Its like they doing this to make people over draft so they can collect free money.
Product: Payday loan, title loan, or personal loan

I got a call from some agency saying they were with the government and they needed to verify my accounts before I could apply for a loan consolidation for my student loans. I gave them my info and then i was told that i wasn't approved but owed money and if i didn't pay today that i would be sent to collections and sue if i didn't immediately wire payment. I called and sent the money in fear of being sue or getting in trouble because I'm XXXX XXXXXXXX XXXX. Shortly after, i tried to log into my bank account and my password was changed and i was locked out of my account. I was unaware that someone had log into my account and applied for a loan for {$6500.00} and a cash advanced for {$2500.00}. I DID NOT APPLY FOR THIS PERSONAL LOAN OR THE XXXX XXXX. Financially I CAN NOT PAY THIS BACK due to the fact I never approve or applied for the loan or XXXX XXXX and don't have the money too. This has been a hassle and stressful situation trying to get my self out of debt and this had put me in a deeper hole and potentially ruined my credit.
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 with account # XXXX opened on XX/XX/2021 and a balance of {$31000.00}. 
XXXXXXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/2021 and a balance of {$48000.00}. 
XXXX XXXX XXXX  with account # XXXX opened on XX/XX/2021 and a balance of {$9400.00}. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there and it's causing me anxiety.
Product: Debt collection

On XX/XX/XXXX a process server served my cousin outside of my home, while I was home. He was given paperwork for a lawsuit from Pressler, Felt and Warsaw LLP. The paperwork was filed with the court on XX/XX/XXXX ( dated on the paperwork ) and it was received by the court on XX/XX/XXXX. I had absolutely no communication from anyone about the debt before my cousin being served. I wasnt given any chance to settle the debt. It isnt on my credit report. Debt collectors can not file lawsuits against debtors without notifying them beforehand or giving them a chance to settle it. The original debt looks to be {$490.00} ( it is blurry and I can not see it in the paperwork ). They are suing me for {$810.00}. There is absolutely no breakdown of the additional charges. Pressler, Felt and Warsaw, LLP has violated the law ( s ) with this situation and I want them investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and again XXXX my identity was stolen. In XXXX XXXX Walmart started reporting a second card, even though the first one was reported stolen. I obtained a police report. My card was at a 0 balance when stolen, the person ran up 1600+ worth of charges XXXX XXXX XXXX XXXX has charged me over 600 in fees and agreed to remove an additional {$250.00} over that. Currently the balance is showing XXXX, limit XXXX. Both cards reported negative at the same time same months ... so the opened the second card while the first card was still out there ... both have delinquencies showing. I have sent Walmart police reports more than once and they declined to remove the card from my credit. Then they agreed removed it for 2 months and placed it back on my credit with both cards showing a balance. Currently it is reporting just one card as delinquent and they other one with the final month showing 30 days late. Mind you I have no negative credit from any other lenders or creditors. All my bills are paid in full. I actually called Walmart and said I know I didnt charge these items but would like to make a settlement - this was declined. They want me to pay the full amount I sent them a police report for and all of the late fees and interest over 600. 
At this time, this is the only negative account on my file. I have tried everything short of paying someone elses debt. There is also an inquiries as a XXXX XXXX which isnt me, 5 wrong phone numbers. I need assistance in getting XXXX XXXX off my credit and for these people to leave me alone and stop applying for new credit cards to add inquiries to my file as punishment for not paying the account off. This needs to stop here. Please help me. Mortgage loan is pending the outcome
Product: Credit reporting or other personal consumer reports

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement XXXX  days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has taken an account out of it's bankruptcy status and put it in a repossession status. This has been an ongoing issue with XXXX  and XXXX XXXX ( see previous complaint in which XXXX failed to respond to ). This is a clear violation of the FCRA and the bankruptcy protections. This account also updated previously that it was repossessed in XX/XX/XXXX. The account was closed in XX/XX/XXXX. I disputed the payment history because it was inaccurate and they remove it from the bankruptcy all together. Additionally it now lists the last payment was {$420.00} which is inaccurate and the date of delinquency is off.
Product: Credit card or prepaid card

Commenity Bank ( Victoria Secret Card ). Limit was {$250.00}. Card went into default and now the balance is {$700.00}. I asked for an explanation of the increased balance and was told I had over {$400.00} in late charges and $ XXXX in interest charges. I tried researching allowed late fees after the account went into default and I couldn't fine anything. Are there any limits on the amount of late charges that can be charged after default?
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. XXXX
Product: Money transfer, virtual currency, or money service

My was take and stolen out my account I was scammed several times and I could never receive any help were no live Agency support help or no real Customer service etc.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX  XXXX {$23000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$11000.00} XX/XX/XXXX XXXX  XXXX {$5800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$5000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX {$740.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$560.00} XX/XX/XXXX XXXX  XXXX XXXX {$280.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX 15 U.S.C , 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following 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 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

XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX Dear whomever it my concerns I I'm writing to request a specific information regarding my account ( ). I am particularly interested in the following details I may be victim of identity theft and trying to make sure this account is mine and accurate 1. Date of first delinquency 2. Date of last payment 3 date account opened 4 date of charge off I would be grateful if you could provide this information in writing.please mail the response to my following address : XXXX XXXX XXXX XXXX Ga XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Affirm inc has reported me 30 days late for a payment that I have already made. On my account info it shows that I have paid for XX/XX/2022 on XX/XX/2022 a payment of XXXX as attached but it has been reported today on my XXXX report XX/XX/2022 that Im past due 30 days for {$83.00}. I called the company and they refused to fix the mistake saying that they wont change anything and even hung up the phone and refused to get me to a supervisor. This is incorrectly reported with the wrong dates and the wrong amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested for XXXX, Equifax and XXXX to remove any old addresses and misspellings of my name because that is not how my credit report should reflect. They still have not updated my credit reports to show accurate information and i demand my requests be completed immediately. As it is my right as a consumer to have an accurate credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with Loan Fox INC. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Loan Fox INC for review or collection.
Product: Credit reporting or other personal consumer reports

I filed a police report for identity theft on XX/XX/XXXX for a XXXX account. I have sent letters to XXXX, Experian & XXXX they have failed to remove this from my credit report. I filed a FTC report as well. I also had Inquiries I did not authorize on my credit report. I will list them : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX.
Product: Credit card

I had XXXX chase business card, XXXX is ending with XXXX, and I transferred all my points to another card ending with XXXX, and Chase closed my XXXX card, refused to give my bonus points, saying I already received it, but the XXXX points are from transferring.
Product: Credit card or prepaid card

On XX/XX/2020 I was shopping on the XXXX website, and I was offered the XXXX credit card. I was given a prequalification option only. However, after introducing only some of my data as only the last 4 numbers of my social, a hard inquiry was made on my equifax report. I did not authorize this consultation, and this is damaging my credit history. The advertisement said it was just a pre-qualification with no impact on the credit history. I would like to ask that the hard inquiry be excluded.
Product: Credit reporting or other personal consumer reports

I just got my report and I think it's wrong! 
I was told that I have the right to have an investigation carried out. Credit reporting laws ensure that agencies report only 100 % accurate credit information. must be taken every step to ensure that the information reported is completely accurate and correct. Therefore, it is necessary to re-investigate the following information. Please. make sure everything on my credit report is correct and accurate, as these unknown negative accounts are not reported to me by other credit bureaus like XXXX and XXXX and therefore should be removed from my credit report. 

I have also already made a report with the CFPB Agency demanding that they verify these amounts and remove them from my credit history. 

I demand that these accounts be removed immediately or I will request ligation due to the stress it caused me. My information was also affected by the XXXX data breach and may have fallen into the hands of the wrong person, make sure that all the disputed elements below have my legitimate signature, my documents verified and authenticated with my perfect signature. 

below are the accounts you should delete. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Sincerely. 

XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I'd like to report Robinhood Markets Inc. My frustrations with this company have gone to an extreme level and no one at customer service seems to care. I've spent hours trying to resolve my problems with no resolution. My problems started when I was scammed {$1400.00} of bitcoin. Customer service did nothing to resolve this and put a hold on my crypto transfered forever. Since then I haven't been able to access my funds through their app. It's been months and hours of time spent and no resolution to why I can't access my finds through the app. I've tried everything under the sun to be able to access my money but nothing works so I am confident it is a techical error on thier end that they can't figure out. I've eventually made the recent move to transfer all of my funds into XXXX XXXX to now be faced with a letter saying I will have to pay fees that were never disclosed and when speaking to XXXX they are saying that Robinhood says I have a " flat '' account with nothing in it to transfer!!! I have over {$17000.00} in my acount! I have over XXXX stocks, cash and crypto with them and they are saying I have nothing with them to transfer?? Have they stolen my money?? A firm should not be allowed to operate a business this way!!! I uploaded my Robinhood XXXX to XXXX to verify that I do have multiple equites with them and hopefully they can figure it out. They also said that it would only take XXXX business days to make the transfer and now they are saying it will be XXXX? XXXX!!! Robinhood needs to be investigated for fraud, lack of transparency, holding funds without notice, fees not disclosed ... the XXXX customer service. They have disconnected my call multiple times when they seem to not know how to resolve their technical issues... please XXXX help me and all of us who have invested with this XXXX XXXX company. Please investigate them!!
Product: Credit card

I have a USAA credit card. I received an offer from USAA for 0 % interest on new purchases until XXXX/XXXX/XXXX. I accepted the offer on XXXX/XXXX/XXXX. I had no previous balance forward on the card, and I paid the entire XXXX/XXXX/XXXX statement in full. On XXXX/XXXX/XXXX I was charged {$3.00} in interest on new purchases. On XXXX/XXXX/XXXX I was charged {$3.00} in interest on new purchases. Twice I contacted USAA to receive credit for the erroneous interest charges. Both times, the representative agreed that I should not have been charged interest. Both times, I was put on hold off and on for approximately 30 minutes. Neither time was the agent able to issue the credit. The second time I called, I was told that a ticket was opened with the IT department, and that it would be resolved. I still have not received the credit. This is ridiculous. I am no longer charging to this card because obviously they ca n't figure it out. USAA owes me {$6.00}, plus an hour of my life. & lt ; This account was recently converted to a XXXX account, which is the number I am providing. The interest charges were on the previous XXXX