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

I have been disputing two bankruptcies on my credit reports I reached out to the court and was told they haven't talked to any bureau and they sent me a letter saying so I've been trying for over a year to get them off and its causing me terrible hardship I reached out to the bureaus data provider XXXX because XXXX  told me to do so and they deleted one of them but the bureaus won't even after XXXX sent them letters but XXXX and the bureaus still need to delete the other one and they won't send me the information where they're saying they are verifying it from
Product: Credit reporting or other personal consumer reports

Improper use of credit report, identity theft. Please delete following accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Happy Holidays to all the good people at the CFPB. Thank you for your service. It has been brought to my attention that I am being Extorted, discriminated against, and unfairly treated by the deceptive and fraudulent business practices of Bank of America. I have been a client with Bank XXXX XXXXmerica for roughly 2 years. I have given Bank of America at least $ XXXX in overdraft charges and Im still acting in good faith in regards to my relationship with B of A. Sometimes the straw can break the camels back. I contacted Bank of America about the credits owed to me on my account as a result of my deposits and FDIC insurance that isnt applied to my account when it should be because I signed a signature card with my social security credit card number in on the application provided by Bank of America. I received a XXXX credit from the XXXX system to my bank account and Bank of America put a negative sign on my credit deposit to my account and took the money out of my account. I called to get understanding and they told me they had no answers. I am the living Man who signed the application for the account with Bank of America. I deserve my credits & they should not be withheld from me. I am hurt beyond repair. Im tired of XXXX with power. Please help
Product: Credit reporting or other personal consumer reports

I submitted dispute letter demanding an investigation into inaccuracies on my credit report on XXXX XXXX XXXX XXXX XXXX XXXX I received a stall letter via email from Transunion stating that they did not know if it was me that sent my original dispute letter, even though it was sent with proof of identity. Per the letter, I called Transunion on XX/XX/XXXX and the representative XXXX tried to convince me that I needed to instead do it either online or over the phone with him. He stated that if I did not do it in this way than there was nothing that he could help me with, even after I told him that my letter dispute letter was in fact sent with proof of identity. This is a compete violation of my rights. I have sent out ANOTHER letter with proof of identity AGAIN stating that Transunion is reporting inaccurate information and needs to reinstate the investigation request and get back to me within 15 days being that they have ALREADY ignored my first letter and that I will file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX XXXX last XXXX of my social is XXXX Has violated my rights 15 U.S.C 1682 section 602A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A Creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these Inquiry deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report
Product: Credit card

Credit report shows debt owed by a 3rd party company that I have no contractual agreement with. My personal data and non public information was shared to LVNV funding by XXXX XXXX XXXX which includes my social, email address, date of birth, non public account information. This is consider identity theft by law. I didnt give permission to share or sell my personal information. With any person or third party.
Product: Student loan

I am writing to ask for your assistance in requesting a formal review of my payment counts for the Public Student Loan Forgiveness ( PSLF ) program. Despite meeting all the requirements for PSLF forgiveness, The Department of Education has not counted sixty ( 60 ) qualified payments made during the period XX/XX/XXXX regardless of evidence verifying that I was in repayment and met all the program requirements. 

You previously helped me by contacting XXXX requesting that they update my NSLDS to accurately reflect my repayment status. I am again seeking your assistance mediating with the Department of Education to recognize and update my account to acknowledge this update. I have contacted the Department of Education numerous times, but each time I get vastly different and inaccurate responses ( see attachment for responses ), and nothing has been done to resolve this issue.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

A fraudulent debit to my citizens bank checking account was made in the amount of XXXX on XX/XX/year>. I called the bank to report the fraudulent charge and they informed me it was being handled by another department and refused to place my fraud report. When I was in contact with the other department it is closed. I never authorized this charge and on my end it only shows it was a debit, not who it was to or any other information. The representatives I spoke with refused to give me any additional information.
Product: Vehicle loan or lease

On XX/XX/XXXX, I was approved for an auto loan refinance through Navy Federal Credit Union. I filled out the paperwork online and was directed to pick up my refinance check in branch when I could. That same day, I made it to a branch where the check was printed and I would later mail the check to my current lienholder via the USPS. After approximately 15 days without check delivery, I contacted USPS to try and locate my mail. USPS escalated my issue and submitted a case to find the missing mail containing payoff information and the cashiers check. However, as of XX/XX/XXXX, USPS has yet to find my mail after it had been sent to a regional facility nearby. The past two weeks, I have contacted Navy Federal Credit Union in an attempt to stop and reissue the payoff check in order to move the refinance process forward. Unfortunately, Navy Federal has been unwilling to help in any way to reissue the check, cancel my loan, or even push the due date of the 1st payment. Upon initial communication with Navy Federal about the issue, I was directed to go to my local branch to have the check reissued. However, once I reached the branch I was shocked to learn the check could not be reissued because it was a cashiers check. To my disappointment, they could not state why the check was converted to a cashiers check by their banker. They stated my only option was to fill out a declaration of loss form and wait 90 days until that check had been " returned '' before issuing a new check. The problem, however, is that I am still paying on my current auto loan that has not been refinanced while Navy Federal would like me to start making payments in XXXX on this new loan. I believe it is unfair to be beholden to my original monthly payment schedule when Navy Federal arbitrarily switched a normal payoff check to a cashiers check. I have experienced a negative hit to my credit due to the status of two open auto loans and I am unable to make upcoming payments on two loans for one vehicle unit. Navy Federal has refused to push the first payment until the issue is resolved, refused to reissue the check, and refused to cancel the account ahead of the duplicate monthly payment. Despite two occasions via telephone where Navy Federal admitted the check should not have been a cashiers check, I am stuck paying two auto loans for one vehicle come the month of XXXX. I am unable to make these duplicate payments on my auto loan because Navy Federal is expecting payment on a refinance loan that has not yet been refinanced. To add to the subpar experience, I was recently directed to their financial coaching team in case I wanted to learn how I could budget enough money to make the duplicate payment. I am truly disappointed with the treatment and impacts this will have on my financial wellbeing and hope it can be resolved soon.
Product: Debt collection

I have been abused and deceived with the use of unfair debt collection practices, where my right to privacy has been breached. CAVALRY SPV I LLC/CAVALRY PORTFOLIO SERVICES , has caused injuries to me by violating the Fair Debt Collection Practice Act, that was set into place to protect the consumer from such abuse. On XX/XX/2021, CAVALRY SPV I LLC/CAVALRY PORTFOLIO SERVICES violated 15 USC 1692i ( b ) by filing suit against me, the consumer. Pursuant to 15 USC 1692i ( b ) Debt collectors is not authorize to bring forth any legal action against the natural person ; the consumer. CAVALRY SPV I LLC/CAVALRY PORTFOLIO SERVICES violated 15 USC 1692c ( b ) by using representation of an attorney in connection with the collection of the debt. On XX/XX/2021, I received 2 phone calls from my front gate at around XXXXXXXX XXXX that woke my wife and myself up, but I did not answer because I was not expecting anyone at my residence so early in the morning. My wifes phone began to ring from the gate right after, she did not answer as well. Around XXXXXXXX XXXX I heard an obnoxiously loud banging on my front door, in which frightened my wife and I, also woke up my two young kids. My wife opened the door and was given papers stating I have a notice to appear in court. CAVALRY SPV I LLC/CAVALRY PORTFOLIO SERVICES violated 15 USC 1692c ( a ) ( 1 ) by the issuance of a SUMMONS/ NOTICE TO APPEAR FOR PRETRIAL CONFERENCE without the prior consent of me, the consumer, given directly to them, at an unusual time and place which known to be inconvenient to me the consumer. CAVALRY SPV I LLC/CAVALRY PORTFOLIO SERVICES violated 15 USC 1692e ( 13 ) by issuance of documents titled SUMMONS/ NOTICE TO APPEAR FOR PRETRIAL CONFERENCE and COMPLAINT FOR DAMAGES are both false representations and implications of legal process. On XX/XX/2021, Ive requested for CAVALRY SPV I LLC/CAVALRY PORTFOLIO SERVICES to provide me with competent evidence to verify that I have a legal obligation to them, but have not received anything. I will attach all documents used to resolve this issue.
Product: Credit card

I contacted Citibank on XXXX XXXX, 2016 to cancel an account that had been transferred from XXXX XXXX as part of the Costco credit deal switch. I very clearly wanted my account closed. I continued receiving bills, but did not realize that the account was STILL open until XXXX XXXX, 2016 at which point I called Citibank who confirmed that my account was still open and confirmed that I had contacted them on XXXX XXXX, 2016, but the content of the conversation was not confirmed. There is no way that there was any confusion over what I wanted - I specifically do not do business with Citibank due to past poor experiences. Similarly, the action requested ( to close my account ) was confirmed by the customer service representative, but never actually executed. They lied to me in order and kept the account open until I realized that it was still open. Upon contacting them on XXXX XXXX, I received confirmation that my account was closed, but this was an intentional denial of my cancellation request. My request was only submitted verbally.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY SEVERAL DATA BREACHES. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. THIS ACT VIOLATES 18 U.S.C. 1029, WHICH PROHIBITS THE UNAUTHORIZED USE OR POSSESSION OF ACCESS DEVICES WITH INTENT TO DEFRAUD. REPORTING INFORMATION THAT IS KNOWN TO HAVE ERROR IS A DIRECT VIOLATION OF 15 USC 1681S-2. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXXXXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX
Product: Debt collection

XXXX XXXX financial keeps calling me after I asked them to stop. They call 6-7 times a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXXXXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion and XXXX have denied my multiple disputes on deleting my bankruptcy after the time it legally should be deleted. I have attached official official copies of my discharged bankruptcy! remove from my reports XXXX, XXXX and Transunion asap as i have hired an attorney to handle this wrongly emotional distress situation with Transunion, XXXX and XXXX. i will contact the Vice president of company in a week if this isn't handled correctly and the right way to treat someone.I have attatched multiple proof of official XXXX. XXXX dismissal date as of XX/XX/2012.
Product: Checking or savings account

In XX/XX/XXXX I opened a new online CD with Marcus by Goldman Sacks and I made a transfer from my XXXX  XXXX XXXX account of {$100000.00}. Everythign seemed to be going well until XX/XX/XXXX when I noticed two withdrawals from my XXXX XXXX XXXXXXXX account made by Marcus on the same day : {$1000.00} used to open a new saving account, and {$5000.00} used to open a new CD. Both of these transactions were not done or authorized by me. I reached out to XXXX  XXXX XXXX and disputed the transactions and reached out to Marcus. At Marcus, I was answered by untrained unprofessional staff who kept transferring me around up to 7 times every call, which lasts anywhere between 1-3 hours at a time with no answers or resolutions to my issues. I called Marcus every day from XX/XX/XXXX to XXXX. Even at the few times that I was assured that they canceled those transactions and closed those accounts, I realized later that nothing has been done. Then it got worse, New accounts in banks that I do not have any relation with have appeared as " linked accounts '' in my Marcus accounts and the transfer of money started to happen from my accounts to those accounts unknown to me. these were XXXX XXXX, another was XXXX, {$1000.00} at a time. My access to Marcus was locked so I could not see what is happening until I call and after 2 hours I got a glimpse on my account and I see more accounts have been opened in my names and money have been transferred then the access was blocked immediately after the call. I do not know what to do at this time since I got no where to go with them on the phone and I was just told that they are only an online bank and they have no branch to go to to talk to someone. Help please
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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

XXXX XX/XX/2020 I Reached XXXX I asked them to verify this information of unauthorized inquiry they had no such paperwork or my signature on file. Please remove it once.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and there are some fraudulent account appearing on my credit report. Please see attached documents.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX XXXX XXXX XXXX  if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Checking or savings account

Wells Fargo - erroneous over draft fees constantly - 1 ) I have overdraft protection 2 ) they charge me overdraft fees on every transaction if my account was negative or not
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XX/XX/XXXX, I checked my credit report as I normally do monthly. I noticed that i had inquiries appearing on my credit report that I was unaware of. I reached out to the credit reporting companies and was told to file a police report, in which I did and faxed it over. Unfortunately this issue has not been resolved. I have once again listed the inquiries that appear. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom this may concern, It my with great pleasure I want to inform you that You violated my right as a consumers! Please be awaare that ONLY fair and accurate reporting is necessary for the financial system to function! When you reports inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ).

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report at XXXX  The only way communication ammounts other with common ownership it must be clearly and CONSPICOUSLY disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported on my credit report.