23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On Friday XX/XX/19 it was brought to my attention on my credit report that my student loan balance went up from {$1000.00} to {$2400.00} without any notice or reason. On this same day i also noticed that my payments ( which i have not been delinquent on ) had increased from a monthly {$20.00} to  {$100.00} also without notice or reason. I attempted several times between Friday and now ( Thursday of the following week ) to get in touch with my loan service to no avail. My loan is Serviced by Navient.
Product: Student loan

I have smart option student loan with XXXX Bank with cosigner. I applied and made several calls to them to have my cosigner name released and every time request has been denied. My cosigner has no income. 
Every time, I call or request, the requirements to release the cosigner changes. 
This loan was approved with help of cosigner, which was recommended by XXXX Bank to increase the chances of my approval at the time of an application. Now, it has been more than 4 years, I have been making timely payments. I have checked all the loan disclosure papers, no where it says the requirements needed to release the cosigner. 
Please help me find, where on those loan papers we signed, says what are the requirements to release the cosigner at the time of approval of the loan. Why did the requirement to release the cosigner name went from 12 continuous monthly payments to 24, 36 and 48. Why is there a need to check credit reports for the borrower and cosigner ( has no income now ) all over again. Does XXXX XXXX bank wants to punish the borrower and cosigner? This company has never been cooperative and never works for the benefit of their customers. In my opinion, it would be better if XXXX XXXX Bank closes their operation, this would save lot of customers from agony and ruining their credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 10 accounts on my credit report that do not belong to me I have tried disputing this with the bureaus since last year and non of the bureaus are being helpful I have opened an FTC report regarding these accounts and still nothing it is affecting me not only mentally but also my daily life this is not ok I need this takem care of asap!!! 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX
Product: Credit card or prepaid card

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found a late payment on XXXX of XXXX or XXXX of XXXX. Each bureau is showing different dates, and i don't even know. Which is impossible!!! 

Anyways, I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I mailed a payment check for {$11000.00} to Barclays Bank to payoff a credit card balance on XX/XX/XXXX. The check was sent in with the payment coupon to the address on the coupon, and the last four digits of the account were printed on the memo line. I have a copy of the canceled check that was cashed by Barclays on XX/XX/XXXX. Barclays has not posted this payment to my account. I contacted Barclays several times and was told they would research the payment and contact me with a resolution. They were able to confirm that they received and deposited a check for {$11000.00}, but have no idea what account it went into. To date, there has been no resolution and I am forced to continue making monthly payments on a balance that I have payed off. 

I contacted Barclays on following dates : 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  No one has ever contacted me to ask for any documents related to this issue, not even a copy of the cancelled check that was deposited into a XXXX XXXX account assigned to Barclays .
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. ACCOUNT Name : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Creditor XXXXXXXX XXXX ) XXXX, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also, The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports : XXXX XXXX XXXX XXXXXXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XXXX, XXXX XX/XX/2021, XXXX XXXX  XX/XX/2021, and XXXX XXXX XX/XX/2021. Please REMOVE.
Product: Bank account or service

I have a XXXX account that is linked to my wells fargo account and pre authorizes payments on its behalf. I began getting emails from wells fargo alerting me that I had insufficient funds in my bank account, so I went on and saw that they had charged me XXXX times with a {$35.00} overdraft fee. I called them and they issued me a partial return of {$50.00} towards my XXXX total of {$210.00}, ultimately not helping my situation one bit. I explained that I am a XXXX and how last week was my XXXX, and that I would address the overdraft fees but that in the meantime I wanted them to please do me the courtesy of not charging me those overdraft fees as I work out my situation with XXXX. The following day I was charged XXXX more with a {$35.00} overdraft fee, and once again called, this time speaking to a man who told me he could n't do anything and that I had to pay the {$300.00} overdraft fee. As I mentioned before, I just XXXX and spent the last year as a XXXX. I have no way of paying this fee, and it 's usury and exploitation on their behalf. I really feel that this type of practice is corrupt and must be looked into because they are taking advantage of me and know I can not pay these fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found fraudulent accounts on my credit report so i filed a police report and submitted the police report to all the credit reporting agencies. XXXX accused me a submitting a fraudulent police report and did not fix my report. and they removed a item but my score did not change and its been months. I feel they are not going by the law of the fair credit reporting act. Please help!
Product: Credit reporting or other personal consumer reports

I've seen some hard inquiries that I did not authorized. Sent letters to credit bureaus, called some of the companies and I did not see the information falling off. I want these unauthorized inquiries removed
Product: Checking or savings account

I am filing a complaint with a CFPB regarding capital ones failure to deposit from my employer and any other incoming deposits. Capitol One has cited technical difficulties. Which may violate the electronic funds transfer act ( EFTA ) as it requires timely access funds. The situation rises concern about consumer protection laws, and I request your investigating to ensure my rights are upheld. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect and Inaccurate information on my consumer report
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failures in properly investigating consumer disputes, even leading to legal action for violating the Fair Credit Reporting Act ( FCRA ). This ongoing non-compliance is unacceptable, and I refuse to let my credit profile suffer due to Equifaxs negligence.

Federal law ( 15 U.S.C. 1681i ) is clearEquifax is legally required to conduct a proper reinvestigation of any disputed information within 30 days. Any data that can not be verified with 100 % accuracy must be removed from my report immediately. I demand that these errors be addressed without delay, as their presence is actively harming my financial standing. I will not ignore any further non-compliance.
Product: Credit reporting or other personal consumer reports

" These furnishers continue reporting false, inaccurate information on my credit report. XXXX, XXXX and Equifax continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- Per Section 623 15 U.S. Code 1681s2 : 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.

- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs.

- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. " XXXX XXXX XXXX
Product: Credit card

Received multiple letters from banks with declined applications I didnt submit : Wells Fargo XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I submitted a complaint multiple times about XXXX for reporting inaccurate information. Now my information is in the hands of this collection agency by the name of Monarch Recovery Management Inc. I have never received any phone calls, letters or any sort of documentation regarding this company having my information on file. I feel violated and threatened that this company has my private and may be using account numbers, address, phone numbers in a derogatory way. I want this information terminated and most of all having this account deleted from my credit report. I repeat that it 's to be deleted.
Product: Debt collection

The alleged debt is being reported by XXXX and XXXX claiming that I owe a balance of {$440.00}. The balance was policy was paid 6 months in advance and was terminated 2 weeks prior to the end date. So the insurance company owes me money in which I stated to them. I am requesting a full description of the procedure of reinvestigation once complete. I demand that this negative mark be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX ( CHILD SUPPORT ENFORCEM ), 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 permissions and instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter onXXXX XXXX to CREDIT bureau ) to remove XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$580.00} that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUEAUS are required to remove any accounts not later than 4 business days after theXXXX XXXX leter that was sent to CREDIT BUREAUS. .Ive already included this in my previous Complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & I am including it again.,
Product: Checking or savings account

I have a 25 % -35 % personal loan with Lending Club out of XXXX XXXX, Ca. I took out a loan in XX/XX/XXXX. I took out another loan in XX/XX/XXXX. I was unaware that the New York state law allowed only a 16 % interest rate or less on personal loans from financial institutions. I sent a written request to Lending Club and was told that they loaned me this amount based on what the federal government allows. No specific comment was given why they gave a rate much higher than what NY state allows. Please send me information on how I can proceed with this lender since it appears the company is operating without regard to usury laws in New York State. 
Referenced law in NY : https : //www.dfs.ny.gov/XXXX Note : Attachment only contains one loan image since Lending Club has blocked access to the other loan. Both loans are over 25 %
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, 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: Credit card or prepaid card

I have an account with Navy Federal and I did not give them permission to report my account to the XXXX Credit Bureaus... There is no sign documentation stating otherwise...
Product: Credit reporting or other personal consumer reports

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I XXXX XXXX  lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent. This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and noticed inquires that I don't know about these inquiries need to be removed from my credit immediately.
Product: Credit card

This charge has been in dispute since XX/XX/XXXX. 

With the assistance of XXXX, on XX/XX/XXXX, XXXX finally provided documentation that I requested. I have now had a chance to review the documents that XXXX withheld from me. 

The response they provided to the XXXX complaint dated XX/XX/XXXX oddly did not include the DETAILED dispute responses I provided dated XX/XX/XXXX and XX/XX/XXXX. They also asserted that I received a call from a case processor XX/XX/XXXX and that did not happen as I keep digital call logs. 

XXXX has signed the response " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. Per the customer service number provided on the same form, NO SUCH PERSON IN THAT DEPARTMENT EXISTS. XXXX is NOT honest in their dealings. 

XXXX has asserted that they received a response from the merchant and that merchant provided proof that I received the services represented by the transaction. 

The documents that have been provided by the merchant " XXXX XXXX '' to XXXX are documents I have not seen until XX/XX/XXXX ( when XXXX finally provided to me ). 

After review of the documents dated XX/XX/XXXX and XX/XX/XXXX, I assert that I did not authorize ANY charge on my credit card. I did not approve ANY transaction with this vender/merchant " XXXX XXXX ''. The charge to my card is not valid. i respectfully assert that the merchant documents do not evidence more than the activity of the merchant. In this case, completely false and unauthorized activity. The documents XXXX provided do however, evidence the UNAUTHORIZED charge to my credit card as well as UNAUTHORIZED charges to the warranty company ( which will be dealt with separately ). 

I am respectfully requesting the proof that XXXX is referencing that I received services that was provided by the merchant. I did not receive ANY services that pertain to the charge of {$4800.00} on my credit card. See attached " XXXX response to XXXX XXXX is EXTREMELY unorganized, dishonest, and complacent with regards to addressing this serious issue. XXXX is unethical and dishonest in how they conduct business for all of the reasons I have listed. Their flow seems to be to disregard the consumers responses and requests for documentation and close the claim. They are now damaging my personal credit. I have an outstanding balance in COLLECTIONS for over {$5100.00} ( to my personal credit reporting agencys ) ALL related to this unauthorized charge. They are charging me late fees and interest as of the date of this request ( XX/XX/XXXX ). 

Please provide proof of some sort that this charge is valid or reverse the charge. XXXX requested is simply a written agreement with my signature or a signed sales slip. 

Please provide a REAL PERSON to call with a direct phone number so that we can address this like an ethical business should. All written communications from XXXX are signed with fictitious names that point me to a generic call que. SEE ATTACHMENT WITH RED NOTES
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 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 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: Checking or savings account

After opening an account with Bank of America my business deposited $ XXXX into the account and was told that there would be a hold on the account because the account was new. It has been over a year and any time we deposit funds over this $ XXXX there is an unreasonable hold length for 10 days which is not feasible for us to manage our business. On XX/XX/XXXX we deposited $ XXXX from the same vendor that we have always deposited money from for which they are telling us that funds are on hold until the XXXX of XXXX. This is unacceptable for a business ' checking for which we have to run payroll for employees.
Product: Credit reporting or other personal consumer reports

Discover Bank has placed a ( XXXX XXXX XXXX ) on my consumer XXXX  report without my knowledge or written instructions prior to making such report.
Product: Debt collection

On XX/XX/2020 I spoke with XXXX From the Collections department at Comenity Bank in regards to a XXXX XXXX Credit Card account. I owed a little over {$700.00} and had several missed payments. I paid {$200.00} to bring my account up to date, taken out of my account on XX/XX/2020. I also agreed to have {$120.00} automatically withdrawn from my account each month starting in XXXX. XXXX made note that after XXXX I would owe nothing! He said I may need to call in XXXX to let them know that I should not be charged any finance fees. I checked my account in XXXX after my final payment and found that I had been charged a {$35.00} late fee every month since XXXX because they had my payment due date as the XXXX of each month and my account was debited on the XXXX!! I would have never agreed to a day two days later just to keep paying a late fee! I have been scammed! I sent a message through the online message center. I was told to call. I called and was told that they would need to listen to my phone call because I probably chose that date! They said they would call back and see what they could do but could probably not get rid off the finance charges. They have not zeroed out my account yet and I do not want them to take another dime from me! I am scared that they will continue to debit my account every month forever! They misrepresented and lied to me. This was extremely shady and I would never trust this company and their collections department. I was doing the right thing and paying off my debt. I was scammed!