23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am dealing with Navient for XXXX private student loans. My sister paid {$11000.00} towards my loans to have her name remove as a cosigner. These loans went through XXXX collections agency and XXXX of them had no knowledge about the {$11000.00} payment. I started checking my account online and notice that navient did n't post the {$11000.00} to my account. I called them numerous of time and printed out documents from the online account. Then one day I decided to go on my online account and there goes the {$11000.00} payment but the balance remanded the same. First they told me that the online account does n't update because my account is with an collection agency and the information was n't correct. I asked them to send me information on my account and they only sent me information of my payment with the same balance as the online account. My thing is if the online account does n't update then why is the statement the same as the online account and why is my recent payment updated on there. I tried to get more documents on my loans and they refuse to send it me stating they was n't able to send me any documents. They keep sending me the same statement every time when I ask for something more detail. I try to contact the attorney that the judgements are with, but I get no answers and they never return my calls. They also had no knowledge of the {$11000.00}. I been going through this for three months trying to find the right balance because I calculated everything possible way to come up with the correct balance and it not coming close to anything they have and they refuse to send me documents and is giving a the run around.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, declare that the information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information. Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ) ; Formal Request for Information : I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files. 
XXXX XXXX XXXX XXXX XXXX XXXX : Balance : {$1600.00} ; Opened Date :XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} : Opened Date :XXXX 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX : Balance : {$750.00} : Opened Date XXXX 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX : Balance : {$820.00} : Opened Date XXXX 
Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX The fraudulent information has impacted my credit report, causing considerable psychological stress. I request assistance in investigating this matter and taking the necessary steps to resolve it promptly. Please inform me of any actions required on my part in response to this dispute. I am aware of my rights under federal laws relating to credit reporting and identity theft. Failure to act in accordance with legal obligations will force me to get an attorney.
Product: Checking or savings account

On XX/XX/year> Opened an account with TD bank online. They asked whether I wanted to fund my account and I used their funding option to start off my account. I asked them to transfer funds from my XXXX  account to their account. They later explained that they debit my XXXX  account as an ACH transaction. 


My money has been debited from XXXX  on XXXX and on XXXX there was no record at TD bank. I called and asked TD bank to provide me with a record of this transaction being initiated by me and going to my account. There was never a record or receipt sent to me by TD on XX/XX/year> when I originally set up my account. I spoke with 3 reps at TD a customer service agent, his supervisor and his supervisors supervisor ( XXXX, South Carolina office, at appx XXXX EST ) he said they will not have a record of my transaction/request to have the fund transferred until the funds are actually in my account due to this being made during the opening of the account. While I reiterated they should have a record for every financial request/transacation done on their website, he said he doesnt have access to that and he can not help me get access to it. 

This is bad practice. Money had already been debited out of my XXXX  account, but the requesting agency doesnt have a record on file for requesting the transaction. The agent seemed to imply that since its done during account opening they wont have it until its completed. A bank should have a record of every transaction, should have regulatory functions and protocols for customers how to get records for their transactions, or else should not have authority to offer online bank account opening.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my credit file with Equifax, I noticed that there were several inaccurate accounts and inquiries being reported. 

Several months ago, I mailed the attached affidavit to Equifax stating it's poor business practices, pursuant to 15 USC 1681. 

Since then, many of the inaccurate accounts and inquires remain on my credit report.
Product: Credit card

The company never validated the debt nor removed the negative item ( s ) from my credit report
Product: Bank account or service

I went to BMO Harris Bank located at XXXX XXXX XXXX, XXXX, KS XXXX to open a checking account. When I received my first statement I noticed the bank opened a credit line without my consent. I asked the bank to close the line of credit and so they mailed me a form to sign giving them consent to close the credit line. I brought the paperwork into the branch on XXXX/XXXX/2016 and was assured the line of credit would be closed. On XXXX/XXXX/2016 I noticed the line of credit was still open. I spoke to the branch manager and he told me the banker handling my account must be busy and he 'd talk to her about it the following week. Today is XXXX/XXXX/2016 and my line of credit remains open.
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  Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

XXXX, XXXX contacted Equifax about not being able to access their website using my user ID and Password. I was advised that Equifax required XXXX  Product Users to purchase XXXX XXXX Search Engine to access Consumers Credit report online. I had attempted to access my credit information due to errors that Equifax had made, inclusive of no credit updates to my report in over a year. I was advised about the need to purchase XXXX XXXX by the Equifax employee I was speaking with. This is an unlawful act.
Product: Credit card

On around XX/XX/year>, I started receiving suspicious texts and calls from XXXX stating I had a past due balance and threatening action. I have never used that card, and after reviewing my credit report and contacting AMEX, it seems that someone is attempting to steal my personal 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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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: Vehicle loan or lease

My XXXX XXXX XXXX  engine quite. When I contacted credit acceptance because it was supposed to be still under warranty so I was told to take it to the XXXX store and was informed that it was not cover under warranty. Credit acceptance repo my car and told me that they would hold a private auction to sale my car and will refund me the balance but instead they added it to my credit and the remaining balance. I have paid over 9,000 dollars credit acceptance made false advertisement and broke my contract by saying I had a 5 year warranty when the warranty was expired.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX there was unrecognized transfers from my Western Union account. I immediately called western Union to notify them or the 3 transactions that appeared suspicious and not initiated by me ( XXXX # XXXX ) & ( Case # XXXX ). 
- Western Union opened a case and notified me that the transactions will be cancelled and my bank account from where the money was being drawn will be blocked so that no further transactions or money is drawn. 

The following day 2 transactions were still processed for {$1400.00} each, and when I called WU, they are not agreeing to reverse the transfer or credit the money back. 

There is serious flaws in their system controls and they take no accountability at all let fraudulent activity occur. 

Also to note the transfers were made to accounts that I do not recognize, and western Union did not even notify me of any new payee accounts being added to my account. 

I am losing {$2800.00} and they are not taking responsibility at all, despite me warning about the unrecognized transaction. 

Can you please help
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against PNC Bank for Violation of Regulation CC and Potential Discriminatory Banking Practices Dear Sir/Madam, I am writing to file a formal complaint against PNC Bank for violating Regulation CC and to request an investigation into potential discriminatory banking practices. Below are the details of my complaint : Account Information : Account Holder Name : XXXX XXXX XXXX Account Number : XXXX Bank : PNC Bank Branch Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Details of the Violation : On XX/XX/2024, I deposited a check issued by the United States Treasury in the amount of {$10000.00} into my account at PNC Bank. Subsequently, I received a letter from PNC Bank dated XX/XX/2024, informing me that the funds from this check would be delayed for 10 days. This action by PNC Bank is a clear violation of Regulation CC, which mandates timely availability of funds, particularly for U.S. Treasury checks. 

The letter from PNC Bank cited the following reason for the delay : " We believe a check ( s ) you deposited may not be paid for the following reasons : During analysis of the check, we determined that we need to verify that the check will be paid. '' Although I was able to make PNC Bank release the funds eventually, their initial action was in direct violation of federal regulations. This delay could have caused significant inconvenience and financial hardship. 

Request for Investigation into Discriminatory Practices : Given the blatant violation of Regulation CC, I am concerned that PNC Bank may be engaging in discriminatory banking practices. I request that the CFPB conduct a thorough investigation into the following : The frequency of 10-day holds placed by PNC Bank on checks issued by the Federal Government XXXX 
A breakdown of these occurrences by race and ethnicity of the account holders. 
An analysis of whether minority customers are disproportionately affected by such holds. 
Requested Resolution : I request that the CFPB investigate this matter and ensure that PNC Bank complies with Regulation CC to prevent future violations. Additionally, I seek compensation for the financial losses and inconvenience caused by this delay. It is essential for PNC Bank to adhere to the regulations to protect consumer rights and to ensure that all customers are treated fairly and without discrimination. 

Enclosed are copies of the relevant documents, including the letter from PNC Bank and the deposit receipt for the U.S. Treasury check.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX Enclosures : Letter from PNC Bank Deposit Receipt
Product: Mortgage

My name is XXXX XXXX I have a mortgage with M & T Bank. I recently had problems with the property tax where the house was built on 3, 25ft lots and the 3rd lot wasn't properly merged by the city with lots 1 & 2. Lot 3 was sold for tax proceeds without my knowledge. M & T provided a lawyer since they also had interest in maintaining the property, to assist with resolving the problem. The tax bill was XXXX ( including interest and additional fees ). I recently found out I am being charged XXXX for and attorney 's fee and my mortgage has changed from {$400.00} monthly to {$1700.00}. M & T is also charging me {>= $1,000,000} in addition to the above amounts as a recoverable corporate advance. I have talked to them asking them to provide a fair bill but this is excessive and well beyond the amount of the taxes or attorneys fees. Please help me. I am a XXXX XXXX XXXX widow on a fixed income and I think they are trying to take my home with excessive fees beyond my income. I have not missed a mortgage payment, I have always paid my taxes until I became exempt I can not loose my home.
Product: Checking or savings account

I wrote a third-party check to a Painter, XXXX, in the sum of {$4700.00}. The check was deposited in XXXX account on XX/XX/year>, and the funds removed from my personal checking account the same day. XXXX bank is XXXX XXXX refused to honor her for seven days and would not tell her where the funds were withdrawn from my account. XXXX received a letter from the bank stating We are taking this action because we have information that leads us to believe that the check may not be paid. XXXX and I jointly talked to the bank fraud control who advised that XXXX XXXX XXXX XXXX had the funds and had not released them yet. The statement lead XXXX to believe that I did not have sufficient funds to honor her check which is libel and that my account had more than sufficient funds to honor this check.
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, XXXX, and XXXX are 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. '' American Express 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. '' American Express, the financial institution and the Consumer reporting agencies XXXX and 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, XXXX, and XXXX from American Express 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. '' American Express 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 XXXX 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, XXXX, and 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. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the validity of the bankruptcy information being on my credit reports with TransUnion, XXXX  and XXXX. The dispute is how can they officially put the bankruptcy information on my credit report if they did not or their third party vendor properly verify the information directly with the court. I contacted the bankruptcy court and received documentation from them dated XX/XX/2018 indicating that they do not report or verify bankruptcy information with the credit reporting companies. On XX/XX/2018, I submitted this documentation to all three of the credit reporting agencies as well as dispute letters and asked that the bankruptcy information be removed from my credit reports because it was not properly validated with the bankruptcy court. All three of the credit reporting agencies responded that the information was " Verified ''. I even spoke to a TransUnion representative on Tuesday XX/XX/2018 because I checked my credit score on that day and it had dropped 100 points. My credit score had been increasing over the past several months and my credit behavior has not changed so the 100 points decrease to me seemed directly attributed to my dispute. I also requested that the name of the third party vendor that they indicated verified the information with the court but I was told they could not release the information. Today XX/XX/2018 I received a letter from XXXX  saying that per my request, they have put a fraud alert on my credit file which will last for 90 days and they will also make the other credit reporting agencies aware of this. I did not request that they put a fraud alert on my credit file but I did dispute the validity of the bankruptcy information. As a result of this fraud alert being put on my credit file without my request or permission, it will slow down my ability to get credit. I wrote a letter to XXXX and submitted it on-line asking that the fraud alert be removed immediately as I did not ask for it or give them permission to put it on my credit file. I also ask they communicate with the other credit reporting agencies to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute Incorrect Reports of My Name and Addresses. 


INCORRECT NAMES REPORTED : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCORRECT ADDRESSES REPORTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA- XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX INCORRECT EMPLOYMENT INFO : NEVADA XXXX XXXX XXXX
Product: Debt collection

several letters sent to debt collector ( Spring Oaks Capital ) from XXXX of XXXX present asking for proof of debt. attempting to collect from me. I understand that this debt was originally with XXXX XXXX not first bank, and I had an agreement with them. However, I have not entered into any contractual agreement with spring oaks and that I require validation of the debts legitimacy. They could not provide " proof '' of such account stated all they provided was a " bill of sale '' with the number accounts they bought from another debt collector. They are in violation of reporting false information to XXXX credit bureau and should be deleted immediately from my credit report. However, after review of the documentations, I have become aware that there is no account stated **** in Spring Oaks Capital LLC portfolio/Bill of Sale to the alleged debt in question, therefore I have concerns regarding the accuracy and legitimacy of the debt as there is no mention of this XXXX stated. I asked for evidence of such debt and could not be validated on several attempts of sending letters to this debt collector. This does not comply with ( FDCPA ) the Fair Debt Collection Practices Act ( FDCPA ) Since XXXX oXXXX XXXX they have continued to report false information. That's immediate volitation FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a personal loan and got denied but when they pulled my credit report 3 hard inquiries XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX  were placed on my credit report. I also applied for an auto loan which was denied as well and had another hard inquiry on my credit report from XXXX XXXX XXXX XXXX
Product: Debt or credit management

I submitted paperwork to trans Union credit bureau, and they refused to remove the inquiry that was placed on my credit report
Product: Debt collection

Truck was paid in full by friends. 
I received the title and my account was closed. 
Suddenly, my truck was repossessed. 
I need to pay a quote, and I had the money, but the places closes at XXXX XXXX  eastern ( was not told that ) so now it is my fault, according to them. 
This is a predatory loan company.