23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

The criminal enterprise, Wells Fargo Bank, is at it again. After a long series of violations and penalties paid by the bank, they have another strategy to steal from their customers. Wells Fargo makes it difficult for clients to list a beneficiary for their accounts, requiring the customer to come in person to a branch to make such designations. This disproportionately affects XXXXXXXX XXXX XXXXXXXX people who may not have any branches in majority minority neighborhoods. That leaves these accounts vulnerable to excessive and ongoing fees after the death of the account holder. By making it as difficult as possible for account holders to list a beneficiary, Wells Fargo assures that accounts, subject to monthly maintenance fees in the case of the XXXXXXXX XXXX XXXXXXXX customers who on average have lower average account balances, will be drained by these fees to the fullest extent possible. Further the families of the deceased customers are denied access to these funds at a time where they may need these funds the most, such as to pay for funeral expenses or other immediate needs.
Product: Credit card or prepaid card

I have my SS check deposited into my XXXX XXXX debit card every month. In XXXX my card was hacked into and they cancelled card and said they would investigate. They sent me a letter telling me that they had given me a provisional credit and it was mine to use. They would not take it back unless investigation was unfavorable to me. When I checked my statement XXXX XXXX, 2020 I saw where they had taken the money back. When I called them they said the investigation was ongoing. I asked why they took the credit back and they said they could take it back anytime they wanted to. But that is not what they said in the letter that I still have. I'm with XXXX XXXX Cardholders Victims and they have done this to so many people. I can't believe they are still in business! So, far I have not heard anything from them or received my refund. The purchase that someone made using my card was at XXXX XXXX Support in XXXX, ID.
Product: Student loan

I graduated from college in XXXX. I submit an application for a private student loan consolidation to Sallie Mae in XXXX, who was eventually taken over by Navient. The total amount was {$33000.00}. I recently contact Navient for information in regards to my original loan documents. The only documents that I am able to obtain from the company is a private student loan consolidation application. Navient is unable to provide me with any type of promissory note that shows that I accepted the terms of the consolidation nor can they provide any proof that the original loans were actually paid off. The reason that I contacted Navient for this information is based on the balance of my loan decreasing very little over a 12 year repayment time frame. The original disbursement amount showing within the Navient website is {$33000.00}. I made payments between XXXX - current totaling {$33000.00}. The payments were allocating as the following : Principal - {$13000.00}, Interest - {$20000.00}, Fees - {$300.00}. My current remaining balance is still {$21000.00}. If my payments continue as they have over the past decade, I will end up paying around triple the amount of my original loan. I became unemployed between XXXX - XXXX due to being employed by a company that was involved with the XXXX XXXX situation. During the time frame of XXXX-XXXX when I was unemployed, I was only ever offered forbearances and now options to assist in payment plans of any kind. I had minimal income, however I always attempted to maintain my history with my student loan, however my intentions were not always realistic when collecting only unemployment funds for nearly 2 years. In light of the new information in regards to Navient/Sallie Mae targeting student loan borrowers to pay forbearances to maximize profits via interest payments has convinced me to file this complaint. Not only do I believe that I am a victim of predatory lending, I also believe that there is no documentation to back up that I even agreed to the terms within the loan application as I never signed any type of promissory note or a promise to pay in agreement with terms. I believe that all practices involved in my example listed have been predatory and not in the best interest of the borrower, however I put my trust into the company for 12 years. I have paid over {$33000.00} total and my balance has decreased by {$12000.00}. I still show an existing balance that I have yet to pay of over {$21000.00}. This is a perfect example of predatory lending, inappropriate allocation of payments and not housing appropriate documents for a consumer lending agreement. I have finally reached a point where I feel a complaint and legal action is in the near future as this is clearly an example of unfair practices and not in the best interest of me, the consumer.
Product: Vehicle loan or lease

On XX/XX/XXXX, there was an accident insurance claim filed with our insurance company. Around XX/XX/XXXX, or so there was an insurance check sent for the damages to my XXXX XXXXXXXX XXXX XXXX in the name of my husband and Santander Consumer Finance. We were told to send to them and then it would be sent back to us so our car would get fixed. Today is XX/XX/XXXX, my car never got fixed. We compiled with everything Santander ask from us. They wanted estimates from both the insurance company and the body shop. We got them that. They also ask for some form called a XXXX from the body shop ; as far as I knew they receive that also. My husband called them several times to complain and got know except excuses and the check was still in the account department. I call them today and they tell me that its past the date of the claim to be opened and they never received a final invoice that the car was fixed or the XXXX. How was I supposed to get my car fixed when they had my check? And the estimate was actually {$6500.00} in damages. Ive never been to a body shop where they do work with out an insurance check first. They took my insurance check and put it on my car loan and my husband never even signed the check. Hows that legal. And my car not fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX XXXX  Account number:XXXXXXXX  Account name : XXXX  Account number:XXXX Account name : XXXX  Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX  Account name : XXXX Account number:XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

LVNV Funding LLCXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX South Carolina XXXX XXXX PH. XXXX. I have been sending this company letters for the last 6 months. Regarding an collection they have added to my reports. I DO NOT KNOW THIS COMPANY. I have not done any business with this company. I have no contract with this company. This company has nothing in writing stating I agreed to any form of a contract. This company would only send me a bill saying I owe {$680.00}. This is not PROPER VAILIDATION. I want to see All of the documents opposed to just a bill?
Product: Student loan

First, pleased be informed that I had to select XXXX XXXX College from your selection portal but in your records you will see that my complaint and documentation has been on XXXX XXXX College, now defunct and has been for a while, XXXX, Louisiana. When I did not select a college on your list, it would not allow me to go further with this complaint. 
Received an email dated XX/XX/2017 from CFPB that I need clarity on. I submitted complaints on Navient ( XXXX XXXX ) which they in turn tossed it back to XXXX ( XXXX XXXX XXXX XXXX  XXXX XXXX ). Your complaint site clearly lists student loan as an area where complaints can be logged on these agencies. So with all the detailed info submitted in complaint number XXXX and XXXX, I received this reply from you : " After reviewing your complaint, it appears the Consumer Financial Protection Bureau can not pursue the issue you described. CFPB does not have any jurisdiction over any local, state, or Federal Government agency. '' So why even take complaints on any student loans that are given by banks and agencies like XXXX XXXX and Navient if it is not in your jurisdiction to assist with the complaint? Are not banks and XXXX XXXX and Navient backed by federal government loans by XXXX and such? 

Looking forward to your reply. Also please be advised that I had to contact Navient to get promissory note that they had sent to you in attachment but never to me although they told you they did and when they did send it, it only had second page of note, bearing my signature and social security number. I called them and asked if this was a joke and requested it be sent again and then I finally received the promissory note in full.
Product: Credit reporting or other personal consumer reports

Subject Complaint Against Kikoff for Violation of 15 U.S.C. 1666 Dear CFPB, I am filing a complaint against Kikoff for failing to comply with 15 U.S.C. 1666 regarding a disputed late payment on my account. I have attached supporting proof.

Under 15 U.S.C. 1666 ( a ) and ( c ), Kikoff was required to : 1. Acknowledge my dispute in writing within 30 days.

2. Complete the investigation within two billing cycles ( no more than 90 days ). 


3. Provide two written notices within 21 days, per 15 U.S.C. 1666 ( a ) & ( b ).

Kikoff failed to send both required letters within 21 days, violating federal law. I am requesting the CFPB to investigate this matter and ensure Kikoff corrects this error by removing the late payment from my credit report immediately This late payment is prohibiting me from purchasing a home and I am negatively effected by it.

Thank you for your assistance. 

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

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit 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
Product: Credit card or prepaid card

I have XXXX cards with Citi and have been with them since XXXX. Over the last year they keep decreasing my credit limits even though I havent been late, havent maxed out my credit limit and usually pay more than the minimum. With them doing that it has drastically lowered my credit score and makes it look like I am over obligated. They havent given me a good answer why.
Product: Credit reporting or other personal consumer reports

I am a federally protected consumer and I am aware of my rights laid out by the FCRA. Im aware that you as a consumer reporting agency must maintain accurate records at all times and across all credit reporting agencies on consumers files.

Please investigate the completeness of the account listed within my consumer report that you maintain under my name and update my report with your findings within 30 days of your receipt of this dispute notice as per FCRA guidelines.

I have attached screenshots of the erroneous information within my report for this account. Please complete this account within 30 days and forward me the results. If this account can not be verified, DELETE/UPDATE my consumer report. 

ACCOUNT : XXXX XXXX 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 information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall -- - ( i ) 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. 
I have experienced much mental hardship over this erroneous account as it is prohibiting me from refinancing my home. 
Standards established in the credit industry were created to ensure integrity of data and uniform communication between ALL credit-reporting agencies to maintain maximum possible accuracy. If these standards are broken then liabilities can arise.

Your agency is obligated to conduct a thoughtful and fair investigation about this very important matter as I am attempting to handle this issue privately, now. 
I have attached the erroneous account in question. 

This erroneous account was already removed from XXXX. Please DELETE this inaccurate account immediately. Thank you. 


This account ( XXXX ) needs to be DELETED/UPDATED due to inaccurate information reported within my consumer report if it can not be 100 % verified/validated within 30 days of your receipt of this dispute notice then it must be corrected. Failure to do so could constitute willful non-compliance by your agency. 
Please DELETE/UPDATE this erroneous, inaccurate information on my consumer report within 30 days of your receipt of this letter if this information can not be made complete. 

Thank you for your rapid response in this very important matter, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Most of the hard inquiry and soft inquiry request on my credit report was never done by me by these companies that I never applied for no kind of credit or anything like that I called them and explained to them and they told me that they can not do nothing about it
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$420.00} ; U S DEPT OF EDXXXX XXXX Balance XXXX {$38000.00} ; U S DEPT OF EDXXXXXXXX XXXX Balance : {$33000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$9800.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA.

Legal Precedent : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA.
Product: Money transfer, virtual currency, or money service

Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

1.I have never had an account with this company ERC XXXX XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are ENHANCED RECOVERY COMPANY the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Debt collection

This charge for the XXXX $ past due as of XX/XX/2020, was REMOVED for fraud, not once but twice and its effecting my credit score. I am exhausted with dealing with this. This needs to be REMOVED completely. I have contacted the company the same 2 times and they charged it off but WHY does it keep coming back!
Product: Debt collection

this is a very old debt that is being sold and resold to debt collectors that like to fish for money.,
Product: Credit reporting

I have disputed a negative trade-line with TransunionXXXX. I contacted XXXX, XXXX and requested this XXXX to validate this account on XXXX/XXXX/2015. The person that answered the call was very uncooperative and stated that this information would stay on my credit report until I paid in full the account. I requested XXXX, XXXX to validate the account and to submit documentation and was given the run around. To this date this XXXX has not validated the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

we have been trying for a very long time to get thing removed from mine and my husbands credit reports. We got letters from the court house and put a freeze on our  XXXX  account  on   XXXX   XXXX  , 2017. I then sent a letter to Equifax asking them to verify bankruptcies on our accounts, and th en on  XXXX   XXXX  ,2017   we receiv ed a letter from Equifax saying that they have verified the information with  XXXX . I contacted  XXXX  and they said that no one has contacted them to verify any information in that time frame and where there is a freeze on the account that they would not have shared any information. I contacted Equifax on  XXXX   XXXX ,  2017 and  they said that they do n't use  XXXX  and I told them that on the letter they sent me that it says that they did. Then they tried to tell me that they got it from the court house and I told them that I have a letter from the court house and they do n't do that. The gentleman then said let me recheck, he got back on the line and said all that we could do was to file for a dispute. I have the whole conversation recorded on my phone.