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

My wife passed away on XX/XX/XXXX. We had a title and she was the only XXXX on the title of the loan, I did not have the information on where to make the monthly payment, a few months later I received a call from a collection agency which claimed we would have to pay the full balance of XXXX of the car loan that was issued by XXXX Bank. I asked them if I could make a payment arrangement, the lady said she was going to send a tow truck to tow the car, they told me that since my wife passed away there was no payment arrangement that I could set up. I decided to transfer the money from my investment account to my checking account that I have with Chase. I gave the lady the information on XX/XX/XXXX for the electronic payment to the bank. I gave her the information to withdraw the money. I asked her to send me the letter indicating that she had received the payment when she took the money she told me that when the time comes I could go to the DMV and request the title of the car. On XX/XX/XXXX I moved to Florida and lost all the documents I had. In XX/XX/XXXX I went to the DMV to request the title of the car. They told me that I couldn't do any transactions because there is a lien on the car. I went to XXXX Bank which had issued the loan, to request the title and they claimed to never received the payment and in order to get more information I must have an in state document from the court. I went to the court, and they said in order to obtain an in state account I must have a receipt of all the payments that I made for the funeral or I must have a lawyer. Since I seen that the charges were too much I went to Chase Bank where the money was withdrawn through ACH. I went to the bank that issued the payment and I explained the situation to them. They said they never received the payment. I filed a claim and the bank gave me a temporary credit. The bank said they had to take the money back from me. I asked if they could tell me who took the money so I could take them to court, and they told me they couldn't give me and information. I still haven't received my money back.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report act. 

ACCOUNT XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

The next account request removed pay late. 

XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights y request removed pay XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my XXXX y request removed pay XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rigths y request removed pay XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rigths y request removed paXXXX XXXX XXXX XXXX XXXX 

In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Equifax Information Services XXXX XXXX XXXX XXXX, GA XXXX Certified Mail Receipt # XXXX YOU ARE BREAKING THE LAW! 
UNTIL YOU CAN PROVIDE ME WITH A DOCUMENT PROVING THAT I GAVE ( XXXX XXXX XXXX XXXX XXXX MY REQUEST TO RELEASE INFORMATION TO YOU, Equifax I DEMAND YOU DELETE THE FOLLOWING ACCOUNT ( XXXX ) : ( Professional Finance Com acct # XXXX ) ( XXXX XXXX XXXX XXXXXXXX ) Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third party reporting agencies. 

Please send the above requested information to my mailing address listed above. This letter is a request for validation, and I request full documentation containing all information you received from the service provider of this alleged debt. 

Continuing to report this Medical debt without properly validating and providing me proof of permission is a violation of the FCRA ( Fair Credit Reporting Act ). 

You have 30 days to respond to this request or this debt will be considered invalid and the demand for removal from your reporting agency will be required. 




Best Regards, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit card or prepaid card

On XX/XX/2020 Synchrony Bank applied XXXX in interest to my account over-drafting the account and adversely effecting my credit score. I was told as long as the minimum was paid the promotional would not apply. 

I called several times to try to speak with someone re : reduction in limit and recent charge for interest. Had difficulty with language in all cases and was told the company had the right to adjust limit at anytime for any reason. 

After paying on time every month, they decreased my limit so when they applied the deferred interest it made my credit score plummet. 

They have done the same with another of my accounts as of today XX/XX/XXXX. I will never get my score up if they keep reducing my limit as I pay it down. 

This is unfair as I am judged by how much credit I have available and they are taking away the fact that I have been paying on time to them and tying to raise my score by reducing my credit liability. NOT Fair!
Product: Credit reporting or other personal consumer reports

This company is messing up my credit for {$8.00} when I paid
Product: Mortgage

Bad Customer Service and Withholding of funds due to the mistake in calculations and inexperienced representative ( s ). 
On XX/XX/2017 I provided Proof of HO Insurance to the USAA representative. Same date I was advised that my escrow wil be recalculated and that the check with the amount to pay for the insurance will be sent to the Insurance company. Immediately I contacted the rep and advised that I already paid the full amount for the insurance. Representative advised that the check was issued and they can not stop it and that I will need to get in touch with the insurance company to get my money back. This doubled my mortgage payment and took 60 days and still i have not received anything back. 
I have been in contact with USAA representatives ( at least XXXX different reps ) since XXXX. Every single time i am told that the conversation was recorded and the records to my account were updated to recalculate amount and that i will receive information within 2 weeks. But every single time i called /wrote back, new representative asked the same set of questions and advised that this should be taken care of and will take another 2 week. I also have a string of e-mails reflecting the same. Escrow amount had to be recalculated 4 times because they kept making the same mistake. Once finally amount was recalculated and they figured out what they need to disburse back, the check never came. I was advised that it was issued on XX/XX/2017, but when i reached back on XX/XX/2017 i was advised that they can stop payment on that check and re-issue new one. I font believe that that check was ever sent. Again, the rep. advised it will take -3 business days to cut that check and another day for delivery. It has been over 60 days and no one even bothered to make sure it is prioritized.
Product: Debt collection

A message was left on my grandmother 's voicemail asking me to call today. No information was given over the voicemail about what debt it was rather the caller, XXXX XXXX, stated that a creditor wanted to receive information about my income and assets and wanted to contact me first before she calls my employer. 

I received a text from a relative the next day ( third party ) stating XXXX said to contact her TODAY or else she would be calling my employer. Contacting a third party regarding a debt and making threats is unethical for I don't speak to this relative but twice a year. 

I can send both voicemail recordings to you if you would like to listen.
Product: Debt collection

Company has re-aged a debt.

Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.
Product: Credit reporting or other personal consumer reports

i dispute on experian because other 2 companies XXXX  and XXXX found that account report wrong information and they fix but experian is not reporting correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out about some accounts on my credit that are not mine. Please remove XXXX/XXXX   from my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, Midland Credit Management INC and XXXX XXXX XXXX are in violation of my rights as a federally protected consumer. 
They are in violation of The Privacy Act of 1974 and FCRA.

They have not given me any notice to opt out although it is my right as a federally protected consumer as per 15 USC 6802-6805 and 16 CFR 313.7 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. '' XXXX XXXX XXXX, Midland Credit Management and XXXX XXXX XXXX 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.

They are in violation of 15 USC 1681a by reporting transactions and also in violation of 16 CFR 433.1, 433.2, and 433.3 Attached is my opt out letter as XXXX, Midland Credit Management and XXXXXXXX XXXX failed to give me an opportunity to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX agree to remove the collection item from credit report after negotiated payment was sent. 

its been almost 30days and collection items are still on my credit report i have letter stating that they will remove it what we agreed on and i also have proof of bank statement with payment has been sent. 

i am not sure what to do at this point and i really need your help.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Product: Student loan

This complaint is further evidence tha t Navient : 1. cre ated obstacles to repayment by providing bad information ( account number change without notification  2. processed payments incorrectly and deceptively NOT on our account 3.  failed to act when we, the borrower, complained Our daughter had a student loan with  Navient.  The original loan was with  XXXX   XXXX , then  XXXX , who turned it over to Navient in  XXXX . We, the parents, were paying the loan dutifully every month. There were no problems until  XXXX  of  XXXX , when Navient notified us of no payment for  XXXX , due  XXXX   XXXX . We researched and found a payment made and cashed by  Navient  on  XXXX / XXXX / XXXX . We called them, and they said that they had no record of this payment. We were instructed to FAX them the proof from our bank, the  XXXX   XXXX   XXXX , so we did on  XXXX   XXXX ,  XXXX .   Then on  XXXX   XXXX ,  XXXX , we discovered the same phenomenon for the  XXXX / XXXX / XXXX  payment, and we were assessed a late fee. We called again. Same story from Navient - no record of any payments since  XXXX . We asked if they had received our  XXXX   XXXX  FAX, and they had but when the agent viewed it, she said that it was unreadable. First I knew of that. So, I resent. By this time, we were very angry as no agent was displaying any helpful attitude. Then I discovered something : the loan number in  Bill Pay at my bank and the loan number on Navient 's paperwork were different. Navient 's began with a  XXXX , and Bill Pay began with a  XXXX . I  explained to the agent, and she said that they never had loan numbers beginning with a  XXXX .   At this point, I called my bank,  XXXX , to ask them for help. By this time, I had spend  six ( 6 )  hours in phone calls ( mostly on hold ) with Navient, spoke with managers there and was basically stonewalled by them. They had my money and were asking for more. The agent at  XXXX  arranged fo r three conference calls, each one for nearly 1 hour to coerce Navient  into agreeing that they had the money. Thanks to the  XXXX   XXXX   XXXX , they could track details and confirmation numbers of receipt.   Also, when we tracked back on the loan number, Navient 's old paperwork to us changed the loan number in  XXXX   XXXX  but without specific notice as such at that time. So, in  Bill Pay for us to Navient, we were always sending to the old loan number beginning with a  XXXX  and Navient  was successfully receiving and debiting our account up until  XXXX   XXXX .   We have now hopefully paid off the loan successfully in total - we only had  one more month on the loan. We would never recommend using Navient  for anything. We are glad to be rid of this horrible company!
Product: Credit reporting, credit repair services, or other personal consumer reports

The company never sent any information to me by mail or email. I went ahead and sent further documentation they've requested to the false information on my account and they did respond by mail documentation not acceptable but it was accepted by XXXX and XXXX to resolve the incorrect public info
Product: Checking or savings account

I have savings bank account with Synchrony. These folks are some real crooks that they are not letting me use my own money. They are telling me that I won't be having access to my deposited money for 6 business days because i am a new customer. That's simply ridiculous. Moreover 6 days are far from over. Tried chatting with them and talked to neshela ( supervisor ) today around XXXX XXXX. 
If the funds are deposited on XX/XX/2019 they should be accessible to me at the most on XX/XX/2019. But they are telling that it will be accessible only on XX/XX/XXXX. 
we have already sent the signature card.
Product: Credit card

I was mailed an pre-approved offer for a Savor One credit card. It included a {$200.00} Sign-On Bonus for spending {$500.00} with the credit card within the first 90 days of opening the account. I never received the {$200.00} Sign-On Bonus after spending {$500.00} with the Credit Card . 

Capital One is running a bait-and-switch campaign, switching the " Savor One Card for XXXX XXXX '' card to the " Savor One Card for Good Credit '' card, but I am positive I applied for the one with the {$200.00} Sign-On Bonus. Still, they say I never did, and many people have experienced this.
Product: Debt collection

Credence collection agency refused to mail or email debt and would not give information about debt. Called from various different numbers that appeared to be in my area and could not give information about company so I would know its a legit debt collector.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Discover Bank regarding a fraudulent account that remains on my credit report despite my previous requests for its removal. This situation has caused significant distress and financial harm, and I believe it is necessary to involve the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 

According to the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 8 ) [ 1 ], Discover Bank is obligated to conduct a reasonable investigation of a direct dispute when it relates to the consumer 's liability for a credit account or other debt with the furnisher. I have previously notified Discover Bank about the fraudulent nature of the account and provided substantial evidence, including my driver 's license, social security card, police report, FTC ID Theft Affidavit, notarized letter, and prison release form [ 6 ].

In addition, under FCRA Section 609 ( e ) [ 2 ], Discover Bank is required to provide records of fraudulent transactions to victims of identity theft within 30 days of receiving a request for these records. Despite my request, Discover Bank has failed to comply with this requirement. 

I have made multiple attempts to resolve this issue directly with Discover Bank, but they have been unresponsive and have not taken any action to rectify the situation. Therefore, I am turning to the CFPB for assistance in resolving this matter. 

I kindly request that the CFPB investigate this complaint against Discover Bank and take appropriate action to ensure the removal of the fraudulent account from my credit report. Discover Bank 's failure to comply with the FCRA not only violates my rights as a consumer but also has severe consequences for my financial well-being. 

I have attached all relevant documentation, including my previous correspondence with Discover Bank and the supporting evidence of the fraudulent account. I trust that the CFPB will thoroughly review this complaint and work towards a resolution that is fair and just. 

Thank you for your attention to this matter. I look forward to a prompt response and the resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX account for approximately {$550.00}. I have reached many time to XXXX asking for information to prove this amount is owed and received nothing. They must have a statement or a contract if this is owed but they dont have anything. 

I have requested that Experian credit along with the other credit bureaus to delete this as it is not accurate but this account still remains on my account. 

This doesnt not belong to me and I need to stop reporting to credit report as it had caused me many high interest cards and loans Thanks XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am filing a formal complaint against PayPal regarding the freezing of my account without any notice or explanation. Upon discovering the freeze, I attempted to reach out to PayPal for clarification. Despite repeated inquiries, I have received no clear response about the reason for the freeze, nor have I been able to access my account to gather further information or address any potential issues. 

I request your assistance to investigate this matter and ensure that PayPal provides transparent communication regarding the actions taken on my account and an accessible path for resolving this issue. 

Thank you for your attention to this matter. 

As of XX/XX/year>, PayPal has disclosed that they have over XXXX in my account, however refuse to release it.