23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a factual statement of record made by a natural person, consumer, I am XXXX XXXX XXXX. I do not consent to XXXX verification. Upon receiving your unrequested notice dated XX/XX/2021through XX/XX/XXXXmail, as a natural person protected by federal law I noticed a number of direct violations to my consumer rights. Pursuant to XXXX XXXX XXXX ( XXXX ) the deceptive attempt to collect an alleged debt is a violation of federal law. A debt collector may not use unconscionable means to attempt to collect any debt. Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of mails or by telegram. Your hideous logo is in violation of XXXX XXXX XXXX ( XXXX ). Furthermore, XXXX XXXX XXXX ( XX/XX/XXXX states you are not to contact a natural person without prior written consent or a court order. I gave you no authorization for you to contact me and you are in violation of federal law by doing so unless you are able to produce a judicial ruling for my inspection that gives XXXX XXXX XXXX XXXX XXXX XXXX XXXX permission to disregard federal law. In response to your negligence, pursuant to XXXX XXXX CODE XXXX - Civil liability ( XX/XX/XXXX ) amount of damages except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of- ( XXXX ) any actual damages sustained by such person as a result of such failure ; ( XXXX ) (XX/XX/XXXX) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {XX/XX/1000}. Below is a list of your violations and attached is an itemized bill of particulars for immediate payment within XXXX days of receipt of this notice.
Product: Checking or savings account

Ive been charged XXXX $ a month since XX/XX/year> now by a company named self. inc ( formally XXXX XXXX XXXX ) I contacted my bank ( SDCCU  ) but they can only return 2 months worths of payments. It's been 2 years worth of payments even though I never signed up for this service. My guess is that someone put my debit card on their account so they can help their credit score. The company itself offers no help other than suggesting you contact your bank. But again my bank won't return all the money that got taken out for 2 years. Also they're aware that people use their service as a scam yet they offer no help.
Product: Credit reporting or other personal consumer reports

Urgent Complaint Regarding Failure to Update Account Status - Loan Paid in Full I am writing to file a formal complaint against XXXX XXXX XXXXXXXX XXXX ( XXXX ) concerning the mishandling of my account status. Despite having paid off my loan in full and receiving the 1099-A copy A, XXXX has failed to update my account to reflect the paid-in-full status. I called them on XX/XX/23, regarding this matter but they said they didnt know what I was talking about and never took care of the situation This oversight not only affects my credit report accuracy but also raises concerns about the bank 's adherence to proper financial reporting standards. I have made multiple attempts to rectify this issue by contacting XXXX directly, but the situation remains unresolved. 

I kindly request the CFPB 's intervention to investigate this matter and ensure that XXXX promptly updates my account status to " Paid in Full. '' Additionally, I would appreciate guidance on any further steps I should take to address the consequences of this reporting discrepancy on my credit profile. 

Thank you for your prompt attention to this matter, and I trust that the CFPB will work to ensure fair and accurate financial reporting practices.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you promptly remove any claims that have been reported in a manner that is non-compliant and unfair to me. This correspondence serves as my official consumer complaint, wherein I contest the accuracy of the claims included in your notice and challenge you and any other data repositories involved to provide irrefutable evidence that each claim was made in strict compliance with the mandated Metro 2 Data-filled Field Formatted reporting standards, including the requirements of fairness, truthfulness, correctness, timeliness, verifiability, and validity. While I do not dispute the validity of the claim itself, nor do I acknowledge it, I do have serious concerns about the adequacy of its reporting, given that federal law mandates that any claim must be reported with the utmost accuracy and completeness. As per XXXX  XXXX, I believe that the integrity of the claims reported by you is questionable at best and therefore potentially unlawful. I respectfully request that you take immediate action to investigate this matter thoroughly and provide me with a satisfactory resolution that upholds the principles of compliant reporting practices and procedures. It is imperative that you immediately and permanently adhere to federal and state reporting regulations in a factual and undeniable manner. The XXXX, responsible for creating the manual for reporting standards, has established requirements for compliant reporting practices and adequate, complete, and verifiable data submissions, and concluded that any deviations from these standards jeopardize the integrity of the data. Your reporting practices are questionable and do not meet even the minimal requirements for the privilege to report. You had the opportunity to report in a manner that is certifiably compliant, but your deviations suggest otherwise. As such, I contest your reporting privileges and challenge you to prove each and every aspect of requisite reporting and adhere to all required adequate practices. I demand that you remove from reporting exactly as I have requested immediately.
Product: Checking or savings account

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

I have noticed that BK OF AM have placed an inquiry on my XXXX and XXXX credit file dated XX/XX/2019. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested XXXX XXXX XXXX XXXX and XXXX to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''
Product: Credit card

Yesterday I received my credit card bill for last month and saw XXXX charges for completing and submitting my Federal income tax. While I have some problem with the deception XXXX XXXX used to have me pay to complete my taxes this year, after using them free for many years, I have no problem with using my Discover card to pay my taxes. First, XXXX has always used terms like " Easy, Fast, Free '' in promoting their service. This year they added charges, which I was n't aware of until well into the completion process. My real outrage comes in the third charge : paying a XXXX % " Convenience Fee '' to pay my taxes by credit card, through a third party in XXXX I might add. I do n't pay to use a credit card normally, and I was n't aware that such a charge would be forthcoming. 
I would think the Federal government would be happy to accept credit card payments to avoid bounced checks and receive faster payments. They should probably be happy to pay a " Convenience Fee '' for such a benefit. Please look into this. Thank you. P.S. I do n't intend to ever use XXXX again, and I will certainly never pay a " Convenience Fee '' again.
Product: Debt collection

i've been a victim of identity theft in the past and so much stuff coming up under my name. i don't recognize this debt.
Product: Credit card or prepaid card

This complaint is regarding the online payments system for the Military Star credit card, offered through AAFES ( Army and Air Force Exchange Service ). 

The online payments through their website are restrictive, which I can only assume has the intent of creating missed payments and interest owed. Specifically, you may only make a single one time payment per billing cycle. This was the error message when I tried to pay my balance : " Our records indicate you already made a payment this billing cycle. To make another payment before XXXX, please visit store customer service or make a payment via your bank provider '' Their recurring payment options were similarly restrictive, lacking an option to pay the full account balance. The offered options were minimum balance, previous statement balance, or a set dollar amount. 

On calling their customer hotline for more information I was told that I can make payments over the phone or in store at any time, but may not make more than one non-recurring online payment per billing cycle. They clearly have the capacity to process these payments, but want to make it more difficult and time consuming to do so. 

While these decisions they have made are ultimately minor and probably not illegal, I certainly find them to be unethical. I can think of no reason to restrict payment on credit card debt other than to generate missed payments and interest charges. This is especially troubling in the context of a lender that does business exclusively with the XXXX XXXX, a group that is particularly vulnerable to predatory lending practices.
Product: Credit card or prepaid card

Somewhere end of XX/XX/2022 I ordered a XXXX XXXX ( keyboard ) at Guitar Center here in XXXX Texas using a credit card from Synchrony Bank. The amount of merchandise is {$3000.00} that includes shipping and handling fee. Guitar Center told me that i will have the purchased item within 7 business days. I waited for about 14 or 16 days until i recieved it, when i unboxed the merchandise I found out many keys of the keyboard were damaged ( i took pictures of the damage keys ). I returned the keyboard on XX/XX/2022 to Guitar Center in XXXX TX, they gave me a receipt of merchandise returned. A month later i recieved a billing statement from the Syncrony Bank that i have to pay {$570.00} for the purchase of the keyboard. This {$570.00} according to Guitar Center was not refunded to me because it's the amount of shipping/handling, in other word they did not refund the whole amount of {$3000.00}. My questions is, is this legal to charge a consumer of shipping/handling when a mechandise is returned. I would think Guitar Center should be charging the delivery company or whoever deliver the merchadise, i should not be charge of {$570.00} because it was not even my fault.
Product: Money transfer, virtual currency, or money service

So I was On the market looking for a house. Sadly I fell for one of those scams where I saw the house was listed at a good price and the landlord isnt who they say they are. On XX/XX/2022 I fell for the scam and sent my landlord {$1000.00} from my saving account to secure a security deposit. The next day I seen that the email enrolled on XXXX was unenrolled so thats when I knew something was up. I called my bank and told them the situation I was in, they later said they would do a claim but it turns out they cant do anything because I verified the amount but before hand, I was going to verify the amount I asked the my banker if I could get reimbursed if this because a scam so I said yes verify the transaction. Later to find out it was a scam and im not being reimbursed after calling right after
Product: Credit reporting or other personal consumer reports

Amazon Chase continued to charge my Amazon Chase credit card for subscriptions that were canceled. I informed both Amazon and Chase but they continue monthly charges. I canceled the credit card and Chase issued a new credit card with different number. Without my authorization Amazon charged the new credit card for the canceled subscriptions. I closed the new account and logged complaints with both Amazon and Chase. I refused to pay for unauthorized charges. My account with Amazon Chase was delinquent and late charges with interest added. Chase resolved the issue with Amazon and all charges plus interest and late fees were reimbursed and I owed nothing but they did not take care of the damage done to my credit report. My score was XXXX and now because of faulty information my XXXX XXXX dropped to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - FINAL PAYMENT {$2000.00} ON XX/XX/2019 Creditor closed the account with a Cancellation of debt/settlement Creditor ensured they would removed this negative item from my credit/consumer file report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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, XXXX '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 investigatica.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX '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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

XX/XX/19 a debt collector called me, I said I would call them back after the holidays to set up a payment plain and he became rude and started insisting that I pay the debt in full at that time. He keep going on and on harassing me. I called back later to request a different person that I could work with to resolve my debt and a person by the name of XXXX XXXX started yelling at me and being abusive about my outstanding debt and how long it had been outstanding. He was not will to work with me and I again request a person that was not abusive. I have tried to contact the administrator there and keep getting XXXX XXXX. He caused me of things that were not true. The other very rude persons name was XXXX. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that as of today, I have not received any response from your organization regarding my disputes with the accounts listed below. These accounts are still being reported inaccurately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Numerous Follow up letters were sent and still went unanswered. 

Experian in violation of the FCRA.
Product: Checking or savings account

Re : Plains Capital Bank in XXXX, Texas Per Plains Capital Bank they stated I had signed up a XXXX XXXX which intended to send money to friends, family, and others trusted. They stated I signed up for this service and I did not. I am XXXX XXXX XXXX. I dont use a computer. They charged my account {$900.00} for this service. I protested and I received a letter just saying the investigation was closed.
Product: Money transfer, virtual currency, or money service

Got a XXXX code while trying to login to my venmo and company refuses to fix the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2019 Amount : {$32000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation
Product: Credit reporting or other personal consumer reports

I recently had XXXX XXXX accounts that was in collections removed from my credit report and deleted because the debt was not valid. One account was XXXX XXXX ( acct # XXXX ) the other account was XXXX XXXX XXXX ( acct # XXXX ). Today I received a inaccurate derogatory mark on my fico report, reported from XXXX for late payment history related to these deleted accounts. I did not pay a balance that was owed to get these accounts removed, the late payment were associated because the debt was invalid. This type of negative reporting is prohibited by the Fair credit reporting act!!. I request to IMMEADIATELY remove the late payment history that is associated with these deleted accounts so my credit report reflects accurate by law. 
In accordance with the fair credit reporting act XXXX account # 's XXXX & XXXX has violated my rights again. 
15 U.S.C 1681 section 602a states the right to privacy.

15 U.S.C 1681 section 602a section 2 also states a consumer reporting agency can not furnish a account without my written instruction or consent. 
Under the FCRA ( Fair Credit Reporting Act ) prohibits this type of negative reporting to ensure fairness, accuracy, and privacy of the consumer credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citizens Bank of NA failed to report accurately the payment in full of the HELOC account, specifically, the account was paid in full. The debt was set at {$170000.00} on HELOC on the property located at XXXX XXXX XXXX, XXXX, RI XXXX. The house was sold for {$170000.00}, which cover the amount owed. Additionally, Citizens Bank claims a deficiency. The borrower and the bank agreed to a payment of {$1100.00} in lieu of the deficiency. Borrower paid in full as agreed. There is no money owed and the HELOC was paid in full. 
Citizens Bank is reporting that the account was settle for less than the full balance. 
Citizens Bank failed to inform the credit bureaus that the account was paid in full as agreed. Thus, diminishing borrower ability to obtain loans. 
This is a bad faith reporting. 
I ask you that your agency assist me in amending and/or modify the credit report.
Product: Credit card

XX/XX/year> i called breads rewards card because i could not get into the website. They informed me of website issues and had me reregister ( new login and password ) I did this and got the same error message. login and password dont match. I wait until the next day XX/XX/year> I called back still unable to login and check my rewards and current purchases. I call customer support they have me repeat the same thing with the same results. ( reregister blah blah blah ) I give up and wait until the next day. 

XX/XX/year> I called them on the 3rd day of being unable to check my purchases and rewards. They try to get me to do the same thing for the 3rd time. I register with them on the phone. I also record me creating a new user name and password to login on video, so i could prove i wasn't losing my mind. Same result I call them back a few hours later and ask to speak to a supervisor the agent tells me to please hold and they hang uop on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mines, and do not belong to me in any way, not even sure how someone else account crossed with mines, Im demanding that these accounts be removed immediately.

1 ) XXXX XXXX XXXX 2 ) XXXX  Card Services
Product: Checking or savings account

I filed a dispute with my bank due to a duplicate charge that was charged to my account from a Merchant for a payment that had already been paid. I provided the bank with invoices from the merchant as well as a copy of the money order reflecting the payment that was made to the merchant. I also informed that bank that the contract that the Merchant provided did not reflect my signature. In spite, of all the evidence that was provided the bank still denied and closed the dispute. I also conducted a three-way phone call with the merchant and the Supervisor XXXX XXXX confirmed that there was a XXXX dollar balance on the account and the {$500.00} payment in question had already been paid.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXXXXXX XXXX XXXX AND XXXX XXXX XXXXXXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXXXXXX XXXX  AND XXXX XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.