23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am enrolled in an automatic debit payment plan with Navient. They take XXXX out of my account on the XXXX of every month. They are claiming that I am late in my payments and charging me a late fee for my loans because even though the date they take the loans out of my account is on the XXXX, my due date is actually set up on the XXXX. This was unknown to me when I set up the payment plan. I have contacted them over 5 times about this and the past 3 attempts to fix it, someone at Navient has said they were going to refund my late fee and fix the issue however that has yet to happen. I am concerned because I am getting charged a late fee when I do n't feel like it is fair to charge me a late fee, and it is affecting my credit and also hurting my chances of releasing my co-signers which requires 24 months of consecutive non late payment. Navient has set up my monthly debit payment in a way that it is taking more money from me and making it impossible for me to advance further in my economic independence.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
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 XXXXXX/XX/XXXX
Product: Debt collection

Iam filing this complaint regarding an inaccurate items on my credit report that continues to negatively impact my credit on experience despite my efforts to resolve XXXX this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of XXXX this items, as it is incorrect and da creditors not reflect my true credit history. 

Accounts Names Account Number 1 ) Eastern account systems XXXX XXXX ) XX/XX/XXXX XXXX XXXX ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX  XXXX   XXXX. ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT FROM XX/XX/, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE REMOVE OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE BOTH NEGATIVE ACCOUNTS FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE NOR SUCCESS FROM EITHER OF THE BUREAUS. I DON'T UNDERSTAND WHY THESE ACCOUNTS ARE STILL REPORTING, IF THE ACCOUNTS AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THOSE ACCOUNTS IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNTS REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Product: Checking or savings account

JPMORGAN CHASE INC, XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX DENY ELECTRONIC FUND TRANSFERS ACT XX/XX/XXXX, 15 USC SUBCHAPTER VI SECTION 1693a :  DEFINITIONS ( 2 ) ACCOUNT AND ( 7 ) ELECTRONIC FUND TRANSFER AND SECTION 1693i : ISSUANCE OF CARDS AND OTHER MEANS ACCESS ( a ) ( 1 ) RESPONSE TO A REQUEST OR APPLICATION and ( 4 ) VALIDATION IN RESPONSE TO REQUEST ( MULTIPLY REQUESTS MADE WEEK BEGIN MONDAY XX/XX/XXXX TO END XX/XX/XXXX ) AND RETROACTIVE APPLICATION XX/XX/XXXX IN WHICH BANKER STATED CARD RECEIVED BY ( USPS ) MAIL 5-7 BUSINESS DAYS AND VALIDATED PER THE APPLICATION. ALLEGED DENIAL RESULT OF IDENTFYING XXXX XXXX XXXX CRIMES AGAINST ME ORIGINATE IN XXXX COUNTY, NY ; XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX, NEVER PROSECUTORS, NYC CIVIL COURT ARTICLE 81 CAPTION, AND EVICTION XXXX XXXX XXXX XXXX NY. AND UNCLAIMED FUNDS
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19- I received an alert that i had a missed payment on my credit report. Upon further investigation, again it was an account that was closed over two years ago. See attached screenshots for evidence. I have enlisted XXXX XXXX XXXX to help me settle this account. For the past year i have been making steady payment to settle this account.
Product: Credit reporting or other personal consumer reports

I recently while checking my credit reports notice that Capital One and XXXX were reporting late payment in which I was never late. Im very aware of metro 2 compliance and take my credit very serious. I have been damaged by these credit card companies reporting me late.
Product: Checking or savings account

I'm not sure if this is the correct site to file the complaint. I received a random text from a NJ number. The text read " [ Wells Fargo ] : Your online banking has been locked due to unusual activity. Please visit to XXXX XXXX XXXX XXXX '' From XXXX I do not have a wells fargo account so I knew this was bs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NOTIFIED XXXX XXXX ABOUT A FRAUDULENT ACCOUNT OPENED DUE TO IDENTITY THEFT BY EMAIL ON XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22. 
BY FAX XX/XX/22, XX/XX/22. 
BY PHONE CALL XX/XX/22 XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22. 
AND BY MAIL XX/XX/22, XX/XX/22, XX/XX/22 THE FRAUDULENT ACCOUNT IS STILL OPEN, AND BEING REPORTED TO ALL 3 CREDIT BUREAU 'S, AND WAS RECENTLY CHARGED OFF AND SOLD TO A COLLECTION AGENCY. 

I SENT AN FTC REPORT, A POLICE REPORT, AND ALL INFORMATION ASKED OF ME AND THE PROBLEM IS NOT BEING RESOLVED
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX / XXXX XXXX reported two missed payments ( 30 days ) on my mortgage which were due to errors within their own system ( auto draft ) as well as their inability to appropriately communicate these errors to the consumer by email, mail, or phone. This was disputed with XXXX as well as experian. The dispute changed nothing.
Product: Checking or savings account

I attempted to access my Truist Bank checking account through the Internet siteon Friday night XX/XX/XXXX about XXXX pm. It did not recognize my password. I am a former SunTrust customer. Everything worked just fine until they converted to Truist. So I tried to contact support and there is no one to answer my questions, only an auto attendant. I tried the PW reset feature and it did not work. I tried again on Saturday ... .working through the process, getting the message that send me a reset code ... .which they did, however, as soon as I received it I input it and their system said it was an expired code. Tried again, same result. Finally got all the way through the process and the system said " we're texting you a temporary PW ''. No temporary PW was received. Tried again. Same result. 

I can not access my account, can not check transactions or balance or pay bills through the account.
Product: Credit card or prepaid card

Yes my name is XXXX XXXX I have sent a security deposit of XXXX to open a citi bank secured credit card. I had it for a few days when i called to have help creating online banking for my card. Somehow they think i was fuard and blocked my card. Its been blocked sense the XX/XX/XXXX. I tried everything in my power to unblock it and the number i have on my account they stated they cant verify it. I dont have a landline im XXXX why do i need a home number. The early warning citi bank would not let me cancel my card even if i cant use it. Their service is very rude and the people that i have talked to isnt even american. So i would like my card closed and the refund of the rest of my security deposit thats left. Thank you. I will never ever do buisness with citi every again in this lifetime Horrible service.
Product: Debt collection

THIS COMPANY WHICH I HOLD NO CONTRACT WITH REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$980.00} WITH CREDIT AGENCIES AND ALSO SENT ME LETTERS, I HAVE REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDE ADEQUATE PROOF WITH MY SIGNATURE I DO NOT HAVE A CONTRACT WITH THIS AGENCY. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOOD OR SERVICES/BUSINESS THEY CLAIM THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROOF, I AM NOT OBLIGATED TO PAY FOR THE ALLEGED DEBT. I HAVE REACHED OUT AND SENT LETTERS SEVERAL TIMES AND ASKED THIS AGENCY TO VALIDATE THE DEBT THIS COMPANY IS CAUSING FINANCIAL HARDSHIP AS IT REPORTED ON MY CREDIT
Product: Checking or savings account

I have not received my Direct Deposit, and they are declining my card even with money in account. I have bills and groceries to pay for and can not because of their incompetence.
Product: Debt collection

For the last several years, I continue to get these emails from Speedy Cash to my work email. First, this was discharged in my Chapter XXXX bankruptcy in 2014. 
Also, they continue to send these emails with my personal information, saying there is a docket number ( case filed? ) I want this harassment to stop! I have made many attempts to cease this communication ( blocking emails incuded and they send from different email ) I have called and emails requests to stop and doesn't help.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX CT XXXX, TX XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; MI  XXXX XXXX XXXX Balance : {$5300.00} ; XXXX XXXX XXXX Balance : {$44000.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX  XXXX XXXX Balance : {$280.00} ; MI  XXXX XXXX XXXX Balance : {$5500.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$4400.00} ; XXXX  XXXX XXXX XXXX : {$390.00} ; XXXX  XXXX XXXX XXXX : {$2800.00} ; XXXX XXXX Balance : {$4500.00} ; XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXX  XXXX Balance : {$790.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX .
Product: Credit card or prepaid card

I had a Capitol One checking and credit card account. I had a dispute that was resolved in my favor and paid the balance of my account before closing it ( I even paid about {$100.00} extra to cover any late costs and interest. Later, unbeknownst to me, Capitol One reinstated the disputed charge while I was in the hospital. They even, again, unknown to me, gave negative information to the credit bureaus. My credit score has dropped from XXXX to under XXXX. I launched a dispute with both Capitol One and the credit bureaus and Capitol One has even aggravated the matter by telling the agencies that the charges were written off. Whereas before I would get pre-approved credit card offerings, I now get offers with 35.90 % APR. To add insult to injury, Capitol One owes me money as they never refunded the balance when I overpaid in settling and closing my account. Capitol One has overgone a perfidious change in its operations. Before, if a customer had a dispute, he could be sure that it would be resolved fairly. Now Capitol One automatically sides with the merchant. I purchased a computer on Cyber Monday that stopped working the next day. I sent it back and notified Capitol One. Two months later the money had not been credited back into my account. The reason : Capitol One stated that the merchant received the computer back in excellent condition, but I neglected to send it in the RIGHT box ; thus they had to decide in favor of the merchant. After nearly three months my money was refunded. There is another example that cost me {$3500.00} that Capitol One sided with the merchant after siding with me in a book publishing contract that the publisher woefully violated the terms of the agreement. The reason : We don't understand a term in the contract.
Product: Credit reporting or other personal consumer reports

I'm writing to file a complaint on Equifax!! I have been trying to view my credit score online for about 6 months now. I have sent several letter requesting that I be able to see my report. I have sent all the documents that they requested but I still can not review my report ONLINE! I should be login to any platform that offers Equifax monitoring and and updated report. But this company refuses to be in compliance.
Product: Credit reporting or other personal consumer reports

I did an investigation on my credit report and found several items in there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer
Product: Debt collection

This the only bill I received from XXXX XXXX, that I paid with my insurance this is not my debt, I was not notified of this debt before being placed on my credit bill the only bill I received from creditors and XXXX XXXX is the one Iam sending in
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, CREDIT ACCEPTANCE CORP # XXXX.
Product: Checking or savings account

I opened a Citizens Access Savings account at Citizens Access on XX/XX/2023. As requested online, I linked my checking account from other institution to newly opened account at Citizens Access. I authorized Citizens Access to fund the account by withdrawing funds from checking account held in other institution. Account was fully funded on XXXX.On XX/XX/2023, I requested to transfer funds back to the institution the money was withdrawn from. Later that day I was informed that my account was frozen and I can not withdraw money from it. Since the account got frozen, I called numerous times and spoke to different bank representatives including " managers '' but no one gave me a clear answer as to the reason the account got frozen. Until today I am not contacted by anyone from the Citizens Access with explanation of the reason and resolution. The standard respond to my question is that there is no information available as to why the account is frozen and when will I get access to my money. Need your help to resolve this issue and get my money back.
Product: Money transfer, virtual currency, or money service

I am writing to formally express concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety
Product: Credit card or prepaid card

Approx. One Month Ago I Received Several Letters Stating That I Have To Send Cominety Bank Copies Of My I.D., Proving Who I Am. Meantime All My Accounts With This Bank Are On Hold. I Reply, Did Everything They Requested. On XX/XX/XXXX I Received Several Letters Stating That All My Accounts Have Been Re-Opened. Try ed To Use One Of There Cards And Found Out That They Were Not Re-opened. I Called The Bank Asking What Is Going On?. The Person I Spoke With ( can ; t Remember The Name ) Told Me That The Credit Bureau Has Sent Them A Email Telling Them To Close All My Accounts.I Have Approx. 10 Accounts ( credit Cards ) With Them. All In Good Standing Never Late. For Them To Close That Many Accounts Is Really Going To Lower My Credit Score Significantly, Of No Fault Of My Own. Why Did They Give Me The Credit In The First Place?. I Have Been Working Very Hard On Building My Credit Got It From The Low 500s To 665 In One Year Very Proud Of That. And Know Have Them Come Along And LIE To Me Telling Me The Credit Bureau Is Telling Them To Close My Accounts They Don't Have The Right Or The Power To Do That. Last Time I Spoke To The Bank Was On The XX/XX/2019. They Said They Have Sent Again Letters, I Should Get Them In About 10 Days. I Cant Wait For Them To Report I Have 10 Closed Accounts It Will Kill All I Have Worked So Hard To For. It Just Doesn't Seem Right.I Am Not But Hurt That They Closed The Accounts, But Don't Report All Closed. This Will Damage My Good Standing Regarding My Credit. Please Help.
Product: Credit reporting or other personal consumer reports

I am a preferred member with XXXX XXXX  XXXX and have banked with them for a long time. There are two late payments reported in XXXX. I sent in the payments on time. I am not sure why they have them reported as late payments. I tried to resolve with a banker and no one was able to help. Please help resolve this matter as soon as possible as it is effecting my credit.
Product: Debt collection

I recently was contacted by XXXX XXXX XXXX and they stated that there was a debt from 2017 that was owed from first national bank of Omaha. I contacted first national bank of Omaha and they said that a lot of the information on the credit file like drivers license the address, the phone numbers the emails did not match up correctly to my actual information. They believe that the debt was fraudulent. They instructed XXXX  XXXX  to have XXXX buy back the debt and then they could cancel the debt based on fraud. I have filed a report against XXXX XXXX XXXX and they have recently stated that they have given the debt back to XXXX  XXXX. I am trying to have this resolved appropriately and removed from my name.
Product: Credit card or prepaid card

I wanted to not agree to terms of service to receive a refund for IRS EIP money ( Paper check desired instead ). Tried to call customer service on card but there is no way to refuse terms of service or speak to representative. Activation of card is the only option. In an effort to talk to a person to request a refund I had to activate the card and then no customer service option was even offered. There is no way to contact customer service to request a refund, card activation is the only option.
Product: Credit reporting or other personal consumer reports

This letter serves as my formal and final written request to remove the following accounts from my credit report, effective immediately. The accounts listed below have not been verified in accordance with the Fair Credit Reporting Act ( FCRA ). Despite previous attempts to obtain proper verification, you have failed to provide me with any original documentation as required under : Section 609 ( a ) ( 1 ) ( A ) : A consumer contract bearing my signature. Section 611 ( a ) ( 1 ) ( A ) : Proof of an investigation and verification of the disputed information.Additionally, under Section 611 ( 5 ) ( A ), the FCRA explicitly requires you to promptly delete all information that can not be verified. This failure to comply violates my rights under the FCRA, and I consider this negligent noncompliance. As such, I am prepared to pursue litigation under Section 617 to enforce my rights.I demand the immediate deletion of the following accounts : XXXXXXXX XXXX XXXX account XXXX XXXX ( unverified ) XXXX XXXX XXXX XXXX Account # XXXX ( unverified ) Failure to comply with this request and provide me with adequate verification will leave me no choice but to pursue legal action against the credit bureau and the CFPB for failure to follow federal guidelines XXXX I am a litigious consumer, and I will not hesitate to file suit to ensure my rights are upheld.I request your immediate attention to this matter and expect a written confirmation of the removal of these accounts within 15 days of receiving this letter.
Product: Credit reporting or other personal consumer reports

AMERISAVE MORTGAGE did a hard credit pull and charge {$43.00}, it advertise false refinance promises. I did not authorize a hard pull on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly ( 120 ) days late on the DPT ED/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments, however this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this, however I have been unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts on my credit report that I did not open and have no knowledge of, and the accounts are negative. Accounts are 1 XXXX XXXX XXXX XXXX  XXXX opened XX/XX/2021 2 ) Self Financial/Lead Bank opened XX/XX/2021 XXXX ) XXXX XXXX opened XX/XX/2021 I made a complaint with all 3 credit places XXXX, XXXX, XXXX and they all say to report it to the FTC and file a police report. I hope you can help me resolve this matter and remove this fraud from my credit. I was in School in XXXX till XX/XX/2021. Please help me straighten this out. I phone these companies and XXXX XXXX XXXX also stated to contact the FTC. From the other companies I received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1666b, timing of late payment, They did not have the verbal or written consent to furnish late payments on my credit report. 
Account name : XXXX XXXX  Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX XXXX Account # : XXXX.