23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XXXXXXXX XXXX2022. I Told the credit bureaus to " Investigate every piece of information '' on the accounts I have listed below. The Credit bureaus stated my account was properly invested but how is that possible if the accounts have multiple inaccuracies. Also I have attached the letter I sent out and here is the Tracking # XXXX According to the FCRA The term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the Consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of information.

They Also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. States a consumer reporting agency can not furnish a account without my written instructions.

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; Accounts : XXXX XXXX ( # XXXX ) XXXX XXXX ( # XXXX ) XXXX XXXX  XXXX ( XXXX XXXX ) XXXX XXXX XXXXXXXX ( XXXX XXXX ) XXXX ( # XXXX ) XXXX XXXX ( # XXXX ) XXXX  ( # XXXX ) I'm requesting a XXXX dollars per violation or Deletion of the accounts
Product: Credit card

I have a specialty Visa with Chase bank. A few months ago, I took advantage of a balance transfer offer that they gave me and transferred a $ XXXX balance to that card ( which previously had a {$0.00} balance ). A month later, I used that same card to take a vacation with my son. This particular specialty card provides XXXX XXXX discounts when used at the vacation destination that we were at. So it made sense for me to use that card in this instance as well. 

For the last couple of months, I have made payments of {$1000.00} or more each month expecting that those payments would be applied to the highest interest balance on the account ( what I charged on vacation ) as is required ( from my understanding ) by law rather than them being applied to the XXXX XXXX balance transfer balance. I noticed today however, that of the {$1300.00} I paid last month, {$890.00} of those payments were applied to the XXXX XXXX balance transfer and only {$400.00} was applied to the roughly {$6000.00} 19.49 % interest rate balance. 

I contacted Chase several times because the answers I was provided on a couple of the calls didn't add up to " math '' and what was on my statements. I finally spoke to an escalations person who informed me that " normally '' they would apply payments to the highest interest-bearing balance on the card but since I took advantage of a balance transfer, in the fine print of that offer, allowed them to only apply my monthly minimum payment to the higher interest balance and any overages I pay would go to the XXXX XXXX balance transfer. She also informed me that there was no way they had to allow the consumer to call or through their website to make any payments and designate which balance to apply that to. 

So basically, I will be unable to pay off the higher interest balance until I pay off the XXXX XXXX balance transfer. This allows them to continue to charge the 19.49 % interest on the other part of my balance. Which pretty much makes the balance transfer savings pointless. While I'm not sure if this is legal or not, if it is, it shouldn't be. Nowhere evident in the balance transfer process was I informed of this process or change to the standard payment application process on the card. There have been tons of laws requiring " truth in lending '' to consumers through credit card statements and loan applications so I can't imagine that this isn't borderline illegal. I am happy to provide any additional information needed.
Product: Student loan

Hello! 
I recently resubmitted my income verification for XXXX, which I have been using for years. Navient responded and said I was ineligible for XXXX because I have a PLUS loan -- -but I have been doing XXXX for years. I have submitted several complaints over several weeks to Navient and I have not heard back. If they do not make the correct changes, I will be billed over {$1000.00} in monthly payments. 

Thank you for your help!
Product: Checking or savings account

XXXX XXXX purchased a computer all-in-one from XXXX XXXX in XXXXXXXX XXXX New Jersey The next few days I realized that the computer had a malfunctioning processor. Unfortunately I purchased the unfortunately as an open box special the item was not eligible for return. I purchased it using the chime credit builder card which I thought was a credit card. It was not so the protections that generally come with a credit card do not come with this card even still I disputed the charge and was told that the dispute was moving forward. I was expecting a document that was for me to sign so that they would have to do a deeper investigation I never got one. 
Expecting a provisional credit I never got one. 
I realizing that they didn't do a proper investigation I called many times cuz they didn't give me a provisional credit and also because eventually they denied my claim and I rebutted it. 
My account statement show no record of me disputing in charge this is a lie Not only did I speak to charge but I also appealed their decision and then filed another complaint of which there is no record of. 
Not only was I denied the ability to dispute a claim for a product that was described wrong and and did not function. The bank that I use was not really a bank it was a financial technology company and the protections that I thought that I held I did not hold and the card that I used which again I thought I had protections using I did not hold so I've been misled into an account that was not a bank also the card that I thought was a credit card was not a credit card. 
I've been misled by this company and in trying to get a resolution I have been misled hung up on lied to and not provided an Avenue to dispute a charge that was a very clear and no doubt a mistake on the vendor. I was not able to file a dispute because they didn't do what they were supposed to do and in calling them they kept and keep hanging up on me If it's a part of your investigation you would like to make a call to witnesses for yourself I would be more than happy to do so because they hang up on me every single time. 
It is impossible for me to give you exact dates and times I can however narrow it down because I did write down many of the names that I spoke to. 
I'm going to call XXXXXXXX XXXX see if they might help me but I'm not very hopeful and I'm going to be submit this complaint let me know if there's any information that you need further
Product: Checking or savings account

On XX/XX/2023 I used my Citizens Banking App to deposit a check ... mobile deposit. I read the fine print and was situated to wait a few days for my money to clear. Five days later i receive {$220.00} out of my XXXX XXXXXXXX check and am informed that the rest of the funds will be available XX/XX/XXXX ... ... XX/XX/XXXX!? I don't even understand that's an entire week later than any other bank. This has cost me late fees and to be threatened with eviction for unpaid rent. I would really like an explanation as to why I should cope with those things and I've been to the bank to receive the rest of my money and nothing will be done and no explanation as to why my check is " suspect '' from my employer. Hands down it just seems criminal the amount of time I've waited to get to my own money no other bank would have taken this long.
Product: Mortgage

Hi there, I have a mortgage broker who reached out to NewFi prior to submitting the loan to them for a cash out conventional ReFi. The process started on XX/XX/2020 when the loan manager at NewFi stated they are a " No Nonsense '' lender. The broker asked for all the necessary mortgage info ( W2 's, utility bills, tax returns, etc ). We submitted everything. Now, I'm not sure on SOP for banks but they seemed to only respond to us every 14 days without giving much info or a conversation. What got to me was the banks ability to mishandle documents. We submitted our W2 's / Tax Returns four times with them, which has me worried that they are mishandling our documents with all of that sensitive information. The straw the broke the camels back for me was the 4th time asking in XXXX for information we sent in XXXX. They basically told our broker after that they find our loan too risky ( despite meeting all requirements, having perfect credit, etc ) and that they will not submit an official denial of the loan, that they'll continue to stretch this out and ask for random items. It felt melicious and that they were agists to us given we are a young couple purchasing a home. I feel they were judging my fiance because she is XXXX as well. Always commenting about how the income is from XXXX, etc. She is an American citizen, bottom line and that should not be of concern to them since we file tax returns in USA every year. 

I tried calling NewFi myself to file a complaint and the secretary mentioned there is no way for me to make a complaint. I asked for a leadership position and she mentioned that there is no way since no one is in the office. I asked for her to send my number to someone and about four hours later, I called again, told her I really needed to speak to someone and she said she'll send it through. Someone called eventually and this guy basically was a brick wall. I couldn't get anything out of him, no empathy to the situation at all, just said I have to talk to my broker. I told him the broker can't get a response out of the loan managers unless there's a full moon out ... 

The whole process was a waste of time when we could have been filing with an organization that would fund the loan at another bank. They however deliberately wasted out time, mishandled documentation, unprofessional, horrible SOP, and bad leadership team. Their communication policy needs a serious overall and I want to complain about anger they have put us through. We were always professional, responding with request within 24 hours and wanted to help push this along. It seems to me the banks are more than willing to take the money from the Fed at a cheaper interest rate but aren't interested in funding loans and will make up excuses to not fund them ( just like what happened to us ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX : XXXX, XXXX l XXXX XXXX XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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.

15 U.S.C 1681 c. ( 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

XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX : XXXX SSN : XXXX XX/XX/2021 Dear XXXX  XXXX XXXX XXXX, I'm writing this letter in regards to the above-referenced repossession account. I'm very upset that you are reporting this inaccurate repossession account on my credit report as it's really damaging my credit score. This inaccurate listing is a mistake either on your part or the furnisher 's part. 


Creditor : CALIFORNIA XXXX XXXX, Account : XXXX This account is continuing to report errors after you claimed to have verified it. I have reason to believe that you failed to conduct a re-investigation of my disputes. Therefore this account could not have been verified.Provide proof of any/all evidence that you actually conducted a reasonable investigation to ensure maximum accuracy of your reporting on my credit report or IMMEDIATELY DELETE THIS INFORMATION FROM MY CREDIT REPORT because this information is UNVERIFIABLE. 


Please update, modify or remove any account that is not reported 100 % accurately. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

NOTICE OF RIGHTS UNDER THE FAIR CREDIT REPORTING ACT To : Equifax, XXXX, and [ XXXX XXXX XXXX XXXX XXXX XXXX ] I, XXXX XXXX XXXX, hereby notify you that you are in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq.

As a consumer, I have the right to privacy and to control the sharing of my personal information. You, as consumer reporting agencies and a financial institution, have a legal obligation to respect my privacy and protect my nonpublic personal information ( 15 USC 6801 ).

You do not have my consent to furnish my consumer report or personal information to any third party. Any consent previously given, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked.

I was never informed of my right to exercise my nondisclosure option, as required by 15 USC 6802 ( b ) ( c ). Furthermore, you are reporting adverse information about me without my permission, in violation of 15 USC 1681c ( a ) ( 5 ).

You have a legal obligation to ensure the accuracy of the information you furnish to consumer reporting agencies ( 15 USC 1681s-2 ( A ) ( 1 ) ) and to maintain reasonable procedures to avoid violations of the FCRA ( 15 USC 1681e ). You are not meeting these obligations.

I hereby opt out of your reporting services, as is my right under 12 CFR 1016.7. I demand that you immediately cease furnishing my consumer report or personal information to any third party. 

Please confirm in writing within 10 days that you have complied with my request.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

XXXX credit cards were opened with my social security number without my knowledge on XXXX 
I have contacted the companies and attempted to have the credit cards closed, but there have since been additional balances added to the accounts. 

Account info Account name BEST BUY/CBNA Account number XXXX Account type Charge Card Responsibility Individual Date opened XXXX  Status Open/Never late. 
Status updated XX/XX/XXXX Balance {$2300.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$30.00} Credit limit {$2500.00} Highest balance {$2300.00} Terms - Account info Account name XXXX XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Open/Never late. 
Status updated XX/XX/XXXX Balance {$1900.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$30.00} Credit limit {$2000.00} Highest balance {$1900.00} Terms -
Product: Credit reporting or other personal consumer reports

I Am Filing A Complaint Against Equifax For Not Properly Investigating Disputes On My Credit Report And Taking Them Off
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION has my private information that includes account numbers, my social security number & more with out my consent. This is aggravated identity theft. They do not have my written instructions to furnish a consumer report and/or credit report. They are continuously willfully not complying with the law and ignoring my demands to remove XXXX XXXX XXXX XXXX from their system and off of my consumer report which they call a credit report. There were even addresses on the credit report that are not my address.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last XXXX of SSN- [ XXXX ] XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint Regarding Experian s Violation of 15 U.S. Code 1681c-2 ; 15 U.S Code 1681b Complaint Regarding Experian Intentional and Malicious Violation of 15 U.S. Code 1681c-2 FTC Report # XXXX ; FTC File Number XXXX and Demand for Monetary Damages from Experian for Willful Violation of the FTC Act Federal Form XXXX XXXX will Commence Report Number XXXX VIOLATIONS - {$4000.00} Per 15 U.S. Code $ 1681c-2, a consumer reporting agency shall block the reporting of any information in a consumer 's file that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

It has been XXXX  days, and you are in
VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Experian File dated XX/XX/2024, are listed as accounts with Adverse Information. This, again, is INCORRECT Experian is accused of violating 15 U.S. Code 1681c-2, which states that a consumer reporting agency shall block the reporting of any information in a consumer 's file that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

Experian 's consumer reporting agency violated 15 U.S. Code 1681b by reporting information on the consumer 's report without written instruction from the consumer. This is stated in the document, where the consumer explicitly states that they never gave any consumer reporting agency written consent to report anything on their consumer report.

Under 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I demand the deletion of the accounts listed immediately!

Best, By : SIGNATURE AUTHENTICATED Agent for XXXX XXXX Principal By Accommodations Without Recourse
Product: Credit reporting

first I never ever lived in XXXX, ,Mississipppi . Next I never apply for credit with XXXX Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

Company was never authorized to share personal credit reports with 2nd, 3rd or any parties not authorized by me myself or identity holder which is my according to credit reporting law, i would need your help and getting them to remove all this XXXX information on my credit report please
Product: Credit reporting or other personal consumer reports

I CONTACTED ... .NOTIFYING THEM THAT THE HARD INQUIRE FROM XXXX  XXXX IS INCORRECT ... ..I CALLED LAST YEAR AND THIS YEAR... EACH TIME THEY USE DELAY TACTICS TO DISCOURAGE ME...... ..ALSO THEY MAKE IMPOSSIBLE TO GET HOLD OF CUSTOMER SERVICE THIS ISSUE IS REALLY SIMPLE I CONTACTED XXXX  ABOUT THE INQUIRE, THEY TOLD ME " THEY DON '' T SEE ANYTHING ON THEIR END ...... I DO NOT OWN A CREDIT CARD OR LOAN FROM XXXX... 

I CONTACTED XXXX REGARDING THIS MATTER THEY DELETED WHILE I WAS ON THE PHONE .... 

TRANSUNION AND XXXX HAS THE REPUTATION FOR USING DELAY TACTICS EACH TIME ....
Product: Student loan

When graduated from school and joined the military, I consolidated my student loans in order to get into a payment program to be eligible for PSLFP. Now that I'm close to 11 years of service, only to found out that the payments made to Great Lakes Doesn't count. Each year I recertify my employment and was advised by the companies agents into the repayment type. I was always advised that these payments is eligible for the PSLFP, which is why I kept making them for YEARS!!!! 

I just want the payments I have made to be reflected in the total count. Why is this servicer still in business when it consistently shaft students and so many people in public service?
Product: Debt collection

Final bill amount for XXXX XXXX. Debt was sent to XXXX XXXX now known as convergent outsourcing. They never updated my account saying paid in full instead it was said I paid them to stop the phone calls. Misleading and dishonest and very disgusting. The amount was like {$370.00} or so. Payment made in XXXX of 21. T-XXXX  now refusing to unlock my phone because they claim a balance owed when it's not and it's not even on credit report. I initially received good standing letter but was lost in the years but they can't confirm. I don't have it on my credit nor is it in my closed files.
Product: Credit reporting or other personal consumer reports

I discovered some billing issues on my credit report that reflect late payments, which dont match my consistent payment record. Please correct these discrepancies and update my account. Thanks!
Product: Vehicle loan or lease

My loan terms for my car was misrepresented to me to induce me into buying my car. Once I realized this it was too late to cancel.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.