23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Recieved letter dated XXXX XXXXXXXX XXXX  saying Dear my name, We are closing this account because activity on this or another account is not consistent with our expectations for account usage and violates the Capital One Customer Agreement. Please Stop using this account immediately and destroy any cards and checks associated with it. Also you should update any recurring payments you have set up using this account, such as gym memberships, subscriptions to online streaming services, etc. You are still responsible for paying the full amount of any remaining account balance and you'll continue to receive billing statements until the balance reaches XXXX. Sinserly, Capital One then very bottom of it states EQUAL CREDIT OPPORTUNITIEY ACT The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicants has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Bureau of Consumer Financial Protection, XXXX XXXX XXXX XXXX, Washington, DC XXXX.
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint against XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX has this INACCURATE account/item on my consumer report/file and I DEMAND for a IMMEDIATE DELETION ( Exhibits provided ). 

All three of these Bureaus have INACCURATELY furnished this MISLEADING AND DECEPTIVE account on my consumer report/file and I did not CONSENT, AUTHORIZE NOR BENEFIT nor gave a written permissible purpose to XXXX XXXX XXXX XXXX to FURNISH this account/item. 

The DATE OPENED is INACCURATE and I DEMAND XXXX XXXX XXXX XXXX to delete this account/item within 4 BUSINESS DAYS ( Exhibits provided ) The TWO-YEAR PAYMENT HISTORY is INACCURATE and I DEMAND XXXX XXXX XXXX XXXX. to delete this account/item within 4 business days ( Exhibits provided ) The DATE LAST ACTIVE is INACCURATE and I DEMAND XXXX XXXX XXXX  XXXX to delete this account/item within 4 business days ( Exhibits provided ) XXXX XXXX XXXX XXXXXXXX duty is to PROVIDE 100 % ACCURACY on consumers reports and THE EXHIBITS I PROVIDED SHOWED THEY HAVE FAILED!
Product: Checking or savings account

My work is such that I get a paper paycheck as I am a XXXX  XXXX who works under contracted agency. Thus I get paychecks for different customers. My paycheck a month ago was held for over a week! I was not told or informed at all, that my paycheck would be held that long. I have bills to pay and can not afford to consistently have all my paychecks held al least a week! 

Friday the XXXX of XXXX, my first paycheck with my employer was held for over a week before my own hard earning money was released to me! 

It happened to me again! I was paid on Friday XX/XX/XXXX, and put my check into my account. I called the bank to make certain this would not happened again and the representative with whom I spoke, assured me that my funds would be available the next morning. When I woke the next morning I immediately checked my available balance to only find yet again, a long hold put on my paycheck again! 

My account is overdrawn again with {$35.00} fee attached to each transaction. I simply can not go on having my paychecks held over and over for at least a week, and not being told. I can not live that way, as I am certain no one else can as well! It's simply greedy of TD Bank to do that in order to gain interest on my money!
Product: Student loan

This letter is regarding Navient ( the largest student loan servicer ) and their continued systematic, manipulative, and fraudulent treatment of borrowers. [ i ] I understand that the Iowa Attorney General is a signatory on the XXXX brief filed with the United States Court of Appeals for the Third Circuit on XX/XX/XXXX. [ ii ] However, the class action lawsuit will likely take several years, at best, to resolve. 

Meanwhile, Navient is still making money by actively defrauding borrowers and cosigners in a multitude of ways, to wit : changing repayment plans without the borrowers consent, poor customer service and bad information causing borrowers distress, servicing transfers leading to surprising fees and lost benefits, and Co-signer policies causing auto-defaults and borrower distress, and using roadblocks to refinance keeping borrowers tied to high-rate loans, just to name a few. [ iii ] Specifically, I ask you to provide relief for XXXX XXXX ( borrower ) who owes thousands more than her original loan taken out in XXXX, and XXXX XXXX ( cosigner ). We have tried for several years to have XXXX removed as a co-signer, but every time XXXX gets close to the year required for on-time, level, auto payments, Navient changes the rules quite literally keeping XXXX captive to Navient. XXXX is being held hostage and when she called Navient on several occasions there is always some reason why she can not be released. During one conversation, a Navient rep actually hung up on her! 

If Navient were XXXX or some other company, the public would be enraged, and the government would have fixed this behavior within a year. 

If Navient is doing this to the above-mentioned individuals, it stands to reason that they are treating all customers in this way. 

[ 1 ] The complaint against Navient Corporation, Navient Solutions, and Pioneer Credit Recovery is available at : XXXXXXXX XXXX XXXX.consumerfinance.gov/XXXXcfpb_Navient-Pioneer-Credit-Recovery-XXXX XXXX 1 ] XXXX brief filed in the U.S. Court of Appeals for the Third Circuit XXXX XXXX XXXX [ 1 ] XXXX XXXX //www.consumerfinance.gov/XXXX/cfpb-XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have maintained a great relationship with XXXX for over 30 years doing my banking, auto financing, credit cards, loans home and auto insurances over a span of a decade. In 2019, I circumstances changed and my XXXX XXXX from XXXX XXXX XXXX  and I became XXXX XXXX XXXXXXXX. Within, XXXX I had to ensure all documentation for medical for the VA and XXXX XXXX  XXXX I went from the work force to a XXXX life and within this time span a suffered a divorce and the XXXX happened. 

I never once tried to get out of my obligation with XXXX and in writing and by phone calls worked payment plans out best suitable. XXXX, I received a call from XXXX XXXX XXXX ( not the CEO, a person from or claiming to be from the CEO of XXXX XXXX ) about my letters I wrote and over recored line stated they aren't doing nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts and inquiries are not mine they was made without my permission, consent, inquires. XXXX XXXX XXXX  Reported : XXXX XXXX XXXX Caine Weiner Company Reported XXXX XXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/ or All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 XXXX which states I have a right to privacy, 15 USC 1681 604 XXXX Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 XXXX  which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the company and informed them that this an unauthorized transaction I didn't give permission to run my credit, I ask them to validate these inquiry. 

In accordance of the Fair Credit Reporting Act XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) 15 U.S.C. 1681 section 602A. 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. 

In accordance of the Fair Credit Reporting Act XXXX  XXXX XXXX XXXXXXXX { XXXX ) 15 U.S.C. 1681 section 602A. 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.

In accordance of the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602A. 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: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to Transunion on XXXX XXXX, 2020 ( USPS : XXXX ) in regards to an XXXX XXXX account that has showed up on my transunion report. In the letter included my Police Report from XXXX Police Department, Identity Theft Affidavit, and other documentation that shows I've taken the necessary steps to report my identity theft to the proper authorities. On XX/XX/, 2020 Transunion received the letter and a few days later opened a standard 30 day " investigation '' and refused to block the fraudulent information while they " investigate '' despite having proof and documentation according to FCRA 605b. This methodology has caused greater stress to an already stressful issue to rectify. Transunion has shown gross negligence in treating this like a normal dispute. These companies control so much of our livelihood and take very little action in helping out the small people who's information they collect and sell to ensure it's accuracy.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX / XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Checking or savings account

I went to the bank to open a checking and saving account but the teller opened 2 checking accounts and 2 savings accounts which resulted to multiple overdraft fees that I had to pay for
Product: Credit reporting or other personal consumer reports

Says I owe a debt of {$20000.00} from pro collect. It was opened XXXX XXXX. I have dispute this collection multiple times! I have asked for proof of this collection bill and havent had any proof! They gave me false statements saying I could make payments then when I contacted them they told me I couldnt and needed to pay upfront with the bill. You cant make false reports saying a payment plan is offered when its not!
Product: Credit reporting or other personal consumer reports

I sent your company a letter disputing account number XXXX with DISCOVER BANK on XX/XX/year>. 
I received a response from you dated XX/XX/year> where you stated that the item had been deleted. Please see copy of both letters enclosed. After reviewing my credit report again, I have noticed that the items have been reinserted. It is my understanding that deleted items can not be reinserted unless the original providers of the information have verified that it was being reported correctly. Is that what has happened? If so, I am requesting all documentation proving the certification of accuracy. 
The Fair Credit Reporting Act also states that if for any reason a deleted item is reinserted into the credit file, the credit bureau is to notify the consumer in writing within 5 days of reinsertion. I do not recall receiving such notification, therefore you violated the FCRA. 
I am willing to give you more time to furnish this information to me before I pursue filing a complaint against your company for the above mentioned FCRA violation. Please forward to me : The name, address, and telephone number ( if available ) of the furnishers of the information confirming its accuracy. 
Documentation stating that the item has been reinserted and the date of reinsertion. 
Documentation stating that, as a consumer, I continue to have the right to add a status of disputed by consumer to the item. 

DISCOVER BANK XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accurate information is reporting on my credit report and the bureau is not resolving the issue therefore not following fcra laws.
Product: Credit reporting or other personal consumer reports

Hello, XXXX. XXXX XXXX XXXX XXXX XX/XX/year>2024 XXXX. XXXX XXXX XXXX XX/XX/year>2024 XXXX. XXXX XXXX XXXX XX/XX/year>2024 XXXX. XXXX XXXX XXXX XX/XX/year>2024 XXXX. XXXX XXXX XX/XX/year>2024 XXXX. XXXX XXXX XX/XX/year>2024 XXXX. XXXX XXXX XX/XX/year>2024 XXXX. XXXX XXXX  XX/XX/year>2024 XXXX has already removed XXXX XXXX  and XXXX XXXX and according to 15 USC 1681 N you should delete this immediately as well. 

I did not authorize the following above inquiries and would like them removed immediately.
Product: Credit card or prepaid card

Hi i requested a dispute on XX/XX/XXXX for services i paid for but were not provided to me. 

On XX/XX/XXXX and after calling several times on XX/XX/XXXX, Wells Fargo bank said there is no way they can help me with a dispute because the transaction was done with XXXX and they don't have any dispute rights and to call XXXX. 

I called XXXX and they said is incorrect, this is their response : " I fear Wells Fargo is mistaken : If the funds were taken from your bank account, you have the ability to dispute those charges with your bank. If you file a dispute with your card-issuing bank, XXXX will work with them as they decide the dispute. Disputing a charge on your statement is within your right as a cardholder. '' " I am really sorry for the experience you are having with your bank. They can and should be willing to help you begin the Dispute process. '' " At this point, XXXX will work with your bank to resolve the dispute. " I again called the bank, i have done that several times and explained to them that they are violating my rights and they just dont care, they said they dont have dispute rights. 

I was a victim of a fraud, i need the wells fargo bank to help me with this and i need your help
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I am filing this Complaint for inaccurate and misleading information.
Product: Vehicle loan or lease

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX MI, located at XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX, for their refusal to complete a transaction after approving my credit application, and for potential violations of federal consumer protection laws. 

On or around XX/XX/2024, I applied for credit with XXXX XXXX for the purchase of a XXXX XXXX XXXX. My application was approved, and I received confirmation of this approval on or around XX/XX/2024. However, XXXX XXXX XXXX has failed to provide the necessary paperwork and finalize the transaction despite multiple requests. 

XXXX. License Requirement : After the approval, XXXX XXXX from XXXX XXXX XXXX informed me that a valid drivers license was required to extend the credit as part of the contract terms. Despite my attempts to provide the necessary documentation and request the contract details, they have repeatedly failed to furnish the contract, promising on several occasions that it would be provided but never following through. 
XXXX. Unclear Communication and Non-Resolution : I have given XXXX XXXX ample time to rectify this situation, yet communication has become impossible. Their refusal to provide the contract or resolve the issue is causing significant inconvenience and financial uncertainty. 

XXXX. Violation of the Truth in Lending Act ( XXXX XXXX Code XXXX ) : XXXX  XXXX has engaged in practices that violate the Truth in Lending Act. Specifically, they attempted to advertise a down payment as part of the transaction, which is not a customary or usual practice for them, contrary to the provisions of 15 U.S. Code 1662 ( b ).

a. Village Ford Failed to disclose the financing statement and the entails, was requiring that I get insurance from am outside source for the completion of this transaction, instead of informing me that it can be included in the financing. 

XXXX. Failure to Act in Good Faith : I informed XXXX XXXX - XXXX of my mistake in good faith and sought to rectify it. Despite this, they have not responded to my efforts, further indicating bad faith and a lack of proper business conduct.
Product: Credit reporting or other personal consumer reports

The Following Accounts Were Opened Fraudulently Without My Permission Or Authorization, I Demand For Them To Be Removed Immediately By Law! 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX XXXX has been re-inserted into my credit file. By law they are required to notify me within five ( 5 ) days of reinserting a previously deleted item ( 15 U.S. Code 1681i ( a5B ) ). I did not receive any such notification. at my 6th Amendment unalienable right, I respectfully demand Deletion of this item immediately or I will be forced to take legal action! 

In addition to the Fair Credit Reporting Act ( FCRA ) and Internal Revenue Code ( IRC ) Section 6050P, it's crucial to explore other relevant codes and regulations that may impact your case. Of particular importance are provisions that address the rights and protections afforded to service members and the potential consequences of the unlawful reinsertion of a previously deleted credit file. Here are key regulations to consider : Servicemembers Civil Relief Act ( SCRA ) : If you are a servicemember, the SCRA plays a significant role in safeguarding your rights, especially concerning interest rates, debt collections, and credit reporting. It is essential to evaluate any potential violations related to your status as a service member. 

Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : UDAAP prohibits unfair, deceptive, or abusive practices in the financial industry. In the context of your case, it becomes relevant if there are concerns about the financial institution 's conduct, especially regarding the reinsertion of a previously deleted credit file. 

Gramm-Leach-Bliley Act ( GLBA ) : Sections 501 and 502 of the GLBA are crucial for addressing privacy concerns related to consumer financial information. It establishes rules for privacy policies, nonpublic personal information protection, and consumer opt-out rights. This becomes pertinent if the reinsertion involves mishandling or improper disclosure of your financial data. 

Regulation P : Privacy of Consumer Financial Information : Regulation P implements GLBA 's privacy provisions and focuses on safeguarding consumer financial information. It includes requirements for privacy notices, opt-out mechanisms, and restrictions on information-sharing, ensuring the protection of your sensitive data. 

Regulation B : Equal Credit Opportunity : Regulation B, implementing the Equal Credit Opportunity Act ( ECOA ), prohibits discriminatory credit practices. It ensures fair and equal treatment of credit applicants, making it essential to assess any potential violations concerning your credit reporting. 

These regulations collectively contribute to shaping the legal landscape surrounding credit reporting and financial privacy, offering avenues for addressing any infringements and seeking a fair resolution. If you have specific concerns related to these regulations, consulting with legal professionals well-versed in consumer protection laws can provide valuable insights and guidance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report on XXXX, I noticed an unfamiliar company was added in XX/XX/2022. I disputed the company being on my report & learned that it was a mortgage account with my son in law as the primary account holder. I have never lived at the address. The account showed a never late status. I was NOT notified of the transfer of the original loan to this company, nor do I have ANY account information including an account number or contact information. On XXXX XXXX, I was notified that my FICO had dropped XXXX points from XXXX to XXXX. I immediately wrote a letter to the mortgage company & sent via XXXX from an address on my XXXX credit report to a listed address for the company in Texas. The letter was returned as undeliverable to me XXXX weeks later. I attempted to re-open my dispute on XXXX & have been denied. I personally have not made a single late payment in 30 years & enjoy exceptional credit which I've worked very hard to maintain. Again, I have no knowledge of this account other than that it is 30 days late. I would have worked out a payment had I known just to protect my credit. I feel that this is totally unfair credit reporting. In my attachments, I'm also submitting correspondence I made to NY XXXX Department XXXX XXXX XXXX.
Product: Checking or savings account

The financial institution has denied my dispute claims without any supporting documents to authorize a denial.