23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I became unemployed XX/XX/XXXX. After the XXXX withdraw, I contacted Navient. Navient stated they did not receive all of my information. I resent it to them. They state and show I am supposed to have no payments due online when I log into my account. However they still withdraw from my account. They have had my unemployment information for 1-2 months now and it is visible in the documents section. It has been withdrawn on XXXX and the next is due XXXX in the amount of {$83.00}. The stated when I resent the information that the XXXX payment might still be taken. Payments appear to post to Navient about 2 days after it is withdrawn from my account. There is no way for me to disable the auto-pay either from the Navient site and there are charges though my bank. A similar instance occurred in XXXX and I had to call and demand a refund over multiple days and finally got it through a manager when they continued withdrawing anyway. My account was overdrawn then and has been this year.
Product: Checking or savings account

Hello yes my name is XXXX XXXX and I would like to report a lady thats been hacking me online and logged into my USAA bank account and she somehow added more than XXXX and took it out now it says I owe XXXX. Please help her name is XXXX. I had her ID but she hacked my photo gallery and deleted it herself .she used my social security number to create the USAA account.
Product: Debt collection

in my last complaint you sent me i requested specific documents to validate the debt and i received those documents Thank you for sending that. However, after going through the documentation that you have provided, you dont have any proof that I owe you anything and you have the authority to collect. So I refuse to pay.
Product: Vehicle loan or lease

I purchased a car in XXXX  with a loan from wells fargo. I heard there was a lawsuit against them. My car was repossessed and there were extra products put on the loan I did not request. I am not sure what is owed back to me.
Product: Checking or savings account

On XX/XX/year> my husband made an echeck deposit for {$4000.00}. We then got an alert saying this check would not be available until XXXX. According to RegCC and the standard check hold policy, {$220.00} should have been made available the next business day and the remaining balance up to {$5000.00} available the business day after. The reason provided was Reason to cause doubt if collectibility. This was odd because the check was not post dated or stale dated, we have never deposited a check that has been returned in The past or repeatedly overdrawn our account. In no way do we fit the criteria for being subject to the extended hold policy. I called to speak to someone about this, and after being on hold for XXXX minutes I finally spoke to a representative who repeatedly attempted to lie to me saying some checks just take longer to verify. First, that is a lie, second, regardless of verification I should not be subject to an extended hold. She would not let me speak to someone else. And she ultimately got off the call by transferring me to someone who could tell me why I was on extended hold that was ultimately an automated system for check verification. Bank of America can not arbitrarily place holds. And on what bases was this decision made?
Product: Credit reporting, credit repair services, or other personal consumer reports

I no have any account with bank of america
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes, particularly speaking about the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking was untraceable. The CFPB finding indicate that Zelle has not only neglected to protect their customers but has also allowed repeat offenders to exploit leaving users vulnerable to scams. This raises serious concers about client safety, the lack of accountability and transparency is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am a Victim of Fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX    XXXX   Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from   XXXX   XXXX   which was made on  XXXX  / XXXX /2016. I checked my credit report, which I acquired from  XXXX .   I have contacted   XXXX   XXXX  , who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation?   Thank you for your assistance in this matter, Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I faxed a dispute letter to Equifax regarding unauthorized inquiries reporting on my consumer/credit file and they have failed to respond to my letter. 
I also completed an Federal Trade Commission Identity Theft Report which was attached to my dispute letter. Equifax is violation several FCRA laws by continuing to report these fraudulently inquiries on my consumer/credit file. 

According to the FCRA, I have the right to an accurate consumer/credit report. 
According to the FCRA, your company is violating several of my consumer rights. See List Below. 
15 U.S.C 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

15 U.S.C 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

15 U.S.C 1681e Compliance Procedures ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

( e ) Procurement of Consumer Report for Resale ( 1 ) Disclosure. A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose under section 604 [ 1681b ] for which the report is furnished to the end-user of the report ( or information ). 

15 U.S.C 1681o - Civil liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. 

I demand these inquires be deleted immediately from my consumer/credit file as they were not authorized by me. 

1.Creditor XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX 2.Creditor XXXX XXXX XXXX XXXX Inquiry Date : XXXX 3.Creditor XXXX XXXX XXXX XXXX Inquiry Date : XXXX 4.Creditor XXXX XXXX XXXX XXXX Inquiry Date : XXXX 5.Creditor XXXX XXXX Inquiry Date XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday I pulled my credit report and I noticed I have accounts on my credit report that don't belong to me nor have I ever authorized. I notified my lawyer and she instructed me to file a complaint with the CFPB first. The following accounts are fraudulent and are not mine and need to be deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX 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, Also these inquiries are fraudulent and not mine and need to be deleted from my credit report. XXXX, XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also see several inaccuracies with my personal information. The only name that I have ever used is XXXX XXXX, my address has always been XXXX XXXX XXXX, XXXX, IN XXXX and I am XXXX XXXX. My only number is XXXX. None of the other information applies to me nor has it ever and needs to be corrected. Please correct it as well. Please help me.
Product: Credit card or prepaid card

used my XXXX  at atm n it took my card n shredded it. why would it take my card that I've used at other atms, Us bank atms, along with others, it has never did that, I wasn't even allowed to process anything. just took my card, n I'm very upset. this card CAN not be replaced right away. I have to order a card. now I have no access to my funds. WHY WOULD YOUR ATM DO THIS? IF IT DOES NOT RECOGNIZE A CARD WHY DONT THE MACHINES REJECT THE CARDS " NOT SHREAD ''. How is this even legal. Your ATM TOOK MY CARD AND CUT IT UP. WHY? BECAUSE IT COULDN'T READ IT?
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for the following accounts : 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 pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation.

As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o.

Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed on a XXXX refinance loan XX/XX/2023. 
However on or about XX/XX/2023 after signing and sending disclosure documents back to XXXX, I began getting an inordinate amount of calls, 7-10 per day for a week and in fact I am still getting them from Mortgage Companies wanting to know my interest in refinancing. 
Since I did not work with any other company than XXXX and my loan was a few days from closing, I wanted to where these Mortgage Companies got my name, phone number and other person al information. I was told that the credit companies XXXX used in processing my loan sent the my personal information to them. 
Sending out my information to companies I did not request should be unlawful. 
According to Credit Score Disclosure from XXXX XXXX, my information is sent to XXXX who intern released it to the Mortgage Companies. It is not a reach to think that someone is paying for the exchange of individual credit information. 
I object to my information being released without my knowing and permission which of course generated a huge number of robo calls from many different Mortgage Companies. It is an invasion of my privacy. 
The other aspect of this is that there was no benefit to me since my information was sent to these mortgage companies very late in the process with XXXX. 
Again my bottom line complaint is that these credit companies should not send out information to Mortgage Companies without approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

I seen this company on my credit report Portfolio Recovery Assoc and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay them. When I submit a dispute through your service asking for verification/validation I receive nothing but an update to my credit file saying verified but no proof or information on what was verified and how. According to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act this should be deleted from my credit report and collection activity ceased because it has not been verified and validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has put information back on my credit report from USAA, which is in accurate and falsely reflects that I had a late payment history with this company. I am attaching the supporting documentation I have already written an affidavit which stated that this was false reporting done by USAA. XXXX continues to report this false information which makes it fraudulent. 
I have attached copies of the billing which I requested from USAA. This clearly shows that I had no minimum payment due, and no late payments. The account was closed in XX/XX/XXXX. They continued to hold the account on an open status after I was told that it was closed and they terminated their banking relationship with me. This is where it created the so-called late payment however, how could I make a payment for something that I wasnt even aware it was due? This is truly deceptive. Note that the statement with a due date of XX/XX/XXXX says XXXX balance and payments of {$4800.00} that was the last payment made as of XX/XX/XXXX. XXXX is also reporting this false information. I enclosed a copy of my XXXX report, which does not correlate to the billing from USAA. This is false reporting. The XXXX report says the account was late from XX/XX/XXXX to XX/XX/XXXX, however that contradicts the billing furnished by USAA. It also contradicts the date closed reported by XXXX of XX/XX/XXXX, and below that it says XXXX of XX/XX/XXXX! Clearly this is false.
Product: Credit card or prepaid card

XX/XX/2019 Offer ( SEE ATTACHED ) : EARN A {$20.00} STATEMENT CREDIT AFTER YOU SPEND AT LEAST {$120.00} IN ELIGIBLE XXXX PURCHASES WITH YOUR CITI CARD. 

I completed this offer successfully, and Citibank CONFIRMED IT ( SEE ATTACHED ). Months later, I continued to ask customer support via chat when I will receive it, and they stated I WILL RECEIVE AN ADDITIONAL {$10.00} FOR THEIR REPEATED FAILURE TO PROVIDE ME THE {$20.00} AND THE MANY HOURS I HAVE SPENT ON THIS ISSUE.
Product: Credit card

On XXXX XXXX I spoke with capital one credit card and asked my account be credited for the difference in the new late charge law as of XXXX XXXX XXXXrom {$40.00} to {$8.00}. I had already called and spoke to cfpb and they confirmed new law on late fees and explained the 90 day it went into effect after going on federal register XXXX XXXX XXXX told me there is no law in effect and they are in litigation and would not be honoring refund funds at this time. I was charged {$40.00} for 3 months in XXXX, XXXX and XXXX which should be {$8.00} on card ending in XXXX and a {$29.00} late fee XX/XX/XXXX and {$40.00} XX/XX/XXXX card ending in XXXX, 2 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Equifax has updated the following account on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 and 611, XXXX, XXXX and Equifax have violated my consumer rights by not adhering to the law. Section 611 ( 5 ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accouuts, petitions, pleadings, and other papers. Contract law states that the only way to contest an affidavit is to respond another affidavit. According the black law dictionary an affidavit, a written or printed declaration or statement of facts, made voluntarily, and confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. XXXX, XXXX and Equifax failed to respond to my previous sworn statement of dispute affidavit with a another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ;. Furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collection. 

I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from my credit profile. 
Please immediately permanently delete the following the accounts from my credit profile under the FCRA Section 609, Section 605B, Section 611 and FCDPA Section 809. 

XXXX Account # XXXX Opened- XX/XX/XXXX {$4900.00} XXXX Account # XXXX Opened- XX/XX/XXXX {$610.00} XXXX XXXX XXXX  XXXX Opened- XX/XX/XXXX {$240.00} Account # XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX {$4600.00} XXXX Account # XXXX Opened XX/XX/XXXX {$200.00}
Product: Credit card or prepaid card

Credit card number : XXXX I opened Account in XX/XX/2019. 
A few weeks after I started receiving lots of advertisement through the post some of which had affiliation to American Express. 
On a particular week I have received so many unsolicited letters that mail I was waiting for weeks had been returned to sender due to insufficient space in my letterbox. It took me 3 weeks with a cost of at least {$60.00} in telephone bills to receive this letter. 

Sometime around XXXX XXXX I complained about these excessive advertisement letters. I was promised that these letters will stop. 

Unfortunately this didnt happen as I kept receiving these advert letter in XXXX The one in particular letter that struck me most since the complaint with Amex was a letter from a company advertising prepaid funeral arrangements. Having suffered a particular ill health and consequent complex XXXX I felt very upset and disappointed with the credit card company that allowed these adverts through letter box. My family was very concerned about my XXXX  health as a consequence of my recent XXXX and ongoing upsetting letters and I decided I needed to close the account as it was too much for me. So on XX/XX/XXXX I closed the account. Since the card charged {$250.00} in annual fees I asked for its refund as american express did not act on my instructions to remove me from all marketing correspondence when I opened the account and later when I complained about ongoing unsolicited letters. I therefore demand the company refund the fees associated with the card.