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

On XX/XX/2022, I opened a checking account online using my friend 's referral link, at Albert, a financial technology company, its Banking services is provided by XXXX Bank, Member FDIC. There're 2 issues with the referral program and I think it's because their customer onboarding system can not properly track customer 's account opening activity. Issues are as below : 1. I opened this account due to Albert 's referral program offering a referral bonus of {$150.00} to both parties. The person signing up for an account needs to complete the following requirements : Direct Deposit $ XXXX every 30 days for 90 consecutive days ; Spend $ 100+ on goods or services with the debit card every 30 days for 90 consecutive days. 
From XXXX to XXXX, I set up my employer 's payroll to Albert with $ 200+ and spent at least {$100.00} each month. However when I reached out the the customer support, they stated that I did not signed up using a referral link. However, I can find from my XXXX XXXX browser history that I actually did use a referral link. 

2. In addition, I referred 3 of my friends to join Albert, and only 2 of them were successfully confirmed by Albert that they are eligible for the referral program. Again, Albert 's customer support stated that the third person did not use my referral link. However, I sent my referral link to my friend and he used the link to join.

After several times ' communication with Albert 's customer support, they refused to confirming the eligibilities of the account opening bonus for my friend and myself.
Product: Student loan

To whom it Concerns, I am XXXX years old, I am employed at XXXX XXXX XXXX in XXXX XXXX, Ga. My job title is XXXX. I am a single mother of XXXX year old son, who goes to daycare and has been going to daycare since XXXX months old. The reason of this letter is to stop the harassment and threatening calls from XXXX/Navient and come to a settlement or arrangement to pay them off without the calls and threats of garnishing my checks. Also, for a reasonable cost that I can afford based off of my financial situation. I have spoken with Navient and even went through my finances and bills with them to determine if I qualified for a program that allowed me to make a payment of {$210.00} a month, which was still too much for me but I agreed. I was able to get in the program, I started making payments XXXX XXXX, 2016, after my XXXX payment was processed and cleared, by the XXXX Payment they tried to pull a payment out of my checking account on a date I did n't agree on. They also did not send me a copy of the agreement to begin with, so I would not have a copy. Navient tried pulling funds out of my account twice and each time they attempted my bank " XXXX '' charge me a NSF fee on XXXX XXXX, 2016 of XXXX and XXXX XXXX, 2016 of XXXX because I did n't have the money. What happened was the representative changed the date I make my payment but did not delete the previous date an this happened twice where the representative made that mistake of not stopping a payment when I changed the date for it to come out. So that made two attempts of taking funds out of my account. After speaking with several customer services representatives I finally got to speak with a Supervisor who told me that the employees are human and make mistakes and proceeded to defend them and argue me down about being behind on my payments anyways. I have been struggle to just take care of my bills and be able to provide for my son. I can barely pay the bills I have and ca n't afford to live on my own, so I am living with relatives until I can get financially stable. I have explained this to Navient representatives each and every time I speak with them. I do n't make enough to pay the amount they are asking for and I have explained that to them over and over again as well. I need help to put Navient behind me, the XXXX and making it difficult to raise my child like I should. I have a Co-signer on my XXXX/Navient loan, which is my mother who receives harassing calls day and night. It has seriously put a strain on her, so much that she has been making payment on a credit card that she can not afford and causing her to add another bill to pay. She is struggling to pay Navient because of her health issues and medicine she has to pay for. The XXXX and medical bills to pile up as well. My mother has medical needs and the pressure that Student loan companies like Navient is forcing is causing some of these issues for us both. To have someone threaten to garnish your pay checks is XXXX. Outside of XXXX XXXX Navient we still have other bills and health issues we have to pay. We ca n't pay anybody if we are not living. We need help to resolve this life alternating issue.
Product: Credit reporting

Previously delected items were added onto my credit report without prior written notification. Per FRCA Section 611 all items must be removed XXXX XXXX I XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXs 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: Money transfer, virtual currency, or money service

Between XXXX- ongoing now unknown source its illegal against my wishes
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX XXXX XXXX LATE PAYMENTS Balance details 2 % paid off Balance {$47000.00} Balance updated XX/XX/XXXX Original balance {$47000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Auto Loan Payment summary XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open. {$2400.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$2400.00} Original balance {$47000.00} Monthly payment {$760.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 73 Months CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

The following credit inquiries were placed on a credit report from XXXX on XX/XX/2024, and XX/XX/2024, which was not authorized. 
An XXXX  complaint was filed with the complaint number # XXXX.
Product: Debt collection

This is my third and final time requesting validity of this debt. Please note that I had previously filed complaint no.s XXXX and XXXX. 

Both times requested validity of the debt and have yet to receive the requested info meaning this company is in clear violation of the Fair Debt Collection Practices Act and this erroneous collection account needs to be removed from my credit report ASAP. I never received anything via mail or phone call from This company. I just keep getting a XXXX response that there were 42 months remaining in my contact which is not true at all, especially since I cancelled services less than a year into having XXXX as law enforcement showed up at the wrong address on several occasions when the alarm was triggered. 

What baffles me the most about this company is the fact they they either a ) dont know or b ) dont care that the consumer complaints and company responses are being monitored by fraud investigators and attorneys. VALIDATE THE DEBT OR REMOVE IT This company is in clear violation and needs to be investigated thoroughly
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several disputes to Transunion, XXXX, and XXXX about an account that they are reporting wrong they account was charged off now its reporting as an open account. I also sent proof of my claim and they still refused to correct the errors. Now to the date of this complaint the account has been Re-aged but they say it accurate how if there has been no agreements or payments made on the account? How can they all have different ( dola ) dates Date of Last activity but all be accurate for the same account theres only one account.
Product: Debt collection

On XX/XX/XXXX National Recovery Agency responded to XXXX : " NRA Group , LLC is in receipt of the consumer 's complaint. Due to the nature of the debt, the correspondence will be placed in the mail to the consumer once received from our client. Please be advised the details will arrive in a white plain envelope that may appear as junk mail. '' The attached was received XX/XX/XXXX in part stating : " {$2900.00} + {$3300.00} + {$210.00} patient payments. '' To perpetuate its fraud National Recovery Agency refused to include in its attached XX/XX/XXXX communication respectfully requested ALL billings to XXXX XXXX, all insurance billings, all medical records of all alleged service ( s ), all insurance denials and the name and address of collectors used to date. 

XXXX XXXX XXXX was XX/XX/XXXX authorized to release all medical provider treatment and related information ( all insurance billings, all medical records of all alleged service ( s ), all insurance denials ) and like XXXX National Recovery Agency refuses to honor this requested release,
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, a federally protected consumer and I am submitting this complaint against TransUnion and also for a follow up to my original letter sent to TransUnion dated XX/XX/XXXX, regarding inaccuracies in their credit reporting. Specifically as related to unauthrorized, fraudulent and inaccurate inquiries furnished by TransUnion are, 1. XXXX XXXX, inquiry date XX/XX/XXXX and 2. XXXX XXXX, inquiry date XX/XX/XXXX. Both inquires of which I did not authorize. In response to my original dispute concerning these inaccuracies, TransUnion replied via USPS, stating, " Your written authorization may not be required to constitute permissible purpose ''. ( their response letter is attached labeled, TransUnionIqu. ) Pursuant 15 usc 1681b ( 2 ) states a consumer reporting agency may only report under the following circumstances and none other, " In accordance with the written instructions of the consumer to whom it relates ''. 1st violation. The 2nd violation is Pursuant 15 usc 1681a ( 2 ) ( B ) - any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. In the result of their response, a 2nd Inquiry letter was sent today XX/XX/XXXX to TransUnion. 
My other concern with TransUnion is that I received a letter via USPS ( attached and labeled TransUnionInfo ) stating that my " Proof of address was Unacceptable ''. I called TransUnion to speak with a representative to clarify the issue, and when I inquired about inaccurate addresses being furnished on my consumer report, the TransUnion representative hung up on me. TransUnion requested in their letter that I needed to provide acceptable documents to verify my address to which they mailed me a letter to. Also attached is that requested documentation, labeled Bank statement and also attached is a scan of my state ID. The inaccurate addresses that are being reported are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il. XXXX. All of which are not correct addresses and nothing can be delivered to me at any of those inaccurate addresses. Federal law states that everything has to be 100 % accuracy in reporting to consumer reporting. TransUnion 's actions is causing harm to me & my financial reputation.
Product: Credit reporting, credit repair services, 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 U.S.C 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. 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXXXXXX XXXX Balanced {$750.00} XXXX XXXX XXXXXXXX XXXX Balanced {$6300.00} XXXX XXXX Balanced {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet in XXXX and my driver license and social security card was in there. I continue to have to dispute items on my credit report. I also was a victim of the XXXX  Breach in XXXX. I have notice several inquires on my Transunion credit report that I have not authorize. I do not have any of these credit accounts XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX had a XXXX XXXX  since XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX had my mortgage since XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX  According to FCRA Section 605B ( a ) , the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

I have received multiple unsolicited offers in the mail from American Express. I have called in excess of 10 times to get this issue resolved and to have my contact information removed from their system. Each time I have been told that it was taken care of, but I continue to receive between 5-10 mailer offers EVERY month.

I am registered as Do Not Contact/ 5 year opt out on ALL offers, but they still send me mailers. I am routinely hung up on by representatives from American Express and am fed up with being harrassed by this creditor.
Product: Credit reporting or other personal consumer reports

I got a copy of my credit report and I noticed that this consumer reporting agency is reporting transactions on my consumer report. It is a violation of the Privacy Act of XX/XX/1974, the Fair Credit Reporting Act and Family Education Rights and Privacy Act. I have reached out to the credit reporting agency and XXXX they have not responded. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) transactions are to be excluded from my consumer report. In accordance with Federal Law I want this matter rectified. Thank you
Product: Prepaid card

I recently received a Visa gift card for {$100.00}. The expiration date isn't until XX/XX/31. When I tried to go online to XXXX to register it and entered the XXXX digit code on the front of the code, as well as the XXXX digit code on the back, the website said there was an error. When I called the number on the card, an automated voice told me a card could not be found with the information I provided. I attempted this several times. This is the second {$100.00} card I have had this problem with recently. It is a Visa Gift Card issued by U.S. Bank National Association.
Product: Debt collection

I am writing to dispute the accuracy of certain accounts currently listed on my credit report. After a thorough review, it has become apparent that there is insufficient information to verify the debts associated with the following accounts : XXXX XXXX XXXX XXXXXXXX XXXX. I dispute the completeness and accuracy of the information provided for these accounts. The lack of sufficient details to validate these debts necessitates their removal from my credit report. I request that you conduct a thorough investigation into these matters and, if unable to provide verifiable proof of these debts, remove them from my credit file immediately. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 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 Opened XX/XX/XXXX Balance {$420.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1700.00} ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX Balance {$420.00} Opened XX/XX/XXXX Balance {$420.00} ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXXXXXX  Inquiry : XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to fix the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : US SM BUS ADMIN ODA XX/XX/2020 XXXX XXXXXX/XX/2020 XXXX XX/XX/2020
Product: Credit card or prepaid card

i did not open to use below credit card but show up on the credit report. 

capital one A # : XXXX open : XX/2015 {$500.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX a scheduled withdraw by XXXX XXXX  was scheduled to pay my monthly gym fee {$19.00}. I forgot that the yearly fee was due. I had {$45.00} dollars in the account. The total fee {$58.00}. Of course it bounced. The bank took {$30.00} in overdraft fee. Now there is {$15.00}. The bank sent a notice by mail, did not get it till Sat XX/XX/XXXX. By then XXXX tries again to withdraw the funds. Bank fee # 2. Monday XX/XX/23 I called my Gym and XXXX. XXXX had set another withdraw for XX/XX/XXXX. By the time I called it was done. Bank fee # 3. I had automatic withdraws stopped. I called tues It did not look liked my email had gone thru. I complained that I had not even been notified by XXXX. I confirmed stopped withdraws. NOT 2 minutes after I had hung up the phone. I get a Notice by email of insufficiant funds from XXXX. I called Wed. I spoke with XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX, AR XXXX. I requested they pay the 2 extra insufficant fees from the bank. I take responsibility for not having the proper amount in my account. I forgot. Why did XXXX not notify the gym or myself. They would have just gone on trying to take money without notifying anyone. 
They tell me notifications are a courtesy. I say it poor business practice if that is your policy. They denied my request.
Product: Mortgage

I have been having a problem with Rushmore Loan Management Services. I have been requesting that the PMI be removed since 2019 with no success. The latest letter even included the comparable to show that the property is now below 80 % value. I need your assistance on this matter.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress seek appropriate redress for these violations.
Product: Vehicle loan or lease

I am ask to pay a loan that has already bee paid in full the Fair Debt Collections Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, GM FINANCIAL, is in violation of XXXX XXXX XXXX ( XXXX ) not state that such consumer owes any debt GM FINANCIAL, is in violation of XXXX XXXX XXXX ( XXXX ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 

GM FINANCIAL, is in violation of XXXX XXXX XXXX ( XXXX ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;