23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XACTUS XXXXXXXX XACTUS XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XACTUS-AVANTUS XXXXXXXX XACTUS-CP XXXX DETAILS : TO WHOM IT MAY CONCERN, MY VEHICLE LOAN IS WITH XXXX XXXX XXXX XXXX XXXX I DID NOT AUTHORIZE XXXX XXXX TO SHOP MY CREDIT WITH XXXX XXXX, XXXXXXXX XXXX, OR XXXX XXXXXXXX XXXX XXXX THIS IS MERELY HOW THEY DO BUSINESS BUT WITHOUT MY CONSENT. 
SECONDLY, I DID NOT AUTHORIZE XACTUS OR XXXX XXXX  TO RUN MY CREDIT REPORT. I SIMPLY SPOKE TO LENDERS ABOUT MY OPTIONS TO BUY MY FIRST HOME. 

PLEASE CONTACT ME FOR ANY FURTHER INFORMATION THAT IS NEEDED FROM ME. THANKS FOR THE TIME AND HELP.
Product: Checking or savings account

Re : Bank of the West, XXXX XXXX This is the worst banking experience ever for me, and the bank itself actually looks fraudulent. 

We opened a bank account with them in XXXX, we funded $ XXXX to one checking account on XX/XX/XXXX. Before we received the ATM card, someone already started accessing our account starting XX/XX/XXXX. A few hundreds here and there, XXXX, XXXX, XXXX and alike within a few days, some {$8500.00} USD were stolen from our account. We noticed the problem only by accident when my wife logged into the account and immediately reported the problem to the Banks Fraud department. Following their standard procedure, we filed a police report ( XXXX XXXX Police Department report XXXX ), affidavit and we thought this would just work out on its own oh how wrong were we. 

Two months later this is still not resolved. 

We only saw {$2800.00} returned to our account earlier this month and were wondering why, and were thinking maybe they are still processing the refund. 

We called them again today, got hold for 45 minutes, and only were told some incident researcher called us early XXXX and settled with us on that amount. Oh, we didnt know we had settled the case with them because no one actually called us. 

Call center people just transferred around and no one seems to really know whats going on. They tried to bridge in the researcher who was nowhere to be found. They promised some manager would call us within one hour - but never happened. 

I dont know what kind of bank does not enforce a smaller default daily spending limit on the ATM card. I don't know what kind of bank would say we requested the increase of daily limit to $ XXXX cash spending even though we have more than enough credit card to use and would never, never need to access cash at this level. 

I dont know what kind of bank would treat a serious fraud like this one, likely rooted from inside of the bank, so lightly and not actively keeping its customer engaged for updates. 

I dont know what kind of bank would not allow for SMS alert for spending over a certain threshold. 

I dont know what kind of bank would think its OK for someone to accept a > $ XXXX loss through a phone call, let alone its not our fault. 

I can only think : A very incompetent bank tries to lure customers, a very incompetent management team who simply cant get their act together, a very incompetent board who picked incompetent management to let crazy things happen to their customers. 

They do not deserve to do business in California, nor elsewhere in the United States. 

I am filling this complaint but also taking legal actions towards the bank.
Product: Student loan

My consolidated subsidized student loans started at {$13000.00} in XXXX and has grown to {$28000.00} current balance owed. I have been charged capitalized interest during deferments, forbearance and IBR. I receive a statement with {$250.00} owed each month but with a {$0.00} amount due and interest is accrued on this amount. Capitalized interest is added every month. Some months it's over {$1000.00} and some months it's only {$50.00}. Navient will not explain how the repayment works and will not explain why I get a bill for {$250.00} every month with {$0.00} amount due. I have contacted Navient several times through out the life of my loans but I never relieve any resolution. In XXXX I I owed about {$19000.00} which I disagreed with but had offered a {$15000.00} payment to close my account in good standing. Navient refused to accept this amount. 
Also, Navient has sold my private information to several third party " debt relief '' companies that contact me 4-5 times every day. These companies have the exact amount I owe, payment activity, social security number, birth date, etc. They say I qualify for forgiveness but only have 5 day to respond. One company actually tricked me int o allowing them to login to my account. I thought I was verifying information, but they actually used that information to get a new password and almost had me signing an agreement with them. These companies pressure me every time I answer the call and they use voip numbers that are untraceable. Navient will not allow me to opt out of third party advertisements.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

An accordance with the fair credit reporting act. ( Child Support enf ag/n ) ( Acct # XXXX ) has violated my rights. 15usc1681 section 602a states I have the right to privacy. Also 15usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written instructions
Product: Bank account or service

I have been with XXXX XXXX XXXX for many years and in XXXX, 2015 they were bought out by XXXX XXXX XXXX XXXX XXXX. Many things have changed since that time in the way they do business. My bank account is tied to my XXXX account which I use a great deal for small purchases ( ie : {$2.00}, XXXX etc ). On XXXX XXXX, 2015 my online banking showed XXXX XXXX charges coming in that day totaling {$630.00} so I transferred {$1000.00} over to the account more than enough to cover these charges so there would not be any overdraft fees. On XXXX XXXX, 2015 I checked my online banking only to see that I had been charged {$260.00} for XXXX overdraft fees. Apparently a check for {$550.00} came in after hours of which I had no knowledge of and they paid that before the XXXX XXXX charges that were clearly showing during the day business hours. On XXXX XXXX I went into the branch and spoke with the XXXX regarding this incident. He informed me that the bank sets people up to fail by paying highest to lowest incoming items. He also informed me that this bank currently has a lawsuit going on against them for this type of behavior. He further more informed me that several other large banks around this area have already been challenged with this very practice and been forced to change the way they do this. He told me that XXXX XXXX would not change it unless the government forced them to because it is such a large money maker for the bank. If they would have use chronological time instead of highest to lowest as an honest way of calculating overdraft charges, I would have been charge only {$38.00} instead of {$260.00} that day. I also feel that charging a {$38.00} overdraft fee for a XXXX or even a {$10.00} charge is quite over the line. I have attached copies of my online banking showing this incident. This is not the first time this has occurred for me but I am a senior cistizen livng on a fixed income and feel that I am being taken advantage of. I appreciate any help that you can assist me with in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally complain about the recurring issue regarding the display of my account balance on my XXXX ( XXXX XXXX XXXX XXXX XXXX Credit Card. The balance has been consistently displayed incorrectly by a large margin. Currently, the discrepancy is greater than {$12000.00}, which is having a significant detrimental effect on my credit score. I have made numerous attempts to rectify this issue. Unfortunately, the problem persists despite my efforts. Not only is this affecting my financial credibility, but it is also causing me considerable stress and inconvenience. I am therefore seeking your assistance to investigate this matter and take necessary actions. I also request the following : 1. A detailed explanation of how and why this discrepancy occurred. Specific information on the steps that were taken in investigating and attempting to resolve the issue. 2. An assurance in writing that this problem will be rectified immediately and will not recur in the future. 3. Compensation for any damage that this may have caused to my credit score and reputation, if applicable. I believe that as a consumer, I have the right to receive accurate and consistent information regarding my credit card balance. The constant misrepresentation of my account balance by XXXX is unacceptable and must be addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a job with XXXX First Advantage did my report and it goes back 13 years All issues were already resolved by the court I was never arrested and never had a XXXX First Advantage never attempted to update the information before submitting a report directly to XXXX  Never sent it directly to me so I could clear up My deadline for clean report is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to some uncontrollable circumstances, I had some late payments with a company that is company represents. This was a very unfortunate time in my life. I have always been a loyal customer. Even after this debt, I paid off the account. the account shows on my credit report and it is paid, however I would like for XXXX XXXX to remove this completely from my credit report as a 1 time courtesy for a loyal customer who paid his debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX CO XXXX XXXX CIRCLE, BUILDING A XXXX, OH XXXX Subject : Formal Request for Debt Validation, Assignment Contract, and IRS Form 1099-C Compliance Dear XXXX XXXX XXXX XXXX  XXXX This letter serves as a formal request for validation of the alleged debt and compliance with all applicable legal requirements under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Consumer Financial Protection Bureau ( CFPB ) guidelines.

Request for Debt Validation and Documentation : Pursuant to federal law, I request that you provide the following documentation to substantiate the validity of the alleged debt : 1. Assignment Contract and Bill of Sale : o A complete copy of the assignment contract and bill of sale demonstrating your agencys legal authority to collect this debt.

2. Permissible Purpose : o Proof of permissible purpose under the FCRA ( 15 U.S.C. 1681b ) that justifies your access to and reporting of this alleged debt on my credit report.

3. Debt Validation : o the name and address of the original creditor.

o A complete and itemized accounting of the debt, including the original amount, payments made, interest, fees, and charges applied.

o Copies of all contracts, agreements, or documents bearing my signature that establish a contractual obligation for this debt.

4. IRS Form 1099-C : o Confirmation and documentation of whether an IRS Form 1099-C ( Cancellation of Debt ) has been issued for this account pursuant to 26 U.S.C. 6050P. If a 1099-C was filed, please provide a copy.

5. Verification of Reporting Accuracy : o Confirmation that all information reported to credit bureaus is accurate, complete, and in compliance with 15 U.S.C. 1681e ( b ), which requires data furnishers to maintain reasonable procedures to ensure the accuracy of information they provide to consumer reporting agencies.

Cease and Desist Notice : Effective immediately, I demand that you cease all communication with me regarding this alleged debt, as permitted under 15 U.S.C. 1692c ( c ). This includes phone calls, letters, emails, or any other form of contact. All future communication must be in writing and limited to providing the requested validation documentation. 
Demand for Compliance : If you are unable to provide the requested validation and documentation, I demand that you immediately : Cease all collection efforts. 
Remove any negative information related to this debt from my credit report. 
Confirm in writing that this matter has been fully resolved. 
Failure to comply with these legal obligations may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the office of my states Attorney General. 
Please send all requested information and documentation to my address listed above within 30 days of your receipt of this letter. 
Thank you for your prompt attention to this matter.
Product: Debt collection

Navy Federal Credit Union states on XX/XX/year> an account for {$22000.00} was open and I have no knowledge of this. Also I have no contractural agreement with them so this goes against United States Code 15 ( Consumer law ) and I need this taken care of.
Product: Checking or savings account

Trying to do a flex payment plan for rent and not able to connect to my checking account
Product: Checking or savings account

charged surprise overdraft fees on debit purchases and ATM withdrawals, was incorrectly and wrongfully charged monthly fees my money was unfairly frozen for weeks if Wells Fargo suspected a deposit was fraudulent.
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 name : XXXX XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX Account # 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 reporting, credit repair services, or other personal consumer reports

Hello, I did not authorize veterans United to check my credit report. I was inputting my information to fill in the blanks online to create a account and my credit score along with my wifes credit score were checked without us signing or authorizing for our credit to be checked. Please remove this inquiry from my credit report. Todays date that it occurred was on XX/XX/2021
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Re : Reference Number XXXX Dear XXXX XXXX XXXX I am responding to your contact about an alleged debt you are trying to collect. You contacted me by email on XX/XX/year> and identified the alleged debt as I owe XXXX of XXXX. 
Please supply the information below so that I can be fully informed about the alleged debt : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the alleged debt is currently owed. 
The name and address of the original creditor and any other names used. 
A copy of the original contract or other agreement. 
The name of any other person that is or was required to pay the alleged debt. 
The amount and age of the debt, including : Provide a copy of the last billing statement sent to me by the original creditor. 
State the amount of the alleged debt when you obtained it. 
State the date when you obtained the alleged debt. 
Provide an itemized list of any alleged interest, fees, or charges since the last billing statement from the original creditor. 
Provide a copy of any agreement expressly authorizing such interest, fees, or additional charges. 
Provide an itemization showing any payments since the last billing statement from the original creditor. 
State when the creditor claims this debt became due and when it became delinquent. 
Identify the date of the last payment made on this account. 
State when you think the statute of limitations expires for this debt, and how you determined that. 
Details about your authority to collect this debt, including : Provide the number of any license to collect debt in [ insert name of the state where you live ] and the name of the issuing agency. 
Provide the number of any license to collect debt in the state where you are located and the name of the issuing agency. 
Please treat this debt as disputed until you provide the information requested. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A couple of months ago I saw my XXXX score drop XXXX points. I called capital one than I was told to call XXXX. I talk to a support agent who informs me I have had a unauthorized hard inquiry on my account that I need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I exercised my rights as a consumer to request validation of a debt/account that is listed on my credit file that is maintained by XXXX, I contended that a bankruptcy that is listed on my credit file was not mine and they responded by saying that they verified it through the U.S Bankruptcy Court in XXXX Md. I contacted the Bankruptcy court who responded by sending me two letters on different dates that state that they do not furnish information to the credit bureaus, with that being furnished to me it is clear that they have not been able to verify this account and it needs to be removed. 
I have sent numerous requests for them to verify/ validate this account and they continue to say that the account is verified but that is not the case the FCRA states that upon my request the credit bureau must provide to me the name, address, telephone number and the person that they spoke to who verified this information and to this day they have not provided me with such information. due to these violations of FCRA 623 ( a ) ( 3 ) and FCRA 611 ( a ) ( 1 ) ( A ) this account should be removed Immediately.
Product: Mortgage

In the state of New York, foreclosure and sale can not take place without a valid notice of pendency being filed and indexed. See ( RPAPL XXXX ). 

PHH Mortgage knowingly proceeded with a foreclose sale soon XX/XX/XXXX, without having a valid notice of pendency. PHH Mortage was provided with Notice of Error letters pertaining to the invalid notice of pendency with verifiable evidence. 

A notice of pendency was in this matter filed on XX/XX/XXXX, then it later expired without extension on XX/XX/XXXX. A notice of pendency is filed in XXXX XXXX where the realty is situated ( see XXXX XXXX ) and is only effective for XXXX ( XXXX ) years from the date of filing ( see XXXX XXXX ). 

The extension, however, [ m ] ust be requested prior to the expiration of the prior notice. PHH Mortgage did NOT make a request to the court to extend the notice of pendency that was filed on XX/XX/XXXX, which was required prior to the XXXX ending period. 

PHH mortgage allowed the notice of pendency to expire by operation of law. ( See CPLR XXXX ). The statute is clear that an extension of notice of pendency [ m ] ust be applied for, granted, recorded, and indexed before the expiration of the prior three-year period. ( See CPLR XXXX ). That was NOT accomplished here. 

XXXX XXXX requires that a valid notice of pendency be filed at least XXXX days before a final judgment directing a foreclosure sale is rendered, and it is a prerequisite for a valid judgment and sale. There was no valid previous filed notice of pendency in effect when the XXXX of Foreclosure and Sale was entered on XX/XX/XXXX, and to date, this fact still remains. 

XXXX XXXX requires that a valid notice of pendency be filed at least XXXX days before a final judgment directing a foreclosure sale is rendered, and it is a prerequisite for a valid judgment and sale. That was NOT accomplished here. 

In the state of New York, foreclosure and sale can not take place without a valid notice of pendency being filed and indexed. See ( RPAPL XXXX ).