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

I have given Robinhood so many chances over the last 2 years. Their customer service staff especially XXXX is absolutely rude and awful human beings. They will arbitrarily put restrictions on your account and takes 7/10 days to get the restrictions lifted. There was no fraud on my account. XXXX placed a restriction on my cell phone from accessing the app he placed restrictions on withdrawing or depositing funds all because he didnt like that I was upset and in a rush to get help trying to stop a XXXX transaction I initiated to the wrong account by accident. He purposefully took his time, would not even speak on the call and eventually hung up and cost me XXXX by wasting time. His supervisor said if I had been transferred just a little earlier ( XXXX just sat on the phone doing literally nothing, not even speaking for almost 8 minutes ) I would have been able to retrieve my money. They play with your money. If you get a large sum deposited, restrictions, if you ask for help, restrictions.
Product: Checking or savings account

I would like to link my checking account to XXXX debit card, which is a debit card designed for children. PNC will not allow an electronic connection to be established. XXXX has a relationship and works perfectly with many other banks ( XXXX, XXXX XXXX, etc. ).
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset with XXXX XXXXXXXX XXXX XXXX, referencing my Home Equity Line of Credit with them. They reported a 30-day late payment for the month of XXXX, which was done in error. I was not late during the month of XXXX or XXXX. Also, in the times that I was late, XXXX XXXX XXXX XXXX had locked my online account back in XXXX, due to a fraud claim was done by my business consultant in error, which was rectified. But my account was never late prior to then. Therefore there is a 30-day late payment currently reporting on my TransUnion credit file, which should not be there. I have uploaded proof of payments that I have made and the current status of my account as of now. Please remove 30-day late payment from my credit file immediately. Also, change current status from 30-60 days late status to current.
Product: Student loan

The issues I have had with Navient date back years. When I was having issues paying my loans they put me first in a forebearance, telling me it was my only option, in XXXX 2015. When they set this up they had me pay XXXX dollars a month for 14 consecutive months to correct this issue. In XX/XX/XXXX I received a call saying they did n't allocate this correctly and I now owed an extra XXXX a month. While I am out of that program now they have made moving to pay as you earn or extension of my repayment time significantly harder than I think it should have been.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account numerous times already which resulted from alleged identity theft. Again, Im sending over identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. This particular account is undoubtedly placed as a charged-off account, why is there a balance indicating on the statement if its a charge-off? The balance is truly incorrect, if possible, replace it with 0 or eliminate the account certainly. 

XXXX XXXX Balance {$580.00}
Product: Credit card or prepaid card

The card that I have is a rewards card with an annual fee of {$89.00}. I have had the card for 7 years and 8 months. Over time, the rewards program on the card has become uncompetitive as compared to my other credit cards or products in the market. I wanted to downgrade my product to a no-fee option, with the same company, so that I can maintain my credit history whilst getting rid of the annual fee ( which no longer adds value ). I was told there was no downgrade option and if I wanted to stop paying the annual fee I would have to close my account. Essentially they are holding me XXXX! As you know if I close the account and open a new card, my credit score will be negatively impacted.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and there were inaccurate and incomplete information for several accounts. I have contacted and sent out dispute letters to Experian on XX/XX/2023. It's been well over 30 days since. I have not received a response from Experian whatsoever. I will attach the dispute letters I have sent to Experian.
Product: Debt collection

To : I.Q. Data International XXXX XXXX XXXX XXXX, WA XXXX Subject : Statute of Limitations passed, Dispute of Debt Pursuant to 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) To Whom It May Concern, I am writing to formally dispute the validity of the debt that your company claims I owe, as referenced in my most recent consumer credit reports obtained. [ Acct # XXXX ] First and foremost, I live in the state of North Carolina whereas the statute for limitations for collecting debt on an account is 3 years from the last activity on the account. The original creditor : XXXX XXXX opened this collection 4 years and 7 months ago XXXX XXXX & has no rights or statues to collect and nor do their assigned collectors. I demand for this reason and the others listed below that this I.Q Data International account with a balance of {$2800.00} be deleted from ALL of my consumer reports.

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically **12 CFR 1006.34 ( b ) ( 5 ) **, I am requesting that you provide detailed information regarding the debt you are attempting to collect. Under this provision, you are required to provide a clear description of the debt, including the amount and details necessary for me to verify its accuracy.

Additionally, per **12 CFR 1006.34 ( c ) ( 4 ) ( i ) **, I request that you provide a copy of the original contract or an itemized statement showing how the debt was incurred. This will allow me to confirm whether this debt is accurate, and to determine whether any errors have been made in your records.

Under **12 CFR 1006.34 ( d ) **, I am also requesting that you provide me with the name and address of the original creditor, if this debt was transferred or sold to you by another company. This information is crucial to ensure that any debt you claim is legitimate and properly documented. Im also requesting in addition to the debt being validated by the information requested ; Im requesting the PURCHASE AGREEMENT between the debt collector and the original creditor to verify accuracy & accordance.

Finally, in accordance with **15 USC 1681s-2 ( a ) ( 7 ) ( A ) ** of the Fair Credit Reporting Act ( FCRA ), you are required to notify me if negative information regarding this debt has been or will be reported to any credit reporting agencies. If this is the case, I request a prompt notification of any such reporting, as well as verification that the reporting is accurate.

Until I receive the requested documentation, I do not acknowledge this debt. If you are unable to provide the requested information within 30 days, I expect you to CEASE ALL COLLECTION efforts and REMOVE any adverse information related to this debt from my credit report.

Please consider this letter as my formal notice to dispute the validity of this debt and as a request for verification and validation of all relevant details. Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation. 

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

I have contacted EXPERIAN via phone and mail several times about the account mentioned in the attached letter below. EXPERIAN has received notarized affidavits from me and letters making them aware of the damages that their false and inaccurate reporting has caused me. Yet they continue to report these accounts. 

Under 15 US Code 1681b - Permissable purposes, they need my written consent before reporting anything on my credit report. My written consent was not given. This is aggravated identity theft. I have not been able to extend credit or qualify for loans because of this erroneous reporting ACCOUNT : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy a house and I realized that I had damage on my credit report according to the 15 U.S.C 1681 they should not be any damages on my report this is a defamation of my character. 

In XXXX I lost my job due to XXXX. per the CFPB website we were advise if you are having problems with paying your bills during COVID-19 to reach out to your Leanders or creditors and find out what options or programs were available. I reached out to every company. XXXX would not approve payment deferment on all my account. I had to try to borrow money to pay XXXX. If I was unable to make payment and company could not defer that account I received an 30 day late on my credit report. XXXX used a company system and it would only allow 1 or 2 account to be deferred at a time. 

Once I started receiving unemployment payments I was able to make payments on my accounts. I was not able to find a job until XX/XX/XXXX. 

The government advise all the creditors to forgiving late payments during COVID-19 XXXX and XXXX XXXX did not offer grievance during COVID-19 XXXX has damaged my credit with 6 accounts and several late payments. I had 8 accounts totaling over {$10000.00} and was never late until I lost my job, XXXX XXXX reported 1 late payment in XX/XX/XXXX. I have written letters and sent several emails asking to remove late payment. XXXX XXXX sent back a very nasty letter. I had this account since XXXX and never been late.
Product: Credit card or prepaid card

Barclay Bank is in violation of the Bankruptcy courts and violating the automatic stay. They were included in my discharged bankruptcy XXXX yet continue to report and contact me.
Product: Mortgage

My PENNYMAC LOAN Loan - XXXX. I an having a problem with paying this account. I sent in a partial payment for my XXXX monthly payment. Instead of them using it on my monthly payment the applied it to my princple. It is against the law to change someones payment. 
Penny Mac stated I can not make any partial payments. I have to pay in full or not pay at all. This was not a late payment. My account is two months ahead.
Product: Debt collection

My credit got affected multiples occasion about this debt that is not mine and in the past has been removed from my credit report because I was victim of identity theft. but every 6 month again without any information the collection appears in my credit report.
Product: Debt collection

My lawyer told me all my hospital bills were taken care of including this one when we settled with the other attorney when I was in a car accident. He said I had no more bills to be paid or be worried about. I dont know why after all theset years it 's still on there I have disputed it many times and other collection agencies pick it up but it has hurt my credit over time.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF XXXX XXXX  AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. 

CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3.

EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS.

AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED. 

I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 
XXXX XXXX XXXXXXXX - Account # XXXX XXXX. XXXX XXXX  Account # XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Checking or savings account

I was charged a overdraft fee of {$35.00} on XX/XX/20.
Product: Credit reporting, credit repair services, or other personal consumer reports

yes companies E open date XX/XX/XXXX 2,315 have wrote to XXXX  and disputed to XXXX as well no responds back they could not say that the debt belong to me after 4 months still shows as costumer disputes this information ... ... ... ..XXXXXXXX XXXX XXXX open date shows 2 diffirent dates not the write information XX/XX/XXXX on XXXX and closed on XXXX XXXX  XXXX XXXX XXXX open date is XX/XX/XXXX inaccurate dates and as well on experian XXXX XXXX XXXX open on XX/XX/XXXX showing closed condiction ... .. 

I would love to get my credit clean so i can start a fresh start and cant due to things like this holding me back trying to better my family and buy us a house all the information i listed upabove that the credit bureau is reporting most was deleted and put right back as thanks for all your help and hope to hear from you soon thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to make a complaint against XXXX, XXXX and experian I reached out to all the bureaus asking them to remove all the fraudulent information form my credit report and they have not responded to my efforts to resolve the issues
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX XXXXXXXX. Please investigate and provide proof with statements showing that these payments were late, if proof can not be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks
Product: Debt collection

They put on my credit report I owed XXXX I dont know these people I was never contacted it took me along time to build my credit score up and now they have damaged it I had a score of 763 but now with this it makes me so anrgy. On the XXXX site it also talks of other people that dont have these bills and they have reported to credit bureau. These people are trying to scam old people plus XXXX knows who else. something needs to be done.
Product: Money transfer, virtual currency, or money service

I have an account with XXXX XXXX app which transfers small daily withdrawals from my account to place in a savings, but PNC has implemented a new block process that prohibits XXXX  from making the daily withdrawals.
Product: Credit reporting or other personal consumer reports

after reviewing my credit report with the 3 credit reporting agencies I discovered that an fraudulent account was opened and used to obtain service, credit using my credentials without my consent I reached out to the companies individually I even filed a police report none of the details was acknowledged for months I havent heard back from the credit agencies or the companies this has affected in many difficult ways and I still havent received proper resolution Under 15 U.S.C 1681 s-2 Section A ( A ) Reporting information with actual knowledge of errors 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: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have tried to communicate effectively with the following credit reporting agencies Equifax, XXXX and XXXX but was unsuccessful during my attempts XX/XX/2020. XX/XX/2020, XX/XX/2020 and XX/XX/2020. The account listed as XXXX XXXX XXXX XXXX Credit Card is a fraudulent account that has appeared on my account monthly with an increased balance monthly as a closed/ charged off account. The credit agencies have all responded incorrectly.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never la
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I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Product: Debt collection

I received a call from Mr. XXXX from XXXX who immediately asked to verify my information ( ssn, DOB, and address ) without informing me who he was. When I asked who I was speaking with, he stated he was from Diversified Recovery. I continued to ask what the nature of his call was he immediately advised that I was refusing to answer his questions and continued to tell me that he was recording the call and it could be used to sue me because I refused to verify my information. He then hung up.
Product: Debt collection

Johnson Mark LLC on behalf of XXXX XXXX XXXX XXXX has filed a court civil suit against me on a debt that has not been validated. I am submitting this complaint against Johnson Mark LLC on behalf of XXXX XXXX XXXX XXXX for their attempt to collect a debt they are not legally authorized to collect. Their actions are in violation of federal laws, including the Fair Debt Collection Practices Act ( FDCPA ) and applicable Credit Reporting ( CR ) rules outlined under the Fair Credit Reporting Act ( FCRA ). Details of the Complaint : 1.Failure to Validate the Debt : This debt is required to be validated under the FDCPA ( 15 U.S.C.1692g ). the company has failed to provide proper validation, including proof that the debt is valid, that they own the debt or have the right to collect it, and a full accounting of the amount owed. 2. Debt Not Collectible Under CR Rules : Under federal law, debts sold to collection agencies may not be collectible unless the agency can legally demonstrate ownership and compliance with CR rules. Specifically : Credit Reporting Rules ( FCRA ) : Debts sold to collection agencies must include complete and accurate information about the debt, including its origin, the amount, and whether the statute of limitations has expired. Agencies must also notify credit bureaus if a debt is disputed. Debt Ownership : If the original creditor sold the debt, the collector must provide a clear chain of title proving their legal right to collect the debt. Johnson Mark LLC on behalf of XXXX XXXX XXXX XXXX has not provided this. 3. Violation of My Rights : The debt in question appears to be unverified, unenforceable, and under applicable state law Attempting to collect this debt without validation is a violation of my consumer rights under the FDCPA and FCRA.
Product: Credit card or prepaid card

PayPal closed my credit account with Synchrony Bank. I didn't reach the credit limit but I missed one payment on XX/XX/2023 due to a change of my checking account. I paid the missing payment of {$200.00} and the fee of {$48.00} 10 days later. I am not able to reach a PayPal representative on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,    2017  I submitted letters to Experian requesting that personal information that is NOT mine be removed from my credit report as well as inquires. I provided the police report, a copy of my social security card and drivers license as instructed.     Experian addressed just a few items of what I requested and stopped investigation on the other items.     This has made it very hard for lenders to help me to obtain a home using my VA home loan.
Product: Mortgage

I am having a very difficult time with SLS - Specialized Loan Services. Because of COVID in 2020 I lost my income. SLS placed me on a forbearance under the CARES ACT. In XXXX I applied for a loan modification and was declined in less than a week. I don't think SLS even reviewed me or placed me in underwriting. The decline letter states I was approved for a short sale which is proof they never looked at my file, I have equity. Also the decline letter states they were not able to verify a qualifying hardship. Is a national pandemic that has killed 300,000 Americans is not a qualifying hardship? Again proof they never reviewed my file.
Product: Money transfers

hi I tried to send money thru online money transfer service trans-fast remittance llc XXXX 
after loggin in and sending money I received a email after XXXX min saying that my transaction has been cancelled. I called them to ask ehy then the rep. told me that because I failed security check that why not only they cancelled my transaction but also blocked my account so I can not ever use trans-fast again. I talked to supervisor and they gave me the same answer that because I failed in security check. 
I am 100 % sure that information I gave them is real and accurate. then why I should fail a such test. 
I asked them to recheck and do manual verification but they did not entertained my queries.