23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

It was a garanteed student loan for less then {$1500.00}. I paid for classes and books at XXXX XXXX ny but was not able to attend classes due to no daycare available in XX/XX/XXXX for my child. This has been on my report for over 30 plus years and I owe over {$30000.00} showing. I also have not received my taxes since XX/XX/XXXX due to nys higher education taking my taxes each year for this student loan. I want it off my credit.
Product: Mortgage

Redress Admin contacted me by US mail on XXXX/XXXX/16 XXXX : Paymap Inc, Consent Order XXXX File No. XXXX stating I had not cashed the check they had issued to me. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX It stated that if I wished to have a new check issued I should make this request before XXXX/XXXX/16. 
I called the phone # listed on the letter & was sent to a different organization. At some point a Supervisor named XXXX confirmed I was due a refund ( Claim # XXXX XXXX XXXX ). 
I submitted my request for a new check on XXXX/XXXX/16 to the email listed on the letter ( XXXXXXXXXXXX ). I received an email on XXXX/XXXX/16 thanking me for my email. I received another email on XXXX/XXXX/16 stating, " You should receive your new check in 4-6 weeks. '' I received another email on XXXX/XXXX/16 stating, " Just wanted to let you know, that yes your reissue request was received before XXXX/XXXX/16 ''. Then I waited. 
Since no check arrived, I sent an email inquiring as to the status of the check on XXXX/XXXX/16 to the same email address. To this email I received no response. 
I followed up this morning w/ phone calls & an email to XXXX XXXX & included a faxed copy of my issue to CFPB. 
In the last hour I received a response from the XXXX XXXX stating the email box was no longer being monitored. I called the phone number listed for XXXX XXXX & they stated since I had copied by fax the issue to CFPB this morning then they could n't discuss it further & that I should work thru CFPB for a resolution. 
I just called CFPB & discussed my issue w/ a Representative & was told that CFPB was helpless to my problem because it was the third party XXXX XXXX & not the original company. 
When I asked this CFPB Rep what I should do he suggested I continue make my request thru the XXXX. 
How do I get this company to issue me the refund check they have both acknowledged that they owe me & acknowledged that I have submitted my claim on time?
Product: Credit card

I had an offer on my Banking Online from Bank of America that was either a Cash Advance or Balance Transfer with a 3 % fee if I applied before XX/XX/XXXX. I have been monitoring the promotional offer on my app for more than two weeks ( just waiting to be ready to request it ). However, on XX/XX/XXXX, when I finally decided to go through the promotional offer, the interest rate was changed to 4 %. The due date for the offer was kept the same, XX/XX/XXXX. I called the Bank, and I explained to them my arguments about the fact that the Bank had advertised the offer as valid until XX/XX/XXXX. They recognized they have changed the rate recently. I requested to talk to a supervisor but that was not successful. I firmly believe this is a false advertisement because they provided misleading and untrue information. Not sure if it was intended to or not, but they didnt respect what they had advertised already.
Product: Credit reporting or other personal consumer reports

I noticed XXXX hard inquiries on my credit report that I do not recognize. The inquiries are from XXXX XXXX XXXX ( XX/XX/year> ) and XXXX ( XX/XX/year> ). I contacted these companies, and both confirmed they did not pull my credit. I believe these inquiries are incorrect or unauthorized, and I am requesting they be removed from my credit report.
Product: Debt collection

I have been requesting debt validation from chase bank for well over a year. every time i request this i receive a single piece of paper with a bunch of random numbers and all of my personal information, including my full social security number which is illegal to send in the mail, and one time i got a package with over 30 different peoples account information and transaction history. Not sending debt validation is in violation of FDCPA and sending other peoples information to someone is also illegal.
Product: Vehicle loan or lease

I have had constant email communications with this company. Out of frustration I called and agreed to auto payments. After that I would just shred bills because of auto pay. Never received a phone message and never received an email to let me know that I was still in default. 
Yesterday I received a letter stating that I was in default with little to explain the charges. I then sent several emails asking for clarification. 
Is it legal to charge {$42.00} for an outstanding balance of {$5.00} without disclosing this to me during my agreement to auto pay?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple time to send in disputes and call to dispute these accounts with no response. Please investigate and remove these inaccurate accounts from my credit report
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Please see attached documents. I am requesting debt validation-verifying the original creditor, which I am entitled to under 15 USC 1692g ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) 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 collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to finance an XXXX online on XX/XX/XXXX and the bank that XXXX uses, XXXX XXXX XXXX uses Equifax to check consumer credit reports for the applications. I was denied the application on XXXX occasions for the reason of, " APPLICATION INFORMATION DOES NOT MATCH CREDIT REPORT ''. I then called the Equifax customer service line to try and get help. I was told I had to use their online dispute service to correct the information. I filed XXXX dispute with pictures of the front and back of both my social security card and my driver 's license. The claim returned to me stating that the information in their system was showing correctly. I filed another dispute with just the pictures of my social security card hoping that it would be more clear, but the results returned the same. After these instances, I called the hotline again and was told to send photo copies of my social security card and driver 's license to their consumer information services to be corrected in their physical location and that it would be fixed within 5-7 business days. I mailed this information XXXX weeks ago and the information still has not been corrected.
Product: Credit card or prepaid card

I had an account with BBVA, it was bought by PNC Bank. I got a letter saying if I do nothing my account will be moved to the new bank. I did not want an account with this bank so I followed the steps to opt out of the transfer. Then I kept getting statements for the new account I did everything possible to stop from being created. I got a statement for the last three months and every month I call and they tell me they will close it. It should have never been created in the first place but its completely ridiculous they keep the account open after multiple attempts to close it.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Received A XXXX prepaid credit card in the amount of {$50.00} fro my sons Birthday less than 2 years ago with a n expiration date of XX/XX/23. At the time we had no use for it and kept it inside a safe along with other gifts. When we needed to use the card we were told that it had a XXXX  balance and in order to restore funds, we need to provide the receipt! We explained to them on multiple phone calls that we did not have a receipt since the card was given to us as a gift. The vendor has repeatedly said that they will not provide the funds till a receipt is provided. I have provided the vendor photos of the card and its original packaging as well as a copy of ID as proof.
Product: Student loan

I have been paying on my student loan ever since I was an XXXX. I then graduated and still confined to pay on my private loan. However, I have asked many times for a repayment plan lower then the one given, and also asked for a deferment, when the company was XXXX XXXX and also now as Navient. The loan on my case is not affordable for I have been communicated with them that I am going through a hardship, and also currently attending XXXX school. They still insist on calling and collecting their mineies when I have none to give or refuse to take off my co signer and help me with an affordable repayment plan.
Product: Money transfers

I transferred XXXX {$200.00} to XXXX on XXXX, XXXX, 2015 using xoom ref # ( XXXX ) The funds was picked up that day in XXXX and They sent me a text message and email message stating that my transaction was completed. Normally when I use their services the take the money out of my account within days if not right away. This time Xoom took one Month to widthdraw the funds by then I had insufficent funds in my account due to their negligence. I did the honest and right thing since my receipient had already got the money and I made arrangements to pay them right away and asked for my insufficient funds fee to be refunded to me since it was their fault. They asked me for proof and I sent proof to them that the money was paid out the moment I sent it alsocopies of my bank statements showing the Charge on their request. Now they have refused to reimburse me stating that they can do a 3 way call with me and the bank and ask my bank to waive the fee which is their administrative error. I respectfully ask you to look into this matter.
Product: Student loan

I was enrolled in an auto payment plan with Navient and they just stopped taking my payments out with out my knowledge and turned me into the credit bureau for non payments and I just found out. Now my credit score is too low to get assistance in refinancing. They also harass me by calling me at least 10 times a day.
Product: Credit reporting or other personal consumer reports

This dispute is in light of the Consumer Financial Protection Bureau lawsuits against Experian and XXXX for conducting sham investigations, which demostrate the necessity for through and good faith investigations into consumer disputes, therefore I expect Experian, Transunion and XXXX to adhere strictly to its legal obligationsand conduct a comprehensive review of disputed items. 

I am formally disputing the unauthorized and inaccurate reporting of information on my credit file. Under 15 U.S.C. 1681a ( 2 ) ( i ), a consumer report includes any communication of my creditworthiness, credit standing, or credit capacity used for eligibility purposes. However, it also states : Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, anyreport containing information solely as to transactions or experiences between the consumer and the person making the report ; Additionally, under 15 U.S.C. 6802, financial institutions are prohibited from disclosing nonpublic personal information to nonaffiliated third parties without first providing the consumer with an opportunity to opt out. I was never notified or given a chance to refuse the sharing of my financial information, which means the reporting of this data is a direct violation of this federal statute. 

Requested action : Provide written documentation proving that I was notified and given the right to opt out of my data being reported to credit bureaus, as required by 15 U.S.C. 6802. 

Verify that the reporting of this information was lawfully obtained and that I provided explicit consent for this data to be shared. 

If all and any information can not be provided verified, immediately update these disputed account as PAANL status ( Paid as agreed, never late ). 

Disputed Account Details : XXXX Name : XXXX XXXX Account Number : XXXX Creditor/Furnisher Name : XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX Name : XXXX  Account XXXX Creditor/Furnisher Name : XXXX XXXX XXXX Account XXXX
Product: Credit reporting or other personal consumer reports

My student loans were discharged from XXXX College in court. The court provided me with a paper and informed my student loans from XXXX XXXX XXXX of the discharge. My loan status now states discharged /paid in full. When attempting to correct my credit report from Experian credit agency, they refused my request stating that they investigated and found all the information that they have to be accurate, which it is not. They didn't even review my documents because if they had they would clearly see that the loans are discharged. I sent them the following paperwork that I'm sending you and can you please tell me how they can not see that these loans are discharged. Due to their actions I have now been disqualified from a mortgage application. Can you please help me?
Product: Debt collection

Called and left a VM asking if this was a good number to contact XXXX XXXX ( my wife ), said she had a case file in XXXX County, left number as well as a " case reference '' number. Refused to give me their address after 6 repeated attempts.
Product: Credit card or prepaid card

I applied for a Ally credit card XX/XX/2022 that advertised 12 months 0 % interest. I got an email saying I was approved but there were a delay in the cards being sent out. It's now XX/XX/XXXX over 5 weeks later and still no card. I called ally and they said there is a chip issue with no know fixed date. I asked about the interest free offer of 12 months and I was told that it starts the moment you are approved and that ally isn't going to adjust the offer just because I didn't receive my credit card.

This is false advertisement and marketing. I didn't receive the credit card I applied for and they rany credit twice plus they aren't fowlling their advertisement of 0 % apr for 12months. I read reviews on one of their XXXX advertisements in the comments section and they have done this to thousands of customers. We are all waiting for a credit card that we were approved for.
Product: Credit reporting or other personal consumer reports

- Name : XXXX XXXX XXXX - Address : XXXX XXXX XXXX, XXXX  XXXX, XXXX, MI XXXX - New address XXXX XXXX XXXX XXXX, XXXX MI XXXX - Phone : ( XXXX ) XXXX -New ( XXXX ) XXXX - Old - Email : XXXX Company Information : - Company Name : XXXX XXXX - Address : Complaint : I am submitting this complaint to request the immediate deletion of the XXXX XXXXXXXX collection account ( Reported : XX/XX/year> - {$2500.00} ) from my credit report. This account is inaccurate, and the constant harassment and threatening remarks from the creditor are causing me significant distress. 

I invoke the following consumer laws to support my request : 1. _Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq._ : This law requires that credit reporting agencies ( CRAs ) ensure the accuracy and completeness of the information reported. 
2. _15 U.S.C . 1681b_ : This law requires that CRAs verify the accuracy of disputed information and delete or correct it if it is found to be inaccurate. 
3. _Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692 et seq._ : This law prohibits debt collectors from engaging in harassing, oppressive, or abusive conduct, including making threats of garnishment or wage seizure.

4. _15 U.S.C . 1692e_ : This law prohibits debt collectors from making false or misleading representations, including reporting false information to CRAs.

5. _15 U.S.C . 1692f_ : This law prohibits debt collectors from engaging in unfair or unconscionable means to collect a debt.

6. _Consumer Financial Protection Bureau ( CFPB ) Regulations, 12 CFR Part 1022_ : This regulation requires CRAs to establish and implement reasonable procedures to ensure the accuracy and completeness of the information reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

inqiry from the following companies I did not authorize. I was not trying to purchase anything. 

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 the above inquiries were never authorized i was not purchasing anything and i reached out to all the companies and noone had any information or credit apps from me. 

i want these removed .asap
Product: Checking or savings account

I am a 20 year 100 % XXXX XXXX  Veteran, with a complaint about JP Morgan Chase Bank. An account for checking/savings was opened XX/XX/2019, to take care of my banking needs. There was a valid cashiers check from XXXX XXXX Bank for {$2700.00} deposited into my checking, as told shouldn't take more then 24 hours. 2 days later my account was closed without warning with no justification, and my check was to this day never released.Now all my Federal deposits never came through, bills have bounced for insufficient funds, because they closed my account.
Product: Credit card

Before I requested a change of address, Bese Buy Credit refused to provide me the old address already on file to confirm whether the address was indeed changed.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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  I looked at my TransUnion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.