23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was unemployed from XX/XX/2022 until XX/XX/2022. During that time, I was receiving unemployment payments at a significant reduction in income. When I notified Navient through phone conversation that I was no longer employed and that my income was reduced as a result, I was told I had to continue paying the same amount as I was when I was employed full time. I attempted to do that just that as demanded. When my savings ran out in XX/XX/2022, I informed Navient that I would be unable to continue paying but that I had accepted a job offer and would receive my first paycheck in XXXX and be able to re-continue payments at that point. I was told that I would receive no more calls and that I could make up the missed payments at a later date. 
However, not only myself, but my co-signers constantly received harassing phone calls, despite calling multiple times to explain.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bureau 's informed me of a mortgage that I'm unaware of. They refuse to remove that, the addresses, phone numbers and other inaccuracies on my file. 
XXXX  is the only bureau that granted me a freeze and fraud alert. 
Equifax and XXXX refuse to grant me a copy of my credit report. 
XXXX  and Equifax refuse to comply with granting a freeze of any sort. Its clearly fraud happening and I am trying to take control of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've had the hardest time with trying to get my issue resolved with XXXX XXXX XXXX. I recently pull my credit report and determined I have a hard inquiry on my credit report from XXXX XXXX XXXX on XX/XX/XXXX. During the enrollment process for the XXXX service, there was a disclosure read to me of credit check would be done for the review of my application. I was confused as the disclosure did not provide specific information if the credit review would be for a hard inquiry or a soft inquiry. I asked the specialist if she could confirm this for me. On the same conversation she advised this was not a hard inquiry and would be a soft pull done, so it will not reflect on my credit report. With this understanding, I agreed and continued with the application process. I called XXXX XXXX XXXX in which the specialist advised she would submit a request for a credit analyst to reviewed my profile for the hard inquiry and call me within 48 business hours as they were closed during the weekend. I did not received call back within the timeframe i was given so today XX/XX/XXXX, i called and checked on the request. I was advised there was not a request submitted for this review when I previously called. After 50 mins of being transferred around, being hung up on once, I finally got over to a credit analyst, who advised me they do n't have a produce to remove this credit inquiry as they would refer their customer to dispute it with the credit bureaus. As I made the specialist aware I 've already looking into that option, in which my request was denied. I advised her the only option I had was to dispute the inquiry as fraud. I advised I would not dispute this as fraud. As the definition of fraud is not having no participation in the activity, in which does n't apply in my case because i have this active account with XXXX XXXX XXXX. The same employee as well advised that she does n't understand why this particular employee would 've assured what type of credit inquiry would be established, as she is in the same position as her. She advised they are not even sure what type of inquiries are done. She advised " Out of best practice '' for the customers she assist with the enrollment of service, she advises them she is unable to confirm what type of inquiry it would be done as the credit team would determine this during the review of the application. I feel like i was mislead by XXXX XXXX XXXX/employee. I am not certain if this was done intentionally by the employee to gain personal commission, or if its something that if not clear to XXXX XXXX XXXX employees to provide unfair parties to their customers in general.
Product: Debt collection

According to the Fair Credit Reporting Act 15 USC1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, Non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

ChexSystems is sharing, holding, furnishing, and/or disseminating my consumer information without express written consent to any XXXX  party, including but not limited to : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any other entity XXXX institution, or individual Under 15 U.S.C. 1681b ( Permissible Purpose ) and 15 U.S.C. 1681 Section XXXX ( a ) ( XXXX ), no entity may access, share, or furnish my consumer data without my express written consent. I have never granted such consent, and ChexSystems actions constitute a willful violation of my rights under federal law. 

Furthermore, ChexSystems continued sharing, holding, or reporting of my personal financial information without authorization is a direct violation of my right to privacy under 15 U.S.C. 1681 Section XXXX. You are hereby prohibited from continuing these unlawful practices.
Product: Checking or savings account

I've got my account with Bank Of America. I was selling my car and got a check of $ XXXX which i deposited to my account, ask the bank teller how long it will take to clear the check, she said next day. 
Next day entire $ XXXX money was in my account. I went to the site and looked at the transaction and all looks normal as my account was credited by $ XXXX. 
The person who sent the check mentioned that funds have been moved out of his account. 
At this point I am certain that transaction has gone through. I paid $ XXXX to a moving service on behalf of the buyer. 
2 days later the entire $ XXXX was gone and check bounced. I was frauded for $ XXXX. 
Why BOA didn't mention in the transaction that Check hasn't cleared and these are courtesy funds??? How do I know that they made it available based on my records but didn't inform me. 
Complete lack of transparency from their side and now they're not taking responsibility whatsoever and blaming me as a consumer to be aware of this. 
How I suppose to know and I transferred money using XXXX, BOA app and they aren't taking responsibility of that either. 
Need government help here. It's so easy technology wise to inform consumers that funds aren't cleared fully and you've courtesy fund provided by BOA. Simple write on the banking transaction to make consumer aware so they don't think that check has been cleared. Right? 
I need my hard earned $ XXXX back. And I want government to add these minor adjustments to banking regulations to protect consumers. 
Thanks! 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the following creditors who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 
Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. I request you to show me PROOF how the following hard inquiries are factual records! Show me a signed credit application, giving them permission to access my credit file or DELETE the following hard inquiries. 
My lawyer will be waiting for your results from your bureau.
Product: Credit reporting

My credit report states that I owe {$400.00} to XXXX. I have n't had an account with XXXX in over 7 years, nor did I owe them money when the service was transfered to the new tenant in the building the service was being provided to.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into hands of the wrong person.
Product: Credit card or prepaid card

American Express does not treat their loyal customers fair. I have been a credit card holder with them since 2019. My bank return payment because no money was in my account. That's my fault. However, instead of just submitting the payment once, AMEX attempts to reissue payment requests two more times. Then they charge me {$29.00} Return Fee. First of all, they should not charge a return fee because it costs them nothing! And, they should stop after the first attempt fails. My other credit card charges no fees for this. I have been a credit card holder of XXXX XXXX less than 6 months and they treat me better than AMEX. They use to be understanding, but not anymore. My opinion, they are all about money and not customer centric! I have grown to hate AMEX. Because they treat their customers horribly! 
I request that they reverse the 3 return fee payments. And, they need to work on being more fair and helpful to their customers! They won't even let you go {$1.00} over your credit limit! 
Thanks. 
Best regards, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect information on my credit report. 

I sent a letter out on XX/XX/XXXX to XXXX, Trans Union, and XXXX. However, it has been 30 days and the credit bureaus failed to accurately update the information on my credit report. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Student loan

Our daughter was not given the option of a Federal loan which she should have qualified.instead was forced to take a private with us co-sigin the loan. XXXX, also made our daughter retake classes. This university and loan Dept should be looked into. She is now in Debt way over her head, and so are we as co-signers. Please look into our complaint. 
XXXX XXXX
Product: Student loan

I received an email from the XXXX XXXX XXXX XXXX on XX/XX/XXXX stating that the federal student loan ( s ) you received to attend XXXX XXXX  ( now called XXXX XXXX XXXX XXXXXXXX XXXX ) were eligible for full discharge. I made numerous calls after receiving that information ( which I did not write down, but overall was advised there was nothing to do on my end at this time & that it does take some time to process through. In that email it advised to STOP making payments, which I did. But as you know not making payments can impact your credit score and I did not want that to happen, so I kept looking for some type of update. I received a letter in the mail on XX/XX/XXXX from XXXX XXXX stating my loans were paid off ( but my loans were with Mohela ). I called and spoke to someone from XXXX XXXX and was advised he could see that my loans were transferred back to XXXX XXXX on XX/XX/XXXX. But I was still showing my full balance with Mohela, he suggested that these loans may be for something else, which I only attended one University, so that was impossible. He advised that I would need to speak to someone from Mohela. It takes 8+ hours on hold to talk to someone, and the one time I was finally able to speak to someone, they could not see anything sent to them on my behalf as to loans being discharged. I did put my loans in forbearance at this time until this is figured out but interest is still accruing. I called XXXX XXXX  back on XX/XX/XXXX and requested to speak to a supervisor. He was not able to give me any information just stating that the loans that were sent back to them were paid. He suggested reaching back out to Mohela and/or XXXX XXXX  XXXX XXXX XXXX XXXX XXXX borrower defense. Borrower Defense said they are unable to help me they are just the messenger. XXXX XXXX XXXX flat out told me to get a Lawyer ( I do not have that kind of money ). Called XXXX XXXX back again on XX/XX/XXXX and the rep said he would look into my mess and advised him and another agent will get back to me in a week ( they needed to loop in the financial dept ) and if I do not hear anything to call back. Well I did not hear anything back, I called back today XX/XX/XXXX & they were finally able to confirm that they see my loans were sent back to them from Mohela. But can not help me on behalf of Mohelas balance. I am currently on hold as we speak for 3h 30m trying to get someone from Mohela. I need help. I did contact a lawyer today, but again with seeking aid from an attorney cost money. Money on which I do not have. I am at my wits end.
Product: Credit reporting or other personal consumer reports

I have noticed that I have XXXX collections showing on mine report. I need to have XXXX XXXX XXXX XXXX. Removed I also need XXXX XXXX removed I also need XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. 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 ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had account with credit union with Suncoast Credit Union place my account on my XXXX  credit file without any notice Im in the hospital with XXXX and my brother tried to call credit union to explain and the woman said they would document account my brother lives in XXXX and work so unable to get to XXXX I can not make call either request the credit union remove account from my credit report and allow me time to get home so I can correct this problem. I dont understand how are they able to place a saving and checking account on my credit report that quickly do they not have to obey the rules the fair debt credit act has placed for all creditors and its not a credit card its my saving and checking account
Product: Credit card or prepaid card

CashApp has been advertising and steering individuals to sign up for direct deposit with benefits like XXXX-day deposits. Nowhere do they have fine print anywhere on Cash Apps main site that explains they reserve the right to choose which users get to enjoy the feature while advertising to all. I was an individual that was steered to sign up. I receive confirmation from my employee that my direct deposit was finalized on Tuesday XX/XX/2023. Cash App has yet to release my funds and has not provide an individual reason why I was opted out of an early paycheck. Ive reach out to Customer Service multiple times throughout the day and given the same explanation.. Delays happen on occasion. This is why there is a XXXX day time frame. I do understand the inconvenience, but we are not able to process the deposit any faster. If you do not receive your deposit within this time frame, then please reach back out then. CashApp does not advertise that delays tend to happen. This steering, deception should come with a warning label. Ive realize my deposit early from many other banks and have seen physical evidence of this current payroll being immediately deposited into accounts of my co workers.
Product: Money transfer, virtual currency, or money service

I signed up with Gemini in XX/XX/2021. Since then my account is in a pending verification state. I contacted the support more than 1 time overall possible channels. The website, XXXX, XXXX and even XXXX. No response was given to me to help my situation and explaining what is going on. Because of this large delay, I can't move my {$2800.00} USD out of XXXX. " XXXX XXXX is Proudly Owned by Gemini '' stated on the XXXX XXXX XXXX  It looks like they purposely hold my and people 's funds hostage. 
You can deposit to XXXX and the only way to withdraw is to move the funds to the XXXX Gemini account. When you create the account they don't verify you and hold your money. 

It looks that they do it on purpose to keep the money flow and acquire more users. This is all getting to the point where it looks more like a scum practice to me to steal money. 

I know a group of people who experience the same exact problem and don't know where to go.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Fair XXXX XXXX XXXX, Acct # 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 : States a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX, XXXX  XXXX Employers : XXXX XXXX  XXXX