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

I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my account :
Product: Credit reporting or other personal consumer reports

The reinsertion of the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX into my credit report was executed in clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, your agency failed to notify me within five business days of the reinsertion, as required under 15 USC 1681i ( a ) ( 5 ) ( B ). Furthermore, there was no certification of accuracy provided prior to the reinsertion, violating 15 USC 1681i ( a ) ( 5 ) ( C ). These omissions reflect a failure to conduct a reasonable reinvestigation of the disputed information, as mandated by 15 USC 1681i ( a ). Additionally, the reinsertion appears to have occurred without verifying a permissible purpose, contravening 15 USC 1681b ( a ) ( 2 ). These actions collectively fail to uphold the requirement for maximum possible accuracy in reporting, as specified under 15 USC 1681e ( b ). Such noncompliance constitutes both willful and negligent violations of the FCRA under 15 USC 1681n and 1681o. I demand the immediate removal of these accounts from my credit report to rectify these violations. Should you fail to comply with the legal requirements outlined, I will have no alternative but to escalate this matter further, including seeking legal remedies to enforce my rights under the FCRA.
Product: Vehicle loan or lease

Dear XXXX XXXX I hope this message finds you well. I am reaching out to you as a last resort to seek urgent assistance with my auto loan, which is now 50 days delinquent. Due to unforeseen circumstances, I find myself in a dire financial situation and am struggling to keep up with my loan payments. I was laid off from my position at XXXX on XX/XX/year>, and despite my best efforts to find alternative work, including applying for grocery store jobs and attending job interviews, I have not yet secured a new role. 

To make matters worse, my unemployment benefits have not yet been approved, leaving me with only {$27.00} to my name. Ive had to use my pension to cover essential expenses like rent, utilities, and food for my children. Despite keeping Santander informed about my hardship and the challenges Im facing, I have only received threatening letters and text messages from your team, which are only adding to my stress and anxiety during this already difficult time. 

I am sincerely asking for your assistance to help me keep my vehicle, as I need it to attend job interviews and, once employed, commute to work. The current XXXX XXXX monthly payment is simply unaffordable given my situation, and I am requesting that the past three months be pushed to the end of the loan. Additionally, I would like to request a reduction in the interest rate, as I no longer have the income I had when I signed the loan agreement.

If a reduction in the payment isnt possible, I would be willing to consider trading in my vehicle for one with a lower monthly payment, as long as I am not required to put down additional money, which I simply can not afford at this time. 

I am committed to paying down the loan, and once I am approved for unemployment benefits, I will be able to make payments of {$50.00} to {$150.00} per week toward the balance. My primary goal is to keep my vehicle, support my children, and get back on my feet financially. I hope you will consider my request and assist me during this challenging time. 

Thank you for your time and consideration. I look forward to hearing from you and hope that we can work together to find a solution that allows me to keep my vehicle and continue working toward my financial recovery. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I have filed two disputes in XXXX and XX/XX/year> regarding XXXX  CC inaccurately reporting on my credit report additionally I provided supporting documentation showing XXXX  CC was not included in the bankruptcy. I spoke with XXXX and they closed the account because they received notification my XXXX  XXXX was XXXX but they were never involved. They opted to close the account.
Product: Debt collection

There are multiple numbers calling at all times of the day trying to collect on Navient student loans, calling on people whom they'll never get paid. Do they know that the job market is desolate for women with children, as employers don't want to hire women in their homes caring for children, as evidenced by a video interview on XXXX XXXX featuring a women who was discriminated against for children crying in the background. The job market has less jobs than people looking, and the job growth numbers are stagnant as per the XXXX XXXX XXXX XXXX. The many women who've stopped looking for jobs indicate job market deterioration per the XXXX XXXX XXXX. There are next to no daycare services, and schools are closed because of the Covid-19 plague. These companies like Navient know this, but they keep attempting to pursue collection activities knowing they won't collect. There are numerous complaints online on phone number verification sites such as XXXX about a " XXXX '' and others who keeps leaving messages from this company. One such number received on my cellular was XXXX. These collection activities couldn't be pursued at a worse time with unprecedented stress levels, and are inciting violence. These collectors must throttled to prevent more shootings, riots, and beheadings, acts which are occurring all over the world and a byproduct of economic collapse. I'm a student loan holder and graduate of XXXX XXXX XXXX, 2006, which was recently closed due to government fraud. I'd applied for a Borrower Defense due to their inability to provide me with the quality of education I'd paid for, and it seems per recent email communications to my email address, that failed. I'd also received a letter about a class-action lawsuit from the Department of Education, but I'm not updated on its current status. I'm also following XXXX in hopes student loan holders, and especially those victims of XXXX XXXX XXXX, will soon be released from economic responsibility for payments.
Product: Consumer Loan

I have a loan with this company that is violating Arkansas usury law by charging an interest rate that is above the cap. I will like to pay off my balance but at the legal interest rate. I have tried to contact them get the changes made. They refused to help.
Product: Credit reporting or other personal consumer reports

I have been unable to reach the creditor XXXX XXXX XXXX  for over a year, I have sent multiple emails and letters with tracking as attached with no reply. The vehicle was a voluntary repossession to XXXX XXXX XXXX which was paid off at auto auction ; however, XXXX XXXX XXXX will not reply and will not update my balance. I have also attempted to sue XXXX XXXX XXXX but we are unable to serve them through process. All I can assume is that XXXX XXXX XXXX went out of business. Attached are all of the attempts that we have made to resolve this so that my credit report is updated accurately.
Product: Checking or savings account

Checking account is reported as fraud. 
XXXX ref # XXXX date XX/XX/XXXX Check Account Abuse Wells Fargo ref # XXXX date XX/XX/XXXX Account Closed - Purged XXXX  acct # : XXXX date XX/XX/XXXXXXXX XXXX acct # : XXXX date XX/XX/XXXX XXXX Acct # : XXXX date XX/XX/XXXX XXXX Acct # : XXXX date XX/XX/XXXX Wells Fargo Acct # : XXXX date XX/XX/XXXX Wells Fargo Acct # XXXX date XX/XX/XXXX Account Closed - Not Reason XXXX XXXX  Acct # : XXXX date XX/XX/XXXX XXXX XXXX Acct # : XXXX date XX/XX/XXXX XXXX Acct # : XXXX date XX/XX/XXXXXXXX XXXX  Acct # : XXXX date XX/XX/XXXX XXXX Acct # : XXXX date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX Date of Inquiry : XX/XX/XXXX
Product: Debt collection

This collection agency is trying to collect a debt that isnt in our name plus charging 18 % interest, i did sent a proper letter to verify this debt if legitimate but this collection agency send me an email with a receipt qith a different name on the receipt
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c-2 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 after the date of receipt. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts list IMMEDIATELY! 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/22 I had my bank, XXXX XXXX, transfer to Robinhood XXXX {$1500.00} for the purpose of making some small investments. Repeated attempts to contact Robinhood via the website and logging in result in my being told to wait for an SMS message that will include a verification number needed to complete the log it. I NEVER receive this message. EVER!!!!!!!!!!! I try to call the company at the two listed telephone numbers and a recording on both numbers tell me I must log in thru the website.
Product: Checking or savings account

PNC has not responded to either of my previous complaints and has now locked my account completely without explanation.
Product: Payday loan, title loan, or personal loan

States that I owe a balance of {$800.00} and odd dollars.
Product: Credit reporting or other personal consumer reports

Request for Removal of Collection Accounts due to Violation of Consumer Laws Account Numbers : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX TRANSWORLD SYSTEM INC Account Number : XXXX TRANSWORLD SYSTEM INC Account Number : XXXX To Whom It May Concern, I am writing to dispute the above-referenced collection accounts that are currently reported on my credit file. Upon review of my credit report and the records pertaining to these accounts, I have found discrepancies and practices that I believe violate several consumer protection laws, specifically the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Under the FDCPA and FCRA, consumers have the right to dispute and demand the validation of debt information that they believe is inaccurately reported. Despite my efforts to resolve these discrepancies, I have either not received adequate validation of these debts or found that the practices used to collect or report these debts violate the aforementioned acts. 

In light of these violations, I am requesting the immediate removal of these collection accounts from my credit report. Failure to comply with this request and to provide evidence of your compliance with all relevant consumer protection laws will leave me no choice but to consider further actions. This may include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel to explore potential claims under the FDCPA and FCRA for any damages incurred.
Product: Debt collection

Company has resulted in keeping a debt not known to me, or a attempt at identity theft and will not remove the debt listed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a late payment in XX/XX/2020 for the first time since being an account holder. 

I have had a great payment history aside from one missed payment a couple days past the deadline in XXXX of 2020. It honestly had nothing to do with any financial hardship. The truth is it totally slipped my mind due to the incoming pandemic and having two elderly parents and my girlfriend is a front line health care worker. It was a very stressful time for all Americans as we didn't know what was coming. 

It is in no way a coincidence that my only missed payment was in XX/XX/2020 with a previous stellar payment history before and after. The creditor actually removed it from XX/XX/XXXXafter a dispute but has left it up on Experian and XX/XX/XXXX I just received another letter denying to take it down from other XX/XX/XXXXcredit bureaus. I wouldn't be surprised if they would rather place it back up on XX/XX/XXXX vs taking it down off the other two bureaus. I am really frustrated with the issues that I have had. I am not directing this at you personally but not ever being able to speak to anyone is beyond frustrating. 


I am willing to pay off the remainder of the lease or set my account to auto pay to have this removed. I have been nothing but a loyal customer and was planning on remaining so. Anything you can do to look into this matter would be greatly appreciated. I think loyalty should work both ways. I also think the worst pandemic in 100 years should hold some weight in this matter. 


I never asked for payment deferral or payment assistance. It was honestly just a complete oversight due to unforeseen stress and anxiety as it was for all Americans. Your time and consideration is sincerely appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act account XXXX has violated my rights.. 

15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT OF PRIVACY..

15 U.S.C 1681 SECTION 604 A SECTION 2 ITS ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 1 ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Non-Response from Documents supplied
Product: Credit card or prepaid card

USAA has been applying my credit card payments incorrectly and charging interest for every purchase made with the card, in violation of the Credit CARD Act of XXXX. In XX/XX/XXXX, I transferred several credit card balances to my USAA credit card account with a promotional 0 % APR until XX/XX/XXXX. After the balance transfer was complete, my payments to the credit card account have been above the minimum due and paid for all purchases made. When I reviewed my statements since the beginning of the year, it is clear to me that my payments are not being applied in accordance with the Credit Card Accountability Responsibility and Disclosure Act of XXXX section 104, which states : " Upon receipt of a payment from a cardholder, the card issuer shall apply amounts in excess of the minimum payment amount first to the card balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is exhausted. '' When I discussed my concern with USAA, the representative explained that only a portion of my payment went towards purchases and that the only way to not be charged interest for purchases would be to stop using the credit card. None of this was explained in the balance transfer agreement. The USAA representative also explained that there was no way to tell by looking at the statement how much my payment would have to be to not be charged interest for purchases. As an example to how my payments are being applied incorrectly : My statement dated XX/XX/XXXX shows that I was charged interest for {$250.00} for regular purchases. Also on this statement, I made {$380.00} in new purchases and payments totaled {$2200.00}. The next statement dated XX/XX/XXXX shows that I was charged interest for {$310.00} of regular purchases. My payments the previous month were {$2100.00} above the minimum payment due so there should be {$0.00} interest charged if my payments were allocated correctly.
Product: Debt collection

I am writing to formally dispute the willful noncompliance of your agency/company with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681n. This section outlines the civil liability for willful noncompliance with any requirement imposed under the FCRA with respect to any consumer.

According to 15 U.S. Code 1681n, any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer for : Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; Such amount of punitive damages as the court may allow ; and The costs of the action together with reasonable attorneys fees as determined by the court.

I believe that your agency/company has willfully failed to comply with the FCRA in the following ways : [ Describe the specific noncompliance issue, such as incorrect information on your credit report, failure to investigate a dispute, etc. ] [ Provide any evidence or documentation that supports your claim of willful noncompliance. ] I request that you immediately rectify this situation by [ specific action you want them to take, such as correcting the information on your credit report, conducting a proper investigation, etc. ]. Additionally, I request a written confirmation of the actions taken to address this issue. 

Failure to address this issue promptly will result in a formal complaint being filed with the appropriate regulatory authorities, including the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). Furthermore, I reserve the right to seek damages as outlined under 15 U.S. Code 1681n. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

On XX/XX/2021 I deposited an amount altogether of $ XXXX.The ATM malfunctioned with a long loading screen only accepting {$5700.00}, then the ATM tried giving my money back and jammed getting stuck in a counting motion.The money slot closed and ended my transactions with a screen being displayed telling me about a number I have to call for a claim.This is really hurtful I have bills and a family all I can do is breakdown and cry.I talked to a representative of Bank of America and was told this would be resolved within two business days.
Product: Checking or savings account

Each and every month I receive social security payments and my pension payments direct deposit with Wells Fargo Banks. Who has been having problem with funds being withdrawing from my Debit Visa Card that I didn't unauthorized each and every month from my checking account. My Wells Fargo Debit Visa Card has been replace three time as being fraud victim. Which doesn't make sense. Last month my Wells Fargo Debit XXXX XXXX XXXX XXXX replace with second Wells Fargo Debit XXXX XXXX XXXX XXXX. This second Wells Fargo Debit Card has been replace again as me being fraud victim again.
Product: Checking or savings account

Hello, I am requesting information as to why Navy Federal Credit Unions Zero Liability policy is being disregarded here. I have attached information regarding the failure of NFCU to provisionally credit my account during the investigation of two transactions during which both merchants are contractually obligated to provide me with refunds for services I could not use and did not receive. Please advise regarding next steps. 

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

Citizens Banks has incorrectly updated my credit report which has adversely impacted my credit scores and ratings in a negative way. In the comments section of the report Citizens Banks is reporting that the account was paid by the dealer. This is incorrect as I paid the account balance in full and have provided a letter to verify this.
Product: Checking or savings account

Late XX/XX/2023, I was attempting to sale my boat. I was working with a potential buyer and the buyer sent me a business check for the purchase of my boat. I called USAA and informed them that I was selling my boat and I had a check that was suspicious to me. I asked how to determine if this was a fraudulent check. The USAA representative told me the only way to determine if the check is fraudulent is to deposit the check and let USAA run the process. As long as I don't touch the funds, they would just pull the funds from my account if it was deemed fraud. 

A few days later, I called USAA back after having some suspicious correspondence with the buyer that made me assume that the check was fraud. I called USAA back, told them I assumed this was fraud and opened a fraud case with USAA to investigate. About 5 days later, I was notified that the check was fraudulent and they removed the funds from my account. The security person told me that if I deposited another fraudulent check, I would be removed as a member of USAA after 25 plus years. 

Now USAA has added a restriction on my account so I am no longer able to deposit checks above {$1000.00} dollars a day. Even though, in their own documentation, it strictly states that no negative actions will be taken against my account. Now USAA is telling me that due to the fraud check, my account has been tagged and will not be able to be reviewed for another six months.

USAA escalation managers, two of them, have told me its my responsibility to now that a check is fraudulent before depositing it into my account. So much for USAA protecting the consumer. Didn't realize I have to have a financial background to determine how a check is fraud or not. 

I do not have the ability to mobile deposit checks now. USAA is refusing to assist, even though I did everything by their guidance. USAA after 25 years of being a member is treating me like I am the criminal. This is complete, utter, disappointment in USAA. I expected better!