23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company claims i owe them for a bill that I never had with them I have disputed this bill and it was removed and now this company keeps emailing me none stop. I ask for voildation of the bill and they refuse says it confidential. I have ask them to stop emailing me and they continue.
Product: Credit reporting or other personal consumer reports

I sent the XXXX credit bureaus a letter again asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$4400.00}
Product: Credit card or prepaid card

I called Citibank customer service but the call wasn't answered by Citibank, it was answered by an OUTSOURCED CALL CENTER called XXXX. The website is XXXX. According to the website, XXXX employees answer the calls from home. I have reason to believe my financial information was compromised by enabling agents working for XXXX who aren't even Citibank employees to answer Citibank customer service calls which entail personal financial information from their homes. What is the security of information used by the outsourced XXXX employees? What physical security is in place in people 's homes to prevent misuse of my private information? In addition to privacy concerns, I also believe Citibank has developed this outsourcing program as part of the company 's systemic XXXX  and XXXX  to avoid paying benefits and providing job security to women and persons of XXXX who often take call center roles.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two credit inquiries on my account that should not be there and was hoping to seek help to remove them. Both of them were pulled on the same day as well as by two companies in California. I 've never been to California nor have I ever done any business with those listed companies. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Payday loan, title loan, or personal loan

I paid {$800.00} for a {$5000.00} loan. 
{$200.00} was for ppi registration, {$600.00} was for interstate fees.now thay want me to pay {$400.00} for XXXX XXXX transfer fee. Start date XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I know its legal but is it ethical? 
How does the cfpb allow a credit card company to purposely punish a XXXX XXXX XXXX permanent and totally XXXX veteran like this? I had to retire in XXXX due to my disables. I still managed to continue to pay ON TIME until I ran out of possibilities in XXXX. They charged my accounts off in XXXX. They are reporting charge off in XXXX, that's inaccurate reaging. The worst of it is after they sued. I have no taxable income. The worse part of all of this is I just got turned down for a XXXX. the reason? Recent charge offs. I haven't been late on a single bill for over XXXX years. I have no recent charge offs and XXXX XXXX has already written the expense off to the IRS. This reporting off my charge offs monthly and as new should be illegal. It is false reporting and not accurate. XXXX for example, reported the charge off once in XXXX its there, but doesn't show as recent, which is accurate. XXXX XXXX is purposely damaging my credit, why? To make me suffer more for going thru a hard time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting 90 plus days late on the XXXX  account number XXXX. ( Please see page 3 of the attached credit report. ) The date of last activity was in XX/XX/2012. This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please remove this line item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. I am formally requesting that these matters be investigated properly and immediately. The account information listed directly below is inaccurate, and I dispute the validity of each. As per the FCRA you must delete all entries to my credit file that can not be proven to be accurate. Likewise, you must provide me with your Method of Verification. You are a partial owner of the E-OSCAR system, which has proven to be unreliable for the intended purpose of my dispute and does not constitute the legally required independent investigation that you must conduct.

For clarity, the sections of the Fair Credit Reporting Act of 1970 which are referenced within this letter are : Section 604, Section 609, Section 611, and Section 623. I will assume that by the very nature of your business, I do not need to provide definitions of what is covered under each of these sections individually.
Product: Checking or savings account

I bank with Navy Federal Credit Union. My concerns are the EFAA ( Expidited funds availability act ) mandated by the Federal Reserve System. NFCU trick there members into thinking there getting direct deposit early. This is not the case. This has been an ongoing issue. They have changed policies without giving customers any knowledge. At the end of the day there practices are paying interest from customers checks every month. Its stealing and its wrong. Its more than what im explaing. I have the right to choose who I want to bank with. There purposely not giving out valueable information to keep their customer base. Please contact me for further details in this matter. It needs to be address so people wo n't lose money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX* Balance : {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

PORTFOLIO RC ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$790.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX Balance : {$0.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX Balance : {$1500.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete Immediately. 

XXXX XXXX XXXX Balance : {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

XXXX XXXX Balance : {$710.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit.
Product: Checking or savings account

My chase account was closed due to me depositing a third party check. I deposited this check at a branch in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I came into the branch with my friend whos check it was he had his proof of identification with him the teller allowed both of us to sign the check after looking at both of our forms of ID. That following Monday the branch texted me stating I need to provide more proof. I called chase and they stated they needed to verify who XXXX XXXX is which doesnt make any sense if we both came into the branch tin endorse the check, I understand chase wants to verify the person XXXX endorsed the check which was no issue but the number I gave chase for XXXX XXXX they stated they couldnt verify who he was. After looking on XXXX this is a huge problem with chase after research and constantly calling back we figured out chase uses a consumer report from XXXX XXXX. I had jaevon call XXXX XXXX  and he stated XXXX XXXX  said the number they had on file for him was the number we gave chase. I asked the back end team / specialist is there another way we can prove XXXX wrote like coming back into the branch with our proofs of identity. XXXX money is needed it was a IRS treasury Check that was issued to him. Is the check going to be sent back to jaevon? Is there another way we can be verified? I would like the remaining balance of my account sent out once the check is cleared.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX account number XXXX XXXX, XXXX account number XXXX XXXX XXXX Account number 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: Money transfer, virtual currency, or money service

I ordered a pool online and paid XXXX to a company named XXXX. I sent the money through paypal. The pool never came so the company sent my money back to paypal but paypal wont give it back to me. I have documents to prove everything from my reciept to the company XXXX email telling me that the money was sent to paypal and for me to contct them for my refund. Paypal has blocked me or something. I try to contact corperate but they dont return my calls
Product: Credit card

I was late making the monthly balance payment to American Express on account numberXXXX. They eventually cancelled the card and charges off a balance of {$1400.00}, but not before rolling up late charges and interest for many months. I have asked repeatedly for several of the bill collectors to get me a copy of what any actual charges were, as opposed to penalties and interest, and offered to pay actual charges, but no one ever responds, and if i try to call AMEX they just say it has gone to collections and refuse to talk to me. None of the collectors ever send a copy of what I am being charged for.
Product: Credit card

Ive been charged AFTER I closed the acct. they have done this to me XXXX  {$15.00} of the balance was fraud/disputed back XXXX XXXX & they credited my acct only to re-charge the XXXX later on so I was very upset & texted w many diff CS reps ( I am deaf ) only to get more upset bc they refuse to take it off-even tho the acct was closed. How can I pay the balance on XXXX  only to b charged {$4.00} same day!!! Doesnt make any sense & they already ruined my credit score for this so I am fighting it bc its WRONG-so wrong & against my principles. I shouldnt have even paid the other amt bc half wasnt correct. Theres also NO ACCT # on the card & I never got a statement the entire time Ive had the card-couple months so idk what to do bc next step is asking for acct # - Either way-thank u for ur help & I hope & pray this will b resolved
Product: Student loan

Up until about 5 years ago my wages were being garnished for student loans, since that time I have remained in good standing on XXXX loans. Evidently at the time there was a XXXX XXXX loan that was not sent to XXXX the people collecting for the other XXXX loans. About two months ago with no warning my wages were garnished by Van Ruh again. Federal law clearly states they have to give me 30 days notice and I received NOTHING. After much grief I finally got the education dept to take off the garnishment. I wanted the loan consolidated with the other XXXX loans so I could just continue. Then without any warning whatsoever they garnished my wages again 2 weeks ago. I had been told by the dept. of education that before they could consolidate the loan Van Ruh would have to remove some block. When I called Van Ru they kept saying it was being taken care of. I believe they should be sued or fined.
Product: Debt collection

Diversified is trying to illegally collect a supposed debt for XXXX. This debt if owed would be a zombi debt which would not be collectable per the fair debt collection act and the dept collection act of Texas. The following statements are from the complaint I filed about XXXX. 

I was contacted by a dept collector stating I owed a dept to XXXX. I dont remember ever having XXXX as a XXXX company. I have tried calling XXXX  about the supposed dept several times and they could not give me any information on the supposed dept and told me to go to one of their stores to get the information but even they couldnt pull up any information. I then contacted their corporate office and they couldnt find any information regarding this supposed account. I even contacted the dept collector and they couldnt give me any information either. 

I have had my current cellular company for over a year and before that I had another cellular company not XXXX for over 7 years. 

This is the first time I even heard that I might owe any money to XXXX and by my research if I did owe that amount due to the fair dept collection act this would fall under a zombie dept which is not a collectible account and would be an illegal action upon XXXX to even try to collect this dept. 

I did contact the dept collector Diversified and they stated XXXX turned the dept over to them in XXXX year of 2022
Product: Student loan

In XXXX of XXXX, I completed an application for and submitted an employer verification form requesting to enroll in the Public Service Loan Forgiveness Program with XXXX. I then contacted them in XX/XX/XXXX to submit the annual employer verification form. On XX/XX/XXXX, I received a letter stating that I will only be credited for on time payments made from XX/XX/XXXX to XX/XX/XXXX although I have been a full time employee of the XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX  since XX/XX/XXXX and verification was submitted confirming this. The representative stated that they have my employer as the XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and the XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I explained that the XXXX XXXX  XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX is the same employer and it either way it is a public institution. The XXXX representative acknowledged that the Federal ID # was the same for both names ( XXXX ). I was told that my case will be reviewed and adjustments will be made if on time payments were made while employed at my state job between XX/XX/XXXX and XX/XX/XXXX but the review will take anywhere from two months to six months. During XX/XX/XXXX, I contacted XXXX to get an update and was told that my account has not been reviewed and can take up to a year to review and no additional information can be given to me at this time. I feel that this time is extremely long and unfair and the review should have already began as it is four months since I requested a review. I do not believe that the process takes that long as the history of my loan was forwarded to XXXX when it was purchased by XXXX. How is it then possible that they need 6 months to a year to review. It is now 4 months and my account has not even been looked at. I believe XXXX has no intention in reviewing my account with the expectation that I will give up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of XXXX XXXX XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXL Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Account Number : XXXX
Product: Vehicle loan or lease

XX/XX/2023 I Mailed a Notarized Certified Letter to ALLY FINANCIAL notifying them of a Billing Error i was Disputing. I also filed a CFPB complaint ( # XXXX ) and attached the copy of the billing error notice, which they received on XX/XX/2023. XXXX XXXX XXXX specifically states what was required by Law. Ally did not provide any of the required documents to me in writing or proof of any investigation into this Billing Error. THEY WILLFULLY DID NOT COMPLY AND ARE IN VIOLATION.15 USC 1666e states " any creditor who fails to comply with the requirements of section FORFEITS ANY RIGHT TO COLLECT FROM ME! Instead, ALLY FINANCIAL is willfully and knowingly non compliant and even took ADVERSE ACTION against me. They reported 2 late payments which is a form of " negative credit reporting '' as a result of me exercising my right to withhold payment until the Billing Error is resolved. ( 12 CFR 1026.13 ) Attached i included photos of my XXXX Credit Report i checked on XX/XX/2023. ALLY received my Billing Error on XX/XX/2023 and is still knowingly and willingly violating my rights as a consumer. I am attaching a Cease and Desist Notice I will mail to ALLY via certified mail. 
I have made multiple attempts to try and resolve this dispute reasonably but if they do not meet my demands, i will have no choice except to move forward with Arbitration.
Product: Checking or savings account

I am old customer of more than 10 years with USAA. 

I am going through a period in the last 9 months whereby I need checks deposited from the same party into my USAA checking account on a repeated basis. There is nothing fraudulent nor suspicious about the pattern of check clearing against my account. 

Going back to XXXX USAA has been placing automatic fund holds of 10 days on this accounts. This COMPLETELY invalidates why you go to get that check in the first place. 

There was a manual workaround for a time where a phone call would release these holds. This no longer works. Even after raising my call to the Tier 2 " Member Relations '' team, the message was still the same : 'computer says no. ' Now we are at a position where I have 2/3 of my check amount on hold for 10 days and USAA is saying I have insufficient funds AND CHARGING FINES. 

This is an unconscionable business practice.
Product: Credit reporting

Transunion keeps saying that the Bankruptcy is mine even after providing the information to them about the Bankruptcy document that was filed. It does not contain my name and address. Now they are saying that they verify through a third party such as XXXX XXXX and XXXX. Their method of verification is not correct. They initially told me that the Bankruptcy was " verified ''. I called Transunion and they told me that I have to go through the Bankruptcy Federal Court in XXXX. I send The Federal Court a letter and they stated that THEY DO NOT VERIFY ANYTHING WITH THE CREDIT BUREAUS! In addition, they told me that " pursuant both to Federal Statute and the Federal Rules of Bankruptcy Procedure only the last XXXX digits of a Debtor 's social security number along with their full name and address can be released. In order to obtain a debtor 's full social security number, a third party must file a motion with the court to unseal documents related to a case. This would be very unusual and does not happen on a regular basis. '' Per FCRA 603 ( o ) Excluded communications. A communication is described in this subsection if it is a communication. 
( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( ii ) consents orally or in writing to the making of the communication to a prospective employer, before the making of the communication ; and ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ; Therefore, Transunion 's method of " verification '' is not a valid method if you 're using any 3rd party to verify. Even if I did file a Bankruptcy, which I did not, I did not give anyone, not the Bankruptcy Trustee, the court houses, XXXX, or XXXX authorization to furnish information about any of my court cases. There is not ever a court order to have any information of mine on my credit report. This information that you 're claiming as " verified '' is illegal and it 's not verification. You 're constantly breaking the law, even when I provided you with the document that DOES NOT CONTAIN MY NAME NOR MY ADDRESS. You need to govern yourself correctly.
Product: Payday loan, title loan, personal loan, or advance loan

I pawned my things and spent over a year paying interest on it which probably exceeded the loan. I was out of town for a funeral and my loan was past due. When I made it back I was told I could rebuy my items for current value which was more than double my loan amount. I tried to put some items in layaway but they stated it had to go in someone elses name. I tried reasoning with store manager name XXXX at the time but he said I needed to pay {$4400.00} for a purse I paid {$1700.00} for that had the receipt inside because the current market value was {$4400.00} online. I lost all my things because I could not afford the ridiculous buy back amounts. I had no ideas I could file a complaint about this. Because he was the store manager I was told nothing could be done because he made the final decision.
Product: Mortgage

On XX/XX/2017 my home had a water damage loss. Reverse Mortgage Solutions received the first insurance company payment in XX/XX/XXXX and a second in XX/XX/XXXX. They did not send payment for repairs until mid XX/XX/XXXX. They sent 30 % and told me the balance would be sent after repairs are completed. How can they expect 100 % completion with 30 %? Also the water damage invoice from XXXX has n't been paid. They completed their work in XX/XX/XXXX and now are threatening a lien on the house. RMS has asked for and received multiple copies of documents requested but keep saying that they do n't have them and then saying they need more documents and signatures they did n't ask for initially. Their delays have resulted in additional damages ( mold ) and additional living expenses. I have spoken with multiple people multiple times and never get the same answer twice.