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

Issue 1 : On XXXX XXXX ; my VA XXXX check ( XXXX $ ) had hit an USAA account that had just been charged off and closed the day prior due to the account was in the negative. Once the the charged of amount was taken care of the bank sent a corporate check worth XXXX XXXX  out and I verified that it was suppose to come to me and have my name on it. Half way through XXXX ; I did not receive the check so I tried calling into them but because I was not able to verify my identity over the phone ; cause I had a new phone, due to the previous one being stolen. On the XXXX of XXXX was finally able to gain access to the USAA and foudn out that the check had been sent to my first ex wife at her address due to her being the primary account holder. I talk to them and they sent a request to reissue out a new check to me in which I got on the XXXX of XXXX. Attempted to cash it and was denied due to the check not being placed in the positive pay status. On the XXXX, I got the bank to reissue out a XXXX check and here it is still the XXXX and I am waiting for that amount of funds. 

Issue 2 : I created a new account on the XXXX of XXXX with USAA and attempted to cash a XXXX party check that was made out to me by my friend but was denied due to a stop payment with the other person 's bank. This placed a flag on my account for fraudulent activity. I received my XXXX VA XXXX check on the XXXX of XXXX for the total of XXXX. I spent almost XXXX dollars of that account before this account went to credit receiving only status. Since I misplaced my debit card ; I was attempting to send myself my money over XXXX XXXX using the tap to pay and this flagged my account again for fraudulent activity. The reason why the account went into the credit receiving status is because of the flags for fraud and the bank started the process of closing the account down. They told me that the closing procedure takes 60 days total before it closes and only at that time ; if there are funds available they would send it to me in a corporate check. Everything has already posted on the account by the XXXX of the month and the remaining balance is XXXX XXXX 

Here I am being a XXXX XXXX XXXX XXXX veteran at day 40 without any cash at cause the check is my only means of currency. I am about to be evicted and my utlilities are going to be shut off ; plus my car is currently in the impound since the XXXX of XXXX due to not having the funds to get out and each day the car gets another XXXXXXXX XXXX added to it. So I am looking at possibly XXXX XXXX just to get it out of the lot.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for the card, was approved, didn't receive the card after 4 attempts over a period of over 6 months, but kept receiving a bill
Product: Credit reporting or other personal consumer reports

My issue is that XXXX must report accurate information to my credit report consistent with the Fair Credit Reporting Act. There are three ( 3 ) inquiries on my report that are fraudulent : a ) XXXX XXXX XXXX b ) XXXX, and c ) XXXXXXXX XXXX XXXX XXXXXXXX continues reporting these inquiries to my credit file which has negatively affected my credit reports, even after my repeated requests to XXXX to remove them. XXXX should not be reporting these inquiries as I did not apply for credit with these companies nor do I have any knowledge of those companies.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three XXXX XXXX, Experian, and XXXX.
Product: Payday loan, title loan, or personal loan

I received my credit report showing Ad Astra is collecting on behalf of XXXX XXXX XXXX XXXX for an loan I never received or applied for on XX/XX/2014. I have been disputing with this company for months & the credit bureaus that this is not my loan. Ad Astra sent me a letter, but this was no contract that I signed. This is misleading & inaccurate on my credit reports, Federal Law requires that mechanisms is provided to ensure that each item on my credit is accurate. I also have placed Fraud Alerts on my credit showing I was a victim of identity theft in 2014
Product: Credit card or prepaid card

I have a credit card opened with Citibank from XXXX with an APR of 29.99 %. 

A promotional balance transfer was offered to me over the Citibank website, 0 % APR until XX/XX/XXXX with 3 % origination fee. I called Citibank on or about XX/XX/XXXX to ask whether I could request this balance transfer on my current card. The terms indicated that if I make continued purchases with the card, I would continue to have the 29.99 % APR applied. 

I called to clarify whether this was creating a new account or whether this would be applied to my current card ( where, as explained, I would not be able to continue to purchase goods without accruing interest ). The associate on the phone did not speak English well, so I had to rephrase my questions several times. Ultimately, she explained that no, I would not accrue interest as long as I paid off my purchases month-to-month, while keeping the balance of the balance transfer there. 

I processed my balance transfer on XX/XX/XXXX and subsequently checked my online account. My account balance after it was processed included both the balance transfer and my purchases. I called back to ensure that I would not be charged any interest if I paid off my purchases month to month, as I was explained. 

The associate on this call ( XX/XX/XXXX ) explained that this was not true. As long as I was using the credit card at all for purchases and EVEN IF I paid off the balance month to month, with the balance of the balance transfer on there, I would be charged the APR ( 29.99 % ) of the purchases each month. She explained the only way to rectify this would be to open a new credit card for purchases only. 

I explained that I had been told differently on a previous call and would like to file a complaint. I again asked how to rectify this. I was told there was nothing else I could do aside from opening an entirely new account. I was told my complaint would be " noted. '' Now, I am stuck with the balance of the purchases and the balance transfer, with the potential of paying a full APR on the purchases, despite paying them off month to month completely.
Product: Credit reporting or other personal consumer reports

I wrote letters dated and mailed on XX/XX/2023, and XX/XX/2023 to Equifax in regards to inquiries I found on my credit report that I didn't recognize and I believed it to be fraud. I'm unfamiliar with disputing items that I believe to be fraud on my credit report. I then reached out to Equifax in regards to my concerns and as of today XX/XX/2023, I haven't gotten a response. I'm very concerned and I'm reaching out to your agency for help! Attached to this complaint are all the supporting documents that I sent to Equifax
Product: Student loan

nelnet Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$6800.00} Payment Info Status : Current Status date : XX/XX/XXXX Past due amount - Original loan amount : {$4400.00} Monthly payment : {$55.00} Late payments - Account number : XXXX Account status : Open Date opened : XX/XX/XXXX Account type : Education Loan Paid Off : 0 % Balance on XX/XX/XXXX original loan : XXXX Loan Amount : {$23000.00} Contact po box XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX They are claiming I consolidated with them in XXXX, and that my original loan was XXXX, then I have another loan above with them for XXXX now owe a total of XXXX my original loan with college back was a max of XXXX, this is more than my original loan per Federal student aide of what they have posted through nelnet.. 
federal Student Aide and Nelnet can not produce me any information regarding my loan. 
Nelnet is fraudulently stating i had a promissory note with them from XXXX however this is not true number one they have not validated this loan with all and any documents further more, it is impossible to have a account with nelnet when another company by the name of XXXX XXXX XXXX through XXXX XXXX XXXX. had my account that was opened XX/XX/XXXX XXXX that would of washed out there so called contract that they are fraudulently stating i opened with them. i cant very well have two companies with contracts for the same years being claimed, billed and owe for the last few years. showing wo complete opposite accounts per XX/XX/XXXX credit report XXXX Account Info Account number XXXX Account status : Closed Date opened XX/XX/XXXX Account type Education Loan Balance on XX/XX/XXXX Loan Amount {$24000.00} wih owing of XXXX this account i never consolidated and i want it closed completely some one is fraudulently charging me with two different accounts, two different amounts although Nelnet has two separate loans. 

I have reported this to the attorney general and all other government agency to get this issue resolved every time I have asked for a copy of all my documentation I have not received anything except once thru a secured site a promissory note that was inadequately filled out and with wrong information. I couldn't save it or down load it nor could i get back into the secured site. i have a right to all and anything related to me, all my documentation. 


I have years of credit reports that show and prove this information i can print them out and sent the ones only regarding the loan if needed. to any and all companies. 

i do not want to send my whole report the information was cut and pasted from two reports above
Product: Debt collection

My father prior to his death in XXXX had opened numerous credit account without my knowledge, and was paying on theses accounts monthly. When he passes away we started getting phone calls from the various card companys demanding payment. It was then we realized what had happend and do not have the ability to pay off his dept.
Product: Credit reporting or other personal consumer reports

Recently I obtained a copy of my credit report and noticed several inaccuracies. This account is hurting my ability to obtain credit. It's my understanding that Transunion will investigate this account for me to ensure accuracies. Here is the account I am asking you to verify XXXX XXXX for XXXX $ and XXXX XXXX XXXX XXXX amounting in {$2200.00}.
Product: Checking or savings account

Ok on XX/XX/XXXX an XXXX 2021 My checking account the bank 5 th 3 rd Put a fraud alert on my amount cause their was fraud going on! 
On XXXX XXXX I think it was The bank told me that I had to put my friend on my acct cause 5 th 3 rd Had his check and wont let it go throw my account! 
But I have before and his unemployment checks had even be deposited into my account and his name wont on the account! 
But I ask for his XXXX to be removed and the Fraud department told me ok! 
Well on XX/XX/2021 This person when it to my account and at a branch In XXXX ky and the clerk aloud this person to change my address on my account and he was a 2 nd Dairy on my account I was married for 30 years I know it is against the law for the bank to lead a secondary person change the primary persons address this is very illegal now my information is going somewhere else XXXX knows where or who has it what can I do to hold this bank responsible for their mistakes
Product: Credit reporting, credit repair services, or other personal consumer reports

All of these accounts are reporting collections as " Open account '' which is not under FCRA compliance. This is inaccurate reporting and it needs to be removed immediately.

COLLECTION BUREAU OF FT WALTON BEACH # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Placed for collection:XXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXXDate Updated:XXXXOriginal Amount : {$430.00} Original Creditor : XXXX XXXX XXXX Past Due : > XXXX XXXX XXXX Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Placed for collection:XXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXXDate Updated:XXXXOriginal Amount : {$400.00} Original Creditor : XXXX Past Due : > $ XXXX Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX XXXX XXXX Placed for collection:XXXXResponsibility : Individual AccountAccount Type XXXX Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXX XXXX Amount : {$2000.00} Original Creditor : XXXX XXXX XXXX Past Due : > $ XXXX Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX
Product: Student loan

XXXX was contacted to provide a resolution to my complaint and they simply referred me to the new serving company MOHELA. XXXX made no attempt to provide resolution even though they were serving my loan for the past 20 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXXXXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX. 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 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: Credit reporting 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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

I looked at my XXXX Credit report on 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, according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5, they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency 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. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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: Credit reporting, credit repair services, or other personal consumer reports

I have attached a FDCPA letter and FTC report.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXXXXXX 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 card or prepaid card

On  XXXX   XXXX ,  2017 I did  a balance transfer of  XXXX . I called american express and was told that counted towards my payment for  XXXX   XXXX . Ion  XXXX   XXXX ,  2017 I ca lled them to make my  XXXX   XXXX  payment. I was told I could use my blue rewards cash rewards as part of my payment, so I did this and made an additional  XXXX  payment. On  XXXX   XXXX ,    2017 I g et a call saying I am late with my payment. I set it up to come out on  XXXX   XXXX . Then I looked up my account and remembered I made my payment, so I called back and was then told my balance transfer and my blue rewards did not count as a payment.his is completely wro ng 4  people told  me four diffe rrrnt thing.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block , inc ) due to inadequate customer service and unfair practices which violates the consumer financial protection act ( CFPA ). Specifically cash app failed to take timely and effective measures to an address fraud on their platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and reregulation E. These acts have caused significant inconvenience and financial loss, and I seek redress for these violations.
Product: Bank account or service

I received notice XXXX that an account was opened up in my name at TD Banknorth.I called them and was told that there was no money deposited in that account.This morning I received another XXXX notification that on XXXX/XXXX/XXXX another account at that bank was opened again. I called and was told to fill out a fraud notification before they would go ahead with any investigation.
Product: Debt collection

Subject : Dispute Reasoning Letter - Request for Immediate Deletion of Unauthorized Inquiries from Consumer Report Dear Sir/Madam, I am writing to formally dispute the presence of certain unauthorized inquiries on my consumer report maintained by your agency, which violate my rights as a federal protected consumer under the provisions of 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b. I request that you take immediate action to delete these items from my consumer report in accordance with the applicable laws and regulations.

As a diligent consumer, I have thoroughly reviewed my consumer report and discovered the presence of inquiries that have been reported without my written consent, thereby contravening the provisions outlined in 15 U.S. Code 1681c-2. This violation is not only a breach of my privacy rights but also undermines the fundamental protections guaranteed to consumers under the U.S. Constitution.

Moreover, in accordance with the " saving to suitors '' clause as prescribed in sections 41 ( 3 ) and 371 ( 3 ) of title 28, U.S.C., I am asserting my rights to seek resolution of this matter through appropriate channels. The fraudulent reporting of these inquiries is in direct violation of the principles enshrined in the U.S. Constitution, which upholds the sanctity of individual rights and protections.

I kindly request that you promptly investigate this matter and initiate the necessary steps to delete these unauthorized inquiries from my consumer report. It is crucial that your agency takes immediate action to rectify this error, as the presence of these inquiries is not only inaccurate but also has the potential to impact my creditworthiness and financial well-being. 

Please find my information below for reference : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NC XXXX Email Address : XXXX I expect your full cooperation in resolving this matter expeditiously, within the prescribed timeframes as defined by the Fair Credit Reporting Act ( FCRA ). Failure to comply with these legal obligations may leave me with no choice but to pursue further action to protect my rights as a consumer.

I would appreciate a written confirmation acknowledging receipt of this dispute letter and providing an outline of the actions you intend to take to address this matter. Furthermore, I request that you provide me with a copy of my updated consumer report once the unauthorized inquiries have been removed.

Thank you for your attention to this matter. I trust that you will handle this dispute with the utmost diligence and professionalism, adhering to the legal guidelines and your responsibilities as a consumer reporting agency.

Yours faithfully,
Product: Debt collection

Arcon Credit Solutions has, as of yesterday, called me every 20-30 minutes with the calls starting at exactly XXXX. As of writing I have already recieved 5 calls and have over 20 calls from them yesterday
Product: Student loan

In XXXX, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against XXXX XXXX XXXX XXXX XXXX, the parent company of XXXX XXXX XXXX. The lawsuit, titled " CFPB XXXX XXXX XXXX XXXX XXXX XXXX, '' accused XXXX XXXX of engaging in predatory lending practices and deceptive tactics that misled students about the true costs and risks associated with their education. The CFPB alleged that XXXX XXXX pushed students into high-cost private loans that were likely to end in default, thereby trapping them in debt with little to no prospects of repayment due to the limited value of their degrees. This lawsuit played a crucial role in the eventual closure of XXXX XXXX in XXXX and contributed to federal loan forgiveness programs that provided relief to students who were financially harmed by XXXX XXXX 's practices. 

On XX/XX/XXXX, I submitted an application to my private student loan servicer requesting the discharge of my loans. I had attended XXXX XXXX and fell victim to their predatory practices when securing these loans. My federal student loans were forgiven under the relevant ruling. However, on XX/XX/XXXX, I received a denial of my application from Navient, with no reason provided for the rejection. Additionally, the notice of denial was issued more than 30 days after my application.