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

I ordered some diet pills from a company d/b/a XXXX  XXXX and XXXX XXXX, at the end of XXXX it was to be pay shipping and handling of {$4.00} and if you canx within 18 days, you would owe nothing further. I called and requested everything be cancelled on XX/XX/2018. Then in reviewing my checking account I discovered they charged my checking account XX/XX/2018 for {$69.00}, XX/XX/2018 for {$79.00}, XX/XX/2018 for {$84.00}, XX/XX/2018 for $ XXXX..I called XX/XX/XXXX and spoke w/XXXX @ USAA and submitted a dispute. On XX/XX/XXXX XXXX XXXX XXXX to follow up and I also cancelled my bank card. At first the bank put the money back, then they turned around in XXXX and reversed all the money which in turn caused my account to be over drawen, I have repeatedly called the bank since and I have been unable to recover my funds. I have filed a complaint with the XXXX  with no help. I live on a fixed income and can't afford to lose over {$300.00} dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint against Experian. In regards to my first complaint ( Case Id # XXXX ). I sent Experian an affidavit of Truth ( sent XX/XX/2021, dated XX/XX/2021 ). I attached two proofs of Id ( photo id, and a utility bill, and a notary attachment, and an FTC report ( # XXXX ). Which is more than enough to verify my identity. However, Experian sent dispute results ( dated XX/XX/2021 ) saying I need to provide them more information in order for them to act upon my request for them to remove the fraudulent inquiry on my consumer report. Pursuant to 15 U.S.C 6802b ( A ) ( B ) ( C ) financial institutions may not directly or through any affiliate, disclose to any non-affiliated third party any non-public personal information unless such financial institution provides or has provided to the consumer a notice that complies, I did not authorize the inquiry XXXX ( see attachments ). In regards to the collection accounts furnished by XXXX XXXX ( see attachments ) this is a violation of my HIPPA rights pursuant to 45 CFR 164.502 no such entity may disclose protected health information, except as permitted or required, pursuant to an authorization, and agreement, which was not given. I have also disputed the same accounts from XXXX XXXX  with XXXX and XXXX, and both have deleted these accounts. ( see attachments ) Experian has violated my rights as a consumer and they are civility liable pursuant to 15 U.S.C 1681XXXX. I am demanding they delete all the incorrect, inaccurate, or wrong spelling of my name ( it should match my driver 's license- see attachments ) addresses and employers and delete all the accounts and the inquiry and mail me an updated copy of my consumer report. 

Attachments included 1. Affidavit of Truth 2. Photo Id 3. Utility Bill 4 Certified Mail Recepit 5. certified mail Green Card 6. Identity Theft Report 7. Experian Credit Report ( disregard disputed items- personal information ) 8. Experian Credit Report ( disregard items- inquiry ) 9. Experian Credit Report ( disregard terms- collection accounts ) 10. Copy of dispute results from XXXX 11. Copy of dispute results from XXXX
Product: Student loan

Hello. I am a long-time public school educator who is dealing with many mistakesfrom MOHELA that are preventing me from getting XXXX loan forgiveness. I have sent in all necessarypaperwork, consolidatedall loans, and recertified my qualifying employment each year for years. I haveworked at this school since XXXX, so my loans should be forgiven. In addition, all my undergraduateloans are over XXXX XXXX XXXX and should be forgiven even if I had not qualified for XXXX. 

MOHELA has made mistakes and has delayed correcting them since my loans were transferredto them from XXXX in XXXX of XXXX. Although I have great credit scores and no other debt, I am being denied consumer loans I am applying for no other reason but this loan situation is not being resolved. As a XXXX and a XXXX teacher, I am disappointed and, quite XXXX, angry that this situationis not being resolved. It is interferingwith my life and my financial progress. 

In addition, credit bureaus are showing an incorrect loan amount that is higher than I actually owe. MOHELA and/or XXXX XXXX XXXX XXXX XXXX remedy this mistake. 

I ask that you pleasehelp remedythis situationas soon as possible. I want to continue to serve as a teacher, and I need this to be resolvedfor my own financial and personal well-being. 

Please let me know if there is anything else I can do on my end. Please help me remedy this situation so that I can move on with my life.
Product: Consumer Loan

Navy Federal Credit Union has issued XXXX loans in my name to my spouse. I discovered these debts in XXXX XXXX. I am currently pending a divorce and have filed a criminal complaint against my spouse for forging loans and taking credit cards in my name ( total XXXX accounts at approx. {$160000.00} ) and filed a divorce in XXXX XXXX in Montana. Navy Federal 's loans issued in my name have helped to destroy my credit rating and I am in their collections department for a loan that I did not authorize to be taken out or take out. I have reported to Navy Federal Credit Union that the loans are fraudulent and forged as I never authorized them or signed them or gave signature authority to my spouse or anyone else to take them. I have provided affidavits to Navy Federal Credit Union telling them of the fraud they will do nothing and are coming after me in collections. I obtained the XXXX forged promissory notes from Navy Federal Credit Union in XX/XX/XXXX, XXXX XXXX and XXXX XXXX. I can not get any assistance from them and they claim that the loans are not fraudulent. 
My Criminal statue for Felony Forgery is still active from date of discovery and so is my civil statute. I am using my rights on both ... criminal vs. wife and civil against wife. I also will be filing civil suit vs. Navy Federal Credit Union for their part in my financial destruction. 
In Divorce actions I am required to maintain assets and payments until court decides the action ( economic restraining order ) so I started paying from my account on the vehicle loan in XXXX XXXX. Very easy to prove and Navy Federal will show that I have been paying XXXX per month since XXXX XXXX. Other than that I have never made payment on any of the loans as I did not know that they existed.
Product: Credit reporting or other personal consumer reports

I want Experian to not share any negative histories. They may only report length of accounts. 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 and Experian 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. '' ( Furnisher of information to credit agencies ) 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Credit card or prepaid card

Since XX/XX/XXXX I have been sending certified letters to Capital One. I have sent them a Good will letter asking for forgiveness on Late payment from XXXX to XX/XX/XXXX. Be removed off my account and that they update it with the credit bureau because under the FCRA its no law that that requires them to report them. I was told first that they requirements was to have a hard ship. I explained my Financial hard ship at the time and they told me that it was not considered a hard ship. I also was told that per Capital one policy they dont remove anything prior to XX/XX/XXXX. I then looked up this policy and XXXX that Capital one does not have a such policy. I have also emailed the CEO XXXX XXXX and yet to get a response email. As a consumer I have been granted two credit increase with Capital one within the last year. Information is reporting inaccurate on Credit bureau. As a consumer Capital one is in violation of my rights as a consumer as well as XXXX and XXXX. Capital One need to also explain the letter that they send about There are no delinquencies reporting for the month ( s ) of XX/XX/XXXX- XX/XX/XXXX. When I have never sent them anything about these dates. Which makes me believe they are not fully reading my correspondence in regards to this complaint or certified letters I have mailed them. Which is in accurate about my account 15 U.S. Code 1637 - Open end consumer credit plans 15 U.S. Code 1638 - Transactions other than under an open end credit plan 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1666a - Regulation of credit reports 15 U.S. Code 1666b - Timing of payments 15 U.S Code 1681c- Requirements relating to information contained in consumer reports
Product: Checking or savings account

on XX/XX/2019, I deposited 4 money orders into my account that I purchased, that were not used for the intended purposes. The total was {$1000.00} ; one for {$13.00}, one for {$12.00}, and two for {$500.00} each. On XX/XX/2019, my account was frozen. I called to see why, and they told me that the money orders were suspicious & altered. While I did make these money orders out to my former apartments, they did not accept them and returned them to me ( providing a dated letter stating that they did so ), and they did not endorse them. I crossed out the " pay to the order of '' line and wrote my name beside that. I then endorsed the money orders and deposited them. I saved my receipts, so once informed of the issue, I provided the receipts along with the letters from the apartment community to my bank as they requested. They said once they got receipts, they would be able to unfreeze my account. They did not. I am still having the same issue as of XX/XX/XXXX. I need these funds as I've accepted a promotion in XXXX, and have bills that need to be paid. This is the 10th business day, and I spoke with a customer service rep and supervisor in the call center today that said as of now, they don't have a resolve date for me. They are requesting a new letter from my apartments that I am unable to get, as I'm currently in a legal dispute with them and we're only speaking through lawyers. I don't feel that the proof of burden is on me in this situation, as they are the ones who have decided to freeze the account and I have been their customer with no issue for over a year.
Product: Credit card or prepaid card

On  XXXX   XXXX ,    2017 I re ceived a letter fro m Citi Customer serv ice informing me of a statement credit of {$100.00} that would appear on my statement within  2 billi ng periods. I still have not received said credit. The credit, according to the letter is a result of an agreement between Citibank NA and certain of its subsidiaries and the Consumer Financial Protection Bureau, to customers who enrolled in Watch-Guard-Preferred.     On   XX/XX/XXXX  I call ed the number on the   X/XX/17  let ter (  XXXX  ). After giving them my information and being put on hold several times I was informed I would need to call another number (  XXXX  ) about this settlement. I called, again providing the same information, again being put on hold numerous times. I was told yet again by the customer service representative that they had no information on the refund that the letter was informing me of. They told me I would need to fax the letter to  XXXX .     O n  XX/XX/XXXX  I tried three time s to fax the letter to the number given to me. Each time the fax did not go through, the error codes said the line was either busy or there was no answer. I visited the FAQs page listed on t he letter ( www.Citi.com/RefundFAQ ) but th at listed the same phone number that was listed on the letter. The number I originally called.     I am  XXXX   years old, and t hink it is outrageous that I would be given the run around like this on a settlement that the CFP B told Citi they were r equired to refund. I am hoping you can help me bring resolution to this issue.
Product: Credit reporting

I been disputed this account two years ago and never I received response, still showing in my credit report. I wonder waht another step I have to follow in order for me to fit it. 
Thank you. 
XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they dis not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Debt collection

The following furnishing persons have violated my consumer rights NATIONAL CREDIT ADJUST XXXX # XXXX, XXXX # XXXX, under the flowing : 17, cfr 248.124 reasonable opportunity to opt-out, Title 13 proof of a contract agreement 15 usc 6802 -05, 5 usc 552a Privacy act of 1974, 15 usc 1681 { b } SSA Consent Permissible purposes of consumer reports 18 usc 1029 knowingly participating in unauthorized access to a credit devices 15 usc 1644 fraudulent use of credit cards. By advertising unauthorized accounts on my XXXX, XXXX, and XXXX consumer reports preventing me from being able to receive a fair and equitable reporting. These furnishing actions undermine the credit reporting agencies responsibilities to insure that my credit reports are reporting accurate accounting information. The action of these furnisher has shown to be harassing and caused me and my family duress and lost opportunities on investments. They have ignored all my attempts to clear-up this matter. So I'm seeking the support of the CFPB to help rectify these fraudulent account from all of my consumer reports.
Product: Student loan

I have sent multiple letters, disputed and called many times to get my accounts reported correctly. XXXX accounts are being reported past due 90 days but the comments on my reports says past due 120 days in XXXX. This is an inaccuracy that is putting my housing in jeopardy. I am currently unable to get approved for a mortgage because of this and it is causing great hardship to me and my children. I called Nelnet XXXX time XXXX and none of the representatives are able to provide me with notices that would have provided me information on when to pay and how much in XXXX. The reps were only able to provide me with a statement from XX/XX/2019 but this does me no good if this is the only notice that was sent as the late payments had already occurred. Furthermore they are unable to explain why all of a sudden payments were required. I contacted all three bureaus to get this corrected and they all referred me back to Nelnet. When I dispute with the bureaus the results come back updated. On my phone call with Nelnet, on a recorded line I asked for validation of late payments I was told they couldn't send it to me, unacceptable. Nelnet requires me to have said correspondence from XXXX but as the sender can not provide validation or notices of payments. This has been detrimental to me securing housing for my family.
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 : DPT ED/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX and 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: Debt collection

On XXXX XXXX I originally amended my Chapter XXXX Bankruptcy to included the accounts for XXXX located on XXXX XXXX XXXX, XXXX NJ XXXX. 
On XXXX XXXX XXXX I remanded the discharge ( Case # XXXX ) to include the same XXXX accounts. My discharge was awarded XXXX/XXXX/XXXX XXXX Bankruptcy Court XXXX Court. 
XXXX XXXX has recently purchased this debt from XXXX in XXXX XXXX. 
I have sent the orginal schedule dated XXXX XXXX, XXXX, updated amended schedule XXXX XXXX, and discharge to XXXX, Convergent, and bankruptcy courts. As well as disputed this debt, with Convergence on three separate  occasions. XXXX XXXX continues to pursue this debt and report it, while further damaging my credit.
Product: Prepaid card

The agents for payfare are very rude and look for any excuse to hang up the phone when you ask to speak with a manager they end the call
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX : XX/XX/XXXX SSN : XXXX TransUnion XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX Attention Report Team at TransUnion I am sending this to you today because I have pulled my most recent credit report and I am extremely confused. It is very troubling as these items are reporting as incorrect and inaccurate information. I would appreciate your assistance to solve these problems. 

I have done research at my end and as you and myself both aware, there are laws that guarantee that credit bureaus report accurate information. According to the FCRA, the information provided should be 100 % accurate, 100 % verifiable, and reported in a timely fashion. I am well aware you have 30 days to complete this investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could possibly result in an investigation by the Federal Trade Commission. 

I must demand that you run a thorough investigation for each and every mistake listed, and a complete report MUST be provided to me after you have completed the investigation. 


XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXX XXXXXXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 


Please see the above inquiries as well. 

The Fair Credit Reporting Act also states that the only permissible purpose for pulling someones credit report is : A ) Firm offer of credit B ) Insurance C ) A court order D ) Employment, for a firm offer of credit, a court order, insurance, or employment. None of the above applies to the inquiries on my credit report. Please erase them immediately. 

Any and all private information should be reporting as the following and other information should be deleted from my credit file : Name : XXXX XXXX Date of Birth : XX/XX/XXXXXXXX  Social Security : XXXX Thank you for taking the time to look into these, I am very excited tohear back from you! 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

My Sofi XXXX credit card was stolen on XXXX when my locker was broken into while I was at the gym. I was contacted by the Fraud Department through text of a possibly fraudulent transaction at XXXX for {$500.00}. I texted back that I had not made the charge, and I also called and reported the theft of my wallet. I was assured that the charge would not go through. The charge posted to my account on XX/XX/XXXX. I have called twice to try to resolve the issue, but as of XX/XX/2022 ; Sofi has still not removed the fraudulent charge from my account. I have written a letter to Sofi disputing this charge and included a copy of the police report number. Please help me resolve this dispute as I am supposed to be protected by the Fair Credit Billing Act, as well as XXXX Zero Liability Protection for fraudulent tranasctions.
Product: Credit reporting or other personal consumer reports

I thought dealing with a tough economy was stressful, but then I took a look at my credit report, and it turns out thats a whole new level of frustration. The amount of inaccurate information I found is unbelievable, and its dragging my credit score down for no reason. Its exhausting trying to fix these errors, and honestly, if I needed to see a therapist for the stress, I couldnt even charge the session to my card without it getting declined because of these mistakes. All I want is for my report to reflect reality, not a string of errors that are making my life harder.