23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My loan was transferred from Campus Partners to ECSI. I was not notified of the transfer by either party until I realized I was unable to access my campus partners account and they gave me a phone number to someone else. I called the number and was put on hold indefinetly, I was finally able to access my account using a livechat with an ECSI rep who gave me my login information. Upon logging in I can not tell if my payment is due and the website is very confusing and unclear. I dont even know if my payments are current. The login information requires XXXX fields and is extremely clumsy. The website is extremely outdated, confusing, and slow.
Product: Bank account or service

On many occasions Navy Federal Credit Union has mailed threatening letter to my personal mailing address to contact my leadership and removed funds from my saving and checking account to pay delinquent credit card debit with my personal authorization. They have also locked me out my online banking account also access to my on check and debit card for days and even weeks at times using that to force me to pay delinquent charges on a credit with money I personally did n't have to advocate to that debt at the time. I have been told these are not correct practices of a financial institution by my legal counselor.
Product: Payday loan, title loan, or personal loan

Ive paid more than the borrowed amount.
Product: Checking or savings account

When I got the savings account, I was never given or seen a deposit account agreement.. 
I come to find out there is a fee for not adding and keeping the account activated this fee is {$10.00} a month. I had over {$300.00} in the account. I never got any notice of this fee, nor did I get any notice of the account being inactivated. 
XX/XX/XXXX is the 1st time I got a deposit account agreement, since opening the account in XX/XX/XXXX.. 

Here I thought a savings account was for setting money aside and building it up, not for the bank to steal it! 

This was done by First National Bank, PA the XXXX XXXX, branch
Product: Credit reporting or other personal consumer reports

Id like to file a complaint against Affirm for Credit Discrimination violating my rights Pursuant but not limited to 15 USC 1681a, 15 12 CFR 1002 and 15 U.S. Code 1691. Section 16 of the Federal Reserve Act says that while applications are graded they can not be denied. Moreover, Affirm continued to violate me According to 15usc1681n they were willfully non-compliant because I notified them of the previous violations and they refused to fix the issues.

As a federally protected Consumer, I have been constantly denied an extension of credit by Affirm on multiple occasions which caused me very much undue stress and emotional damage for being treated less favorable than other applicants. I submitted an application to extend credit several times ( dates will be attached ) which Affirm continued to deny. As you may be aware, an adverse action against a consumer is against Federal law. Pursuant to 15 USC 1691 ( a ) ( 3 ), I have been violated. I have the right to credit under the Truth In Lending Act 15 USC 1602 ( f ). I understand what a credit card is and that I used my credit card to credit transactions, pursuant to 15 USC 1602 ( 1 ). Also, the constant denials to extend my credit was made partially or wholly based on discriminatory evidence and that by law a credit denial is fraudulent under UCC 15. 1611 due to negative remarks, inaccuracies and discrepancies that Affirm have reported against me.

Furthermore, Affirm proclaiming an adverse action against me is an unauthorized use of my credit card from which, I received no benefit, pursuant to 15 USC 1602 ( p ).

Additionally, subject to the requirements referred to in subsections ( b ) and ( c ) of 15 USC 1691, states it shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputing errors on Experian credit report. For over a year, every 30 to 45 days via Certified Mail I have been attempting to fix errors on my credit report. Each time Experian does not correct the problem, and at times they add additional incorrect information to my credit report. 

Specific example : I paid in full a second mortgage with XXXX XXXX XXXX in XXXX. Experian reports that this loan was " written off ''. I disputed this. On three occasions I provided Experian with proof that Experian 's reporting is not accurate in the form of a letter I received from XXXX on their letterhead stating that the loan was paid in full in XXXX. Now, in addition to not fixing the incorrectly reported account status, Experian added that the loan was " charged off '' in XXXX and XXXX of XXXX to the payment history. When I spoke to experian, I was told that they received my letter from XXXX XXXX when the loan was paid in full -- however that Experian only reports what XXXX tells them to report. When I said there is no way XXXX added the incorrect data to my credit report, the response I got from Experian customer service ( XXXX ) was " they always blame it on us. '' Experian 's inacurate reporting has caused my credit score to plummet, the inability for me to obtain credit, and it has prevented me from obtaining housing for over a year. 

Each dispute filed with Experian monthly for over a year provides the same incompetent results. Further Experian blames XXXX for reporting the data incorrectly, shifting the burden of accuracy to XXXX. When I contact XXXX they tell me they do not report what Experian has on my credit report XXXX they report what is stated in the letter of proof I sent to Experian XXXX, and they are not reporting the loan was " written off '' nor any activity beyond XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few items that I need to review for some legal proceedings. I would like a a full report and my full CLUE from XXXX XXXX. Please forward me a copy of my XXXX XXXX and Core Logic reports as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently my attorney and I settled for an undisclosed amount with Equifax because of their failure to comply with the fair credit reporting act section 605B pertaining to identity theft. I have recently sent Equifax A new FTC report and police report but according to their records they dont even have the FTC report or police report that was used for the settlement that they had at one time. I find it interesting that this particular credit bureau had a major security breach which unfortunately I was a victim of. Recently we settled a lawsuit because of their failure to comply with the fair credit reporting act and again I am making a complaint prior to suing them again hoping that they will make a correction giving this credit reporting agency the benefit of the doubt. But unfortunately even after I sued them and won They still failed to comply with the FCRA using other countries to answer their calls and process the data for disputing and these countries are not familiar with the FCRA because when I questioned their representatives they are absolutely oblivious to the laws.
Product: Debt collection

I was contacted by a representative of XXXX XXXX XXXX about a debt from an account that had supposedly been opened with Wells Fargo in XXXXXXXX XXXX XXXX  The debt amount was {$4200.00}. I did not recognize this debt nor have I ever had an account through this bank. She gave me, my name, my social, my fathers name and my mothers previous address. They said they would like to settle it out of court. To which I responded no. I said that if this claim is legitimate then they should just sue me to collect. They tried to bargain for a lowered amount. To which I refused. I told them to just sue me if this claim is legitimate. And also that if this debt is nearly XXXX XXXX XXXX, I should have been notified of intent to collect long ago. She then told me that this would be reported to the major credit bureaus and could affect my accounts and result in possible garnished wages. I said great, thanks and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. In addition to this, XXXX XXXX reported that my credit limit was increased during that time period but that no hard inquiry was ever made. 
I request that you initiate a REINVESTIGATION into XXXX XXXX/XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your XXXX is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Product: Credit card or prepaid card

I contacted American Express on XX/XX/2020 to find out about the promotional offer toward my XXXX purchases. I was told there was no promotional offer. I referred to the American Express offer for the XXXX XXXX XXXX XXXX and I was told that it was declined for me because I had received too many promotions. It was further stated that a letter was mailed to me stating that I was not receiving the benefits. I never received a letter or an email as to the promotion being denied. Neither did the person I originally spoke with when I applied state that there would be no applicable promotion. 

I then asked about the second card, an American Express Cash Magnet Card and was told the benefits for that card were also declined. When I then spoke with a supervisor, he was very empathetic and said he will send my application for review and he was sure this would be corrected. 

I then made a second call to inquire about the APR and since that was one of the benefits, that too was declined. I then spoke with another supervisor and reiterated what the first supervisor stated and he said that was not a true statement, that nothing could be done, and none of the promotions including the APR did not apply to my application.
Product: Bank account or service

Charged overdraft fees due to BOA processing charges in largest to smallest order. Their own rules state drafts will come out first, then checks written. They took out the check then the draft.
Product: Credit card or prepaid card

Due to the incompetence and shady business practices of Goldman Sachs/Apple Card , I am having to file a second complaint. 

My original complaint ( XXXX ) was filed because there was an " inadvertent processing error '' by Goldman Sachs and my Apple Card was overpaid by {$480.00}. Goldman Sachs/Apple Card initially refused to refund my overpayment. When they did finally refund my overpayment, they charged me {$11.00} in interest that should have never been charged because, as is the case every month, my balance was paid in full. Additionally, I was informed that there would be a trailing interest charge because of their mismanagement of my account. 

Goldman Sachs refunded the {$11.00} interest that should have never been charged and informed me they would also automatically refund the trailing interest charge ( I specifically asked if I needed to initiate the refund and was told that I did not ). At the close of my last billing period, I was charged {$4.00}. The trailing interest was not automatically refunded, so I contacted Goldman Sachs/Apple Card on or about XXXX XXXX. It is now XXXX XXXX and the erroneously charged trailing interest has still not been refunded. 

There seems to be a pattern of shady business practices, that border on fraud, by Goldman Sachs/Apple Card . This is likely what doomed their push into consumer banking.
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. 

Account Name : XXXX XXXX BANK XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX XXXX 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 am filing a complaint against Cash App due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ) .Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

Filed dispute with convergent outsourcing on XX/XX/2020.requested verification under the FDCPA.the following verification requested were as follows : 1.proof that I either owned or were assigned this debt from the creditors. 
2.proof that you have the right to collect this debt in my state. 
3.proof that your company carries a bond. 
4.proof on how your company assessed the outstanding debt. 
5.payment history from the original creditor. 
6.name and address from the original creditor. 
7.copy of the contract bearing my authentic signature. 
35 days has past and I have not received any correspondence.
Product: Credit reporting or other personal consumer reports

EQUIFAX IS REPROTING INACCURATE INFORMATION ON MY CREDIT FILE AND REFUSE TO REMOVE THE VIOLATION OF THIS MATTER AS IT HAS BEEN ADDRESSED ON SEVERAL OCCASSIONS, THE ACCOUNT XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) IS REFLECTING A OPEN BALANCE ACCOUNT STATUS AND THE ACCOUNT HAS LONG BEEN SETTLED AND PAID OFF THIS INFORMATION SHOULD NOT BE REFLECTIN ON MY CREDIT REPORT AS A DEROGORTORY ACCOUNT AS IT IS NOT AN OPEN ACCOUNT. ALL OTHER CREDIT BUREUS HAS UPDATED THIS INFORMATION BY REMOVING THIS ITEM FROM MY REPORT BUT EQUIFAX HAS REFUSED TO REMOVE AS I WILL NOT CONTACT AN ATTORNEY AFTER SEVERAL ATTEMPTS TO HAVE THIS ITEM REMOVED WITHOUT SATISFACTION. Also Equifax, and XXXX IS FALSLY REPORTING XXXX XXXX XXXX, FILE # XXXX, AS OPEN STAUTS ACCOUNTS WITH BALANCES. I HAVE NEVER AUTHORIZED XXXX XXXX TO UTILZE MY PERSONAL INFORMATION FOR DEBT COLLECTION NOR DID I GIVE THEM AUTHORIZTION TO USE MY INFORMATION FOR THIS HARRASSING PURPOSE AS THEY REFUSE TO RELEASE THE AUTHORIZATION GIVEN THEM PERMISSION TO HARRASS AND UTILIZE MY INFORMATION FOR DEBT COLLECTION PURPOSES. WHICH I BELIEVE IS THE CAUSE OF MAJOR IDENTITY THEFT BECAUSE NO ONE GAVE XXXX THE RIGHT TO SELL PERSONAL INFORATION TO DEBT COLLECTION AGENICIES. ALSO XXXX IS REPORTING POTENTIALLY NEGATIVE INFORMATION ON MY CREDIT REPORT AS ALL ACCOUNT XXXX, XXXX XXXX ACCOUNTS ARE ALL IN GOOD STANDING AND REPORTING POTENTIALL NEGATIVE INFORMATION ON MY CREDIT REPORT WHICH IS INACCURATE INFORMATION VIOLATING MY CONSUMER PROTECTION RIGHTS.
Product: Credit card or prepaid card

I have had a Discover card for about 9 years now and just now became aware that I had been signed up for their Payment Protection Plan without my consent. They have been charging my account between $ XXXX {$30.00} each month and I had no idea about this. When I contacted them they cancelled the plan but told me they would only offer me a refund for the past 6 months, which amounted to {$200.00}. However, I know from my statements that they have been charging me for this for at least the past two years, and I am assuming for the entire time I have had my card without me knowing it. Judging by this, I believe they most likely owe me a much larger amount than only {$200.00}. I was told there was nothing they could do as far as a further refund goes, but I believe I am owed a full refund for the total amount they were charging me without my knowledge or consent.
Product: Debt collection

I pulled my credit report and there was an account from Ally which I never had I have made several attempts to get this resolved because i was a victim of identity theft but nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This account continues to be a mystery to me, please remove this entry and cease and desist all future collection efforts because this company failed to validate. I understand that I do not have any financial obligation to this company in relation to the statute of limitations of this debt because is expired. Please produce the contract used to verify this account because I have none with them and the information you have is inaccurate. I'm asking you to please DELETE this account from my file immediately! 


Original creditor : XXXX
Product: Checking or savings account

I submitted a dispute about my account to coamerica bank bank, the ssi.accout debit Mastercard used by the USA ssa.on XX/XX/2021 .about one XXXX dollar amount and XXXX dollars worth of miscellaneous charges made against my account. Made by a person who has stolen my phone from my house. I made a police report and provided all of the information and details to the dispute department within the allotted time frame. They reimbursed me the XXXX dollars for the charge to the phone company used by the thief to continue my phone service., but found not to reimburse any other items from my claim. I'm XXXX and I don't have any recourse. My income is very small and this has caused me a great loss. I have the Records and the womans name and information that took my money.i have access to video confirmation of the theft.yet none will do anything. I have several other things that I have had done to me concerning financial issues. Is there anyone who can help me.
Product: Payday loan

I got a loan through spotloan and paid them almost triple what I owned. I called and said how come my bill goes up every month even though I made payments to no answer was given. I told them I 'm done paying cause it 's not right to charge false fees and then found out it was illegal for them to operate in washington state and they still tried to collect and even sold my loan off. No after paying almost XXXX grand they want another XXXX for a XXXX dollar loan. This is extortion and flat of theft. I want them to leave me alone and realize the state of Washington does not recognize them as a legit buisness and per RCW law it is illegal to collect. I was honest and paid back what was owed but it was never enough for them. I 'm done trying to be bullied and harrased into paying more
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC Report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the police report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$840.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$920.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.