23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 items in my report and found that I need to visit the 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 items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that 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 XXXX XXXX, XXXX, XXXX XXXX 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 XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$540.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On the XXXX, I use a online realtime transfer to send {$2800.00} to my XXXX XXXX XXXX XXXX XXXX, and the money never arrive destination. 

XXXX XXXX XXXX is merged to XXXX XXXX  now, I called XXXX XXXX  many times, they insist Chase bank need to start dispute, there's nothing XXXX XXXX  can do. 

And Chase bank also confirm everything is correct on their side, and not willing to start an investigation or dispute.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  was never late! I have had exceptional payment history with XXXX  XXXX 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 me 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 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. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  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
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently opened a new checking account with XXXX XXXX XXXX XXXX which allows me to view my credit score dashboard. I noticed that my closed capital one account that I paid off is still showing on my credit report with a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was not able to get consumer file online with lexisnexis attached is letter
Product: Checking or savings account

On Monday, XX/XX/2021 I initiated a bank transfer from my checking account at XXXX XXXX  to my account with Paypal. While the Paypal website indicates it takes XXXX to XXXX business days to complete a transfer, I find this unacceptable. 

All banks today are capable of completing a wire transfer within a few minutes and an ACH payment in XXXX hours. After initiating the transfer at approximately XXXX AM on XX/XX/2021, I was alerted at XXXX AM on Tuesday, XX/XX/2021 that the funds had been withdrawn from my XXXX  checking account. 

Later on XX/XX/2021 I contacted Paypal to find out when the funds would be available in my Paypal account. They only stated XXXX - 5 days. The Paypal website indicated funds would be available by XXXX PM on XX/XX/2021. 

On XX/XX/2021 I contacted Paypal again. I explained that I was concerned that the funds had left my XXXX XXXX  checking account at XXXX AM on Tuesday, XX/XX/2021 and that the funds are not available or pending in my Paypal account. I asked if they could tell me where my funds were and they were not able to do so. I then inquired if it was possible to have the transaction reversed, and again they told me I was not able to do that. 

I contacted XXXX XXXX  and asked if they would be able to cancel the transfer. Since the funds had already been withdrawn from my account, they could not cancel the transfer from XXXX XXXX. 

I am concerned that Paypal is holding funds unnecessarily and for prolonged amounts of time in order to profit from these funds being held on the inrta-day money market or by other means using my funds to their benefit and to my detriment. Further, because Paypal is unable or unwilling to offer a reasonable explanation as to why it takes so much longer for them to comlete a transaction compared with other banks and online financial services companies, I feel they should be held liable to show proof as to why the transfer process takes the amount of time they state it does. They have the ability to instantly transfer funds between banks and other payment services, so why does this type of transfer require up to XXXX business days? I can transfer funds around the world many times in 5 days through multiple institutions and currencies.
Product: Student loan

Nelnet has lack of communication with customers. After the government removed the SAVE PLAN, Nelnet refused any communication with customers to update them regarding the account. Nelnet automatically applied a forbearance without asking permissions first and they charged interest while remaining silent regarding the account status. Therefore, I disagree with the interests charged. The amount is invalid and incorrect. They had to write a letter stating SAVE PLAN was removed. 

They must also provide me with information regarding eliminating the interests through a possible deferment options such as economic hardship or unemployment deferment or other options because I am unemployed and I am unable to make payment. 


Another issue is that I was a student of XXXX XXXX for less than XXXX week due to being ill and being sent over to the hospital, while XXXX XXXX  used the time I was at the hospital to apply loan to my account! These loans are absolutely invalid and I asked for resolution and cooperation from the university and FROM NELNET. NELNET IGNORED THE MATTER. This is another reason I disagree with the loan amount. Nelnet falsely reported the incorrect amount as well in attempt to destroy my credit. 

In conclusion, I disagree with how Nelnet handled the loan status without communicating and without clarity in order to increase interests. This makes the whole amount invalid and all the loans must be removed as they are invalid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began disputing with the credit bureaus as of  XXXX   2017 . Since then, I have received notification from the creditors but I never received documents from any of the credit bureaus,  XXXX , Experian, and  XXXX . They have never provided me an update regarding me report thus making it difficult for me to review the activity on m y account. I have done research and am aware I should be receiving correspondences between 35 - 45 days which has not happen. In all of my dispute letters, I have always included my address so I am not sure why they are not replying me. I am also well aware that this is against the FCRA which is why  I felt it necessary to express my concern.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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

This letter is a formal follow-up to my previous correspondence regarding the fraudulent accounts that appeared on my credit report ( see attachment ) due to identity theft. Despite my earlier dispute on XX/XX/year> is a clear violation of the fair credit reporting act ( FCRA ) you have failed to remove the inaccurate information from my credit report. This letter serves as an official reminder that I am a victim of identity theft, and I have NO responsibility for the fraudulent accounts ( referenced attachments ). Despite providing all necessary documentation, including an FTC identity theft Affidavit, your agency has chosen to ignore its legal obligations under the FCRA, which requires you to thoroughly investigate disputed claims and remove any inaccurate information from my credit report. As required under section 611 of the FCRA, you are mandated to immediately remove all inaccurate information related to the fraudulent accounts, send me written confirmation that fraudulent items have been removed and cease reporting these fraudulent items to any third- party entities including creditors and collection agencies.
Product: Bank account or service

I made a deposit on my account on XX/XX/2017 via the mobile APP. During the process, it stated that the funds would be made available on XX/XX/2017. I made a payment on another credit card to pay it off to prevent finance charges from accruing using the funds on XX/XX/2017 thinking it was enough time for the funds to process since the app promised it would be available the day prior. When I checked the bank account today XX/XX/2017, Wells Fargo still had the funds pending but not available and returned the payment to my creditor. This not only caused my Wells Fargo account to be overdrawn, but also caused issues with my credit card since now it has a returned payment on it with a balance. After speaking with Wells Fargo twice, they advised that they received an indication from the bank that the funds may not be available causing them to hold the funds for additional days. I called the other bank who issued the check and they advised me that they do n't have anything on their end that showed any issues with the funds and that the funds are there for Wells Fargo. I called back Wells Fargo again and advised them the situation again with the extra information from the previous bank. Once again, an agent ( XXXX ) and a supervisor ( XXXX ) told me that they received an indication that caused them to put an extended hold on the funds.
Product: Checking or savings account

So i woke up on a XXXX  morning to a charge of {$300.00} from my BofA checking account, i called the customer service and they told me it was due to a collection from my previous account that was closed out in XX/XX/2022 ( almost XXXX years ago ). Now I have single idea of any account closed out in XXXX, no statement was sent to me, no mail, email, text message, calls was provided to me about such transaction or close out and now waking up to a debit of XXXX from them without any prior notice? I have asked them to send me receipts, evidence of the transaction, of the notice they sent to me which they never provided and i am seriously livid. 

Bank of America can not go around deducting cash from customer account whenever they choosing without any notice, arrangement or explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account ( XXXX ) Name ( XXXX ) and Number ( XXXX ) : Account name : Account name : XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

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.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

On XXXX I emailed my mortgage officer that I need to know if we are being denied for a mortgage, and if so I need a denial letter that day because our financing contingency ended on the XXXX of XXXX. After repeated telephone calls to Navy Federal and my mortgage officer I have yet to receive this letter. I am at jeopardy of losing my earnest money deposit on their behalf. I gave ample notice, I have written messages to Navy Federal, I have sent emails, I have called several times.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) (
1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX - Balance : {$390.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$1100.00} - Account # : XXXXXXXX XXXX XXXX  - Balance : {$1600.00} - Account # : XXXXXXXX XXXX XXXX XXXX Balance : {$1300.00} - Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that I have a hard credit inquire from your company on my XXXX, XXXX  and XXXX XXXX credit file dated XX/XX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization.

Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX onXX/XX/XXXX with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX  # XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter.

Please contact me if you have any questions.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX  Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have mailed a dispute to Experian, USPS TrackingXXXX XXXX XXXX XXXX XXXX XXXX Delivered : XXXX XXXX I have attached mailingattachments below along with the actual letter mailed to Experian, along with tracking and signature when delivered.I have been disputing account ( XXXX ) with Experian and Experian responded by sending an email stating, " We received a recent request regarding your credit information that does not appear to have been sent directlyby you or to be authorized by you. As a precautionary measure, we have not taken any action on your allegedrequest. According to the federal Fair Credit Reporting Act, " if the completeness or accuracy of any item ofinformation contained in a consumer 's file at a national consumer credit reporting company is disputed by theconsumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate freeof charge. '' The account ( XXXX ) below are reporting inaccurate according to the XXXX XXXX Compliance Standard. Compliant Reporting Is Not Optional, It Is A Mandated Requisite For Any Party Involved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the FCRA 611 ( 15 U.S.C. 1681l ), I have above practiced justifiably my right to CONTEST the REPORTABILITY of any and all questionable conclusions that I have discovered on my personal credit report ( XXXX ).
Product: Debt collection

The debt collector repeatedly states that they " work '' for the public university, XXXX. They claim they work directly for XXXX University and have to make all decisions with the university, never mentioning " Williams and Fudge '' as their employer or admitting they purchased my debt.
Product: Debt collection

On XX/XX/XXXX, I called Navient Solutions and spoke with XXXX ( Service ID XXXX ). In the phone conversation, I requested information about my loans Navient Solutions holds. Specifically, I requested the Group number, Loan ID number, and balance. XXXX then tried to convince me that the Loan ID and Group numbers were the same. Anyone with a first grade level of education can tell you that this is not true. Comparing the data on my XX/XX/XXXX, statement, Loans 1-06 and 1-07 are in Group 5. As a first grader can tell you, the number 5 is not the same as the numbers 1-06 and 1-07. However, I thought there was 3 loans that Navient had under their control. So the question still remains. What is the group number, loan ID number and balance? 
I attempted to retrieve this information by writing Navient a letter on XX/XX/XXXX. Navient responded on XX/XX/XXXX, refusing to answer the question by mail. 
With no credible way to obtain information about my loans by working with Navient directly, Im left with no other option but to seek assistance from the CFPB. Per a letter to the Honorable Senator XXXX XXXX and I, to make a payment to a specific loan, you must concatenate the Account number, Group Number, and Loan ID. Please send this information to me.
Product: Checking or savings account

I called XXXX of XXXX to close my CD after I just opened it since I got a better offer with XXXX. They said that I can not close since its just within XXXX. I just have to call back after XX/XX/XXXX. I was busy at work that I forgot to call back. Last night XX/XX/XXXX, i tried to close my CD but the rep said a XXXX can help me unfortunately I have to call back since the managers are available mornings. Called this morning, the rep told me I cant close my CD because I have to wait XXXX  days, Talked to a supervisor and was rude, she was working at home but i can hear her daughter screaming, etc basically its unprofessional. After i asked her if shes at home, she was giving me a XXXXXXXX  XXXX  XXXX  XXXX. I asked her if I can get the policy where its stated that CD needs to be opened for XXXX before you can close it but she said that it is not listed its just Discover can change its policy. I am complaining for this because XXXX. It is my money, i just need it XXXX. Discover should inform their consumer about policy and be specific with days. XXXX. Supervisors should be trained and be professional even working at home.