23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

my complaint is that I am buying shares from a company in XXXX ( XXXX ) and I live in XXXX. the bank is in XXXX. 

I have called many times to complain that they are stopping the payment through my XXXX account to buy the stock. it is anywhere from 10 to sometimes as much as 300. 

I have called them over 20 times since starting to buy the shares ( almost XXXX ). and many times they stopped the payment to the XXXX account. or even sent emails notices that there is a security problem in my account ( XXXX-XXXX-XXXX ) and now today I get still another email that there is a security concern with my credit card. I called them still again and I told her I did not want to speak to people just going over a scrip but to a manager. She put me on hold and no one ever came back on line and it 'timed out '. 

This is unusual for this but I know they have clients all over the world. so, why is this such a Hugh problem for them to correct?!?!?!? 

I have called every time and still the problem exists. the USAA bank in XXXX XXXX is not really doing anything for my problem. with more than 15 times calling over a few months is just to much to take now.
Product: Credit reporting or other personal consumer reports

This is my third endeavors to tell you 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} 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  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My account is incorrect, I am a natural person, I am a living human being, I have right under 15 USC 1681 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 & consistency. TransUnion is governed by 15 USC 1681. And they have violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and accuracy I did not give TransUnion written permission to furnish these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Our mortgage company has failed to pay our county, XXXX, and school taxes again. This is the second year in a row this has happened even though we have the money in our escrow account. Last year they repeatedly told us they would handle it but did not do so until we had a complaint with CFPB. We are now getting a letter stating there is a late fee and that a lien will be placed if the taxes are not handled right away. This needs to be taken care of immediately and we should not be responsible for any late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a truck XX/XX/18 last fall. The auto company applied at several ( too many in my opinion ) banks etc at the same time between XX/XX/18 to XX/XX/18. Credit reporting company web sites states ... ... ALL AUTO LOAN ENQUIRES IN A 14 DAY PERIOD WILL M COUNT AS 1 HARD ENQUIRE, transunion reported them as 6 NOT ONE ENQUIRES which caused my score to drop very much. they said they corrected the error BUT they did NOT. The following is what my dispute to them stated YOUR SITE STATES ALL AUTO LOAN ENQUIRES IN A 14 DAY PERIOD WILL M COUNT AS 1 HARD ENQUIRE. THE ENQUIRES FROM XX/XX/18 TO XX/XX/18 WAS FOR 1 AUTO LOAN. YOU HAVE THEM LISTED AS 6 ENQUIRES NOT JUST ONE!!! WHICH CAUSED MY SCORE TO DROP 20 SUM POINTS. I TOTALLY DISPUTE THAT. I WORK VERY TO KEEP A HIGH SCORE  AND ATTAIN OVER 800 SCORE. PLEASE CORRECT THIS MESS SO I CAN CONTINUE MY CLIMB TO XXXX. YOU ARE THE ONLY COMPAMY THAT LISTED THEM INDIVIDUALLY.
Product: Credit card or prepaid card

I called them to send me the remaining amount from my prepaid credit card that was paid directly into credit card. They had refused since I dont remember old address. They refused accepting my new address to update. They required old address! XXXX! It took months later then I found my old address from file. I called them. I called them to close acct and mail me the entire amount which was about over {$350.00}. They did update the address and would mail me the check. The confirmation nbr is XXXX XXXX XXXX. I called on XX/XX/XXXX only to learn today on XXXX that they did not close my acct!!! The guy does not even have the info of why the acct was not closed! Nor check was not sent to me. They still have my money! I suspect it is their way to charge lil by lil for it is for THEIR WORK. Dirty! It is a sly work of theirs. I need the check to deposit before I move to Alaska this XXXX of XXXX.
Product: Debt collection

This company is reporting a debt that I do not owe them. I need your assistance in getting this matter resolved once and for all. I do not owe this company any money and I do not have any obligation to this company. I have asked this company to provide me with a detail breakdown of this debt, proof that I am obligated to pay them anything and a copy of my signature. I have not received anything from this company as of date. This company needs to be fine for violation of the FCRA. The account is showing up as Acct # XXXX
Product: Debt collection

Debt collecter removed, and caused to be removed ; monies from my bank account, under pretext of a levy which was not recorded or executed by the XXXX of XXXX XXXX ; XXXX XXXX in which I reside. Bank refused to provide me with copies of papers served on them, so I personally checked with the office of the XXXX of XXXX XXXX ; where I was assured that they have no record of any levy or execution upon any bank account owned by me. This is as of today XXXX XXXX, XXXX, the monies were removed on XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted cfpb before on this matter with chime bank and they agreed to write it off and closed account but now I see that they have placed it back on my credit reports and not let them know that you can not report write off and in credit reports cause its considered income and according to regulations can not be reported. So why is it they resolved the issue by writing it off then go back to change it to still reporting is crazy and I want it completely removed from all credit reporting agencies
Product: Student loan

wanted to get some negative reports removed from credit report. I have several loans with Navient and have found that things reported or not true. I have been talked into doing income based driven plans and forberernace. put once those things have been completed its as if I did n't make any payments or the payments has increased and hit negatively on my credit reports.
Product: Student loan

Over 10 years I 've paid the loan balance of XXXX with the needle not moving at all ... in fact it 's gone up to now XXXX. In XXXX of 2017 I told Navient my income situation has changed ( co-signer now retired with 1/4 of previous income and me with job loss ) and they have not been willing to work with us. I 've offered to settle the amount and give a new, agree upon repayment so that the needle would move. The only offered " good faith payment '' options without providing any requested documentation that after 9 months of those, they would consider dropping an interest rate. They offered a " verbal forbearance '' period and are unwilling to send documentation on the details. Any time I 've asked for documentation about anything that could help, they 've declined. Repeatedly declined. 

Now we have been threatened to be sued and told we have already waived our rights to a Jury trial. Huh??? 

This is the most crooked system and exactly what 's wrong in our company. Please contact XXXX at Navient and others there. Employee # : XXXX ( collection manager ) XXXX In addition to all of this, the loan states that I borrowed from a school that is not even correct. This is the level of incompetency we 're dealing with. Even the very info they have on me is incorrect and something must be done. The harassment must stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

NCB management has been report wrongful information over several months to XXXX if after being deleted from both XXXX and XXXX credit report. This is ground for removal.
Product: Mortgage

My mortgage has transferred from XXXX to PHH Mortgage servicing and they have not recorded my XXXX payment. I tried working this out with both companies and neither of them are understanding and/or resolving the issue. I attempted to make XXXX pmt on XX/XX/2021 before my loan transferred to the new servicer ( PHH ). My bank returned the payment because they froze my account pending updated info required per the patriot act. I thought I had this resolved when I visited a branch, however, they missed additional info regarding my daughter who is on my account & put my account on freeze. I tried to explain this to XXXX prior to transferring the loan to let them know. They did not listen or care. The loan got transferred and the new company is trying to charge me for XXXX because of the returned payment which was supposed to be an XXXX payment. They are not giving me credit for my XXXX payment which I made on XXXX XXXX. 
I need this resolved asap to avoid derogatory info on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX : {$750.00} XXXX XXXX : {$0.00} XXXX XXXX : {$100.00} XXXX - XXXX XXXX : {$1400.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX : {$320.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX A ) XXXX : {$750.00}
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to request validation of the debt you claim I owe. According to XXXX Concrete FCU v. XXXX, XXXX Haw XXXX, statements alone do not constitute sufficient evidence of a debt. I require a proper validation of this debt. In accordance with 15 U.S.C. 1692c ( c ), I also demand that you cease all communication with me regarding this debt, except to provide the required validation or confirm receipt of this letter. Furthermore, as a consumer report is a medium of communication, please remove any negative information related to this alleged debt from my consumer reports. Failure to comply with these requests may result in further action on my part. I expect an immediate response. Please address all future correspondence to my address above. Thank you for your immediate attention.
Product: Debt collection

I SENT THE COLLECTION AGENCY A LETTER REQUESTING VALIDATION FOR THE DEBT AND TO CEAST AND DESIST ALL ATTEMPTS TO COLLECT FRAUDULENT DEBT. THEY FAILED TO REPSOND TO THAT LETTER AND ARE STILL ATTEMPTING TO COLLECT THAT DEBT. XXXX HAS SEEN IT AS FRAUDULENT AND DELETED IT FROM MY CREDIT REPORT. LASTEST ATTEMPT LETTER TO COLLECT WAS RECEIVED TODAY, XX/XX/2023. ONE MORE LETTER OR PHONE CALL FROM THEM WILL RESULT IN A LAWSUIT FOR HARRASSMENT.
Product: Credit reporting or other personal consumer reports

This a formal complaint that there is inaccurate and incomplete credit information. I am distressed that that the information included in my credit report profile, and have failed to maintain reasonable procedures the operations to assure, maximum possible accuracy in the credit reports that are published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore needs to be re-investigated. I respectfully request to provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX. The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. FCRA 15 USC 1681
Product: Credit card

I believe the account is invalid. CAPITAL ONE needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. CAPITAL ONE XXXX
Product: Debt collection

We paid this debt to XXXX. We paid XXXX XXXX for account # XXXX, Reference number XXXX, in the amount of {$120.00} Last Year. It might have even been the year before. This company, ERC, keeps sending us letters to collect the debt. I've called them to try to clear it up, but they keep sending me letters. What can be done? We do not owe XXXX Any money at all.
Product: Credit card or prepaid card

On Saturday XX/XX/XXXX I purchased a XXXX XXXX card for XXXX from XXXX. Sent info to my granddaughter in another country, as I have many times before with other cards. She could not activate it and neither can I. 
I took it to XXXX to exchange with receipt in hand, and they wouldn't help. 
I started trying to reach the number on the card but they were closed. 
Got up early today, Monday, and called the number again. I spoke to customer service at XXXX XXXX XXXX XXXX and they transferred me to the XXXX XXXX people. I was disconnected! 
I called right back and followed the lengthy process again and was being transferred but was told nobody answered that number so someone from that dept would email in an hour or so. 
I constantly kept vigil. After two hours, I called again and texted customer service. I was again transferred to a number and was told again they would text me.Hung up and redialed to no avail, nobody was picking up. 
After another 2 hours, I texted and called again. No answer to either. Twice now. 
As far as I'm concerned XXXX has stolen {$50.00} from me and could care less about their customers. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Transunion, and XXXX on XX/XX/2022. Its been well over 30 days, I still have received anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. 

This a violation of my rights. 

certified.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions were 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

On XXXX/XXXX/XXXX I disputed a XXXX Acct # XXXX .... asking them to verify all info. Experian responded to that dispute on XXXX/XXXX/XXXX and reaged the account and changed previously reported information. They changed the date opened from XXXX on XXXX XXXX, XXXX to XXXX on XXXX XXXX, XXXX. They changed the " date of status '' from XXXX on XXXX XXXX, XXXX to XXXX on XXXX XXXX, XXXX. The " on record '' date changed from XXXX XXXX on XXXX XXXX, XXXX to XXXX XXXX on XXXX XXXX, XXXX. In addition, on the XXXX XXXX XXXX report the " account history '' showed as OK until XXXX XXXX & then XXXX for XXXX XXXX. On the XXXX XXXX XXXX report, the " account history '' now reads OK until XXXX XXXX, then " XXXX '' from XXXX XXXX to XXXX XXXX and XXXX in XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX Balance : {$5100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX  XXXX  XX/XX/XXXX ; XXXX  XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These Accounts and Inquiries are reporting on my personal credit file with ( XXXX/Experian/XXXX  ) credit reporting agency. These Accounts and Inquiries were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.
Product: Vehicle loan or lease

BMW of XXXX : XXXX XXXX XXXX, XXXX, CT XXXX https XXXX XXXX XX/XX/2021 : Negotiated deal, the purchase price ( PRE-REBATES ) for {$61000.00} -- MSRP of the vehicle was {$63000.00}. 
XX/XX/2021 : Documents signed and was assured by the Finance Manager of BMW of XXXX that the deal terms would be honored ( PRE-REBATES ). 
While reviewing my lease contract, I noticed two ( 2 ) discrepancies on the contract and would appreciate some guidance, please. First, the negotiated price ( PRE-REBATES ) was {$61000.00} and the selling price on my contract is displaying a different amount. Second, the residual value ( RV ) of the vehicle on the negotiated price was {$34000.00}, whereas on my contract it is displaying an RV of {$36000.00}. The finance Manager-Mr. XXXX XXXX of BMW of XXXX failed to input the negotiated deal ( PRE-REBATES ) at signing while inflating the Residual Value. What is the point of having multiple layers of staff to negotiate the deal ( Client Advisors, Sales Managers, and so forth ) if the Finance staff ultimately reconstructs the deal ( PRE-REBATES ).
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. 

Bankruptcy XXXX XXXX # XXXX, Bankruptcy XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX ( XXXX ), XXXX loan XXXX # XXXX, US Dept . of Education, XXXX XXXX XXXX XXXX # XXXX ( XXXX ), # XXXX, XXXX XXXX # XXXXXXXX XXXX  XXXX # XXXX ( XXXX ), XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX ), XXXX XXXX # XXXX ), XXXX XXXX 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 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 7 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

Experian reported a hard inquiry from XXXX on XXXX/XXXX/2022. I didnt recognize this and called the associated number in credit report XXXX. Call goes in circles through a touch tome prompt not letting me get anywhere because I dont have an account with them and my ssn isnt recognized. After 20 minutes I finally got to a live person and was transferred to XXXX XXXX. I stated my issue then our call was disconnected and I am unable to get back to a live person. I am looking for more information and want them to provide me with support for the credit pull so I can determine if I need to take additional identity theft prevention measures. 
I called Experian and they could not help and directed me to XXXX.
Product: Credit card

I signed up for 3 automatic payments with discover card to bring my account current. After 3 months i was sinstructed to call in or make manual payments. After the 3 months my account was not current. I asked why. Discover said that i didnt get the full amount credited to my balance because i had been a part of the program the prior year. Therefore the interest and late fee charges still applied. AboutXXXX of XXXX dillars was going to my past due balance. When i complained, Discover told me there was nothing they could do.XX/XX/2016 money was automatically withdrawn from my account. Now XX/XX/2016 XXXX dollaars was taken from my account. When i call to complain they also tell me tbere is nothing they could do because there was no notation in the system stating that i wanted to stop payments. However the original agrement was that i only pay for 3 months automatically and then i would switch to manual payments ( hence no automatic payment occurring XX/XX/XXXX ). Im HIGHLY upset.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Experian and XXXX  on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Product: Credit card or prepaid card

Bank of America refuses to send me my monthly statements from my Visa prepaid AZ XXXX XXXX ending in XXXX and XXXX from XX/XX/XXXX thru XX/XX/XXXX. 
Bank of America sends me fabricated excel spread sheets that are loaded with mistakes, no balance, no Bank of America on front page with AZ XXXX XXXX prepaid card. 
Bank fraud.