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

On XX/XX/XXXX I was denied credit to purchase a vehicle by USAA Bank. 15 usc 1691 says I can't be denied credit due to a credit report, credit score, credit history, or income. Withholding my access to my securities is securities fraud. This violates the equal credit protection act 12 CFR 1002.4. A creditor can't discriminate or deny you credit. USAA have an F rating in dealing with melanated ppl in the past. They also have a failing grade from a Bank Regulator over evidence of discriminatory or other illegal credit practices XXXX  In 2022 USAA was fined {$140.00} XXXX dollars by the Office of Comptroller of currency OCC and financial crimes enforcement network FinCen. For failing to comply with bank secrecy anti money laundering. They keep all nine digits of my ssn on file. Violating Title 31 money and finance Treasury must collect all 9 digits of the ssn - purpose related to cyber security laws. 15 usc 1691 and 12 CFR 1002 says an adverse action in
Product: Credit card or prepaid card

On XX/XX/XXXX I was offered the possibility of listings if I complete Broker Price Opinions for a company by the name of XXXX XXXX XXXX otherwise known as XXXX XXXX, XXXX. They requested {$340.00} up front. I signed up and then they assigned me two properties that were not bonafide properties. I was able to verify this and requested cancellation within 10 days of signing up. They agreed to refund my {$340.00} via email. A charge showed up on my credit card statement and I opened a dispute with Chase the day of receiving the statement. I then provided proof that this is a fraudulent company to Chase via fax ( XX/XX/XXXX ) and sent them a copy of the email. I even sent Chase screenshots of their online reputation as scammers. All you have to do is google : XXXX XXXX XXXX. Chase refuses to issue me a credit and is charging me interest. The Chase representative that has called me refuses to let me speak to a superior.
Product: Credit card or prepaid card

I urgently request you to promptly update my account to accurately reflect my payment history.
Product: Credit reporting or other personal consumer reports

My personal information has been exposed during recent data breaches, I have included the FTC report for the information that needs to be removed from my credit report. My right to privacy has been violated. The FCRA, 15 USC 1681 et seq, governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies. 

Please remove all these inquiries because they are unauthorized
Product: Money transfer, virtual currency, or money service

On XXXX XXXX started a paypal account to receive money for an accident that was settled out of court. I had never used paypal before but it was the only way the sender said he could send it. I started the paypal page without knowledge that I couldn't link a prepaid debit card. On attempt to connect my XXXX XXXX card it didn't link. I tried my XXXX card it wouldn't link. I thought I could link my spouse card cause it was an actual bank card only because I'm allowed to do so on XXXX XXXX. In doing so I seem to have violated paypal security policy an was locked out my account I received an email that said the account was permanently locked an I would have to wait 180 days. I found that a lil hard to swallow so I continued to call and speak to different reps and one told me if I submitted the my id an my spouse bank statement they would see it review it an my money would be released in the hour. I did so an didn't receive a email back so I tried to call back an the office was closed. So the next day I called an they said they received the documents an it was not going to be able to take the limitation off the account and I would have to wait 180 days. This is a big inconvenience because like I said initially the money was for repairs of my vehicle an in turn it hasn't been fixed an my spouse is at risk of losing his job an no money is coming in to pay bills because we don't have transportation. I have all documentation including the source of the money to prove no fraud had been committed. I understand I am being penalized for ignorance an they have every right to close the account but to hold my funds is Ludacris to me.
Product: Debt collection

On XX/XX/2020 I mailed a request for validation of debt from debt collector. 
On XX/XX/2020 I received a letter from debt collector, Cavalry, dated XX/XX/2020 acknowledging receipt of a letter of dispute and for me to provide them, the debt collector, with specific information and explanation of the dispute. However, my original letter mailed on XX/XX/2020, to the debt collector was a request for validation of the debt under the FDCPA asking for information of debt they claim I owe. According to Section 809 of the Fair Debt Collection Practices Act I have the right to request a collection agency to validate the debt they are trying to collect. Cavalry needs to mail me such verification of the debt or a copy of a judgment.
Product: Student loan

Trying to deal with NAVIENT on a defaulted student loan. 

Our XXXX yr old, XXXX daughter finally defaulted on her long held student loan. That threw us into a problem trying to deal with NAVIENT to settle this outstanding loan. We had issues with everything about NAVIENT. First of all you ca n't get the same person on the phone when you call back. Everyone you speak with is reading from a script, demanding payment TODAY. We tried to negotiate a cash payout, to no avail. Then the phone calls began, calls during both day and night. Each call originating from another NAVIENT office, from Texas to Pennsylvania. As XXXX, on a fixed income we were exhausted trying to settle with NAVIENT. There 's no understanding, no consideration, just constant demands for money. 
In addition, I have serious doubts NAVIENT made any attempts to contact the original loan person, instead, jumping immediately on the co-signer, my wife. 
NAVIENT would n't even accept current information, citing some phony privacy rules, thus the original loan borrower got away scot free ....????
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any accounts which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following accounts that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This agency continues to report a debt that I do not owe. Although they responded to my dispute of this erroneous account, they did not provide proper validation. The correspondence that sent me is from an address that they are not bonded to collect in Texas at. They continue to use this address illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I sent 2 request one certified and 1 email requested verification of an account, I also sent documentation of the request to all major credit reporting agency. After 45 days and no response from creditor, but getting notified by credit agency that my dispute was complete and verified as accurate, I filed a complaint with you CFPB the complaint was against the creditor reporting the debt and the creditors all 3 majors. I received response that the company was still working on my concern/complaint that was on XX/XX/XXXX, after speaking with someone at CFPB I was advised that my complaint would be sent over to the FTC for further action. I have submitted over 4 additional disputes in addition to the disputes submitted before I file the complaint, I have still not heard back for the creditor but all the creditor reports have been updated except for XXXX. The creditor held this account for almost 5 months and would not speak with me, the joint applicant filed bankruptcy but we were legally no longer together but I discovered the account was in bankruptcy via my credit report the refuse the balance that was on the account at the time of joint applicants bankruptcy but demanded the added additional fees, change the account type, dates and status several times. removed the joint applicant from the account and made it individual.
Product: Mortgage

I called them to consolidate all of my credit cards bill which came up XXXX. I was told by XXXX that I could do that. After closing they only paid XXXX and I got back about XXXX. I called them to let them know Im missing checks to some my credit card that was supposed to be included. I called the XXXX XXXX he would not respond back to my calls. And I was told by the underwriter just used the money they sent me. That defeats the purpose of me combining and trying to do home improvements.
Product: Mortgage

We were trying to refinance with Flagstar bank for a 30 year mortgage who we currently had our mortgage with already on XX/XX/XXXX. We were about XXXX weeks into the process and we felt things were going smoothly as well did our Direct lending officer XXXX XXXX. He scheduled a call from their appraisal company and we paid on XXXX XXXX XXXX for the sum of {$530.00}. The appraisal company came out on XX/XX/XXXX at approximately XXXX. 
The appraisal was completed around XXXX, it is here where things go bad. 
I received a call from XXXX that same afternoon around XXXX stating that the loan did not make it through their underwriting team for some reason. I told XXXX that we just had the appraisal done that same day and if we were not getting the refi loan we would appreciate a {$530.00} refund. He stated this is not his problem and they are a 3rd party contractor and we would not be getting our funds back we are responsible for the payment. I asked him why would he order the appraisal if the loan had not gone through the underwriters and his words, I am quoting him ( based on what you told me about your income I thought you would be all set ). He did not want to speak to me any further so I took it up with XXXX XXXX which was the other person working on our loan. I stated being retired we can not afford to throw away {$530.00} and she agreed, this was over the phone. On XX/XX/XXXX see email : she sent me an email stating our refund has been processed and we would receive it within 14 days. I waited the 14 days and no refund so I sent her another email see attached : she stated they were having technical issues and give it till the end of the following week of XX/XX/XXXX. We did and still no refund, I called XXXX the week of XX/XX/XXXX and spoke to her and she said please give it XXXX to 45 days more. We waited once again with no refund, so I called her on XX/XX/XXXX and she said she was forwarding this information ( she took my phone # ) to their finance department and they will call a.s.a.p. I still have not heard anything back from anyone at Flagstar about our refund that was processed on XX/XX/XXXX. All we want is our refund for the appraisal that should not have taken place unless we were approved from the underwriters first. Anything anyone can do to get our refund would be greatly appreciated. Not that it now matters but we did go with another bank and tried using the appraisal from Flagstar ( to eliminate any refund ) but the current bank stated that the appraisal company was not in their circle, we paid for a second appraisal. We have already refinanced with a another bank and closed in XXXX. Sincerely, XXXX XXXX XXXX XXXX.
Product: Debt collection

We have a garnishment agaouint us and we have been having payroll deduction since thew court case. On XX/XX/XXXX we made a large payment against our judgement of {$4700.00}. We had a few more payment garnishments in XXXX and XXXX. During these garnishments we actually have paid enough of the debt and now we have actually over paid approx {$400.00}. Because of my work schedule my husband has been in conmtact with Midland. He has contact Midland Credit Management over 5 times to discuss the balance and over payment. I even requested verbally and via email a complete payment history and interest charge for our account. They told me I can receive this information online which only goes back 1 year. I told Midland this and they said they are not under obligation to give me payment and interest charges history. I am asking for this to see how much we were charged interest because I received a statement from Midland on XX/XX/XXXX showing a balance due of {$62.00}. Then he got online on XX/XX/XXXX and the account showed a balance of {$230.00}. We were told this is because of interest charges. Then he spioke to another Midland rep on XX/XX/XXXX and she confirmed this si an issue with the correct balance and they will look into this difference and let me know. Midland rep also told us the reason for overpayment is the XXXX XXXX XXXX did not XXXX XXXX them the most recent payments and we needed to conct XXXX. I contacted them on XX/XX/XXXX approx. XXXX and went over the account details. XXXX told us that they never received a Credition Reduction Letter of our {$4700.00} payment from back in XXXX. And my next paycheck on XX/XX/XXXX will have yet another garnishement. This is totally unacceptable and lack of responsibility on Midland Credit and lack of willingness to help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

non XX/XX/2020 i disputed three incorrect items on my credit report and sent in payment history and a court order .the disputes came back as correct. even after i sent every thing in to show the report was incorrect .payment with checks that cleared my bank and a court order that says i am not be hide on child support
Product: Debt collection

Subject : Formal Notice of Violations and Request for Remediation Dear Ability Recovery Service, I am writing to bring to your immediate attention clear violations of both federal and state laws in the manner Ability Recovery Service has handled my credit information. 

It has come to my notice that unauthorized items have been reported to my credit report without my explicit consent, constituting a serious breach of privacy and identity fraud. This action violates FCRA Section 604 ( a ) ( 3 ) ( A ), Ohio Revised Code ( ORC ) Section 1349.19, and ORC Section 1349.191.

Furthermore, the unauthorized reporting is adversely affecting my creditworthiness, and I assert that even in the case of a permissible purpose, my explicit consent is a necessity, as outlined in FCRA Section 604 ( a ) ( 3 ) ( A ) and ORC Section 1349.19. 

I am formally demanding the immediate removal of this unauthorized and unverifiable item from my credit report, in clear violation of FCRA Section 611 ( a ) ( 1 ) ( A ), Ohio Revised Code Section 1349.19, and ORC Section 1349.191. I expect this to be done within 30 days from the receipt of this complaint, as stipulated by FCRA Section 623 ( a ) ( 8 ) and Ohio state law. Failure to comply within the specified timeframe will be considered willful noncompliance, subject to legal consequences. 

Moreover, I insist on Ability Recovery Service providing a written document that proves I, as the consumer, have granted explicit permission for your agency to access my consumer profile. This failure to obtain consent is a direct violation of FCRA Section 604 ( a ) ( 3 ) ( A ) and ORC Section 1349.19. 

This correspondence serves as a formal notice of violations, and I expect prompt action to remedy these breaches of federal and state laws. Failure to address and rectify these issues will leave me with no choice but to pursue legal action to protect my rights. 

I anticipate your immediate attention to this matter and demand a swift resolution to ensure the accuracy and integrity of my credit report. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX incorrectly shared/ reported a Bankruptcy attached to my name to the three Credit Bureaus ( XXXX , XXXX and Transunion ) I disputed the inaccurate information with the credit bureaus several times. Each time they told me the BK was verified through XXXX XXXX. I contacted XXXX XXXX via phone in XX/XX/XXXX and explained to them my issue. XXXX XXXX started an investigation and after thoroughly investigating they realized the error and removed the BK from my report. In addition, they mailed a letter to me in XX/XX/XXXX. I submitted a dispute to all 3 CBs and attached the letter that is on official company letterhead stating the BK was deleted from my file. All 3 CBs responded to my dispute and said the account was verified. This is inaccurate and they did not investigate with XXXX because it would have shown that this was an error and was not my BK. Under the FCRA, companies must conduct free of charge a reasonable investigation of this dispute. I did not receive this from XXXX, XXXX and Transunion. I notified XXXX XXXX on XX/XX/XXXX and they stated they will submit a request to delete this information and the 3 CBs ( XXXX, XXXX and Transunion ) have yet to remove this erroneous information from my account.
Product: Credit reporting or other personal consumer reports

Dear XXXX, XXXX XXXX XXXX, you have failed to verify and provide accurate information to the credit bureaus, reporting 30 day lates on my account. The burden of proof is on you to provide documentation that this account was late if you are not able to provide documentation that shows the account has been reported late, I am requesting a deletion. Per the federal law FCRA, XXXX have 30 days to provide this information 30 days allotted by FCRA.
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 6802, it is illegal for banks and institutions to report any data to third party companies without proper consent. According to FCRA section 605b it is illegal to report information on my credit report without my permission. I am not liable for the debts with XXXX XXXX. I do not have contracts with XXXX XXXX  and they did not provide me with the original contracts as I requested with my wet signature and ID verification. AGAIN, PLEASE PROVIDE ME WITH THE ORIGNAL CONTRACT ( S ) WITH MY WET SIGNATURE AND ID VERIFICATION BETWEEN MYSELF AND XXXX XXXX. IF YOU CAN NOT PROVIDE THESE CRITICAL PIECES OF INFORMATION, THEN PLEASE DELETE FROM MY CREDIT REPORT. 

I have attached proof of XXXX deleting XXXX from my credit report. I would like Equifax to do the same and delete from my credit report with them.
Product: Vehicle loan or lease

FRAUD SECOND ACCOUNT AT WELLS FARGO!!!! OPENED XXXX XXXX XXXX # XXXX as per attached credit report from XXXX credit agency PAYMENTS NOt DEDUCTED FROM MY BALANCE of # XXXX ACCOUNT OPENED XXXX XXXX FOR my XXXX XXXX. 
I have emailed wells Fargo board of communications attention XXXX numerous times. 
I have called XXXX at Wfds XXXX # customer service numerous times. I have sent a certified letter to .XXXX XXXX in California . 
I need the details of how this second fraud account recorded on my credit occurred and details of payments to the # XXXX account and the hard inquiry XXXX XXXX XXXX asap. Wells Fargo denied via their XXXX letter that thiis happened appeal to the cfpb to place sanction against Wells Fargo for false information.
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. 



I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX, Eastern Account System : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX  XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Mortgage

I have been a victim of scams from this modification program at XXXX. Loan # XXXX. XX/XX/XXXX ... down payment of XXXX and monthly payment of {$790.00}. XX/XX/XXXX ... down payment of {$1000.00} and monthly payment of {$540.00}. XX/XX/XXXX ... down payment of {$800.00} and monthly payment of {$590.00} ... that's a total of {$4000.00} ... on down payments ... '' BUT '' XXXX offers loan modification assistance free of charge ... no modification fee required. These down payments engaged in unlawful collection and servicing practices. Use " Robo-Signing '' and fraudulent court documents to evict ... property at XXXX XXXX XXXX, XXXX, NC XXXX ... after living at property for 15 years. I also filed a complaint on XX/XX/XXXX with the Federal Trade Commission. Ref # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed on the sale of my home in XX/XX/XXXX and paid off my loan with Bayview Loan Servicing. I received a letter from Bayview that my loan was paid-in-full in XX/XX/XXXX. However, I received a notice from XXXX  and XXXX that Bayview is reporting my account delinquent and 30 days late with {$0.00} due. 

I had this issue fixed in XX/XX/XXXX but it has reappeared again in XX/XX/XXXX. There are no managers or supervisors or points of escalation that have been able to fix this reoccurring problem. It is a violation of the Fair Credit Reporting act and fraudulent to try and collect on a loan that is paid in full.
Product: Checking or savings account

My name is XXXX XXXX. 
This has been the worst bank I have ever had in my entire life. 
I recently made a change of address and updated some personal information in my account. DEBIT CARD NUMBER XXXX. 
The bank has blocked all my access and has blocked my money for no reason. 
Currently I am sick in bed all the time and to mobilize it must be via authorization from my doctor and in an ambulance. 
My granddaughter and my grandson are in charge of helping me with my financial affairs, for example if I need to withdraw money from the ATM or to make an online transaction. 
So, why is the bank asking me to go to a branch if I can't go? I have not reported fraudulent activity on my account, never have. 
All changes and transactions have been authorized by myself, however, Bank of America has been arbitrary in blocking my access without my consent and wanting to force me to go to a branch when my health condition does not allow it. 
Therefore I just want the bank to proceed with closing my checking account and reverse the last transaction or deposit made to my checking account. 

If this situation continues and they refuse to help me, then my relatives and I will start a lawsuit where the bank is responsible for causing me a serious health problem, even where I could die, because under no circumstances have I reported unauthorized activity on my personal account. 

It's a shame how people, instead of providing a service, what they do is judge and mistreat customers.