23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Formal Complaint Regarding Unauthorized Auto Withdrawal by Aidvantage I am writing to formally lodge a complaint regarding an unauthorized auto withdrawal from my bank account for my student loan payment. This incident occurred in the context of the recent restart of student loan payments mandated by the government. 

After the government restarted student loan payments in XXXX, I noticed that Aidvantage had automatically withdrawn a payment from my bank account on XX/XX/year> without my prior authorization. Given the changes and uncertainties surrounding the resumption of student loan payments, I had not opted into auto payments nor had I provided any recent authorization for such a transaction. 

This unauthorized withdrawal has caused significant inconvenience and disruption to my financial planning. As a result, I have incurred unexpected overdraft fees and have had to rearrange my budget to accommodate this unforeseen expense. 

I request an immediate investigation into this matter and a prompt resolution. And did not receive a reply I trust that Aidvantage will be reprimanded of this matter with the urgency and seriousness it warrants. Please confirm receipt of this complaint and provide a timeline for resolution. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

This is a follow-up on my complaint id XXXX filed two days ago. I received a notice today from AmEx dated XX/XX/XXXX containing the documentation from the merchant which was omitted from a letter dated XX/XX/XXXX referred to in my earlier complaint. That documentation states that the article was delivered by XXXX and gives a tracking number, XXXX. When you enter that number it states that a package weighing one pound was delivered. What was ordered were two child 's bicycles so it is clearly fraudulent. Actually no such shipments occurred. 
If one searches " XXXX XXXX  '' on XXXX a XXXX video " XXXX -Scam or legit '' shows the merchant 's website along with the items sold there including the child bike for {$99.00}. There are numerous other results in that search also stating that XXXX  is a scam. 
In addition when I try to trace the transaction on XXXX using the transaction id supplied by XXXX, it displays " Woops, there is no such transaction ''.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple over draft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged postings of charges and credits. This issue aligns with the CFPB findings against Navy Federal for similar practices, where transactions settled with Insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions
Product: Checking or savings account

Chime mypay offers money to borrow until pay day with " no interest ''. Every week they take the money I had to pull from the mypay feature and NOT ONCE has it ever been returned in full. They randomly offer my own money back in random increments. They have never one time given me the money I paid back in full forcing me to borrow again piece by piece until I get paid again. They then retake it again and the amount is random I can have of literally my own money. The total is never equal to what I pay so therefore one dr actually pay me my money. So every week I lose more and more. They also charge me to pull the money out of I choose to have it instantly and of course I have to because they stole my paycheck AGAIN! It's a dirty scheme to get you in the hole and keep you there. They are robbing people.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was broken into a few years ago and my wallet, purse, and a few pair of shoes I had bought my son were stolen while i was in the gas station paying for gas and some snacks. I have noticed numerous accounts since then, especially medical accounts that have been opened in my name that I never authorized, or opened. 

With XXXX  I see the below accounts that are a result of fraud or identity theft XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : 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 ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX HOSPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX HOSPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX HOSPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HOSPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX HOSPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX HOSPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX HOSPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX HOSPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX  XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX   XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been trying to get Equifax to correct my personal consumer report but they refuses and continues to furnish inaccurate and unverified information on my consumer report and file. I am in the process of taking control and securing my personal and private information. This massive data breach has exposed my information and I am very concerned with inaccuracies on my report. Please address this matter. Attached is a notices for demand Equifax to remove all items within attached notice.
Product: Credit card

I am an victim of ID theft my information was stolen and I have multiple problem because of this, I am dispute an account with capitol one card I se I send the a letter stated them to validate the debit and the only thing they send me back was statement, I spoke with a lady in the fraud department on XX/XX/2016 by the name XXXX stated that the account is my bea because of my phone number, I ask her to send me a copy of the credit, I do applicant and she could n't, and no response, I send over police report to capital one and a letter asking validate the debit and no help
Product: Credit reporting, credit repair services, or other personal consumer reports

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 



Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX   Date:XX/XX/2018 Company : XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/201 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX-XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company:XXXX XXXX XXXX  Date:XX/XX/2018 Company : XXXX XXXX XXXX XXXXXXXX   Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX   Date:XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX   Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX Date : XX/XX/2018 Company : XXXX XXXX   Date:XX/XX/2018 Company : XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX   Date:XX/XX/2018 Company : XXXX Date : XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX   Date:XX/XX/2018 Company : XXXX XXXX XXXX Date :XX/XX/2018 Company : XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX   Date:XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2017 / {$640.00} ), CAPITAL ONE BANK added a derogatory mark on my credit report per XXXX XXXX / XXXX /XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mined. 
According to the FCRA, CAPITAL ONE BANK has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately. 

In addition, the CARES ACT is LAW. ( SEC 4021 ) Any Creditor or Credit Bureau that does not fix any deferred missed payments reported to the credit bureaus are simply choosing to disobey the law and further action on your behalf can result in more issues than a company and/or credit bureau wants to deal with.
Product: Credit reporting or other personal consumer reports

Please consider this my Notice of pre-Arbitration After disputing the inaccuracies in my account, I requested the full account statement via phone call. XXXX XXXX, the Director of Operations, emailed me the requested documents. Upon thorough review, it's evident that this account has been inaccurately reported to both my Experian and XXXX accounts, while being completely omitted from my XXXX report. The pay ledger from XXXX XXXX indicates the last payment date as XX/XX/XXXX, and the account was charged off on XX/XX/XXXX. As per FRCA Furnishing laws, accurate and complete reporting is mandatory. Despite multiple investigations, the inaccuracies remain uncorrected. 

Moreover, the payment summary incorrectly indicates a collection status when the account should be in a charge-off status. Additionally, the account has been reported as in collection status for over six months, which is a direct violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

US Bank made two inquires on my credit without my authorization on XX/XX/2022 that are showing on my XXXX credit report. I called US Bank and they gave me the runaround and would not provide me with a deletion letter for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested a copy of my credit report & seen unauthorized hard inquiries. This is a violation of the FCRA under section 604 permissible purpose. 

XX/XX/XXXX - XXXX XXXX, XX/XX/2021XX/XX/XXXX - BK OF AMER, XXXX, XXXX, 2021 - XXXX, XXXX, XXXX, 2021
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX, has violated my rights XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXXXXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you TransUnion, XXXX, XXXX credit reporting agency , to block information appearing on my consumer credit report that is tho result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a porsonal credit card accounts opened at XXXX XXXX  for {$550.00} & XXXX for {$2300.00}. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( private case number ) as proof from the US Federal Trado Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 my 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 in 60 days 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 XXXXXXXX XXXX XXXX XXXXXXXX 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 8
Product: Student loan

Federal Loan Forbearance XXXX XXXX. Qualifying federal loan borrowers who were residents of Maryland and other states. XXXX has already been fined and investigated. On the website it was suggested that I file a complaint to resolve the issue and hopefully get a refund of some of the interest charged and the forbearance fees that were overcharged.
Product: Debt collection

They actually put this on my credit account and didn't notify me with any paperwork or anything and then refused to provide any documents for retaining my information i never received any notification from this company and the company ( the original creditors are still calling asking for money after selling my information to a collection agency
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of an inaccurate XXXX XXXX XXXX record from my credit report under the Fair Credit Reporting Act ( FCRA ). The details of the record in question are as follows : Reference Number : XXXX Date Filed/Reported : XX/XX/year> This XXXX entry has caused significant financial and emotional hardship, severely impacting my ability to provide for myself and my family. I believe the record has either been inaccurately reported or has remained on my credit report longer than permitted under the FCRA.
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 XXXX XXXXXXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX # XXXX, those 2 accounts Were sent to collections which means it is illegal to have reported this information on my credit report pursuant ( 15usc 1681c 4 ) Which says that accounts placed for collections is excluded from credit reports. Each one of those accounts were sent to collections.
Product: Debt collection

This company contacts everyone on my referral list if I am late paying and tells people on this list that they are looking for my car. They have been rude and harassing calling multiple times and using threatening language like " contact us or else. '' When I called and asked to speak to management once, the person told me that I did n't have the right to speak to a manager because I have n't made my payment. When I asked them to stop calling my XXXX mother in law with XXXX who lives in NY, they told me that they will continue to call her because it makes me call them. It 's a tactic that they use. I have recordings of their threatening tactics and frequent harassment. Even after I paid {$100.00} and signed a contract extension for the month of XXXX., they still called my mother in law everyone else on my referral list asking for the location of my vehicle.
Product: Mortgage

I have a mortgage in good standing with Wells Fargo. The problem is that I did not choose Wells Fargo as my servicer, and I am morally opposed to giving them business based on their immoral business practices, which have only recently become widely reported on. Ideally I want my loan to be serviced by a local credit union or bank, keeping my money in my local community rather than giving it to a multinational corporation. I called around but the only option appears to be a refinance, which I am not looking for. Do consumers really not have any say at all about where their mortgage money goes to? It seems terrible that I would be forced to help boost the financial profile of a corporation that I have strong moral objections to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked XXXX, Equifax and XXXX to please not share my credit report for any reason without my signed authorization. I have not applied for credit lines, telephone services or promotional credit offers. While reviewing my credit reports with all XXXX  credit bureaus i learned these companies obtained a copy of my consumer reports without my authorization which has added over XXXX credit inquires on my report that i did not authorize or express permission to share my report.
Product: Debt collection

XXXX  hired Sourc e Receivables Management to c ollect money from an account that was past due and they tried to threaten me with harming my credit and suing me if i did not pay even though i never ever had an account with  XXXX  and was not the person that owed the money I called  XXXX  twice to have them fix this problem and on the second call i was notified that the dept collector was notified on  XXXX   XXXX  to stop calling me and to cease and desist any dept collection from me today is the  XXXX  of  XXXX
Product: Checking or savings account

On XX/XX/year> I opened an account with the local Chase Bank in XXXXXXXX XXXX with a check in the amount of {$3900.00}. A day after my account was opened I received my debit card in the mail at my home and made an online payment to XXXX XXXX  in the amount of {$300.00} ( which cleared ) and linked it to my XXXX account. 

The following day I was informed the account was closed and went into the branch. I was informed then that the remaining balance ( of {$3600.00} ... this also included a {$5.00} deduction for rushed debit card delivery ) from the check that I opened the account with would be mailed within three weeks to my home address. No reason for the account being closed was provided. 

A letter was received noting the XXXX card payment, but after three weeks no check arrived. I called customer support and was informed that if it had not arrived in four days to call back. After a week I called again and was informed it would be two more days. 

On Wednesday XXXX I called again and was told I needed to go to the branch and file a Declaration of Loss. On Monday XXXX I went to the local branch and met with the banker who opened my account, who had to call internal escalations to understand what the problem was. 

At that time, the escalations department claimed they could not verify the issuer of the check was legitimate, and that there was a " number that was off ''. They also stated that since they had an antiquated system they could not verify the issuer and that the money would eventually go to the state. 

The bank of issue for this check was also Chase, and the issuer is a large title company. This is a completely different story than I've been told for the last six weeks and I was offered no path forward. 

Upon contacting the title company that wrote the check, we confirmed that the funds had cleared their account. This is having a devastating effect on my life as this money is a paycheck from my work as a real estate agent and is necessary for me to live and pay my bills. 

Thank you