23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 
I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. Since adequate notice was not given as per the above- mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ). Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors and unfair credit card practices. From your end, I have not benefited from this transaction which is again a violation of 15 USC 1602 ( p ). According to 15 USC 1602 ( p ), the term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. I hereby request you to do the below- mentioned things ; DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT XXXX XXXX XXXX XXXX  Account number XXXX Balance {$2200.00} XXXX XXXX XXXX  Account number XXXX Balance {$3400.00} Balance updated XX/XX/year> If you accept my request, I will not escalate this matter to Federal Court. In case you dont accept the above requests, legal action shall be taken against your Company for compensatory damages. Thank you for your attention to this matter. Sincerely, : XXXX XXXX. All Rights Reserved Without Prejudice UCC-1308
Product: Payday loan, title loan, or personal loan

My mother called lending club because they needed to verify some info before finalizing the loan. When a representative answered I asked her if there was someone who spoke  Spanish for mother. The representative said no and then I explained that my mother does n't speak English and if I could translate for her. The agent went on to explain that she only needed to ask some questions in English. I then proceeded to tell her how could a company have no one that speaks Spanish for non English speaking people. And that no where online or in the loan process says that English must be spoken for the loan. I went on to explain to her that the company was being Biased to my mother for not speaking English.
Product: Credit reporting or other personal consumer reports

Despite numerous written requests, the unverified accounts listed below persist on my credit report, constituting a violation of federal law. The XXXX Credit Bureau has failed to adhere to the Fair Credit Reporting Act, 15 U.S. Code 1681i, within the specified timeframe, and continues to report unverified information. Given all my efforts to address this matter directly with the creditor, this can now be construed as willful negligence and non-compliance with federal statutes. I demand the complete removal of the following accounts from my credit reports. Inaccurate XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MO XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX Accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX and XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific accounts in my document coming about because of the wrongdoing. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I opened an account with Citibank early XX/XX/2024 and deposited electronically {$100.00} after that I deposited 2 checks one for {$20.00} from XXXX and the {$1800.00} from the IRS for reimbursement from my school loans. After I deposited the checks I was approved for my new apartment and so I updated my address just the same as the other account so I have. The app told me I had to wait 21 days for the {$1800.00} IRS and 24 hours for the {$20.00}. 24 hours past and the {$20.00} wasnt available I gave it another 24 hours but when I tried to access the app I was asked verification questions which one was my account number. I hadnt received correspondence as of yet with the account number so I didnt know it and decided to call customer service. Then I was told my account was being closed due to a suspicious fraudulent check. I was completely puzzled and became upset because I wasnt being informed on why it was fraudulent. I asked to speak with a supervisor she was rude and advised she couldnt give me any information I had to wait on a letter in the mail. She wouldnt even tell me if the check was cashed. I in return took the check to my main bank XXXX XXXX and asked the teller to run the check to see if it was cashed. The teller advised the banks have a website that gives them direct access to IRS checks for validation she seen my check and who it was cashed by which was Citibank. In other words the check never had fraud risk! I received the letter finally later in XXXX which gave no reason only that I violated a policy. I called back still was not advised on why only that I had to wait 90 days to have the remaining funds mailed to me. Another 2 weeks past I called to get the reason and I was told it was due to my address and that I can go to a branch and verify my identity. I became upset and asked why wasnt I informed of this prior. Why when I talk to different reps I get different answers? Unfortunately Citibank doesnt have anymore branches in XXXX XXXX Texas . So I called back to see if it was another solution and I advised no I had wait for valid funds that belong to me. I called back today to check the status and was hung up on by XXXX in account solutions this experience has been horrible. I was depending on those funds to assist in my new move it has been struggle not having something you factored in your bills. Honestly the worst part for me has been this company and its customer service. For this being a long standing company the customer service sucks and its not all but most. I talked to more uncaring than caring at this company. Im highly disappointed and will never do business with anything associated with Citibank again ever in life.
Product: Vehicle loan or lease

I have been placed on XXXX XXXX XXXX from an accident at work ( workers comp ) .y employer then terminated my employment after filing... income has been slashed request a reduction in payment till I could get back on my feet... straight said nothing they could offer! Even with prove of workers comp etc... They had absolutely no willingness to help... I've been a customers for years in excellent standing and when I need them they are ghosting!!! this is part of what is wrong with America " Corporate Greed ''
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XX/XX/year> To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
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 that 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 ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : XXXX. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 


XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, _________________________________________ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$96.00} XXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> SYNVS/FD XXXX XXXX XXXX XXXX GA XXXX XXXX : Notice of Violation of the Fair Debt Collection Practices Act Dear SYNOVUS, I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p . If you are not aware this entire claim is regulated by an arbitration agreement with *insert original creditor*, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt.

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

With that, my demands are as follows : 1. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; 2. A settlement agreement that I may retain for my records.

3. Monetary compensation in the amount of {$1000.00}.

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I have a spark business credit card with capitalone and want to increase the credit limit to avoid to use personal credit card for business purpose. 

Since the limit is low, when use more than 10 % of credit limit will start decreasing the credit score. I have over {$150000.00} in credit limit on my personal credit cards. But I am not able to increase my credit limit with my spark business credit card. 

Please explain the reason provided : 1 ) Credit bureau information is missing or unavailable ( what is missing? ) 2 ) Recent use of this account 's existing credit line has been too low ( what is the correct use? ) 3 ) Your average monthly payment has been too low ( what is the correct amount? keep in mind I am using the balance transfer 18 months 0 % with 3 % fee, I have not interesting in pay the full balance in less the 18 months )
Product: Debt collection

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX and XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Student loan

Originally the loan was serviced through XXXX XXXX which then went to Navient. This company mislead myself and my co-signer ( parent ) to paying a monthly fee of {$25.00} dollars to " keep the interest down '' which it did not. The loan is now more than doubled the original amount taken out due to interest rates. This is clearly a predatory loan that preyed on young unknowledgeable persons attempting to be able to afford an education. Not only this but the payment options even when income driven were a ridiculous amount of over {$3000.00} per month
Product: Credit card or prepaid card

Bank of America Account number : XXXX Case number : XXXX I wrote to Bank of America about the ongoing dispute that I have with the company XXXX XXXX Florida XXXX. On XXXX XXXX XXXX, I negotiated a contract with this company for the gutters installation on my property. They gave me a quote of {$2300.00} to replace old gutters with 6-inch seamless gutters in white. On XX/XX/2022, the company installed the gutters while I was not home. I agreed to pay the balance of {$2300.00} after I came home and inspect the work. I came home after XXXX XXXX. I reached out to the representative XXXX by text at XXXX to offer to make payment. I was told that they can do a credit card payment only. They did not accept any other form of payment. He was also pressuring me to pay that day. He would not offer to return to pick up cash. My hands were tied so I gave him my credit card information. He said there would be a {$25.00} charge to bill on my card. I was very angry at this point. But he insisted that he got paid that instantly. 
After I got rid of him by providing my credit card information, I reviewed my charge online and I noticed he charged my card {$2500.00}. I was so upset, and I call and texted him back that night. I did not hear back until the next morning. He realized he did not charge me correctly and he offered to reimburse me for {$100.00}. I explained he overcharged me XXXX and asked for that amount to be credited to my account. He replied no, he will only give back {$100.00}. I then call my credit card company to report this bait-and-switch tactic that the company was using. Little did I know that Bank of America does not have the balls to stand up and fight for customers when it comes to these types of disputes. Bank of America has received my copy of the dispute, for the past three months but refuses to move to solve this problem. Instead, Im asked repeatedly to prove myself. I have called on multiple occasions to solve this problem with the credit card company and have not gotten anywhere. Im attaching the text messages that I had with the horrible company for review and the quote I received from them.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> @ XXXXXXXX XXXX I received a phishing/ scam email from what appears to be the XXXX XXXX, thats part of Best Buy internal computer repair department. The email further reads about the purchase coming from XXXX department store, very confusing as these are two different stores and have nothing to do with each other!! Cost reads {$320.00} for XXXX XXXXXXXX XXXX Ridiculous. Hopefully, your agency can do something or forward this to the appropriate agency for further investigation of fraud
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 postings of charges and credits. This issue aligns with the recent CFPB findings against navy federal for similar practices, where transactions settled within insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my amount transactions
Product: Credit reporting or other personal consumer reports

I asked this coming to send me how they verify the information they did not send me anything I sent certified letters to them asking them how did you verify it no answer nothing was changed I would like accounts removed immediately
Product: Checking or savings account

This is the matter in question : This is in reference to check number XXXX written on Chase online Bill pay for {$790.00} to XXXX XXXX XXXX XXXX on XX/XX/year>, ( PLEASE NOTE THE DATE ) by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, New Jersey XXXX XXXX XXXX XXXX XXXX never received this check, the check was never cashed by XXXX XXXX XXXX XXXX  nor was the check deposited into his account, also the check was never endorsed. However the check was deposited into a XXXX XXXX XXXX account, this was found out after contacting Chase Bank. 

Several claims were filed with Chase Bank XXXX XXXX XXXX was told after contacting Chase Bank they were waiting to hear from XXXX XXXX XXXXXXXX. As of today XXXX XXXX XXXX has not received a refund. Several contacts were made with Chase Bank since the original claims. XXXX XXXX XXXX was recently told the case was turned over to XXXX XXXX XXXXXXXX and they are waiting for a response. 

I would like to have a response in reference to this matter. 
Thank you
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. 



1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

5. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

10. The inquiry was not authorized XXXX  Date of inquiry : XXXX Please remove it from my credit report. 

11. XXXXXXXX XXXX XXXX  Account Number : XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT.

PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 4810-AM-P BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX. 2022 I requested a copy of my XXXX credit report ( report # XXXX ). After reviewing my credit report, XXXX XXXX is reporting a late payment. this account should not be reflecting negative in my report and should be removed according to the fair credit reporting act. 15 U.S.C. 1681s-2 ( A ) ( 1 ).