23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

This complaint is regarding Global Credit Union. I had an Auto loan with XXXX XXXX XXXX XXXX XXXX XXXX. I sold this XXXX XX/XX/2023, to a customer of Global Credit Union. The customer took a loan with Global Credit Union, and there were XXXX checks cut that day. XXXX to me, for the amount above the balance on my loan with XXXX XXXX, and another to XXXX XXXX for the amount still owed on the vehicle. Global Credit Union employees XXXX XXXX and XXXX at the XXXX XXXX, declined to give me the check, and mailed it off directly. This is where they made the error, of not putting a tracking number on a check worth more than {$12000.00}. This check was lost, and Global Credit Union has botched this entire transaction, the communications regarding it, and every policy related to it. I still have not received, nor has my bank received the $ XXXX payment for the vehicle that has been sold and now owned by XXXX XXXX XXXX the customer of Global Credit Union . I have spent over 24 hours trying to resolve this, sacrificed an entire day of sleep ( I am nocturnal, in the XXXX  ), and have gotten nowhere. Both financial institutions have been charging interest and receiving payments on the same vehicle for over a month. This must be a crime. I am exhausted from telling this story over XXXX times and writing it out several times. I have attached my two emails to Global Credit Union in a XXXX XXXX. 

They still have my {$12000.00} and won't release it to myself or my institution. They are legally obligated to do so. Global Credit Union and their representatives XXXX XXXX, XXXX XXXX and XXXX- all at the XXXX XXXX of Global Credit Union should all not be allowed to conduct business in the financial sphere ever again.
Product: Student loan

I recently filed for bankruptcy. I was current with my Navient STudent Loans, paid XXXX off and was on auto pay. last month, Navient cut off my auto pay and disconnected me from using the webpage to log in and pay my bill. I noticed it was not paid, so was going to use the website and make sure I was still set up on auto pay. 
I called and a rep told me that she could not help me and I would get a notice in the mail due to my bankruptcy which was final XXXX XXXX. I called back a few days later, worried they were trying to stop my payments and garnish my spouse wages. I was able to make them reset up my payments that were not late and Due XXXX XXXX. Relieved, I was able to stop my anger and get on. 
Yesterday, I was called by a Navient collector and he said that the payment did not go thought because I was not late, Now I was late and had to pay late fees. Then I could go through the process of setting up on auto pay. 
I was cut of from my account, and make late with interest, all the while current on my student loans. They kept telling me that they could not find my account and my spouse was made primary on the loans even though were current. The bankruptcy did not disolve my loans, why was I harrassed, blocked from payments, and made to answer an recording about being in forbearance. I was forced to answer that I was in forberance in order to get back on auto pay. It is humiliating enough to have a college degree and no stable income. To be treated in this manor has caused me undue stress. 
I have other student loan providers, who did not do this to my when I was in bankruptcy. I need help getting back my interest that I had to pay. the collectors on the phone will not stop until I paid the late fees and was put in forberance. I also got a letter that I needed to update my email address, or some benefits would be stopped. I had unsubscribed to emails since I was on auto pay. I did not want monthly notices from them. They had my email address already. Nothing has changed. 
I never got a good job since going to college an never had the money to pay back loans, I work several jobs to make ends meet. Recently started my own business to get work.
Product: Checking or savings account

When I open the XXXX XXXX XXXX XXXX savings account in XXXX, they promised that they would give me 4 % interest on my money in my account. They have not done so. And now there is a lawsuit against them stating it never happened so I wan na know why Im not getting my 4 % because I feel I should close the account. Please help me get what is deserved to my account.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cashapp ( block , inc ) due to inadequate customer service and unfair practices, which violates the Customer Financial Protection Act ( CFPA ). Specifically cashapp failed to take timely and effective measures to prevent and address my fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, the dispute resolution 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 losses, and I speak appropriate redress, for these violations.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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/year>
Product: Debt collection

this has been going on for years and i recently just paid XXXX $ to see if comenity bank would leave me alone but now its worse
Product: Debt collection

This company Superlative RM is harassing me, my wife and daughter. We have no record of the debt they are trying to collect.
Product: Credit card or prepaid card

On XX/XX/2019 I received an alert from XXXX   about my credit. I have had a freeze on all my credit. I logged in to find a new PayPal account ( I only have 2 credit cards and I pay them in full every month ). I immediately opened a dispute with XXXX  and I called the bank associated with the new account ( Synchrony Bank ). They claimed they had just purchased a bunch of PayPal accounts from another bank and there were some mistakes. They asked me for my billing address, it did not match the billing address for the account. They also asked me for my email address and it did not match what was on the account they then transferred me to the fraud dept. They opened a fraud case but said it would take 60 days. yesterday I received a letter saying they denied the fraud case for the following reasons : Account opened for more than 1 year with verifiable payment history ( Not true I have never sent payment as I never knew this account was even open ) Customer benefited from use of card ( not true I never received a card ) Synchrony Bank then opened a new line of credit for the identity thief using my social security number. Which they claim is within their rights.
Product: Checking or savings account

On XX/XX/2022, An amount of {$280.00} was charged to my checking account by XXXX XXXX XXXX XXXX XXXX. I clarified that this transaction was unauthorized, but since I may have ( or the agent at Wells Fargo ) mistakenly stated that " I never received the items purchased '' now Wells Fargo will not recover the funds even after I clarified afterwards that the transaction was not authorized.
Product: Student loan

My private loans started with Sallie Mae and are now managed through Navient. At this present moment I am {$63000.00} in private student loan debt and my monthly payments are roughly {$480.00} per month. Ive spoke with several representatives whove misinformed me about co-signer release information. On XX/XX/2018 I spoke with XXXX, reference XXXX she informed me that after 12 on time monthly payments I would be eligible for the co-signer release program. This information was false, I spoke with representative XXXX, reference XXXX who informed me that borrowers who only pay interest on their private loans are not eligible for the co-signer release program. I have difficulty repaying my private loans due to issues with lowering my monthly payment. I am a single mother of XXXX children- the cost of living which includes rent, car note, daycare, not to mention groceries and clothing for my children make it very difficult and at times impossible to make on time payments of {$480.00} per month. It is unfair that Navient/Sallie Mae fail to educate college loan officers to counsel students appropriately when making the best financial decisions to pay for school, such proper counseling will also assist with lowering the students position of being in financial debt post graduation. I am constantly misinformed by Navient representatives. I am in dire need of assistance to lower my monthly private student loan payment so I can afford to care for my children.
Product: Credit card or prepaid card

I have received a statement of {$69.00} with a late fee. I have call make a payment of {$36.00} which I was told to do. Then received another statement later with 2 late fee. Call in talk to the supervisor pay off the balance and closed the account. Now received a statement with a late fee again.
Product: Credit card

I just opened a care credit card in XX/XX/year>, and charged {$3400.00} of the XXXX limit to help pay for my medical bills. Almost 2 months later I have in down to {$2900.00} because I pay weekly to make sure that I pay it off before my 18 month promotional no interest. Well.I just went to make another weekly payment and it says my account is closed!!!! Im irrational. Not only is this helping my credit, but its helping my medical bills too. Plus how to you close someones account without notifying them, and I just opened it, and I pay my balance down according. Synchrony one year ago did the same thing to two other accounts. Once again I was always paying them on time. This company needs to be sued or never offer anything again.
Product: Credit reporting or other personal consumer reports

As a consumer protected under the Fair Credit Reporting Act ( FCRA ), specifically under Section 15 USC 1681, to bring to your attention inaccuracies present in my credit report. Upon reviewing my credit report dated XX/XX/year>, I have identified several instances of inaccurate personal information that require immediate correction : Outdated and Inaccurate Information : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX, OH XXXX OAK XXXX XXXX XXXX XXXX XXXX, OH XXXX Additionally, the report includes outdated information such as old addresses, phone numbers, misspelled names and inaccurate personal information which is no longer relevant to my current financial standing. As per the FCRA, it is my right to ensure that the information contained within my credit report is accurate and up-to-date. Section 15 USC 1681 mandates that consumer reporting agencies, such as yours, maintain reasonable procedures to ensure maximum possible accuracy in the preparation of consumer reports.
Product: Credit reporting or other personal consumer reports

There is an account on my credit report that appears to be incorrect or unverified.
Product: Debt collection

Open XXXX XXXX 2023. Total balance XXXX. Debt collector company that paid and got and used my information without my knowledge.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I recently reviewed a copy of my credit report and noticed that there was fradulent accounts on my report. Please remove these accounts off my report, they are hindering my ability to obtain credit.
Product: Debt collection

XXXX bought a 3 year old debt from XXXX XXXX and reaged it as a new debt dated XXXX2017, I have disputed it but the credit bureau said it met the fcra regs.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you
Product: Debt collection

To : Credit acceptance CORP Account # XXXX Dear Credit acceptance CORP This letter is to formally dispute the debt you are attempting to collect from me and your subsequent inclusion of this disputed debt on my credit report. I am writing to you specifically concerning your actions in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), including : 12 C.F.R. 1006.34 ( b ) ( 5 ) : This regulation requires you to send a validation notice within XXXX days of initial communication concerning the alleged debt. I have not received such a notice. 
12 C.F.R. 1006.34 ( c ) ( 4 ) ( i ) ( ii ) : What you claim the debt is valid based on? However, I dispute this claim for the following reasons : Not my Account.

12 C.F.R. 1006.34 ( g ) and 15 U.S.C. 1681-1687 : By placing this disputed debt on my credit report before providing a proper validation notice and verifying its accuracy, you have violated both the FDCPA and the FCRA. Additionally, your claim that you have " no authority to furnish any account to a consumer report agency required by law '' is misleading and misrepresents your actions.

Therefore, I demand the following immediate actions : Cease all collection efforts related to this disputed debt.

Remove the debt from my credit report with credit bureau ( XXXX ). 
Provide written confirmation of both actions within XXXX days of receiving this letter. 
Please be aware that if you fail to comply with my demands, I will be forced to pursue further legal action against you, which may include reporting your violations to the Consumer Financial Protection Bureau ( CFPB ) and/or filing a lawsuit in civil court. 


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

I never asked XXXX, XXXX or Equifax to place a fraud alert or extended fraud alert. Im not sure why they are taking it upon themselves to put an alert on my credit file. I recently purchased a credit lock and unlock protection plan. There is no need for any type of fraud alerts or alerts to be added to my credit file. These alerts were added without my consent and I want them removed immediately. According to the Fair Credit Reporting Act, I have to request to have alerts added and I did request and alerts were added with my consent.
Product: Payday loan, title loan, or personal loan

I received a loan letter with a check for {$1500.00} from the Worth Finance Corp, for which I never requested the loan. The APR 96.85 % is so crazy asked to pay back {$2200.00} and monthly pay {$190.00} to them because of the {$75.00} acquisition fee and {$720.00} handling fee. 

A family member didn't find it was a loan letter and deposited the check to the bank. However, we do not require a loan, and we never need the loan from the company. We contact the company, and who request us to provide the ssn and personal information to create the account. We do not want to provide our private information to this unknown company and want to return the money they send to us.
Product: Credit reporting or other personal consumer reports

In accordance with the Fiar Credit Reporting act XXXX  account Account Name XXXX Account Number XXXX XXXX XXXX XXXX Account Name XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Name XXXX Account Number XXXX XXXX XXXX XXXX Account Name XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Name XXXX  Account Number XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX has violated my right 15 U.S, C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681section 604 A.section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX  XXXX ; XXXX  XXXX ; XXXX   XXXX ; XXXX XXXX ;
Product: Credit reporting or other personal consumer reports

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over XXXX  days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within XXXX  days, and if you don't, those items must be removed from my report. 

Since it's been more than XXXX  days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, XXXX have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, XXXX, and TransUnion data breaches, which makes me even more worried about how my personal information is being handled.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian continue to fail to delete the negative information " charge off '' from my credit report despite having documentation from the government supporting my claims.
Product: Debt collection

I have asked repeatedly for the company to validate this account. They verified it to the credit bureaus, However they will not provide their method of verification. They have not provided me with the documentation to prove to me that this is my debt and that they are entitled to collect if owed.
Product: Debt collection

Hello, my name is XXXX XXXX and I am a consumer whos rights has been violated. I hope to solve this issue that JP Morgan Chase has caused. This company has committed multiple violations under the Free Credit Reporting Act. 

I want to mention a couple : - Reporting incomplete information - Reporting false information - Failing to investigate account - Failing to mark account as disputed - Negligence - Unfair business practices The account information : Chase account # XXXX XXXX XXXX XXXX, opened XX/XX/2006. 

Please send to Chase the attached documents. 

Thank you, CFPB.
Product: Debt collection

ON XX/XX/2018 I SEND A LETTER TO Total VISA XXXXXXXX XXXX XXXX XXXX XXXX, SD XXXX CRET MAIL. 

AND ASK THIS COMPANY ABOUT ACCOUNT # XXXX I WAS TOLD BY A WOMEN NAME XXXX WE HAVE NO RECORD OF THIS ACCOUNT AND WE COULD NOT HELP YOU .. 

I ASK HER CAN U LEAD ME TO WHO HAVE THIS ACCOUNT SHE TOLD SHE DON'T KNOW. 

I CALLED BACK ANOTHER TIME SAME DAY AT XXXX EST TALK WITH A GUT NAME XXXX GAVE HIM THE INFORMATION PROVIDE ABOVE. HE STATED THERE IS NOT ACCOUNT WITH THIS INFORMATION OR UR NAME ... 

I ASK HIM DID U GET THE LETTER I SEND OUT ON XX/XX/2018 HE STATED YES LIKE THE OTHER AGENT. AND THEY BOTH SAID THERE NO RECORD OF THIS ACCOUNT AND THEY CANT HELP ME ... ... 



Email us at XXXX NOTE : We advise you not to send us or ask for sensitive information such as account numbers, password, account information, etc. via any general or public e-mail system. 
Postal Address : Total VISA XXXX. XXXX XXXX XXXX XXXX, SD XXXX For questions about your application or to pay your processing fee, please call ( XXXX ) XXXX. 
To check your account balance, make a payment, or for other general customer service inquiries, please call ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

on XXXX, i sent letters to the CRA 's about reporting inaccurate and incomplete information on my credit report that is not 100 % accurate and complete.per 15 usc 1681e ( b ) all information has to be 100 % accurate and complete before reporting to a consumer report. 
I am requesting deletion of the inaccurate information and send me an updated report within 15 days. 
I have the USPS CERTIFIED TRACKING for all XXXX as well : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX EQ : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX I HAVE ATTACHED COPIES OF LETTERS FOR YOUR REFERENCE ALSO THE XXXX XXXX ACCOUNTS HAS BEEN SENT TO COLLECTIONS SO IT CAN'T REPORT TWICE ON THE SAME ACCOUNT
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 XXXX. 

15 U.S.C XXXX section XXXX XX/XX/XXXX States I have the right to privacy. 

15 U.S.C XXXX Section XXXXXX/XX/XXXXSection XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXXXX/XX/XXXX XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

15 U.S.C. XXXXXX/XX/XXXXA 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: Credit card

I noticed I have been getting charged for Payment Safeguard service that I did not sign up for. This is not the first time I have had citibank charge me a fee like this. I cancelled last time. But I did not authorize it either time. I did n't notice at first b/c my accounts are on auto pay.
Product: Debt collection

On XX/XX/2017 I contacted Credit Systems Inc in regards to an alleged debt of XXXX approximately XXXX. In doing so individual discussed information from XXXX XXXX without reading the attempt to collect a debt disclosure. She provided me with email address to dispute. After our entire 3 minute and 52 second conversation she attempted to advise me of something in which I disconnected because I was furious that XXXX sent me collection without any prior attempt to advise me of a balance