23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Due to the current COVID-19 virus situation which impacted our jobs, I contacted Sallie Mae today ( XX/XX/2020 ) to ask for forbearance but I was told that the decision will have to be made later and even if it is granted the interest on the loans will continue to accumulate and I deem this as greediness on the part of this company considering that it was no fault of any citizen of the country that this situation came into existence.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act credit ( puts collection account & accounts ) has violated my rights,15 u.s.c1681 section 602A. states Ihave the right to privacy 15u.s.c 1681 section 604A SECTION 2 ALSO STATES A COMSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH OUT MY WRITTEN INSTRUCTION ... XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported me being delinquent. It was over a {$3.00} membership fee I was not even aware of. That lowered my credit score and then showed me at 99 % .on time payments instead my always 100 % on time. I called XXXX XXXX months ago and they said the would correct that information to the credit bureaus. They have not and still shows the same. I find this very unfair and I do not deserve this status.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Navy Federal Credit Union regarding a recurring issue with the processing of my check deposits. I have encountered a similar problem previously, and despite assurances from the bank, I find myself facing the same inconvenience once again. 

Details of the current incident : - **Check Amount : ** {$1100.00} - **Amount Delayed : ** {$910.00} - **Account Ending in : ** XXXX - **Date of Deposit : ** XX/XX/XXXX  I received the notice about the delayed deposit, citing concerns about the check 's collectibility based on confidential information. I want to emphasize that I have never experienced such delays with check deposits before, and this recurrence is deeply concerning. 

I previously discussed a similar matter with the bank, where they assured me that such delays would not be a recurring issue. Unfortunately, the current situation contradicts that assurance. 

This delay is causing significant inconvenience, and I am troubled by the lack of clarity surrounding the reasons for this recurring problem. I expect transparency and resolution in this matter, as timely access to my funds is crucial. 

I kindly request the Consumer Financial Protection Bureau to investigate this issue and facilitate a prompt resolution. Your assistance in addressing this matter will be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

balances still wrong!!!!! Impact to my FICA scores- can not obtain mortgage- late reporting- what a sham these agencies should be shut down if they can not report real time information! Amazingly that is done for negatives FACT! A number of opened disputes they are working on still show incorrect information even though corrections and updates were faxed to them the date of the payments!!!!! In my opinion a negative! Rates and terms usurious. Opinion by experience and fact- A major sham perpetrated upon the American people to keep them indentured. Honor and ethics REALLY and if not is this an example of educated capable people? 
REALLY- how long does one have to wait?????? 
error icon There may be a gap in the time that your payment is posted by the credit grantor and the date it's reported to Experian to be recorded on your credit report. We'll update your balance as soon as we receive your payment information from your creditor. 
HOW about fixing my wife 's file as well that is crewed up because you keep everyone linked that is married. Another favorite of yours!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Email : XXXX XXXX XX/XX/year> Innovis Consumer Assistance XXXX XXXX XXXX XXXX GA XXXX Dear Innovis, I am writing to formally dispute inaccurate and unverifiable information that is being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I discovered that XXXX XXXX XXXX is reporting an auto loan account with a charged-off status and a past-due balance of {$5200.00}, which is inaccurate and misleading. Also, Innovis violates my rights to privacy by reporting non-public personal information without my written permission or consent. 



Violations and Basis for Dispute : 1. Failure to Provide Accurate Reporting ( 15 U.S.C. 1681s-2 ( b ) The reported charge-off status and balance are inconsistent and do not reflect accurate payment history or verification of the debt.

If the debt was written off, it should not still reflect as a past due balance.

2. Failure to Conduct Proper Investigation ( 15 U.S.C. 1681i ) The furnisher XXXX XXXX XXXX XXXX XXXX has failed to provide proper validation of the debt and accurate reporting procedures. 

The reported information remains unverified, and as such, must be deleted immediately under FCRA requirements. 

XXXX. Inaccurate Reporting of a Joint Account The responsibility of this account is listed as joint with another individual, yet proper verification of liability has not been provided.

This violates 15 U.S.C. 1681e ( b ), as the credit bureau has failed to maintain maximum possible accuracy.

4. This violates 15 U.S.C. 1681, Rights to Privacy, by reporting non-public personal information without my permission.

Requested Action : Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if the disputed item can not be verified, it must be deleted from my credit report immediately. Therefore, I demand the following actions be taken within 30 days : 1. Remove the inaccurate and non-public personal information from my credit report.

2. Provide me with written confirmation of the deletion.

3. Refrain from re-reporting this unverifiable information in the future.

Failure to comply with these requests will leave me no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action for damages under the FCRA.

I expect a response within the legally allotted 30-day investigation period, as required by the FCRA. Please send written confirmation of your findings and any corrections made to my credit report. 



Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Utah XXXX XXXX is reporting that my account was a Collection/Charge Off account on my credit report which has never been true. When I contacted the university, they indicated that that was in fact an incorrect report and would get it fixed immediately. I have XXXX of back and forth emails indicating this. They showed the account positively on their end. 

To this day, the account is still showing negatively. On my most recent XXXX report it is showing that payment after charge off/collection. 

On my XXXX it is showing as a collection account. 

When I requested verification from Utah XXXXXXXX XXXX they in fact confirmed this was incorrect information and said they would have it fixed. In fact, they told me they sent for the information to be corrected, but obviously this incorrect information is still on my credit report and defaming my character and credit worthiness.
Product: Consumer Loan

I have been paid in a car loan with WellsFargo for over 4 and half years. I called Complaint Services and report the problems. No solution they do not even contact me. Therefore, I decided to escalate the situation.
Product: Money transfer, virtual currency, or money service

I have recently sold a used phone on a platform on XXXX XXXX XXXX XXXX  on XX/XX/2023. The total amount was {$1000.00} due to me via PayPal. 

PayPal flagged my entire account on XX/XX/2023, saying that it required " more information about my business ''. They have asked me to upload a copy of my id, where I get my " stock '' from with receipts, where I store my " stock '', and how my business works. I have promptly sent in all the documents by XX/XX/2023. I have also included the shipping information for the item, as requested. 

On XX/XX/2023, just within XXXX hours, they have decided that my account was in violation of their terms and services, without any explanation on why that is or any proof that I have violated any of their listed banned activities. 

I have tried emailing them through multiple email address, tried calling them, and tried using their own website to " resolve '' this issue, but it seems as though they want to keep my money for 180 days or longer, if ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report 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
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$45000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$45000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

*USING EOSCAR IS NOT A COMPLETE AND ACCURATE FORM OF VERIFICATION. DO NOT USE!!! 

XXXX XXXX UNVERIFIED ACCOUNT
Product: Debt collection

Letter was sent by XXXX XXXX calming a debt of BANK OF AMERICA checking account. I dont have an account with BANK OF AMERICA .... I called BANK OF AMERICA to verify that nothing was opened under my information and nothing was found .... this a company trying to collect a debt that doesnt exist
Product: Credit reporting, credit repair services, or other personal consumer reports

the following inquiries are not associated to me or any accounts on my consumer report and is against fdcpa and has been and infringement against my rights and has caused emotional distress upon me as a consumer with your company abusing my rights using unfair debt collection practices against me remove these inquiries asap the following inquiries are false and misleading and against laws 15 USC 1692 D XXXX XXXX  Inquiry from XX/XX/2020 Credit Union XXXX  Inquiry from XX/XX/2020 2020
Product: Bank account or service

On Thursday XXXX XXXX, I was refused by three Bank of America employees at their XXXX Branch my requests to open accounts - checking - savings - credit - debit - for the following : XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, both c/o XXXX XXXX XXXX XXXX, XXXX, PA XXXX. 
Previously, On date : Mon, XXXX XXXX, XXXX at XXXX XXXX I : XXXX XXXX. XXXX XXXX XXXX & lt ; XXXXXXXXXXXX sent to : XXXXXXXXXXXX a Request for Special Deposit Assistance by : XXXX as follows : XXXX XXXX. XXXX XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; XXXX XXXX ( 11 days ago ) XXXX XXXX, XXXX XXXX XXXX XXXX , Chief Executive Officer Bank of America XXXX XXXX XXXX XXXX XXXX , NC XXXX Request for Special Deposit Assistance I intend to open accounts today by SPECIAL DEPOSIT at the Bank of America branch in XXXX Pennsylvania today. Recently, I was prevented to open Special Deposits accounts at a Bank of America location by an employee who is not trained in banking law. Accounts include checking, savings, credit and debit cards etc for me and my XXXX, XXXX, Please allow convenient activation of both credit and debit cards at the branch office location for I travel or mail to my church address at XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. 

Special Deposit Notices to Declared intent or purpose of this tender of payment as a Special Deposit order of the Payor and Beneficiary, and is to be credited to the depositor 's accounts as accord and satisfaction and payment in full of a discharge of any and all outstanding liabilities. 

It is my intent and purpose by a Special Deposit to merge the Legal and Equitable title to XXXX XXXX XXXX land and property, real, personal, tangible, intangible, corporeal and incorporeal to extinguish the debt and terminate the trust. Bond # XXXX XXXX XXXX XXXX XXXX. 

I am a XXXX, and a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX, and I am listed in the alumni directory as simply priest. 

Blessings, [ red ink autograph ] XXXX XXXX : family-of-XXXX. 
These requests for Special Deposit checking and saving and credit cards was denied based on apparent fraud and intentional violations of the Emergency Banking Act of XXXX, and the Bank Secrecy Act, known as Dodd Frank. 

Special Deposit is defined at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, pages XXXX to XXXX, and by the book, XXXX on Banking.
Product: Prepaid card

This is the second time I've had to file a complaint about this issue. Bank of America has wrongfully denied my disputed transaction claims. There is a claim for {$12000.00} and a claim for {$3000.00}. I have filed police reports which I provided to Bank of America, I also provided copies of the e-mails between me and XXXX support regarding me being locked out of my account and my XXXX pay being deactivated. Large amounts of the transactions were done via XXXX pay. But I had been locked out of that account as well as my e-mail account during the time that the transactions took place. After filing my claims with Bank of America and providing them with more than enough supporting evidence on my behalf, they still proceeded to deny my claims and my appeals. After I filed my first complaint with CFPB, I was contacted by a complaint resolution representative from Bank of America and was told he was going to look into my complaint. This consisted of him sending me a recap of my interactions with Bank of America, and a copy of their terms and conditions. And then his conclusion was, " as no fraud was deemed to have occurred for [ claims # XXXX ], the Zero Liability policy does not apply. '' This response was ridiculous and insufficient because all he did was tell me what happened and then state an obvious fact. I am aware that they think no fraud was committed, that was my entire issue and reason for my complaint! He did not provide me with any supporting documentation or explanation. The only time I have received copies of the information they used to come to their decision was after I contacted them in XXXX, at which time they mailed me this information. And that consisted of a piece of paper that had my old e-mail address on it and then a note about me logging in with that e-mail using a high level of authorization. That's it. That is all they used to come to their decision, and I find this unethical and a violation of their terms and conditions due to the fact that the email address they were referring to wasnt even the e-mail that I was locked out of and had nothing to do with the transactions! I didn't even use that email for my XXXX account. Also, in their terms and conditions it states that once a claim is filed, if they are not able to come to a decision with 10 days, they will credit the account on the basis that if the claims are denied and the credit is used, the money would be owed. They took much longer than 10 days to resolve my claims and my account was never credited. I have never been treated so unfairly and so poorly by a financial institution in my life, and they are refusing to return my money to me with absolutely no valid reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT ACT XXXX XXXX XXXX XXXX XXXX ACCT # 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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Debt collection

Collection account was placed on my credit bureau for an unpaid medical bill. Ballad made no attempts to collect debt prior to sending this to collections.
Product: Credit card

On XXXX I placed and order with XXXX  and they advized me to make payment to their XXXX id XXXX then send them a screenshot of the payment. I did this on XXXX and it posted on my credit card on XXXX. On XXXXXXXX XXXX sent me an email that my payment was received and they would be shipping out my order that day. I have not received anything and have not been able to contact XXXX at all. I filed a complaint with Capital One and they keep telling me that XXXXXXXX XXXX XXXX  has done nothing wrong and it's all my fault. All contacts I've had with this company is with XXXX and not XXXX but capital one is using the sales representitive as the way to deny me my monies. I placed the order and had all my emails about this come from XXXX not their XXXX id person. If you view all the documents that I have attached in this complaint you will see that all emails have come from XXXX not XXXX as Capital One will lead you to believe
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ALLY XXXX Date of payoff. XX/XX/XXXX XXXX XXXX Date of settlement payoff XX/XX/XXXX Ive challenged this account several times with no response. This account does not belong to me as I have never had XXXX services. I have provided proof of this as well as submitted FTC affidavits, yet it is still reflecting on my report. IT NEEDS TO COME OFF Ally and XXXX XXXX were both paid off in a settlement with the agreement that those accounts would remove them from my report. 

These are a list of Inquiries on my report that I have no knowledge of. I have never applied for jewelry financing and I have haven't bought a car since XXXX yet there are a list of Auto Financing inquiries on my report.. 

XXXX CARD - XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX Finance/Personal XX/XX/XXXX XXXX  XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX CARD - XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My card was locked on the day I was supposed to make a payment. The company called and I told them I was in a meeting at work. They kept being insistent and rude. I called to complain and the XXXX of XXXX threatened legal action and threatened to cancel my payment plan. I explained to him the situation about my card and he insisted on telling me that I was making excuses and I dont know how to manage my money or responsibility. I ended up making a payment later that day to resolve the issue.