23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Once again Caine & Weiner, you are XXXX me off.You are violating my consumer rights under congress. Im advising you that you cure this with me privately before I pursuit litigation. You stated in my previous cfbp case XXXX that it was a duplicated and it is not. Once again you're giving me false and misleading information and you did not provide me proper validation. I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( XXXX ) ) ; Uniform Commerical Codes, Federal Fair Credit Reporting Act, and Florida State Statutes for Lawful Purposes. 3.A copy of the contract signed by both parties and therefore binding both parties. 4.Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. 5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under The Money Laundering Regulations 2007 and what actions s/he has taken in relation to this account
Product: Checking or savings account

I am writing to file a complaint against Navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized I was charged fees due to lagged posting of charges and credit. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds I believe these practices are unfair and request and investigation into my account transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to place credit security freeze with all three credit reporting agencies online. XXXX and XXXX went successfully without any hiccups. Both companies websites were straight forward and went without a hitch. Experian, on the other hand, has been a nightmare. They try to upsell you at every turn and the option to place a freeze is obscured. Eventually, did find the link to place a freeze. After inputting all the required information, just as I had done with the other two agencies, the system stated that I could not do so online and that I would have to mail in the request via mail. The problem is they want sensitive information in the mail and do not feel comfortable doing so. Also when I called, it states that I have a freeze currently, but the website states differently. Can not believe how shady their operation is.
Product: Credit reporting, credit repair services, or other personal consumer reports

NO, THIS IS NOT A DUPLICATE. This complaint is in response to Experian 's 12-day " investigation '' into INQUIRIES that are ILLEGALLY REPORTING in my credit file, as they do not have permissible purpose to be there! I KNOW MY RIGHTS AS A CONSUMER. I KNOW THE LAWS IN PLACE TO PROTECT ME AS A CONSUMER. Experian dismissed consumer law in order to protect their illegal actions against my credit file! They responded to a previous complaint ( which was submitted on XX/XX/XXXX ) on XX/XX/XXXX with complete nonsense : " The inquiries shown on a credit report are a factual record of the companies who have accessed and reviewed a consumers profile. They are only logged on the report, when in fact, an inquiry was made. A record of this activity, pursuant to federal law, must remain a part of record. Please note that Experian does not receive a copy of any applications made to credit grantors. '' Who were the inquiries made by, Experian? Who requested and signed for an inquiry to be made -- if there's even a signature?? You wouldn't know BECAUSE YOU DON'T EVEN KEEP RECORDS! ANYBODY can pull a file and LEAVE IT THERE ILLEGALLY. You even state that you do not have any record of applications -- NO PROOF. Aside from the matter of lack of permissible purpose, how are these inquiries " factual '' when you have no proof??? Reporting random info from companies doesn't make the content right or legal! You're also ignoring the FACT that inquiries are supposed to be removed if they're not there as a pull for EMPLOYMENT, INSURANCE, COURT ORDER, or IN CONJUNCTION WITH A SOLID OFFER OF CREDIT. What you ACTUALLY do is use faulty 3rd parties, XXXX and XXXX XXXX XXXX , XXXX ( XXXX ) in order to " verify '' info, which is extremely dangerous and negligent! You didn't put that in your ridiculous response though! Aside from needing to be deleted due to lack of permissible purpose, you also don't say that you ACTUALLY ignored/dismissed my inquiry dispute, citing " factual record '', not even truly investigating whether or not these inquiries actually belong to me! Why allow consumers to rightfully dispute inquiries ( as we can do with ANY info reporting in our credit files, from addresses to incorrect, illegal info, and violations ) when, according to your deliberately misleading response, inquiries " must remain '' whether illegal, false or not!? LASTLY, I also know for a fact no real investigation was done because there's a 'XXXX  XXXX XXXX  ' inquiry done on XX/XX/XXXX, yet, here we are on XX/XX/XXXX AND IT STILL REMAINS days after it was supposed to come off simply TIME-wise on XX/XX/XXXX! IS THIS STILL " FACTUAL INFORMATION '' THAT " MUST '' REMAIN? Whether it's expiration or lack of permissible purpose, there are INDEED legal grounds for the removal of inquiries! What you all are doing is ILLEGAL. Experian, YOU are reporting this information ; this information is affecting my credit & financial status, and you have a responsibility to TRULY do right by consumer law and report info THAT ACTUALLY BELONGS! THESE MUST BE DELETED IMMEDIATELY.
Product: Debt collection

Flagship and I have had a disputed over who owned a car that Flagship states I and was under contract with Flagship.

Flagship wrote in 3 complaints made to the agency the car would be removed from my credit however it has remained on my credit and has affected it negatively. I have since file suit for the car however my car is still being affected by Flaggship.
Product: Checking or savings account

around XX/XX/2020 i received an alert that my checking account was close pending. I proceeded to go to a Chase Bank branch and spoke to teller about the issue. The teller was able to open a new account and transfer the funds from the old account into the new one. Everything was fine with the account.Two weeks go by and on XX/XX/2020 i see that the bank has withdrawn my initial two deposits from my new account, causing it to be over drafted. What the bank has told me is that the system issued the close pending check for the old account using the funds from the new account. Today is XXXX XXXX and i am still fighting the bank to release my money back into the account, and every time i speak to some all the do is escalate the review and tell me to wait another 2 or 3 days. I just got paid on XX/XX/2020 and i did not get to see XXXX penny of that paycheck because of the over drafted account.
Product: Debt collection

Apartment complex sent {$730.00} to debt collection against me. XXXX had denied apartment managers claim and I was cleared upon move out almost 2 years ago. XXXX decided to still illegally submit debt and not notify me. I received no notice. I found out about this debt yesterday XXXX XXXX 2015 when applying for a new apartment out of state. So I was never given the option to dispute this which is not legal especially with the way it was reported. I would like to take steps to dispute it but also need to be able to get out of staying in a hotel. I need to know if I pay it to clear my credit if I can still dispute it immediately after
Product: Debt collection

This is in reference to previous case XXXX. Company deleted erroneous negative debt and then added a dollar to amount an reposted it to XXXX.
Product: Checking or savings account

XXXX of my cds with synchrony bank became matured I submitted the transfer to my XXXX acct. the acct showed a transfer XX/XX/XXXX, it then got rerouted back to synchrony, I then called I gave the information over the phone to have the funds placed in my XXXX checking I was told once again this will take XXXX to XXXX days, once again the funds got rejected and went back to synchrony, I called on XXXX XXXX the XXXX I was told the funds XXXX returned because my checking acct wasnt on file so I submitted again for my XXXX savings acct which was on file, its now XX/XX/13 and no funds received? I called scoring again she the associate stated it was transferred and, I should wait till the XXXX if it doesnt show up to call again?? Are you kidding me, I need my XXXX now Im tired of being misinformed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked up my credit report and seen an alias name under mine that I had never used. It was my mother. The last name XXXX is her last married name I dont even know how to spell it right. When I was a teenager my mother had asked me for my social security number and I gave it to her because she was my mom and wanted to claim me on taxes because I was supposed to be living with her but we didnt work out so I never knew she used my information. I never lived in Ohio the longest I was there was a month and a half. I want to fix it because I have no clue what she did?? I do know she applied for bankruptcy when I was there that she still was going through that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a private loan with XXXX XXXX XXXX XXXX. The total amount of the loan is {$9600.00} and I've been charged on the XXXX of each month since XXXX XXXX currently having a total past-due balance of {$720.00}. 

I was not informed that this type of loan was not covered under the Biden-Harris Administrations Student Debt Relief Plan. As a result of not knowing this information, my account went into a past-due status and hit my credit twice. I made no arrangements to place this loan on a deferment had I known I would have taken the required steps to secure that this would not go into a past due status. I am still a full-time student and am currently submitting a deferment document to the lender. I called the current lender XXXX requesting copies of all the notices that were sent to me and was advised by a rep named ( XXXX XXXX that they have no way of issuing a copy of that information. I find that very concerning and feel that this could have been avoided simply by communicating and giving proper notice and explaining to me that it won't be covered under the Biden-Harris Administrations Student Debt Relief Plan, and yet those original documents can't be provided to me. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports.
Product: Checking or savings account

Chase Bank did not deliver on its {$900.00} promotion for opening up accounts even though I completed all the outlined steps. I opened up my Chase bank Checking and Savings account on XX/XX/XXXX during a promotion that said I would receive a {$900.00} bonus if I complete the steps outlined ( included in my supporting documents ). I completed all the steps and they failed to provide me with the full bonus. As of now it has been several months since the time it should have been deposited in full. They only provided me with {$200.00} ( included in my supporting documents is my account history ). 

Chase bank closed my Checking account at first without warning around XX/XX/XXXX. The reason they gave for closing my account afterwards was that it was not funded for 60 days. And because of this I lost the bonus. This was not stated in the bonus terms or any terms the bank proved to me. As shown in the supporting documents the bonus terms said I had 90 days to make a direct deposit into that checking account. I also included the supporting documents that show that I was given no notifications that my checking account was going to be closed if I did not fund my account in the 60 day time period. 

I then met with Chase Bank in person 3 different times at their location at XXXX XXXX XXXX, XXXX, MA XXXX. I was told there that my checking account was to be reopened and my full bonus provided. My full bonus was never provided to me. Because they continued to promise me the full bonus and I was told that I completed the steps, I waited to transfer my funds ( {$15000.00} ) to a bank with a higher interest rate, losing me money. 

Dates I visited the Chase Bank for an appointment to discuss this issue : Friday XX/XX/XXXX, Friday XX/XX/XXXX, Wednesday XX/XX/XXXX, XXXX
Product: Credit card or prepaid card

I was struggling to make my monthly payments. I always answered their calls because we were trying to figure out a solution so I wouldnt lose the account. I rec. a email from Fortiva Credit Card Co. on XX/XX/XXXX entering into an agreement with me to get my card current. Fortiva suspended my card not over the limit but going on 3 months late. It states that I need to pay the {$460.00} by XX/XX/XXXX. On the very next day after the email, I made a payment of {$100.00}. I called who I thought was customer service to make sure it went through ok thats when I'm informed my acct is closed, the rep. I spoke to never said he was in collections, very deceptive. I told him I never rec. a email or notification it was closed, he said wait for the payment to clear and call customer service again to see what they can do. The payment has cleared I called them today XX/XX/XXXX the rep said yes your account is closed, I asked her when did that happen, she never gave me an answer, I told her I rec. a email about my account being suspended and the agreement to keep it from closing which I began to honor. The rep said we sent a email I told her to find it, she couldnt. I asked for a manager, I also told her about the XX/XX/XXXX email for suspension and agreement that I made a {$100.00} payment towards, but all she kept saying was read your agreement, yes I did the email agreement, then she said we sent you a letter, asked when, she couldnt say because they never sent one im sure one will go out on XX/XX/XXXX. even if you go to their website or app it still looks like my account in open. I explained to the manager, sending that email with that agreement approved by Fortiva is binding and I honored it by making {$100.00} payment this credit card company is very deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account.
Product: Money transfer, virtual currency, or money service

on XX/XX/2023 someone XXXX {$3400.00} to XXXX ( I dont Know this person ) trough my account, when I realized that someone it was stealing money for my account I went straight to Bank of America in XXXX XXXX , asking the bank of America manager to stop the transaction, but they said i had to call XXXX , I called in front of the Bank of America manager, and they said that they wouldn't promise anything, so the put my bank account under investigation for XXXX week, so I couldn't get money or anything for XXXX weeks, after the XXXX weeks they call me saying that they would give my money back, now I have - {$1500.00} dollars in my account and the bank asking me now to pay the overdraw, I need someone to help me to get my money back. I asked the bank about the documents of the investigation they promised to send to me but they never did it XXXX more thing the email they used to do the trasactions its not mine my email is XXXX, they used XXXX it means the bank has some issues with emails Im begging here for help, the money they stole for my account it was my rent that ti me! 

thank you and I hope I will get money back My name is XXXX XXXX my cellphone is ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous item listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These item must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these item, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiryXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX SELF-REPORTED Account Number : XXXX ; XXXX SELF-REPORTED Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXXXXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX.
Product: Mortgage

I started the process of refinancing to cash out equity with XXXX XXXX XXXX on XXXX XXXX, XXXX. I was told that I called in at the " perfect time ''. The lender was offering a 2 % lender credit with a rate of 3.85 %. Plus the loan officer found a way to get the lender to pay for an appraisal. My appraisal came in and everything looked great. We were then informed that our loan amount would put us in a jumbo loan and that the rate would be much higher, no lender credits would be given and the {$1000.00} appraisal is now on us to pay at closing. I feel like this is bait and switch. The facts on our end have n't changed. Also to be noted is that the switch happened nearly a month in and it 's now been 56 days with still no closing date in sight.
Product: Checking or savings account

My identity was compromised by a scam company and the bank cleared a check then several days later decided the check was no good. You now have a negative balance. Theyre claiming they arent at fault and said they would freeze the account, but havent there are items they are posting against the account including your workmans comp payment. I used the mobile deposit option on the Bank of America banking app to deposit a check on XX/XX/XXXX for the amount of {$4700.00}. BOA made the funds available to me before verifying the funds. I contacted BOA multiple times to check the status of the deposited check and they assured me that the check was verified and that there were no problems with the funds. On XX/XX/XXXX the {$4700.00} check was returned and my bank account was put into a negative status. I contacted the bank about the fraudulent activity and requested that the account be frozen prohibiting any transactions in and out of the account ; they requested that I file a report with their fraud department which I did before freezing the account. I've contacted them multiple times about resolving the negative balance when the bank is responsible for verifying the funds from the check before making the funds available. BOA insists that there is nothing they will do to rectify the situation regarding the negative balance when they are responsible. On XX/XX/XXXX a deposit of {$400.00} is being processed into the account, no money is supposed to be processed into or out of the account. BOA is not rectifying the situation. I've contacted the bank several times, most recent on XX/XX/XXXX and was informed that there isn't anything they will do to rectify the situation and the consistent misinformation their representatives have been giving me.