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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list o items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$1000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$180.00} Medical XXXX Balance : {$260.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 days after the date of receipt.
Product: Checking or savings account

To Whom It XXXX Concern, I am filing this complaint against Navy Federal Credit Union ( NFCU ) for their unauthorized handling of funds in my business checking account, unwarranted account holds, and lack of proper communication regarding their actions. Below are the details of the issue : Incident Overview Deposit and Initial Hold : On XX/XX/year>, I deposited {$90000.00} into my business checking account. 
Due to missing their XXXX XXXX cutoff time, the deposit was subject to a XXXX day hold, as informed by an NFCU clerk XXXX 
The funds became available on XX/XX/year>, as expected. 

Unwarranted Actions Taken by NFCU : I conducted several legitimate transactions, including transfers and bill payments, once the funds became available. 
On XX/XX/year>, I discovered that NFCU had placed an additional five-day hold on my account without prior notification. 

Unauthorized Transfers : NFCU transferred {$40000.00} from my account to pay off XXXX credit card accounts that NFCU had closed without notifying me. 
NFCU transferred {$18000.00} to my line of credit account, which had a balance of only {$1000.00}. I had already paid off this balance the day before the transfer. 

Clerks Concerning Comments : While speaking to an NFCU clerk, I was informed that someone had written a comment on my account stating it was likely my funds would not clear due to the history of my account. 
This remark was made despite my funds clearing and appears to reflect a discriminatory bias. I believe this is tied to my inability to make deposits since XXXX, and I find this unacceptable and suggestive of XXXX bias. 

Violations and Impact Lack of Notification : NFCU failed to provide prior notice of the account hold, account closures, and unauthorized fund transfers, violating transparency and customer notification standards. 
Unauthorized Transactions : NFCU transferred funds without my consent or authorization, leading to financial disruption. 
Discrimination : The comments made on my account appear racially biased, creating an unprofessional and hostile banking experience. 

Attachments XXXX slips for the {$90000.00} transaction. 
Screenshots of account statements showing the unauthorized transfers. 
Notification ( if any ) of the closed credit card accounts and other relevant correspondence. 

I request that the CFPB investigate these matters promptly and ensure that Navy Federal Credit Union adheres to fair and lawful banking practices. 



Thank you for your assistance. 

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

My data may have been compromised as part of the Equifax data breach. I did not find this out through any notification from the company, but from word of mouth and individuals posting a link through which I could check if I had been affected.
Product: Student loan

I have been one of the defrauded by Sallie Mae for their practices, e.g. forced to take private high-interest loans through Sallie Mae/Navient when I was unable to pay Sallie Mae/Navient, but I did not go to a for profit school. However, I need remedies too. 

As of today, per Sallie Mae/Navient, I have paid over XXXX on an original XXXX loan and they say I will not pay off the loan until XXXX. I have no idea how to get them to rectify the problem and I have called and emailed. They have no claims department and have no remedies. Please help/advise. They are the most horrible lenders I have ever dealt with and they forced me to take out the loan in the first place when I was experiencing economic hardships. 

Warm regards, XXXX XXXX
Product: Debt collection

Im unaware of this debt and did not receive proper notification. If you believe you have supplied me with the proper notification, please provide the Certified Mail Receipt with my signature. 

AMSHER COLLECTION SERV Account Number : XXXX Date Opened : XX/XX/2024 Balance : {$310.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis is reporting false inaccurate information to credit bureaus. My report indicates that I have a bankruptcy from 2019. I am requesting Lexis Nexis to validate this information and send me proof of the accurateness of my report. I also want to know who reported this bankruptcy to you. I have reached out to the courts and I was told they DO NOT report to credit bureaus or any other agency for that matter unless asked to do so. If it is not able to be validated it should be dropped as according to The Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Please remove this inaccurate and unverifiable information from my credit file. And please verify this information with the furnisher to be accurate.
Product: Credit card or prepaid card

Dear TransUnion, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer :
Product: Student loan

I set up autopay for my student loan weeks ago. I set it the autopay for the date the bill was due. My due date was two days ago and my autopay has yet to be debited from my bank account. I am now considered late. Late fees have been applied. This payment is now reflecting on my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the XXXX XXXX act XXXX # XXXX, has violated my rights. 15 u.s.c 1681 section 602 A. States I have the right to privacy. 15 u.s.c 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I have two XXXX store Cards opened on my Name that I have not authorized to be open.
Product: Mortgage

First, the servicer, RCS, filed a foreclosure action when they had no cause. They claimed I had not made all payments on time, but at trial, I was able to show this was not true. Second, they then claimed that I had not provided all loan modification documents in a timely way. This was a last minute claim, and the plaintiff produced documents at trial that they had not provided during discovery. Their own records, which they hid from me until rebuttal, show that I had not only provided all documents, but that they had used fabricated, outrageous and irrelevant reasons to turn down each of my loan modification requests. They knew this, and mislead the court into believing I had not met the terms of the loan mod. They lied in court. Third, during the actual loan modification process, they ignored modification requests they received as late as XX/XX/XXXX. Finally, their own records show that ( a ) I was current when I asked for a loan modification, ( b ) they dragged their feet on the loan modification for two years, until the arrearages totaled approximatly the Net Present Value of foreclosing on the property. I contend that they never had an intention of entertaining a loan modification. They offered the loan modification only to put me in a position where ( they thought ) I would have no choice but to vacate the property and let them sell it out from under me. Now, when they filed with the court for a sale date, I answered with a motion to review the case showing the plaintiff had lied in court ( please see attached documents ). The Plaintiff 's reply was to sell the loan to another servicer and walk away.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to request a security freeze on my consumer credit file and a certified copy of my complete consumer report, as permitted under the Fair Credit Reporting Act ( FCRA ). 

The primary purposes are to prevent unauthorized access to my credit information, protect against potential identity theft, and obtain a comprehensive review of my current credit status. 

I am specifically requesting a complete and certified consumer report that includes all comprehensive details maintained in my file. This should encompass a full overview of my credit accounts, detailed inquiry history, personal identification information, and any additional notations or remarks present in my records. 


Identifying Information : Full Legal Name : XXXX XXXX Current Address : XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  TX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Please send all documentation via certified mail to the address listed above. I request written confirmation within 3-5 business days. 

My goal is to exercise my legal rights and protect my personal financial information. 


Thank you for your prompt attention to these matters. 

Enclosed Verification Documents : Government-issued photo identification with current photograph Official proof of current residential address Additional supporting identification materials
Product: Credit reporting or other personal consumer reports

I am disputing the following negative items that continue to appear on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3300.00} These items remain unverified despite my repeated attempts to dispute them. I have submitted multiple requests, provided detailed information, and followed all proper procedures, yet no corrective action has been taken. This lack of resolution has caused me significant financial difficulty, and the stress from dealing with this issue has deeply affected my mental and physical health. It is unjust to leave these inaccuracies unaddressed while they negatively impact my life.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and transparent credit report. These unresolved items are a direct violation of my rights, and I request immediate attention to investigate and either verify or remove these negative entries from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nissan Motor acceptance has continuously reported inaccurate information as recent as this month for a auto loan that was paid by additional gap insurance i had on my auto. Nissan, has also reported the same account twice as derogatory. I have repeatedly requested the method of verification used to proof the balance owed & have not been provided with it. I have requested to have the items deleted from my credit report & they have not complied. First they reported In XX/XX/2017 that I owed over 13k and just this month they reported I owe {$580.00}. When I spoke with a Nissa rep they said they wasnt certain where the balance was from and couldnt verify it. 
Please have this item deleted from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was writing to inform you that there are still items are my credit report that are not mine. Please help me to get these items removed from my credit report .I have already contacted my local police and the FTC .
Product: Checking or savings account

I had my identity stolen in XX/XX/year>. As soon as I noticed money was withdrawn I called Bank of America and closed my account and opened a new account which they put in credit only status. I asked that they alert me when ANY activity happens in the account so I can approve it. They assured me they would do this. They did not and someone was able to go into a Bank of America ( in a different city than I live ) and cash checks. When the checks bounced Bank of America did a debit adjustment on my account totaling {$3500.00}. When because of this my account was in the negative when my direct deposit came in and I lost an additional {$1100.00} for a total of {$4700.00}. I filed a claim on XXXX XXXX. When I called Bank of America in XX/XX/XXXX to check on this claim for {$3500.00} I was told the claim was filed incorrectly and they refilled. I called back again in XXXX and was informed the claim was filed incorrectly for a second time. I refilled. Then I called back on XX/XX/XXXX and was told once again that someone had filed my claim incorrectly and I must refile. This was the XXXX claim I filed. I tried speaking to higher ups and was written off. I filed multiple complaints and never had follow up. I was informed XX/XX/XXXX that my claim had been resolved and no money would be credited to my account. No explanation. I am sick and tired of contacting the bank to no avail and my lawyer suggested I file a complaint with this company. I hope it yields I results I am owed. Thank you.
Product: Debt collection

RE : Account number CBCS - XXXX Dear CFPB, Please accept this letter as a formal complaint against XXXX Hospital and their 3rd party collection company, Called CBCS. Please know that I have attempted to straighten this out with XXXX Hospital and CBCS several times with no results. 

My complaint is as follows, In XXXX 2015, I made XXXX payments to XXXX Hospital as noted below. Proof of all payments is attached XXXX XXXX, 2015, made payment of XXXX. This electronic payment from my XXXX account was made too XXXX hospital, who transferred the money to CBCS. Payment was cashed on XXXX/XXXX/15 BUT NOT APPLIED TO MY ACCOUNT. 

XXXX XXXX, 2015, Payment of XXXX hard copy check # XXXX. This was cashed and applied to my CBCS account on XX/XX/2015 XXXX XXXX, 2015 Payment of XXXX hard copy check # XXXX, this was cashed and applied to my XXXX Account on XXXX/XXXX/15 XXXX XXXX, 2015, Electronic XXXX payment of XXXX was made to XXXX who transferred the money to CBCS. This payment was cashed and applied to my CBCS account on XXXX I have requested a statement from CBCS of my account and all transactions, they refuse to send it to me. 

I have filed a dispute with CBCS and their investigation deemed that they did post my payment to my account. However, my account balance is not showing that this was done. 

NOTE- This is the 2nd time in a year that XXXX and CBCS has lost my electronic H., XXXX payments. 

Please assist me in getting this matter resolved and my lost money found along with an apology from XXXX and CBCS. 

Respectfully XXXX XXXX
Product: Debt collection

On or about XX/XX/XXXX, I became aware of a civil lawsuit filed against me by the office of Gordon, Aylworth and Tami on behalf of XXXX XXXX for an alleged credit card debt that I owed. On XX/XX/XXXX I made the decision to file Chapter XXXX bankruptcy. On XX/XX/XXXX, I retained the law offices of XXXX as my bankruptcy attorney. On XX/XX/XXXX, I called Gordon, Aylworth and Tamis office at XXXX PST and spoke with XXXX . I informed her that I was filing bankruptcy and had retained XXXX and that any further communications with me would need to go through my attorney. Today, XX/XX/XXXX I came home from being out to find that the XXXX County Sheriffs department had left a card on my door advising they are attempting to serve me for the above civil case. This is a blantant disregard of my rights under the FDCPA as once they were notified I have an attorney, all communications should be through my attorney.
Product: Credit card or prepaid card

I booked a newly opened guest suite at XXXX de XXXX at standard rate on XXXX. No mention whatsoever that rate was non-refundable. See XXXX email reservation confirmation as well as XXXX email description of suite attached. 
I inquired on XXXX re : XXXX  cancellation policy in light of COVID19 pandemic. Response from XXXX that suite was non-refundable. 
I cancelled XXXX reservation on XXXX. 
Filed dispute with Citi-Mastercard on XXXX. Case XXXX. 
Received response from Citi denying claim on XXXX with response from XXXX indicating that a refund would be issued if COVID19 state of emergency and travel bans extended through our planned travel date of XXXX I submitted an appeal of Citi denial of claim on XXXX providing documentation Citi requested including confirmation of my cancellation of booking and XXXX statement to refund. 
I received an electronic letter dated XXXX from Citi stating ( incorrectly ) that I had not provided required documentation. 
I submitted another appeal to Citi on XXXX correctly stating that I had provided the required documentation. 
On XXXX, Citi sent me an electronic letter stating that they may be able to assist me if the merchant agreed to credit my account. I provided the documentation again which XXXX had submitted to Citi that a refund would be issued if travel bans were still in effect. 
On XXXX I again submitted documentation with specific citations and quotations from XXXX  re ; a refund. 
On XXXX Citi sent me an electronic letter stating that they are unable to require the merchant to issue credit. 

I have made every effort to be responsive to Citi 's requests of me in an attempt to correct the record that the hotel did not disclose that the booking was non-refundable and that the hotel in its own response to Citi stated that it would refund me in the event that the COVID19 state of emergency continued to cover our planned booking date at the end of XXXX. From the attached correspondence, I believe that Citi overlooked the documentation I provided on numerous occasions. In summary, a fair non-partial review of the materials would warrant a refund of my booking.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had called my bank XXXX XXXX XXXX XXXX XXXX about getting a loan to purchase a car. They emailed me a list of car dealerships that they deal with. They told me when I decide which dealership, I'm going with to make sure that I tell them to go under XXXX. On XX/XX/XXXX, I saw a car I like on XXXX XXXX in XXXX XXXX website, so I called and talk to someone about the car and told them that I want to go under my XXXX XXXX XXXX. I made sure I told them to go under XXXX. I gave them my information and they told me that they get back with me. Well, the next day I seen that they went through six finance companies without my permission and never went through my XXXX XXXX under XXXX. When I reach out to them about the problem the lady I talk to ( I believe her name was XXXX XXXX told me that my XXXX XXXX wasn't under CUDDLE it was under something else ( I can't remember the name she said ) that's probably why they didn't see it. I ask her if she could take them off my credit report and she said that they don't have the ability to do that for me to call the credit bureaus. I called the credit bureaus and explained to them and all 3 said that the car dealerships have to call and take them off my credit report. I called XXXX again and she said okay that she talk to someone about it. I haven't heard from them or seen anything taken off my credit report. When I called again, she told me they can't take it off I have to talk to the credit bureaus. I wrote a letter on XX/XX/XXXX, to all 3 credit bureaus and letting them know what happen and what I want taken off, but I never got a response. Can you please help me with this. 
This what I wrote to you like 2 months ago and you said you couldnt help because you couldnt find the company. I believe I gave the address and phone number to you. Hopefully you can help me with the credit bureau. I call couple of times and sent in a few letter to get the items off my hard inquiries. They saying ( XXXX and Equifax ) to call each financial company thats on my inquiry and get a letter saying that its not mines. I dont know why I have to go through this. Where is my rights at. Can you please help ATTACHMENTS
Product: Debt collection

True Accord has attempted to contact me through my wifes personal email address and they violated the TCPA by sending me unsolicited sms text messages about a debt from XXXX satellite service which I never incurred and is not listed on my credit report. I responded the to email requesting to dispute the debt but they replied that they will only continue if provide my mailing address for a dispute confirmation letter. I refuse to release my personal information and requested they email me confirmation. They never did. About a month had passed and they began to sms text message me again stating they will settle the debt and offer a partial write off. I dont have an unpaid debt to write off. I have never had a satellite subscription ever. If True Accord is a legitimate business, they need to be heavily audited and fined for violations.
Product: Debt collection

My name is XXXX XXXX. I am making this complaint of my own accord and do not consent to XXXX verification. In response to CAPITAL ONE BANK reporting inaccurate information to three of XXXX. I have contacted CAPITAL ONE BANK to produce proof pursuant to rule 1002, of an original contract. It has been more than 180 days. I never received full disclosure from any of the companies mentioned that my personal non public information would be used in this deceptive way. Pursuant to 15 USC 1692g I am to be provided with the correct validation by CAPITAL ONE BANK of a " debt '' the alleged is " owed ''. Given that I have contacted not only CAPITAL ONE BANK but XXXX, XXXX, and XXXX more than 180 days ago to dispute and have them correct their error, 15 USC 1692g ( b ) subsection ( a ) states that they should cease and desist all communications, verbal and written until the disputed " debt '' is validated.15 U.S. CODE 169f. Unfair practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) the collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the " debt '' or permitted by law.