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

I did the pre qualification XXXX on credit acceptance website and it stated that it would be a soft pull which Im 100 % aware of it and how that works. I called today XXXX XXXX XXXX after I received a notification that I had a new hard inquiry from credit acceptance, the last I spoke with stated that they didnt have an account for me so she wasnt able to help me and that I shouldnt have received a hard pull it should only have been a soft pull.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are cruel and unfair and I request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Investigation was completely ignored, accounts DONT belong on my report. Unresolved 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 ) Also states, A consumer reporting agency CAN NOT FURNISH a Account without my WRITTEN CONSENT/INSTRUCTIONS. 

ALL ACCOUNT NUMBERS LISTED BELOW Has violated my rights for furnishing IDENTITY THEFT to UNAFFILIATED 3rd party consumer agency Account # - 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX XXXXXX/XX/XXXX at XXXX my account has XXXX unauthorized ATM withdrawals one in the amount of XXXX another in the amount of XXXX from my XXXX account I was being held at XXXX XXXXXXXX XXXX on these dates, Also my Credit builder account has XXXX unauthorized charges from ATM withdrawal and XXXX XXXX XXXX XXXX the withdrawal from the credit builder account was on XX/XX/XXXX in the amount of XXXX and the charge on XX/XX/XXXX from the gas station was XXXX I have sent proof of me being XXXX XXXX on all the dates previously mentioned. I have filed multiple disputes multiple rebuttals. All have been denied, I have requested multiple times for the documents showing the process of what was investigated for me to be denied I was only sent the information twice and all that was included from Chime was the documents I sent over to chime to prove I wasnt able to access the funds listed. I have been submitting disputes and rebuttals since XX/XX/year> it is currently XX/XX/year>. All have been denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$21000.00} DEPTEDXXXX XXXX {$7000.00} XXXX XXXX   XXXX {$760.00} XXXX  XXXX XXXX {$160.00} XXXX XXXX {$370.00} XXXX XXXX  XXXX {$3100.00} DEPTEDXXXX   XXXX {$5500.00} DEPTEDXXXX   XXXX {$10000.00} DEPTEDXXXX   XXXX {$6200.00} DEPTEDXXXX   XXXX {$10000.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted an FTC report to Experian with all the required information, including 605b, ID, and a statement stating they should block and remove the accounts listed. On XX/XX/XXXX and XXXX, I received a ridiculous statement from Experian stating I needed to report the following information in the FC report and to file a police report which the police do not handle because it is credit.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. XXXX XXXX Partial Acct # XXXX...
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. ACCT Name : US DEPT ED XXXX and US DEPT ED 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 accounts 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 these items of information Any other adverse items 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, credit repair services, or other personal consumer reports

How are you doing? Why is it taken more than 60-90 days to respond to my student loan investigation? Listen, I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts? I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
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 USC 1681. 

Account XXXX XXXX # XXXX, Account XXXX  XXXX XXXX # XXXX, Account XXXX XXXX # XXXX, Account XXXX # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

I originally got the loan in XXXX for a trip out of the country. I didn't realize the damage i was going to endure through out the loan. I kept receiving emails to refinance at a lower interest rate which was XXXX XXXX at first and dwindled down to around XXXX XXXX after refinancing. I am basically now stuck in this loan and have been paying for years. 

I recently was laid off and now they will not stop payment until I find a job. they will continue to take money out of my bank that doesn't have the money to pay the loan payment. I don't want to close my bank account I have had for XXXX  years. They will not help me and I am out of options on what to do with this high interest loan. I have paid more then I have owed probably XXXX or XXXX  times over. {$140.00} XXXX  a month. I am still on time but I know what will eventually happen.
Product: Checking or savings account

All of this started in XX/XX/2022. I had a lot of fraudulent transactions on my statement, I filed a dispute claim with the dispute team at Chime online banking, I received a provisional credit which was reversed without reason. I have been going through this until now XXXX. I repeatedly asked them for a printout showing the transactions since then, but they closed my account completely in XX/XX/XXXX, then they sent me a printout on the XXXX. I was shocked, it showed all my money was gone and all the fraudulent transactions are on the printout. I tried calling company, l but since they disabled my online banking and my cards were not working since XXXX how could i transact any business. I got several conflicting emails from them wanting me to send them a selfie with my drivers license, todays date and phone number on a sheet of paper held under my chin. I did this a number of times, but they kept making me jump through hoops with different reps, never the same one. The crazy thing is I had people calling me saying that they were affiliated with chime, but when I asked the Chime representatives about it, they said they don't call customers. I sent them communication that i received from them, and them screen shots and forwarded them emails. I have been lied to so many times, and then i got the silent treatment for a few days and then they had the nerve to say after careful consideration the had to end our relationship. I am out of {$16000.00}, my printout show XXXX  deductions, XXXX XXXX in XXXX XXXX, XXXX XXXX XXXXXXXX etc. I really need a breakthrough in this madness, I am a XXXXXXXX XXXX  veteran, age XXXX yrs. I've filed a police report, ftc report, talked to my social worker, fbi report, nobody seems to be moving at all on my behalf. I even reached out to the local news media, but no response yet. I had to resort to borrowing money from family members to keep from being XXXX. Help me please!!
Product: Checking or savings account

I deposited two checks into my Wells Fargo checking account on XX/XX/2019. It is now 7 days later and the funds are not yet available in my account. One of the checks was certified and drawn from XXXX. I contacted the branch manager at Wells Fargo and spoke with XXXX XXXX XXXX. She told me the funds are available at Wells Fargo however, that she will not be releasing the funds into my account. I then spoke with XXXX XXXX, the district manager. XXXX said he has no idea where the funds are at this time and also, that the funds may be rescinded by the issuer of the checks, despite the fact that one of the checks was certified. I am deeply concerned as I am now confused and terrified by what these managers at Wells Fargo are telling me and would like to know where the funds are, at this time, and when I may expect to receive these funds in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently came across an incorrect debt collection report on my credit report. I have notified both alleged collection agencies about this. When I asked for proof of said claim, they did not respond. One company closed the account and stopped reporting but it still appearing on my credit report. I further did investigation on both so called agencies which are scams and have been reported numerous of times to the XXXX ( XXXX XXXX XXXX ) for claims they have had against other individuals as myself. I have also Contacted all 3 credit bureaus on this as well with nothing but a verified status but with no actual proof that this claim belongs to me which it doesn't.
Product: Money transfer, virtual currency, or money service

Dear Customer Support Team, I am writing to submit a formal complaint regarding the permanent limitation placed on my PayPal account. I strongly believe that this limitation was placed by mistake and that I have not violated any PayPal policy. 

As a PayPal user for several years, I have always conducted my transactions with utmost honesty and integrity. Therefore, it came as a shock to me when my account was permanently limited without any warning or explanation. 

I would like to request PayPal to re-investigate my case and restore my account if possible. I understand that there may have been some misunderstanding or miscommunication, and I am willing to cooperate fully with PayPal to resolve any issues or concerns. 

I am confident that upon reviewing my account, PayPal will find no evidence of any violation of their policies or terms of service. I believe that my account was flagged in error, and I am eager to have my account reinstated as soon as possible. 

For your reference, the email address on my PayPal account is XXXX. I kindly request that you keep me updated on the progress of my case and provide me with any additional information or documentation that may be required. 

Thank you for your attention to this matter. I appreciate your time and consideration and look forward to a favorable resolution of this issue. 

Sincerely, XXXX XXXX
Product: Student loan

When, the cosigner and I made payments the balance never went down. We tried to get a reduction in the payments or the interest rate and they declined. We did a financial statement over the phone in that was also declined. They double the payment if we would went thru the program which was 6 months. When you asked fir a forbearance they want to charge you {$50.00} dollars. But, you would not get the paperwork. I asked for a XXXX paper work they claim they sent it but never received the documents. We also asked for a payment arrangement. Which they gave us three options. Reduce interest which was about {$45.00} dollars, the second option was for bring the account current with the past due amount. Which, I told them everybody is on SSA or on FMLA. They didn't want to help us. Our last conversation with Navient was for a settlement which was 95 percent of the balance. Which, they never gave to much details on payment arrangements or how long the terms was. The amount was XXXX which couldn't help us. I notice the loan have been charge off in XX/XX/2019. Also, I notice on a letter that you sent by CFPB in XX/XX/2019 you stated on a envelope with our last name no forward address, unable to delivered. The postal office add this information. We received all of our mail by the XXXX which was provided to our customer service rep multiple times and there was a forwarding address on it. This label look made up.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section XXXX ( a ) ( XXXX ). Please be advised that under Section XXXX ( a ) ( XXXX ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section XXXX and XXXX XXXX provide me with a remedy which XXXX about to seek. You are willful non-complying with the FCRA. 

Since you claim XXXX verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have contacted XXXX  ( creator of bill ) sent to XXXX XXXX XXXX  ( billing for XXXX  ) sent to Hillcrest Davidson ( collationer for XXXX  ). I have been told that the {$1500.00} bill they are trying to collect was for installation. We had XXXX in XXXX, Va.-sold and moved to -- .XXXX  , VA. temporally while home built -- -moved to new home. We had XXXX  in every location. We contacted XXXX as too what we might owe and they said nothing. XXXX sent billing history Which showed nothing. Several DAYS after moving in, we received a letter from a collection agency ( Hillcrest Davidson ) that we owe {$1500.00} they sent us to XXXX XXXX XXXX  ( which referred me to XXXX ) We already had a billing statement from them. I have been bounced around without satification. My wife paid a reduced amount of {$1000.00} to protect our credit. We were never notified that we owe a bill nor did we know how much and what for. We have a bill that we owed this, should they have notified me that it was owed and how much without any prior notification of debt? PLEASE HELP. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - first part missing -- - I had XXXX  in my home in XXXX, VAA -- sold moved to XXXX, Va. ( a rental ) -- - moved into new home in XXXX, Va. We called to see if we owed them anything, they sent payment history showing nothing owed. Days after moving we received a bill from a collection agency ( Hillcrest Davidson ) stating we owe {$1500.00}. My wife called and said we owe no such bill. She was scared of damaging our credit that she negotiated a lower price XXXX {$1000.00} which we did not owe. We started with XXXX who sent us to Safe streets Bank ( XXXX biller ) sent to XXXX XXXX XXXX  to Hillcrest Davidson sent to Safe streets bank sent to XXXX.
Product: Checking or savings account

I opened an account with SunTrust on XX/XX/2019. I made an opening deposit of {$50.00} shortly after opening the account. I deposit my employer paycheck of {$1100.00} on XX/XX/XXXX. 

The next day ( XX/XX/XXXX ), I was notified that a hold was placed on the paycheck for 10 days, and funds would be available on XX/XX/2019 by XXXX ET. The reason for the hold was " confidential information that the check may not be paid. '' The next week, I received my debit card and new account information by mail. 

When XX/XX/XXXX came, I called SunTrust Customer Service, and a CSR told me that my account was under review and couldn't give me further information over the phone. I went to the XXXX XXXX, MD branch and spoke with a banker the same day. She informed me that my account was actually going to be closed, " per the rules and regulations. '' When I said that I did not receive any notification of this, she said " well, we don't have to notify you. '' I took my complaints to social media, and a representative from SunTrust Bank 's social media team contacted me. He said that my account was " under review and will be closed ''. He also said that closure " takes 5-7 business days with no activity, then another 5-7 business days for the account to be closed, then another 7-10 business days for the funds to be returned to you via US Mail. '' It may be until XXXX before I get my money back, nearly {$1200.00} that I deposited in good faith.
Product: Debt collection

1. A copy of the original contract or original purchase agreement that created the alleged debt with your company. 
2. In addition, please send proof of chain of ownership of the alleged debt and include proof of assignment for each chain of ownership. 
3. Also include a full accounting history from the original creditor including the date and amount of each payment and the Date of First Delinquency leading to the collection status 4. If any interest or fees have accrued or been added on the balance, please send proof that such fees are lawful agreed upon in the original purchase agreement. 
5. Proof that you are legally allowed to collect on alleged debts in the state of South Carolina including your Third-Part Debt Collection Bond. 
6. Also send proof that you sent the legally required notices to me before reporting this alleged debt to any consumer reporting agencies, including copies of the original notice and any letter tracking your firm maintains.
Product: Credit reporting, credit repair services, or other personal consumer reports

hard inquiries that i dont recognise and need this off my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Had an account with XXXX XXXX account XXXX XXXX XXXX XXXX amount XXXX..Account was never closed by XXXX XXXX. I made full payment to XXXX XXXX for this account. Now it is on my credit report. I called this company Helvey associates XXXX XXXX and i tried to explain that I paid it already and who are they. They said it was with them. I said XXXX XXXX just closed the account after i paid them. ( please see attachment ). I ask them to delete it because it is unfair practice plus as an XXXX XXXX servicemember this is illegal. The lady that account has been with them since XXXX XXXX said they have to wait to get notice from XXXX XXXX that it was paid before they can delete off credit report. I actually made an payment on the account in XXXX to XXXX XXXX provided a copy in attachment. Helvey associated did not contact me at all.
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 USC 1681 XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX US Department of ED # 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 states a consumer reporting agencu 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 7 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, credit repair services, or other personal consumer reports

Hi, this is XXXX XXXX, XXXX # XXXX. I sent you a letter on XX/XX/2021 and I was told that I was supposed to get an answer from you but to this date, over 30 days have passed, but I still havent heard back from you. Someone told me to go to this website to follow up attaching the copy of the very same letter I sent you. I heard that it is a violation to ignore a dispute letter so I hope you wont delay this matter any further. I need this inaccurate and misleading information cleared off. I am fully aware of what I have on my report and what I should not have and the information I listed on my report are all mistakes, My information was also affected by the XXXX data breach so please investigate this matter immediately!