23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have attempted to sign up for automatic debt with XXXX XXXX several times. When you select Auto Debt Enrollment on XXXX XXXX 's online payment website nothing happens. I called and spoke with a representative who enrolled me in Auto Debit, and the next month, I received a notice of late payment. I checked my account online, and it says that I haven't enrolled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im assuming that you either didnt receive my letter on XXXX or your just ignoring me because I clearly noted each every misleading and unverified account I understand that you receive thousands of letters each day but it has now been over 60 days since I have received any investigation results. These accounts are unknown and inaccurate I demand them to be deleted immediately.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

Yes usaa is not helping me with a. Charge for merchandise I did order overnight and never received as a full tome Rv this is not uncommon and financial institutions need to be more attentive to their customers and the merchants the amount in dispute is XXXX never received a permanent credit in fact a reversal case XXXX
Product: Credit reporting or other personal consumer reports

I have recently checked my credit report and noticed these accounts that do not belong to me. 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 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, 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 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 had reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My home mortgage was through Wells Fargo when the home was purchased in XXXX. I refinanced with my current bank in XXXX in an effort to consolidate expenses and reduce interest rate. Based on the dates of the complaint against Wells Fargo ( customer during the period of XXXX through XXXX ), I wanted to explore whether there were extraneous charges/fees on my mortgage payments during this period ( considering they were auto drafted from my checking account and no payments were missed during the time that I was a customer ) and whether the Consumer Financial Protection Bureau proceedings apply to myself and my household. Thank you.
Product: Money transfer, virtual currency, or money service

I receive occasional inbound wire payments from the XXXX. In the past, the wire fees have been waived, as per my customer status. However, that's no longer happening. Most recently, an inbound wire received on XX/XX/23 showed the amount of USD {$530.00}. The invoiced amount was for {$550.00}. The sender assured me that they sent USD {$550.00} ; BOA 's online transaction reports clearly shows a {$20.00} fee deducted by BOA ( see attachment # 1 " Fee '' ), as does the mailed BOA advice ( see attachment 2 " BankLet '' ). 

My " banker '' at the XXXX XXXX XXXX office has not responded, but in the past has also failed to reverse these charges, instead pointing to a {$16.00} or {$17.00} " fee reversal '' numbers that seem rather random. However, as you can see ( see attachment # 3 " Online '' ), the supposed reversal does not change the balance. Thus, it never happened. Pure window dressing. 

Failure to reverse fees, as promised by the bank, can constitute consumer fraud. That would be an especially unwise thing to do at a moment like this. But it may also suggest that BOA is experiencing severe liquidity problems.
Product: Credit reporting or other personal consumer reports

XXXX on XX/XX/year> communicated with me via live chat and phone operator that they do not have or give out a much-needed fax/email for Identity theft report and other vital documents for them to review my complaint. My perception is this is an international way of blocking a consumer from implementing the " 4 day block & remove laws '' established by Congress in title 15 as well as a delaying tactic. The information on my report is fraudulent, being used to execute legal proceedings, identity theft by deception & slander of my title. This action makes XXXX complicit in the theft of identity and fraud. I filed an FTC Identity theft report on them as well as state agencies and corporations using inaccurate, fraudulent information as leverage and for-profit against my estate.Let me be clear, the reports and the personal information on me obtained by XXXX is NOT ME in no way shape or form. This information is based on a presumption of death and I am not dead. This is a alive informant. This information clearly is opposite the records I have in my XXXX XXXX XXXX as well as my baptismal certificate is an indication that I am alive. Every record obtained by XXXX and the other agencies is not me and does not represent me as the XXXX XXXX XXXX XXXX and date of birth. I also have started to correct records through the XXXX XXXX, contact the Social Security Administration, the Department of HHS, the attorney generals for US/NY, the US/NY Department of State and the NY Comptroller Office and US treasury departments of the fraudulent conveyances being used by the courts, agencies and corporation for profit. The companies that I applied for credit cards are obtaining fraudulent and inaccurate personal information and this is causing my family injury.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just noticed that there have been several inquires that have been added by someone that have stolen my information. THIS IS FRAUD.
Product: Student loan

Over the past year, I have been working with my numerous student loan servicers ( XXXX, XXXX and MOHELA ) to consolidate my loans and begin utilizing PSLF. I initially requested a refund from XXXX for loans I paid off during the XXXX pandemic in full, for a refund so that they could be consolidated into my current PSLF package. This was recommended by a consultant, with expertise in student loans. I've copied and pasted the notes from my calls with MOHELA below, in which MOHELA dragged their feet on this process, didn't reprocess my student loans despite my request being valid at the time was made, and further not communicating with me for 4 months that my request was denied. 

XX/XX/XXXX Bill @ XXXX Might be able to get these refunded. Found all 3. 
direct plus grad, disbursed- XX/XX/XXXX, paid off XX/XX/XXXX, total loan $ XXXX, payment amount- unknown XXXX XXXX XXXX, XXXX XX/XX/XXXX, paid off XX/XX/XXXX, {$5500.00} original, unknown payment amount XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, paid off XX/XX/XXXX, original {$3300.00}, unknown payment amount. 
Requested refund on payments made during payment pause, as advised by XXXX, not full amount of loans Bill submitted the request with " borrower wants full amnts of payments made to XXXX before being transferred to XXXX. 
Wait until loans are reconsolidated once this is done, apply for SAVE Not sure of timeframe for refund given issues with previous servicer issue. 
If approved, loans will be reinstated. Loan refunds would be sent by check or electronically. I'll just have to check on my account. A letter would be sent to my account inbox. Then, I could reconsolidate the refund. 
Current payment {$250.00} Check every 2 weeks Bill submitted this. I could call in for this if I really wanted to. 

XX/XX/XXXX XXXX @ XXXX Sent as prior servicer refund, may take 90 days, was submitted on XXXXXXXX XXXX # XXXX, verifying that the refund was submitted XX/XX/XXXX adjustment needs to be done, not completed at this time XX/XX/XXXX XXXX checking on status of prior servicer refund IDRs set to renew XX/XX/XXXX. If I dont renew it will go from {$200.00} to {$600.00}. I need to fill this repayment form annually XXXX to transfer me to advance department XXXX XXXX previously flagged this as not allowed, a supervisor reviewed I'm being transferred to a call back from a supervisor for monday. 

XX/XX/XXXX Received call back MOHELA not to refund these loans. Was advised my request was denied in XX/XX/XXXX.
Product: Credit card

Disappointed with XXXX XXXX XXXX I have been a long-time customer of Wells Fargo and recently took steps to improve my financial health by paying down {$5000.00} of my {$12000.00} credit card balance to reduce my credit utilization ratio and improve my credit score. Unfortunately, after making this significant payment, I was disappointed to see that my credit limit was reduced by the exact amount I paid, effectively nullifying my effort to lower my credit utilization ratio.

This action feels counterintuitive and gives the impression that Wells Fargo penalizes me for my responsible financial behavior. The reduction in my credit limit has negatively impacted my credit score, which is the opposite of what I was working to achieve. I would appreciate it if the bank re-evaluated this policy to better support customers who are making an effort to manage their finances responsibly.
Product: Payday loan, title loan, or personal loan

Money was withdrawn from my bank account that was no longer my bank account and this withdrawl was not authorized. Payments were being made to a XXXX party collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the accuracy of items being reported on my credit report by Equifax, XXXX and XXXX. It has been several month sending letter to them requesting a complete investigation and to send me documentation verifying that they did an investigation and that the items that has been reported in which i am disputing be verified just as the federal law states, The Fair Credit Reporting Act requires that verify the validity of the item within 30 days. If the validity can not be verified, they are obligated by law to remove the item. 

it has been over 5 months and they have not did an investigation and keep sending back letter that they did an investigation in which they have not done. 
The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in their reporting. Please delete this misleading information and supply a corrected credit profile. in addition i have informed them that their is someone with the same name as I have that they have possibly mixed up their information onto my credit report and therefore to send me documentation. They continue to send these generic letter and lie and state that they did an investigation and that they verified that the item belongs to me when in fact the item does not belong to me and they did not do an investigation, if they really did an investigation they would realize that the items do not belong to me. They are putting profit over what is right and what is the law and in the meantime they are causing me undue stress and great financial damages
Product: Bank account or service

Deposited a check under {$5000.00} into my Chase bank account and the funds are being help for 7 business days. None of the requirements for an extended hold are met to justify the extended hold and they did not make the first {$200.00} from the check available.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my deep concern and dissatisfaction with the credit reporting practices of Equifax. The mentioned agency has NOT obtained my consent for the report of the XXXX XXXX accounts on my credit profile. This company needs to remove this reporting since this constitutes the following DIRECT VIOLATIONS : Violation of the Family Educational Rights and Privacy Act ( FERPA ). Federal law that protects the privacy of student education records. 
20 U.S. Code 1232g ( b ) ( 4 ) ( B ) which states that : Personal information shall only be transferred to a third party on the condition that such party will not permit any other party to have access to such information without the written consent of the parents of the student. 
Violation of the Privacy Act of 1974, where clearly states that No agency shall disclose any record contained in a system of records by any means of communication to any person or another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains Violation under 15 USC 1681a ( 1 ) ( 4 ) and b, Accuracy and fairness of credit reporting ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
I, as consumer and student, HAVE NOT given Equifax any authorization whether written, unwritten, verbal or non-verbal, to share my private educational information and/or records. Otherwise, I request that the company provide me with the date, time, name of the person spoken to, and my wet ink signature authorizing the furnishing of this disputed information. 
If this information is unavailable, immediate removal is imperative. 
I AM NOT REQUESTING VERIFICATION OF ACCOUNTS ; RATHER, I AM DEMANDING COMPLIANCE WITH THE LAW AND REMOVAL OF SUCH ACCOUNTS.
Product: Credit reporting or other personal consumer reports

I have received my XXXX XXXX XXXX Report and I found some incorrect information that Experian and XXXX is using to verify my disputes. The inaccurate information is hindering my ability to secure credit. Please conduct a proper investigation on the below disputes. I am disputing the incorrect reporting of a Bankruptcy on my XXXX XXXX Report. This Bankruptcy was Vacated/Dismissed. Dismissed Case mean that the lawsuit is closed with no Finding of guilt and the legal affect is that the Bankruptcy is deemed Void
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

This is a complaint against US Bank. I have had a business checking account with them as XXXX XXXX  for over 25 years. I have over that time deposited more than a million dollars worth of clients checks in the process of running my business. I have used both the ATM and in person tellers to make these deposits. I have two complaints to make regarding events around deposits that have happened recently. 

The first occurred in XX/XX/2018. I deposited a check for XXXX. I understand that there is a period of time before the check would clear my clients bank and the funds would become available for my use. I waited until the funds changed from pending to actually available in my account as I could see using my direct online portal access to my checking account. When I saw the funds available I made an online payment to one of my suppliers for XXXX. Two days later the original funds were withdrawn from my account and put in a pending state again. When I called to find out what happened they said that the check was flagged and an additional seven day hold had been placed on it. Needless to say this was  extremely frustrating and no one was able to explain why or help resolve the issue in a timely manner. Consequently my supplier payment was not covered and I had to deal with NSF fees for this. Finally the check did clear and the funds were available and except for the fees I was charged ... things worked out. 

The second event occurred this last week and is still unresolved. I deposited a check for XXXX ... from the same client as above. This time I was more suspicious so I waited and again after a few days the check cleared and according to my online bank access I had the funds available. Great .... so I wrote about XXXX worth of checks to my sub contractors for work they had done. Two days after this I was informed the funds were once more removed from my account. This time after a couple more days ( XX/XX/XXXX was a Wednesday and so there were less banking days last week ) I was told that the check was removed and returned because it was not endorsed correctly. I made this deposit in a US Bank branch ATM the way I have done thousands of times before. I have never in 25 years signed the back of one of my checks made out to XXXX XXXX .... even when making a deposit personally with a teller ... .. Anyway this was the last straw for me. I got absolutely no explanation for how this could have happened ... in fact no help at all from my bank manager .... except to say that an official copy of the check would be sent by mail to me and I could endorse it correctly and redeposit it .... This is completely unacceptable to me and find my self at a loss as to what to do. I need these funds to be able to run my business and this kind of delay and appropriation of my time to try to resolve the issue is beyond belief .... I'm sorry but I really feel at the affect of these circumstances and unable to do anything to help myself except wait for the Bank 's mistakes to play out .... Is there anything else I can do to help make sure this doesn't happen to anyone else?
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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 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.

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX - XXXX {$14000.00}
Product: Debt collection

The collection agency has the date of birth of some one else thats doesnt belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in constant communication with XXXX about the continuous defamation of character. There have been multiple disputes, a cease and desist and and notice to cure sent to this organization. The company has fictitiously reported an alleged debt in the amount of {$380.00} to the XXXX XXXX  and the credit reporting agencies on my behalf. As a consumer my privacy and rights were willfully violated. There was an admission of breaching my privacy by XXXX XXXX The first erroneous statement is that, he stated I had an alleged translation in the amount of XXXX. He claimed it caused my account to be overdrawn XXXX. Although the amount reported is less. This is confirmation this is an error and attempt to coerce me into making an unnecessary payment. This error has caused me to be denied my basic rights. This fictious charge off is coming up on every occasion. I have been denied a safe and sufficient place over my sons head. This nightmare is hunting me. It has caused my mental health to decline.