23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

RC Wiley was offering a XXXX no interest during the XXXX Sale in 2024. The purchase I made didn't equal the required amount so I added on to the purchase totalling over the {$3000.00} minimum purchase. I WAS TOLD they were two different orders PURCHASED at the same time on the same day. I was told this did qualify for the promotion no interest promotion for XXXX. My first bill came in XXXX and I didn't notice the terms until the following month. I called and was told that they can not fix it now. This is misleading, unfair business practices. The only reason I added onto my order was to get the promotional terms I was promised.
Product: Vehicle loan or lease

I have a vehicle loan with SunTrust Bank XXXX Now Truist Bank ). I pay extra payments each month and I've noticed that they charge interest charges on every payment. This has been going on for some time now. I went to there branch on XXXX XXXX in XXXX, Ga last month to address the problem and to stop making additional payments by recurring payments and they still haven't corrected the problem. I called their main loan office today and they are still taking additional payments and charging interest, and they were not much help!
Product: Student loan

Hello, This is in regards to my Student Loans, Personal and Federal, being serviced by Navient. 
My student loans were due for repayment on XX/XX/2015 and I created a bank account to fund the repayment from an addition job I started just for repayment a year earlier. I have called in XX/XX/2015 and was told no payments were necessary and I could wait until XX/XX/XXXX. 
On XX/XX/2015 Navient successfully performed a " XXXX Dollar Debit '' to test drafting from the account. On XX/XX/2015 Navient informed me that they tried to draft from my account and the bank was unable to find my account. 
Between the XX/XX/XXXX to XX/XX/XXXX, there were multiple retries until I transferred the finds to another bank and submitted payment over the phone. However, by that time, the first payment grace period was over and all benefits such as a lower interest rate on some of my loans and Cash Back were removed from my account. I was promised that the rate would be lowered if I did not miss any payments for a year but nothing has been done to-date and I have never missed a payment, sometimes overpaying to reduce principal.
Product: Money transfer, virtual currency, or money service

On XX/XX/22 while at a XXXX XXXX making an XXXX return I was in need of another label in order to ship back my return. I was told to call XXXX Customer Service which I goggled and called the number that popped up EXCEPT THIS WASNT XXXX CUSTOMER ASSISTANCE. It was a SCAM company impersonating XXXX, which to this day is still on goggle if you XXXX XXXX Customer Service that will tell you they have a new process in which to refund you but you must download this app ( called XXXX  ) in which they took over my cell phone and went into my credit union account XXXX and performed 2 transactions ( {$440.00} and {$490.00} ). I immediately contacted USAA ( my credit union ) and reported the incident was told they would restore the money while they investigate which they did not do. After several weeks of delays and following up on the status, I was told they denied to refund me and concluded the investigation due to : Multiple USAA system security log/records. Per the denial letter I requested the documentation used to come to the decision and after weeks of waiting received the letter quoting the above statement instead of including the documentation used to deny refunding the monies stolen from my account. My biggest complaint is I know they refunded customers for this exact fraudulent act so why was I denied. I also reported this incident to XXXX ( yet the phone number still comes up in a search to defraud other people ), I reported the incident to XXXX and the FTC where I have a case registered as well as XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 U.S. CODE 6803-DISCLOSURE OF INSTITUTION PRIVACY POLICY, AND ACCORDING TO U.S. CODE 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. ( b ) OPT OUT ( 1 ) IN GENERAL A FINANCIAL INSTITUTION MAY NOT DISCLOSE NONPUBLIC PERSONAL INFORMATION TO A NONAFFILIATED THIRD PARTY ( XXXX, XXXX, AND XXXX. ) UNLESS- ( A ) SUCH FINANCIAL INSTITUTION CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, IN WRITING OR IN ELECTRONIC FORM OR OTHER FORM PERMITTED BY THE REGULATIONS PRESCRIBED UNDER SECTION 6804 OF THIS TITLE. ALSO ACCORDING TO THE " GRAMM-LEACH-BLILEY ACT '', FINANCIAL INSTITUTIONS MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION-SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT '' IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES. UNDER THE FDCPA, A COLLECTOR MUST PROVIDE YOU WITH INFORMATION ABOUT THE DEBT IN ITS INITIAL COMMUNICATION OR WITHIN FIVE DAYS AFTER THE INITIAL COMMUNICATION. ALSO, THE FDCPA STATES, " YOU CAN NOT ATTEMPT TO COLLECT AN DEBT WHILE A PERSON ( THE CONSUMER ) SUPRESS VALIDATION. XXXX, XXXX, XXXX, AND THE ACCOUNTS LISTED BELOW HAVE CLEARLY VIOLATED MY RIGHTS : XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX  ACCOUNT # XXXX, AND XXXX  ACCOUNT # XXXX. FAILURE TO RESPOND SATISFACTORILY WITH DELETIONS OF ALL THE ABOVE ACCOUNTS WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST, XXXX, XXXX, XXXX, WHICH I'LL BE SEEKING A {$1000.00} PER VIOLATION FOR DEFAMATION OF CHARACTER ( PER XXXX ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD. 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE-616 CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has negative information and out dated information severely impacting my credit report. This is TERRIBLE
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 XXXX : Date Opened : XX/XX/year> Account Name : XXXX XXXX XXXX : Date Opened : XX/XX/year> Account Name : XXXX : Date Opened : XX/XX/year> Account Name : XXXX XXXX XXXX : Date Opened : XX/XX/year> 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 or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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. 

XXXX XXXX Account XXXX # 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 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 or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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 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 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

I sent a my Complaints # XXXX, XXXX, XXXX on XX/XX/XXXX but I discovered that you have closed my complaint on the same day. I am resubmitting my complaint to you to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any item not later than 4 business days. Here is the list of erroneous items found on my credit report : XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$220.00} ; XXXX  XXXX Balance : {$110.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$710.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXXXXXX Balance : {$770.00} ; XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit reporting or other personal consumer reports

My Credit card was declined due to being hacked during my travel to visit XXXX XXXX 
I reported it same day in XXXX XXXX, to the Credit Card Company ; while out of XXXX and traveling and also when I returned home. 
The merchant excessively overcharged my Credit Card.. I was far away from the Merchant in another country to return the Items & get a credit from the merchant. 
I believe they were a group of retailers-Hackers planning such scenarios for most Tourists shopping with Credit cards. 
I called the same day, and reported the fraud to the Credit Card Company. 
Retailers aboard Converted the purchase ridiculously to higher amount ( Their Currency ), and told me otherwise. 
I reported & called numerous times about he Fraud since XXXX. 
The Credit Card Company is charging me Late Fees, Finance charge Since XXXX. 
They keep repeating that they will follow up and will return my Calls? after Calling them several times a month since XXXX. 
They assured me that they will resolve the issue through Fraud Dept. 
My Credit Score Declined through their Negligence from XXXX to XXXX, since the Situation.

They are ignoring all my requests to resolve the issue & Settlement.

Credit Card Company issued XXXX cards to me in XXXX & XXXX. 
They are not cooperating to resolve the matter as of today. 
They have Wrong Name on XXXX of my Cards as well. 
Both Accounts are closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am XXXX XXXX submitting documentation in regards to my complaint with XXXX. Attatched is my ID and Social security card to show proof, below is my original complaint. I originally had a dispute with XXXX  & XXXX. I've been a victim of Identity Theft, currently this situation is making it extremely hard for me to obtain credit and qualify for a mortgage.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their 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 inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

On XX/XX/year>, Chase sent me a letter in the mail about my application for a new " CHASE FREEDOM FLEX World Elite credit card '' I only just received this letter as it was at my in-laws ' house. 

The letter asked for follow-up information to complete my application. If they did not receive the information within 14 days, the application would " no longer be considered. '' I did not send any information, so I assume the card was not opened successfully.
Product: Student loan

I file with board of education and they never return my calls or even a letter I file dismiss due to misleading advertising sticking me with a loan and never formally forfill the contract that was agree to when I started the school I never work as a medical assistant because they never job replace which was part of the contract they lie about the contract
Product: Student loan

I am writing to formally lodge a complaint against Nelnet, my student loan servicer, due to significant administrative inefficiencies that have directly impacted my financial situation and contradicted the core objectives of the XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX. My intention is to seek an immediate review and resolution of the accrued interest charges that have unjustly inflated my loan balance, a situation that stands in stark contrast to the promises made by the XXXX XXXX. 

As a participant in the XXXXXXXX XXXX designed to provide manageable loan payments and protect low to middle-income families from accruing interest, I have instead faced months-long delays in the recertification process of my Income-Driven Repayment ( IDR ) plan, managed by Nelnet. This delay has led to the accrual of significant interest, effectively negating the protections the XXXX XXXX is supposed to offer and increasing my loan balance beyond what is just or reasonable. 

The protracted processing time and the subsequent financial burden placed upon me by Nelnet is not only unprofessional but deeply unjust, penalizing me for inefficiencies within their system. Despite multiple attempts to address this issue directly with Nelnet, I have been met with inadequate responses and a lack of meaningful resolution. 

The accumulation of interest during this period of administrative forbearance, for which I was held responsible, directly contradicts the intent of the XXXX XXXX to prevent such financial penalties for borrowers. It is my understanding that these practices not only affect me but also potentially impact many other borrowers, undermining trust in the federal student loan system and the Department of Education 's commitment to providing equitable student aid. 

I respectfully request a thorough investigation into my case, a waiver of the accrued interest resulting from Nelnet 's delays, and a comprehensive review of Nelnet 's administrative processes to prevent future occurrences of this issue. It is imperative that the Department of Education take immediate action to rectify this situation and ensure that the XXXX XXXX serves its intended purpose of supporting educational advancement without imposing undue financial strain on borrowers. 

Thank you for your attention to this urgent matter. I am prepared to provide any further information or documentation as required and look forward to a prompt and favorable resolution.
Product: Consumer Loan

In XXXX XXXX I got an auto loan through Santander Consumer. In XXXX XXXX I traded my car in for a newer vehicle and went to a different lender that paid off the loan I had with Santander consumer USA. Throughout my two year loan with Santander I had no issues and my payments were paid on time through my online bill pay every month. On XXXX XXXX XXXX I went to make a payment to my current leader through my bank website like I have done in the past, however I inadvertently sent a XXXX check to Santander ( who I still had listed in my bill pay ). On XXXX XXXX I realized that I sent my check to the wrong lender and called my bank to stop payment. My bank told me they could not do anything because it was direct funds and was already cashed so I would need to call Santander Consumer USA and have them send the check back. On the same day I did called Santander and was told by a representative that there will be a 15 day hold on the check before they refund the payment. I advised the representative that it was not a live check but a direct funds transfer from my bill pay so there is no need to hold the check and my account with Santander was closed and at XXXX balance due for over a year. She said that is their policy, I asked to talk to a supervisor and she said that they are not available but will have XXXX call me back. Later that day I went to my bank and talked to a banker and they called Santander to explain that the check was cleared from my bank account. My bank also faxed to them the receipt from my bank account. Santander said it will take up to 2 business days to upload to their system to review. My banker called Santander back two days later and was told they need my bank statement printed out. My banker sent Santander my tracking confirmation from my banks fraud department and was told again that it will take two business days to review. Two days later my banker called Santander and was told they can not talk to her about the account but any refunds will take up to XXXX45 days. At this time I was getting frustrated and called Santander myself, I spoke to a supervisor from their headquarters that transferred me back to their call center. I started recording my calls and as soon as I told them they were being recorded they told me they can not talk to me and hung up. I have sent Santander the receipt of payment that shows the funds that were sent from my account. I do not think they need my entire bank statement that has not even been sent out to me yet. Santander is keeping my XXXX and accruing interest in their account, XXXX of which should be in my account. They have not made any further attempt to contact me in regards to this " overpayment '' even though they have all my information from my closed account with them to do so. Overall, dealing with them has been frustrating as I have been given many conflicting statements from different call center representatives.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. Code 5536 ( a ) ( 1 ) ( A ) - ( B ). I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX is a consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' BULL CITY FINANCIAL is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' BULL CITY FINANCIAL the financial institution and the Consumer reporting agency XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, BULL CITY FINANCIAL whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.