23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently received a notification from XXXX XXXX that my personal information was exposed during a data breach taking place earler this year. I also received a notification that a creditor on my credit report ( XXXX XXXX XXXX XXXX had a data breach where my personal information was exposed. I have an inquiry on my credit report that I did not authorize or solict their products. XXXX XX/XX/2023 and XXXX XX/XX/2023. These are unauthorized inquiries and I would like to see documentation from the creditor with my signature authorizing these inquiries. 
I have no current business, past business with XXXX and no current or past business on my credit file with XXXX.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Closed Accounts : XXXXXXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I had several fruadulent charges on my paypal account. Paypal has not correctly resolved my disputes and are in the act of making me pay for charges that were all unauthorized. I have had to re open XXXX recent disputes due to the charge back from paypal. I believe paypal is purposely taking there time and bullying me into not being able to use my account. The following charges I have investigated myself and are fraudulent and paypal is still investigating the charges. 

XXXX {$38.00} USD Unauthorized transactionXXXX XXXX, XXXX XXXX {$6.00} USD Unauthorized transactionXXXX XXXX XXXX  XXXX {$21.00} USD Unauthorized transactionXXXX XXXX XXXX XXXX {$6.00} USD Unauthorized transactionXXXX XXXX XXXX XXXX {$23.00} USD Unauthorized transactionXXXX XXXX, XXXX XXXX {$33.00} USD Unauthorized transactionXXXX XXXX XXXX XXXX {$25.00} USD Unauthorized transactionXXXX XXXX XXXX XXXX {$240.00} USD Unauthorized transactionXXXX XXXX XXXX  XXXX {$68.00} USD Unauthorized transactionXXXX XXXXXXXX, XXXX XXXXXXXX {$14.00} USD Unauthorized transactionXXXX XXXX XXXX
Product: Student loan

My daughter has XXXX private loans, initially thru XXXX XXXX, and now those loans are being serviced by Navient. Since the loans became due ( XXXX ), monthly payments have been made. When the loans were serviced thru XXXX XXXX, a lower interest rate was negotiated, which helped lower the monthly payments for one year. Since Navient took over servicing, they will not work with us to lower the interest rates ( 6 % and 8.125 % ). Since XXXX XXXX, Navient has also applied the total monthly payment to interest. When I contacted customer service, I was told this was to pay capitalized interest. To date, they have applied {$3500.00} to interest. The amount of the loan never gets lower. When I go back thru the history of the loan, 'capitalized interest ' has always been a line item in the detail, but there is no line item for the amount they claim is interest. The payment for the second private loan is always applied to both principal & interest. Navient customer service is absolutely NO HELP in resolving this issue. And, I do n't know who to contact for assistance. I am repaying these loans in good faith, and I want the correct portion of the {$3500.00} that 's been applied ONLY to interest, to be applied to the PRINCIPAL of this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

The debt collector XXXX XXXX XXXX, reports two collections as open, loan account types with the balances and past due amounts of {$2000.00} and {$2200.00}. I disputed the accounts online XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I disputed the inaccuracies with XXXX XXXX XXXX at XXXX XXXX XXXX XXXX GA XXXX XXXX by XXXX XXXX mail XX/XX/XXXX XX/XX/XXXX. I requested validation of the alleged loan they contacted my mother about. I responded I asked the debt collector to cease and desist because they could not validate the request for complete or accurate information after 45 days. XXXX XXXX XXXX continued to update all of my credit reports with the two loan balances beginning from XX/XX/XXXX to all credit reporting agencies saying the consumer disagreed. During the dispute the items were not removed. on XX/XX/XXXX, and every month the same inaccurate unverified information is updated. Each dispute I submit has came back verified. XXXX deleted the account approximately XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN, XXXX Re : Opt-Out Request for Account Number : XXXX Dear XXXX, I am writing to exercise my right to opt-out of information sharing as stipulated under various federal privacy laws, including but not limited to 15 U.S.C. 6805, 15 U.S.C. 1681b, 16 C.F.R. 313, 16 C.F.R. 313.7, 15 U.S.C. 6802, and the Privacy Act of 1974.

Per the Fair Credit Reporting Act ( FCRA ), as a federally protected consumer, I am now opting out of any or all authorizations I, the consumer, may have previously granted, whether written, unwritten, verbal, or non-verbal, under 15 U.S.C. 6802. This includes any permissions for sharing my personal and financial information with third parties. 
Please ensure that my personal and financial information is not shared beyond what is required for maintaining or servicing my account, and confirm in writing the acknowledgment of my opt-out preference. 
Thank you for your prompt attention to this matter and for respecting my privacy and rights as a consumer. 
Sincerely, XXXX XXXX
Product: Checking or savings account

Capital One, Account # XXXX. On XX/XX/2022 there was a wire transfer of $ XXXX {$30.00} fee taken from my account. I called them several time but all they said that this was FRAUD. Someone at the company that this was from a mortgage company. I sent them a rentals agreement that we have but of no use. Also called XXXX XXXXl and no response. My wife found out that they had paid a refund to individuals. Since this was done, I didn't not send this complaint in.
Product: Debt collection

They call me on my cell phone number and my business number multiple times a week including up to 3 times in a day on each line for a total of 6 calls in a single day and they are far exceeding the 7 times in a week as the same pattern happens week after week.
Product: Debt collection

I saw a collection on my credit report by XXXX. I had already paid my school what I owned them. When contacting them on XX/XX/XXXX I informed them and they refused to remove it from my report. I informed them they were reporting it a debt paid and they did not collect the debt. I asked both the person who answered as well as the manager. Did you collect the debt? She just have a contract with the school. I asked again You have this on my credit report as paid to you. Did you collect the debt? Same answer this time she was being an XXXX and goes " Did I collect the debt personally ''. Also their letter they send out to people has a XXXX number. Basically on purpose forcing someone to call their XXXX area code number. I contacted the school and they even cleared the debt so there is no debt for this XXXX company to collect not can they legally report it on any of my three credit bureaus. 

Trying to select XXXX is says do not use.. The company I am is XXXX aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX @ XXXX
Product: Credit card

On XX/XX/XXXX the customer received an email solicitation from Discover Card with the subject line " Earn extra Cashback Bonus '' and an offer to " Just spend {$150.00} or more and redeem rewards with XXXX by XX/XX/XXXX ''. 

The main text of the offer reads : " Make your Cashback Bonus work for you this holiday season. Get an extra {$10.00} cash back when you redeem any amount of Discover rewards at checkout with XXXX. Purchase ( s ) must total at least {$150.00}, including the redemption amount. Offer expires XX/XX/XXXX. '' Additional terms begin with " Offer valid through XX/XX/XXXX. Earn {$10.00} Cashback Bonus when you spend {$150.00} or more using your Discover Card with XXXX and redeem any amount of Discover rewards at checkout. A redemption value of any amount over zero is valid. Purchase requirement can be reached in a single purchase or multiple purchases. No Activation required ... '' Pursuant to the offer, the customer made a purchase using XXXX with Transaction ID XXXX in the amount of XXXX USD. According to the Discover website and as printed on account statements provided to the customer by Discover, the purchase posted to the account on XXXX XX/XX/XXXX. 

Pursuant to the offer terms, the purchase was completed with payment split between the Discover card account ending in XXXX that was solicited for the offer and the Discover Cashback Rewards account associated with that credit card account. 

This is reflected in the purchase receipt ( excerpted below ) and the Cashback Rewards that were used to complete the purchase were deducted from the customer 's Discover rewards balance accordingly. 

Paid with Discover it ( XXXX XXXX XXXX XXXXXXXX ) You'll see " XXXX XXXX '' on your card statement. {$150.00} Discover Cashback Bonus XXXX {$0.00} On XXXX XX/XX/XXXX customer noticed that the rewards had not been posted to the Cashback Rewards account " within two billing periods of the end of the promotion '' per the terms of the promotion. 

Customer contacted Discover, first through the online chat interface provided on discover.com. The customer was connected with XXXX in Illinois who did not resolve the issue but directed the customer to contact Discover at XXXX. 

Upon contacting Discover immediately thereafter, customer described the issue to the customer service agent who informed the customer that they would need a few minutes to perform additional research. Customer was disconnected from Discover.
Product: Debt or credit management

Led me to believe my personal loan total charges would be ~ {$7000.00}. Upon further realization, I'm being charged 25 % interest for total fees around XXXX. On top of payments already made to Alleviate Financial.
Product: Student loan

I BORROWED A STUDENT LOAN {$21000.00} APPX. IN 2008 TOWARDS THE UNIVERSITY FEES. 
PROVIDED ME A ( XXXX. ) FALSE CERTIFICATION AND SCHOOL WAS NOT ACCREDITED IN THE USA. 
I COULD NOT GET A JOB OR CONTINUE FURTHER EDUCATION ON THE BASIS OF THAT CERTIFICATION. 
UNIVERSITY : XXXX XXXX  XXXX XXXX XXXX. 
LOAN SERVICER : AMERICAN EDUCATION SERVICES. 

YOU ARE REQUESTED TO HELP ME DISPUTE THIS LOAN.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX XXXX and XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting or other personal consumer reports

Have tried multiple attempts to downgrade/cancel my membership with freecreditreport.com aka Experian and am unable to do so. I can update/manipulate anything on my account online but when I try to cancel or downgrade my membership it's a perpetual circle. I can not cancel online, I can not cancel when logging in from my phone and I can not get anyone on the phone. This appears to be a deliberate and deceptive trade practice so the consumer will give up and continue to let them bill. I will pursue a stop payment on my credit card since it will not allow me to delete my payment method on their site. Given their history of deceptive business practices I would imagine this is a widespread problem affecting their entire customer base and they should be fined and the business practice eliminated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX were fraud accounts opened directly after a bankruptcy with my ID. they received my FTC ID theft reports and failed to remove and are damaging my credit. I have requested both Equifax and XXXX to provide PROOF of verification, not just computer checks and they failed to provide proof. Both of these accounts are damaging my credit and calling and speaking with them is useless. XXXX received my complaint and failed to file arbitration as requested and stated they are not required, however per the contract they sent, arbitration is indeed listed. XXXX refused to take my call and rejected all attempts of letters and proof of ID theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX {$420.00} XXXX  XXXX NA XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX  NC XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX ) XXXX : {$420.00} XXXX XXXX XXXX AV XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX Balance XXXX {$0.00}
Product: Checking or savings account

I opened an Ally checking and savings account on XX/XX/year>. I set up my online banking and I funded my account by deposit a check in my savings and a check also I deposited a check in my checking account on XXXX the XXXX. I got a notification that my check would be placed on hold until 5 business days which is today XX/XX/XXXX. Later on the day of XX/XX/XXXX I received an email saying my phone banking pin had been changed and I also got a message saying that my checking and savings will be restricted because they detected unusual activity it also said to call to verify some information. So I called about 5 different times and got 5 different answers from each representative one of them said my account is under investigation and I am assigned to a investigater and that they will call if they had questions I also verified all of my information when I called and gave them my security word also but my investigator was very rude and was also discriminating me because I have a deeper manly voice. He hung up and told me not to call back and there is nothing that can be done. But mind you the first person I talked to said the restrictions will lift after the checks clear all the way which is Monday XX/XX/XXXX which is today I would not advise anyone to bank with ally bank they will try to steal your money. I also included proof and verification with this submission and proof that the check belongs to me with my documents supporting the check so I REALLY NEED MY RESTRICTIONS LIFTED FRAUD DEPARTMENT IS REFUSING TO ASSIST ME AFTER IVE EVEN VERIFIED MY INFORMATION SEVERAL TIMES I AM ABOUT TO LOOSE MY HOME BECAUSE I CAN NOT ACCESS MY MONEY. THE NEXT STEP IS LEGAL REPRESENTATION BECAUSE THIS IS NOW BECOMING A FRAUDULENT SITUATION OR A THEFT/LARCENY BECAUSE THERE IS A EMPLOYEE OR SUPERVISOR TRYING TO STEAL MY MONEY
Product: Credit reporting or other personal consumer reports

Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I am writing to dispute the following information that appears on my XXXX, XXXX, and Experian consumer report 's. 

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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX 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 an account without my written instructions
Product: Mortgage

I mailed a check in the amount of {$2600.00} on XX/XX/2021. {$610.00} was the regular payment with {$2000.00} going toward the principal. It cleared my bank on XX/XX/2021, but was never applied to my account. I have phoned the company 4 times, e-mailed twice ( with a copy of the cancelled check ), and mailed a letter ( with a copy of the cancelled check enclosed ). The last call I made I talked to XXXX. I asked to speak to a supervisor or anyone who could actually do something to correct the problem. He said no supervisor was available and even if there was one they would tell me the same. The company has all the aforementioned documents, but the amount has not been applied to my account. The phone call before that was to a XXXX who said it would be expedited and applied to my account no later than XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I desputed this XXXX account XXXX and its still reporting inaccurate information and violating my rights under the fair credit reporting act. 1.Date opened is inaccurate. 2. High credit is inaccurate. 3. Last reported is inaccurate 4.Date last active is inaccurate 5. Date last payment is inaccurate 6. two year payment history is inaccurate. and my rights violated under 15 U.S. Code 1681a-Definitions ; rules of construction ( 2. ) Exclusions-Except as provided in paragraph ( 3 ), the term " Consumer report '' does not include- ( A ) subject to section 1681s-3 of this titile, any - ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report. 15 U.S. 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) reporting information with actual knowledge of errors.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 with out my written instructions 15 U.S.C. 1681c ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to 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 yrs.
Product: Debt collection

I have reached out to Midland since XXXX XXXX, 2020 in regards to an account on my credit report. When I call they inform me my account has been placed with XXXX  and their webpage says this as well. I called XXXX and emailed and was told they do not have the account that it was sent back to Midland and directed to contact Midland. Midland still shows it is with XXXX  and gives me their number to call. I can not verify this debt and if I was to verify and confirm ownership I am not able to pay it as no one has the account and keeps referring me back and forth. This is causing a hardship on my family and my credit and neither company will give me the opportunity to resolve and gain information requested. 
I emailed and Called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I do not know where else to turn and will start emailing the support line at XXXX daily until I can receive a response.
Product: Debt collection

In 2016 I settled an outstanding XXXX XXXX bill and negotiated an amount and paid it in full. The debt collection agency ruined my credit with this and my credit report reflects it was paid in full. I added a statement to my credit report explaining what occurred. Now 5 years later they are again trying to extort money from me. This has to cease ; they can't just continuously harass me about a 5 year old debt that was settled. This is fraudulent practices and someone needs to stop this extortion and fraud.
Product: Credit card or prepaid card

Credited a disputed unauthorized transaction but did not reverse two late fee 's and interest. 

Also reported this account late to the credit bureaus on my account and my authorized users account.
Product: Checking or savings account

Chase has continually mislead me when discussing several things with reps since the day that I opened the account. When I opened my account I deposited a $ 5k+ check and was told that the funds would be available the next day. They were not. It took me calling and speaking to a supervisor and advising them what I had been told, and that this was a violation of The Dodd Frank Act to be told something that is misleading, to get the funds made available.

Consistently throughout the life of the checking account, I have had their reps tell me information that was either completely false, or totally misleading.

As of late, I have had trouble financially due to losing a job and being on unemployment. It was not uncommon for the state to delay funds. Sometimes I accrued NSF fees because of the delays in receiving my unemployment. Generally I would bring the account to a positive balance within 24-48 hours of being charged a fee. If I called in and spoke to a rep, I could get the fees waived. On more than one occasion, I would be told that the fees COULD NOT be waived, but on the same phone call would ultimately end up with someone waiving they fees.

I feel that this practice of telling someone no, but then yes, is unfair and misleading. At what point am I to know when the line has been drawn? And given my financial situation, is it fair to be charging someone such astronomical amounts of money for being overdrawn for 24 hours? Should it cost me {$34.00} per transaction? What kind of interest rate is that?

Above all, when speaking to their reps and supervisors, it is incredible to me, that they are totally unaware of what the Dodd Frank Act is. The last supervisor I spoke to told me that she was unaware of who the CFPB was.

It seems as though Chase, as a company is not concerned at all with avoiding violations of the law. If they dont train their reps or supervisors what a law is and what it does not allow, how can they avoid violating the law?