23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I called Experian to get my credit report on XX/XX/XXXX. And after receiving it, I noticed there were some hard inquiries that do not have permissible purpose according to 15 USC 1681b. 

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

I recently sent a dispute to this agency and their investigation stated that these accounts are accurate. I have provided proof to show an accuracy reporting also under 15 USC 1681 604 A section 2 states no consumer reporting agency shall furnish a account without book assumer written instructions I did not give this consumer reporting agency written instructions I am requesting that you show my written instructions on file to furnish these accounts XXXX XXXX XXXX  XXXX
Product: Debt collection

I was on XXXX and midland credit sent a police officer to my house while on XXXX with the XXXX XXXX for a XXXX account that was on autopay for some reason i got back it was mess
Product: Money transfer, virtual currency, or money service

My money order purchased on XX/XX/XXXX in the amount of {$270.00} for a bill due on XX/XX/XXXX was lost or stolen so it did not make it to the payee. Upon calling the automated customer service number, it seems that the money order has not been cashed therefore it can not be traced. The only option available is to request a refund which requires a {$15.00} non-refundable fee. As a XXXX  with a disability on a fixed income, the lost money order and {$15.00} fee have both posed a significant financial hardship on me at this time. The payee is one of my creditors, and is now requiring both XXXX and XXXX payments along with late fees all at once in order to bring the account current. This is a total of nearly {$600.00} which I can not afford due to my circumstances. I am now at risk of a negative reporting to my credit profile.
Product: Checking or savings account

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

PLEASE SEE SUPPORTING DOCUMENTATION PERTAINING TO THE XXXX DATA BREACH.
Product: Checking or savings account

My small business account was frozen by Citibank which decided ( arbitrarily ) that the business location I work from is a virtual location based on the address. The location I work from is a part of a shared office space, and has both physical offices as well as virtual offices. I use a physical office. 

Without notice, the account was frozen and I did not discover the freeze until I received a notice from an outside vendor of a rejected automatic payment. Upon contacting Citibank, the person in their branch was extremely helpful in trying to resolve this issue, as it was another department that had initiated this freeze.
Product: Checking or savings account

On or about Sunday, XX/XX/2018 I lost my wallet. It was left in a car that I rode in. I got my wallet back in my possession on or about XX/XX/2018. I notified my bank that I had some charges on my account that I do not recognize. Two from XXXX on my USAA account and one on my XXXX XXXX card. This total from XXXX on my USAA account was {$580.00}. USAA denied the claim and stated I made the transactions. I immediately filed a police report and sent it to them to reevaluate the claim. I called today, Thursday, XX/XX/2018 to get a update and I was told they are sticking with the decision and I am to be held liable for the changes.
Product: Student loan

I am currently in the Income Based Repayment Plan and have been for several years. At the start of XX/XX/XXXX, my loan was serviced through XXXX. I recertified my Income Based Repayment application and was approved for a reduced payment of {$460.00} ( rounded ) in XX/XX/XXXX. My loan was transfered to XXXX later in XX/XX/XXXX. The first couple of payments came out of my account at the regular amount. Suddenly, starting in XX/XX/XXXX they increased to {$630.00}. I called to ask why and was told that there was an issue with transferring the paperwork, but they would work on sorting it out. I was advised to continue to make my payment at the higher amount to avoid delinquency. Come XX/XX/XXXX, it was still not resolved and I called again before the payment came out to check into the issue. Was told again that there were issues with the transfer and they were working on it. When it was resolved, I could request a refund for the overage that was withdrawn. XX/XX/XXXX, my payment has now increased to {$690.00}. When I called again to get a resolution, I was told that my IBR was not transferred and that is what the XXXX   had calculated my payment to be. I had already submitted a recertification in an attempt to facilitate a more rapid resolution and my new adjusted payment as calculated by XXXX was still signficiantly lower than the now {$690.00} I am being asked to pay. I have been very patient and have attempted to work with them, however at this point I am incredibly frustrated. I have paid more than {$560.00} over my calculated payment amount. The last rep informed me that no refund is due to me and that this is just where I am. Also since moving from XXXX, XXXX has told me that my prior payments to XXXX are not included towards my PSLF even though I have paid through XXXX 's auto deduction program my monthly payment consistently ever since starting the program. I asked for XXXX to please review my request for a second review and was told it would take 90 days. 90 days exhausted mid XX/XX/XXXX and I have not heard any response from them at this point. ( The attached documents were what I submitted for the IBR in XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, my name is XXXX XXXX with SSN # : XXXX reaching out to request for you to look at my report and remove the inaccurate information that are damaging my credit. I have been sending you disputes but you never respond to it, I was advised that failure to respond is a violation of FCRA law. i hope you resolve this soon so i wont have to take this to the next level and take legal action against you. Thank you so much!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX on XX/XX/XXXX to discuss a late payment showing on my account from XX/XX/XXXX. I was informed that there was no information showing it was late. I requested the 30 day late to be removed by XXXX and Bureaus and it is still showing
Product: Credit card or prepaid card

I received a notice today in the mail from Bank of America saying my application for a XXXX XXXX XXXX XXXX XXXX XXXX was denied, however I never applied for one, I know this because I recently applied for a mortgage and I can't apply for anything right now
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 5 Hard inquiries from several different auto loan banks which I did not authorize or give permission to any of these institutions my personal information All on the same day XX/XX/2018. As a result my credit score has dropped 10 points 2 for each unauthorized inquiry making us pay additional fees and higher rates. I have contacted the credit bu-rues Equfax on many occasions only they refuse to verify information and continuously send consumers on wild goose chases by filling out this long process dispute form and then saying it was validated. This waste valuable time and money. none of these people even sound american they don't understand English and infuriate consumers how does this keep happening. It is election time and this year I will vote this drove me to go out and vote and I will continue to vote until Equfax is held accountable for it's biased practices. 
I did not request any auto loan I did not give permission to run my credit to anyone I filed a dispute to have items removed I contacted each bank and spoke with them and they have no records of any credit request from me but still wont remove the item unless I go through credit bu-rues Credit beurus keeps saying bank validated it so back and fourth we go. Mean while my credit score drops we don't get the interest rate we deserve.
Product: Mortgage

I been trying to make my XXXX and XXXX payment since XXXX XXXX and I cant get a hold of anyone lines are down, emails arent working. Im going crazy. I dont want to loose my house. I saw in news, social they have been down due to attack. Its XXXX that makes XXXX payments and I can not loose my house I have been trying to make the payments. Call every day, I cant log in, Im just going crazy.
Product: Money transfer, virtual currency, or money service

I am filing 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 fraud on their platform, leaving my account vulnerable and unprotected. Furthermore they dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant financial loss and inconvenience, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXXXXXX XXXX Account # 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a mortgage account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

On XX/XX/2020 I received two letters from Bank of America stating that the disputed amounts of {$290.00} and {$390.00} were temporarily credited to my credit card. Before that, I called the bank to notify them that I tried to enroll in a sort of Trading Course which was supposed to be a free trial for 30 days provided by XXXX XXXX XXXX, however, I have noticed charges I have not authorized and immediately tried to reach them by calling, email them and, even on their XXXX account but I have no luck neither they reached or replied back to me. Then, my account was closed, and suddenly I see the charges again, tried to get in touch with the bank but never was got in contact with the department or unit responsible for the dispute. Lately I check my credit report and noticed I was flagged as delinquent for 30 days of no payments.
Product: Credit card

I made a monthly payment on this account. The check was mailed 5 days prior to the due date. According to my bank the check was delivered in time. I received a letter on XX/XX/XXXX stating my payment was XXXX day late and a fee of {$30.00} was assessed. I immediately called them and was told the the fee was reduced to {$15.00}. I also wanted to talk with someone and was told that I was an XXXX and stupid by the customer service agent. I asked to speak to a manager and was told no. I hung up the phone. I then wrote a check for the balance of the debt to pay them off. That check was cashed XX/XX/XXXX. 

After that I received several other letter with advanced fees now totaling {$85.00}. How can a company add fees to an account that is paid in full. I sent them a letter outlining the payments on XX/XX/XXXX. I asked them to close my account as it is paid in full. Today I received another letter stating that they are not accepting my letter and charged me another fee!!
Product: Student loan

In sum : Mohela account marked " past due '' before the 2-3 business days passed for payment clearance confirmation. 

I enrolled for auto debit for my federal consolidation loan managed by Mohela. I received confirmation stating my first payment may have to be done manually. On Mohela 's website it stated that payments processed in 2-3 business days. 

My payment was due XX/XX/23. I checked XX/XX/23, 1-2 business days later, just to be safe. My account said it was past due. I paid it immediately. 

There was no way for me to verify if my auto debit payment completed before my account became past due.

How am I expected to verify if the auto debit was successful after 2-3 business days after due date if I am marked " past due '' immediately? 

I see many other consumers are having the same problem. I attempted to call and the office was closed. I filed an online complaint with Mohela. With some forum searching I see many users are facing call holds of 3+ hours.

Please address this ASAP. I do not want my loans serviced by Mohela. Their practices are completely unacceptable.
Product: Bank account or service

BOA should be investigated for their overdraft fees and collections practices. How is it legal to charge fees on items that were deducted from your balance prior to an actual overdraft? I had charges come out and deduct from my funds prior to a charge which resulted in an overdraft. fees were added to transactions prior to the overdrafted item. fees are added from an extended overdraft but how can you expect me to pay over {$400.00} when my overdraft was roughly XXXX? when speaking with customer service, the rep provided every answer possible without incriminating boa. I used to actually work at boa for 5 years and never had issues such as I do now that I am no longer employed with them. the fees charged is absolutely ridiculous. I get charged fees for transferring funds from my own accounts! did n't boa get sued for this before? How are they able to continue doing so? their business practices are the reason people HATE you.. the reason people try and get away from you! the reason I am ashamed to say I used to work for you! the last time I had this issue, just a few months ago I might add, I submitted an executive complaint, was assigned a rep to resolve, who frankly told me on the phone that not one fee should have been incurred. this was after I was told via a general customer service manager that if I wanted to avoid fees to stop over drafting my account. I am sure she is still employed by the way. I have had multiple fee refunds in 2015 because of bank of America errors. but mystically they are not coded as an error so when the next rep goes in to next time it happens, it shows waived as a courtesy.. WHAT?? what courtesy do you provide me? the courtesy of having the pleasure speaking with your rude customer service reps who you can tell hate their job? the only time I am treated with even an ounce of respect is when going through the chat option which is probably because it is in writing and not verbal. I would like a scrub of my account.. I want the fees to be returned. there were XXXX transactions that happened that actually overdrafted my account, in turn means XXXX {$35.00} fees, yet I have XXXX! I have fees on my savings from transferring to savings or simply having a savings.. I am done.. if this is not resolved permanently, I will most definitely be the next to sue. you take money from me with my direct deposit that should n't be yours! to have XXXX fees refunded is a slap in the face. I 'm am so tired of having to do this with boa every few months. please investigate bank of America. this needs to be stopped.
Product: Credit reporting or other personal consumer reports

In accordance with 15 USC 1681i 611 ( 8 ) ( b ) of The Fair Credit Reporting Act, Im requesting the following Statement of Dispute to be added to my consumer file for the following collection account. XXXX XXXX XXXX XXXX account # XXXX ] " Statement of Dispute '' On XX/XX/XXXX, a complaint was initiated with The Consumer Financial Protection Bureau for an alleged debt owed to XXXX XXXX. Documentation confirming ownership and the authority to collect was repeatedly requested, yet XXXX XXXX remain noncompliant. Because of their inability to prove that they own the debt and refusal to remove the account from my consumer file, legal action has been initiated against XXXX XXXX XXXX for noncompliance, Statue of Frauds and other additional violations committed under The Fair Debt Collections Practices Act.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report. The credit report showed credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 1681. 


Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 XX/XX/23 I have contacted XXXX XXXX Transuion XXXX XXXX via XXXX mail to dispute inquiries & fraudulent accounts on my credit report I have sent in proof of address proof of identity proof of XXXX also proof of FTC XXXX XXXX stating proving my claims XXXX Transuion XXXX XXXX failed to protect my consumer rights accordingly to section XXXX of the fair credit reporting act Now I have every right to file. Civil LAWSUITS AGAINST EACH XXXX XXXX attaching Proof of address proof of ssn Proof of police report
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I began an external transfer of funds from my personal checking account with Capital One in the amount of {$400.00}, to my personal checking account with XXXX XXXX. I was told the process would take up to 3 business days. By the end of the day Friday XX/XX/XXXX funds were still showing pending. I called XXXX XXXX and was advised the funds could potentially be in the account that Saturday XXXX XXXX by end of day they were not. Monday XX/XX/XXXX I checked my XXXX XXXX account at midnight, XXXX and XXXX and funds were still not available. I began an all day back and forth between reps at both banks, managers and investigation reps who attempted to cancel the transaction to no avail. The status still currently ( on the end of the 3rd business day ) shows pending {$400.00} transfer on XXXX XXXX banking website. Reps show no record of a pending transaction on their end so I filed a claim with Capital One. Claim was processed allegedly, I have no claim number. I was advised that it could take up to 10 business days to determine if I would be provided a temporary credit for an undisclosed amount, but the investigation can take up to 45 days. I live on my own, have incurred past due bills and payments due to these institutions and their ignorance and lack of urgency. I feel I should have been granted my {$400.00} worth or lost funds upfront instead of in limbo. Its wrong and not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accountss as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below : OCWEN LOAN XXXX