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

this have been disputed XX/XX/XXXX and XX/XX/XXXX and XXXX XXXX and were told verified this debt only show on XXXX and this account was closed XXXX and is over XXXX XXXX XXXX and still haven't been removed XXXX show account type : open
Product: Prepaid card

I received an email from Capital One XXXX  at XXXX stating that my account had been terminated and provided with no other specific reasons for my account being terminated. I am unable to access my account and currently have over {$2000.00} in rewards owed to me that can be used and redeemed for gift cards as well as rewards that have been successfully processed by Capital One XXXX  ( I have all of the emails and screenshots related to this ). 

I send several emails to XXXX and have not received any response and there is no other way ( phone number, etc. ) to contact the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$890.00}
Product: Debt collection

XX/XX/2021 I called at XXXX to XXXX with Credit Collection Serv .

Credit Collection Serv XXXX XXXX XXXX On the phone the address provided for this account was an address I have never lived at. I informed XXXX of this being a fraudulent account. 
XXXX XXXX XXXX XXXX nc XXXX He gave me this number XXXX and told me to request a fraud packet. XXXX called the above number and requested to get the packet. I was told it would take 5-10 business days, fill it out and return it as quickly as possible. It has been almost a full month since with no fraud packet sent to my below address. They have not only ignored my request but they continue to affect my credit knowingly with this fraudulent account. 
po box XXXX XXXX, NC XXXX XXXX is the email it was signed up with which is not, nor has it ever been, my email. They did not even have my correct date of birth listed on the account.
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 XXXX  account # XXXX has violated my rights.

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 an 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 item 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

I received a notice of debt from Convergant on XXXX XX/XX/2020, The lettter was Dated XX/XX/2020 on XX/XX/2020 I sent a certified letter via USPS notifying Convergent that I want the debt validated not verified. As of this date, I have not received a letter from Convergant acknowledging receipt of that letter. On XX/XX/2020, I called Convergant and asked if they received that letter, they said that they did and sent out a verification of the debt. NOT a Valiudation. Was told by the rep, that since they do not report to the Credit Bureaus, It was my understanding that they did not have to follow FCRA regulations.The collection agency stated they are representing XXXX and that they were not a collection agency If they can not remove the collection from their database.
Product: Student loan

I am a California based XXXX. My original loan servicer was XXXX, which sold to XXXX XXXX, and is now serviced by Navient. My problems began with XXXX XXXX. Every time I apply for a program to help me with my loans, XXXX XXXX and now Navient have consistently dragged their feet, lost my documents, and failed to respond to my pleas to follow through with requests for information and documents. 
When I started my XXXX, I was accepted to the California XXXX called XXXX. For each year of service XXXX, I applied for and a check was sent to my loan servicer to pay for a portion of my student loans. Each year the California XXXX XXXX XXXX needed XXXX XXXX or Navient to send them a loan verification form. I faxed the form, I emailed the form, and even mailed the form, and it was consistently lost and not returned. Only by requesting a fax over and over ( usually XXXX5 times ) would I actually receive any documents. 
I am now applying for XXXX XXXX XXXX through the federal program designed to help XXXX and Navient failed to forward me correspondence from my guarantor. They have admitted in multiple conversations over the phone today, XXXX XXXX, 2016, that they were negligent. I have requested for them to fax this to me, and have not received anything. I estimate that this mistake on their part has added XXXX8 weeks to my XXXX application, and the interest on my loans has been adding up. I believe that the interest accrued to my account from the day Navient failed to forward me the letter from my guarantor, to the day I receive that letter should be credited to my account. 
If you are a loan holder and are reading this, please know that Navient will do nothing that you ask unless you call, and write them, and complain to the consumer financial protection bureau.
Product: Checking or savings account

I noticed my PenFed account was blocked without clear communication or reasoning provided by PenFed. This blockage has caused significant inconvenience and financial hardship. On XX/XX/2024, I attempted to access my account online and found it was inaccessible. I immediately contacted PenFed customer service to inquire about the issue, but the responses were vague, and no specific reason was given for the account blockage. 

By XX/XX/2024, after several calls and emails to PenFed, there was still no resolution or adequate explanation. The lack of access to my funds during this period has been distressing and disruptive. 

Due to this unresolved issue and lack of transparency from PenFed, I am now filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to seek assistance and a resolution to regain access to my account.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report today, and I have no clue why. I regularly check my credit report, and theres never been a problem before. Even after refreshing the browser, the inquiries remained. Im seriously frustrated, and I demand that the documents Ive submitted be fully checked so I dont have to deal with this again.
Product: Debt collection

I have a past due student loan account with Sallie Mae and I am receiving numerous phone calls per day. I understand the state of Tennessee allows, I believe, up to 8 phone calls per day, however the FDCPA does not allow for harassment. I am a night-shift XXXX  and they call all throughout the day while I am sleeping, interrupting my continuity and affecting me mentally. I have to keep my phone on ring because I am also on-call for emergencies. Today at XXXX XXXX  CST I received one phone call and then 7 minutes later at XXXX XXXX  CST I received a second phone call. Now awake, I answered and asked the caller, XXXX XXXX, if she is aware that she called me 7 minutes apart, back to back. She stated yes. I asked her why is she calling me back to back 7 minutes apart and she stated because your account is 49 days past due. I believe this rises to the bar of harassment and repetitive calls with a specific intent. As soon as she got off the phone with me, she called my grandmother who is listed as a reference. Nothing illegal or untoward about that, but it establishes a pervasive timeline.
Product: Credit reporting, credit repair services, or other personal consumer reports

After formal letters and calls to the three credit reporting agencies of XXXX, Equifax and XXXX they continue to report inaccuracies and have violated my rights as a consumer. This has caused me great financial harm as a consumer and my ability to contribute to the economy. There was not sufficient information nor proper information in response and lacked validity of debt. I have tried to work out with them directly but automated answering services and failed responses from the US mail now well over 90 days have continued to cause me harm and violate me as a consumer. 

First letter was mailed on XX/XX/XXXX and failed to comply with investigated results within the 30 day time frame. I then sent a follow up letter on XX/XX/XXXX via certified mail. 

THIS IS XXXX XXXX. XXXX!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY!
Product: Credit reporting or other personal consumer reports

I noticed some hard inquiries on my credit report that i did not respond or authorized and i would like them removed from my credit report this is from XXXX i had XXXX hard inquiries that i didnt authorize XXXX XXXX XXXX Inquiry date XXXXXXXX XXXX XXXX XXXX  Inquiry date XXXXXXXX XXXX XXXX XXXX  Inquiry XXXX XXXX Inquiry date XXXX XXXX Inquiry date XXXXXXXX XXXX XXXX XXXX Inquiry XXXXXXXX XXXX XXXX Inquiry date XXXXXXXX XXXX XXXX XXXX Inquiry date XXXX XXXX Inquiry date XXXXXXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX Inquiry date XXXX
Product: Checking or savings account

I deposit a check from my insurance company because of my vehicle got totaled. The check was for {$34000.00} XXXX is the one that send the check I deposited to my Wells Fargo 's account. They discriminated me when I walked in the bank because I'm young and then they put a hold on my check after it clears. So now I don't have a vehicle. It's going to be cleared in 2 weeks which isn't acceptable because they're trying to say XXXX write checks and tries to take the funds back which that's not true because XXXX is legit company for insurance. So you need to look into Wells Fargo and they're not following the guidelines to the federal law and they seem to be discriminating in customers and trying to hold their money. Something needs to get done. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please have these accounts corrected for once : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I've had an HSBC credit card for a few weeks. Unable to log on HSBC website. Message says, " unable to access your information ''. I've called HSBC over six times and have spent HOURS on hold with no resolution. My card is apparently invalid, but company hasn't told me why. I'm concerned about the possibility of fraud and my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several attempts I've made to inform credit bureaus that I've been the victim of identity theft and that I want to check certain entries in my files that the fraud has left behind. The documents I'm looking at have nothing to do with any purchases of products or services or financial transactions that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XX/XX/XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

For some reason One Main Financial called my place of employment yesterday- my supervisor notified me " One Main '' requested I call them. I was late for a payment and have made the payment, but One Main could have called me at my number at home.If they had did that they would have learned I am haveing difficulty and planned to make the payment the next day. In the past this is what has been done.

They should have contacted me for question with a detailed message via my phone number. They could have also contacted me via my email address for texted me.

They shoud NOT call my place of employment. Not only is this embarassing it seems like harassment. I did not like this at all and I am angry One Main did this.
Product: Debt collection

I am writing to formally dispute the validity of the debt that of IQ DATA INTERNATIONAL agency is attempting to collect, of {$44000.00} on XX/XX/XXXX. I want to as well as to assert my rights under the Fair Debt Collection Practices Act, specifically under 15 USC 1692g Sec. 809 ( a ) and ( b ). Upon review of the information provided, I affirm that this debt is not mine and has been paid in full. I have no outstanding obligations to the creditor in question. 

Furthermore, I must emphasize that this agency has failed to provide verification of the debt as required by law. According to the Fair Debt Collection Practices Act.
Product: Student loan

My Son applied for loans to enter XXXX XXXX in XXXX IL. In the process he signed up electronically while he was in High School, age XXXX. He is now almost XXXX!! Then, XXXX XXXX, approved him to go. The problem is, I was set up fraudulently to be a cosigner or owner of this loan. It is on my credit and they want me to pay. I believe my Son set up a cosigner/owner account and charged or incurred {$38000.00} in debt in one year at college. I did not even have proper income or give authorization for this debt. I filed a fraud report, and police report. Because XXXX XXXX was bought out by Navieat, they had no proof Because everything was signed electronically. I want to hire a lawyer but I don't know what to do. I saw an article that claims you are suing them already for these types of reasons. I haven't had a job in 7 years, never made payments. I tried through XXXX XXXX to file fraudulent accounts but it keeps being sent back. My Son, is XXXX years old, and has medical issues. He is still attending college at another college, in Illinois, and I have no idea how. I refuse to pay this bill ever. I owe less on my home, than I do on his 1 year at XXXX XXXX XXXX XXXX. Can you please help me?? I have all the copies of everything I tried to file years ago. This has caused me so much XXXX, I have to be on medication now, and my Son says he would try to help but doesn't know how to get it under his name. We don't even know how the charges got this high in 1 year!!! It should be or is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX/Experian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : EXPERIAN : XXXX. XXXX XXXX XXXX XXXX XXXX : {$55.00} XXXX. XXXX XXXX XXXX XXXX : - XXXX. XXXX XXXX XXXX XXXX : {$0.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$55.00} XXXX. XXXX XXXX XXXX XXXX : - XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX : {$55.00} XXXX. XXXX XXXX XXXX XXXX : - XXXX. XXXX XXXX XXXX XXXX : {$0.00}
Product: Checking or savings account

I currently get paid through SSI. The Bank that my SSI is paid through hasbeen double charging me for amounts between XXXX and XXXX respectivily for the past few years, I brought this to their attention and while they refunded some of it, they have now put my balance at XXXX dollars and cents. I can not access the XXXX roughly that should be in my account. They may have mis placed a decimal however I can not get anyone to look at it. 
I have called the Bank, I have tried Messaging the Bank, They will not resolve the issue that as of now even though there is {$830.00} roughly dollars in my account with only two withdrawels one of which is XXXX and the other XXXX I'm currently at an overdraft of roughly {$370.00}. I have tried all day to fix this. I have photos of the dates and amounts however they are not showing where the difference is in the missing money aside from the complaints I have Filed. If you want any more information I would be glad to provide as I have to inform SSI about all of this. I accidentally hit the mouse and see you allow for attached documents. 
Please contact me and I will in the meantime transfer the photo 's from my phone to my computer and upload them to you should you need them.
Product: Mortgage

OnXX/XX/XXXX-21 I sent in a mortgage payment to Bank of America via my banks electronic payment system. I do this every month to pay the Bank of America mortgage. It was returned on XX/XX/XXXX-2021 with no explanation given. I re-sent the payment on XX/XX/XXXX21 in the exact same manner and it was accepted as it usually is when delivered in this manner. this is the second occurrence with B of A not accepting payment through the federal banking depository system. they have charged me a late fee twice now due to this issue. when I call to resolve the issue and try to diagnose why this is happening I get put in a call transfer loop that I can not escape from. the customer service people have given me separate numbers to call that direct me back to the same automated phone tree. each time I call I am on hold and/or being transferred around for anywhere from 25 to 40 minutes before I have to terminate the call due to the need to attend to other previous commitments. This refusal of funds followed by a late charge is the second occurrence in 12 months with B of A. I have no way of efficiently contacting a live human being with discretionary authority to resolve this issue. I have been unfairly charged for late fees. this is a willful attempt to defraud me of funds that Bank of America is not entitled to.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I took out a loan for XXXX. I then made XXXX payments of roughly {$750.00} each. Then on XX/XX/XXXX I made a balance transfer to USAA for the amount of {$25000.00} and another balance transfer on XX/XX/XXXX for the amount of XXXX. This totals {$32000.00}. ( Please note that these were balance transfers from another financial institution ). Then on XX/XX/XXXX I was going over the unused apps on my phone and noticed that I had USAA, so I logged on and noticed that I still had a balance and had not received any kind of bill. So I called the XXXX # and spoke with a young lady. She informed me that the balance transfers were indeed done but they did NOT specify on the transfers that they were to go to principal only. I asked her how could I specify that if my bank did the transfer. She stated that there is a check box somewhere on their web page or balance transfer paperwork? Instead, USAA applied the amounts to monthly payments, making my account now due on or about XX/XX/XXXX ( This is completely absurd ). Now, as a consumer who did not see this check box or even know about it is supposed to know to make sure it's checked off is beyond me. She additionally informed me that this happens quite often with other accounts that are trying to pay down their debt. She goes on to tell me that there is a 60 day period to which I could have called USAA and tell them to put it all to principal. [ Now I know on my part, I should have looked at my payments to see what the balance was on XX/XX/XXXX but I assumed that I would get my normal email or paper statement. To my recollection I did not receive either and I don't know why I waited so long to look at my statement ]. She then put in a request for my balance transfers to be backed out and applied to principal, and that was the end of our conversation. Then on XX/XX/XXXX I received an Email stating that USAA was looking into it, so I called the bank and asked what the decision was. This time a young man answered and said to give it a few days to process. This leads us to today ( XX/XX/XXXX ). I received an Email stating " Were unable to complete the request because the payment date is older than 60 days from the date of the request ''. So again, I called the bank and asked them to refund my money that is in their coffers for the payments from XX/XX/XXXX to XX/XX/XXXX. That's 16 months worth of payments. This time i'm told that they can not do this either, because it has been over 60 days. 

Now, I am looking for the CFPB to help me.
Product: Credit reporting or other personal consumer reports

Elan Financial Services reported that I missed 1 payment on my account. But I remember paying them so I asked for written proof and it wasn't given so i'm disputing this missed payment and need it removed immediately from my credit report.