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

On XX/XX/2022 an aunathorized charge {$310.00} was done from XXXX. XXXX caught the charge informed me I told them to stop but the money was already withdrawn from my CHIME account via my debit card which is saved on my XXXX account. 

I informed CHIME of the unautorized transaction and they started an investigation. 

XXXX also did an investigation and they emailed me confirming it was indeed unauthorized. Since I started an investigation with my bank XXXX said they had nothing else to do CHIME would/should request their findings but I called XXXX and they informed me CHIME did not request any information at all from XXXX. 

Chime basically said because my card was in my possession and in the past year I have used XXXX for other transactions it was determined to be authorized. Unprofessional and lazy investigation from their part. 

I appealed them provided the communications with XXXX and they basically told me nope too bad sorry you dont agree. I asked CHIME to provide me with their " investigation '' documents and they havent provided me with anything. It is now XX/XX/2022 and I am still trying to get my money refunded back to me.
Product: Credit card

Purchased an air fare on Capital One 's travel website ( travel.capitalone.com ). This website offers a " price match guarantee '' with 5 clauses within the terms and conditions. 

Despite meeting all criteria ( as agreed by the 2 agents I spoke with on the phone ), capital one travel refused to honor the price match when I shared a cheaper advertised air fare with them. They stated that the business in question was on a " banned list '' for their price match guarantee despite the business still being valid to process purchases using Capital One 's own XXXX  credit card.
Product: Money transfer, virtual currency, or money service

Using XXXX  XXXX  to buy XXXX, I bought XXXX  to help someone who had a wallet get the XXXX  to help them with a financial issue that stopped them from coming back to the states. 

The total amount was {$110000.00} in XXXX  using the XXXX atm.
Product: Checking or savings account

Someone fraudulently was able to have a new debit card sent out on my checking account and also did a change of address in my name at my home ( unknown to me at the time ) and used debit card to get cash out at an ATM 6 times at a bank approximately 9hrs from where I live. I noticed the charges a coupe of days after and called the bank. They canceled that card. Apparently after it being canceled, that person tried using it again. I had the USPS do an investigation on my mail and found someone had forwarded my mail down to an address in Florida ( close to where the atm withdrawals were done ) which explains how they got the atm card. The bank will not refund these charges. They total {$2300.00} all together with the atm fees. I have provided proof of the fraudulent activity and still they will not refund my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to revalidate these items. It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Please reinvestigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$17000.00}, XXXX XXXX XXXX XXXX Balance XXXX {$9100.00}
Product: Student loan

I am a full-class loan forgiveness member of the XXXX XXXX XXXXXXXX class action lawsuit due to attending a school that was founded to engage in fraudulent activities. My Department of Education loans obtained while attending XXXXXXXX XXXX have been forgiven due to the aforementioned. In XX/XX/2024, I learned Navient has a School Misconduct application that can be submitted for relief of private loans if attended a school that engaged in fraudulent activities. The application has to be requested and Navient doesn't willingly provide information about the school misconduct application. I requested the application several times in XX/XX/2024 and never received it. I finally received the application after filing an initial CFPB complaint in XX/XX/2024. The school misconduct application was submitted to Navient on the same date of receipt ( XX/XX/2024 ). My private loans were placed on forbearance status within 24 hours of Navient receiving my application. Interest has accrued on my loans daily since being on forbearance. On XX/XX/2024 I received notification from Navient my school misconduct application was denied. I provided detailed information to Navient regarding how my school engaged in financial aid fraud, used deceitful recruit tactics, forced admission decision via giving a mandatory short reply window, and engaging in repeated episodes of lying regarding accreditation plans. In the denial letter, Navient failed to provide any specific reasons regarding what criteria was used to determine my private loans did not meet discharge requirements despite my documented attendance to a school that a federal government has ruled engaged in the fraudulent activities -- Information I listed on the school misconduct application provided by Navient. Please note based on consultation with others who have submitted the school misconduct application, Navient does not appear to be using any specific criteria to process the applications and is randomly approving or denying applications. Navient has failed to provide me with any specific criteria used regarding why my application for private loan discharge was denied. Assistance is needed in obtaining this information as the school attended clearly engaged in fraudulent practices that support discharge of any applicable loans consistent with federal court decisions that have already been rendered.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling od sisputes particualry with the with the recent CFPB lawsuit especially highlight significant issues with the platform. Despite using Zelle numberous times and reporting discrepancies with Zelle my financial institution and Zelle failed to investigate my claims adequately. They notified me that recovering lost funds was impossible and that tracking these transactions was unfeasable. The CFPB finding indicate that Zelle not only neglected to protect consumers but has also alloerd repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

Im receiving letters and phone calls of harassment, abusive and profane language, garnishment of bank accounts, death threats and threats of being sent to jail and prison continuously from Springer Collections Representatives for a debt of {$5000.00} they say I owe to XXXX XXXX XXXX for Child and Family Development in XXXX, Minnesota. The debt is a fraudulent debt and and is the result of identity theft. The debt isnt my debt. Springer Collections are in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and Minnesota.
Product: Bank account or service

Reference to Case number : XXXX ], Bank of America charged me a XXXX NSF fee because they held my certified funds cashier 's check funds for 9 days. This is an additional complaint for the XXXX Hide additional information for activity type bank charge XXXX NSF : RETURNED ITEM FEE FOR ACTIVITY OF XXXX ELECTRONIC TRANSACTION POSTING ... 

Edit Description activity type bank charge status type icon cleared Cleared. Select to mark activity type bank charge XXXX NSF : RETURNED ITEM FEE FOR ACTIVITY OF XXXX ELECTRONIC TRANSACTION POSTING ... as Reconciled XXXX XXXX Type : Bank chargeDescription : NSF : RETURNED ITEM FEE FOR ACTIVITY OF XXXX ELECTRONIC TRANSACTION POSTING DATE XXXX POSTING SEQ XXXX Merchant name : NSF : RETURNED ITEM FEE FOR ACTIVITY OF XXXX ELECTRONIC TRANSACTION POSTING DATE XXXX POSTING SEQ XXXXSelect to Editthe merchant name Transaction category : get more information about transaction categoryUncategorized : Pending
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a XXXX XXXX auto loan account and provided documentation of the lien release and title and XXXX fax reported after it was updated in XX/XX/XXXX. So they are still reporting it as I owe the debt. The account has been on my credit report since XX/XX/XXXX. XXXX  refuses to actually dispute anything. They even told me that inquires cant be disputed even if they are fraudulent. They refuse to remove anything off my credit even when I provide documentation that the item is incorrect or has been paid.
Product: Debt collection

Debt collector has put multiple derogatory entries for same XXXX debt owed. I have sent them proof it was paid and they still wont remove it and continuously put it on my credit multiple times when its the same debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to request a copy of my consumer report from sage-stream via their website and my mail. I was advised that i would received it within 10 days from the date of the request. I requested the report twice in XXXX and twice in XXXX of 2020 and XX/XX/2020 with no luck. I demand that this company send me a copy of my consumer report via mail immediately as it is my right as a consumer to have a copy of such file.
Product: Credit reporting or other personal consumer reports

Equifax please remove all credit inquiries on my credit report they are fraudulent, I did not authorize these inquiries, my information was used and someone committed fraud against me, my information was leaked on the dark web, there have been data breaches, Im going to attach the screen shots of my report with all these credit inquiries, I want these removed immediately, I have a credit freeze on my report, I do not want a fraud alert.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and equifax Has violated my consumer rights by reporting accounts related to identity theft 15 U.S. Code 1681i - Procedure in case of disputed accuracy please proceed accurately Victim of identity theft DELETE Fraud FTC Report attached under law 15 USC 1681 Section C ii also 15 U.S code S 1681c 2 the removal of fraud reported by consumer be deleted in 4 days or CFPB VIOLATION occurs. 

all documents attached to proceed with Deletion Police Report, FTC REPORT, ID, COMED BILL, and dispute letter attached 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 



HERE ARE THE IDENTITY THEFT ACCOUNTS & INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a XXXX XXXX XXXX and financed it with Navy Federal for {$56000.00}. On XX/XX/XXXX at approximately XXXXXXXX XXXX, I reached out to Navy Federal in regards to my protection plan on my auto loan and was made aware I did not qualify for GAP insurance until my loan reached 84 months. I was never informed of this policy until it was too late. The late afternoon on XX/XX/XXXX I was involved in a total loss accident which was deemed that I was not the at fault party. Due to no XXXX being attached to the financing in the amount of {$390.00}, I have been deemed responsible for {$27000.00} in debt with Navy Federal. Im a single XXXX mother of XXXX who attempted to pay this company $ XXXX {$450.00} a month but they are requesting almost {$700.00} a month for a loan that no longer has a vehicle attached and I keep being denied for the loan to be transferred to a personal loan or any other type. My personal insurance company applied {$28000.00} to the loan balance on XX/XX/XXXX. Im unable to pay the amount discussed above and its unfair practice on Navy Federal for not informing me of XXXX coverage not being applied to the auto loan.
Product: Debt collection

I requested validation from XXXX XXXX as I have a right to do so under the FCRA. Three letters have been sent as required for VALIDATION not verification. The debt amount showing on my report {$420.00} was removed between XX/XX/XXXX-XX/XX/XXXX but was reinstated without a 5 day written notice which is also violation of my consumer rights. I have not received the original contract showing my signature. This needs to be removed immediately from all 3 credit bureaus. A bill is not VALIDATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), Here is a list of the incorrect addresses that I am currently Seeing listed ( which I would like removed please ) : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, TN XXXX ( Previous/In correct Addresses ) There should only be one address listed on my report that is listed on the heading of attached letter. 
I also noticed that my name appears to be misspelled on my credit report. My name only has one Correct spelling, and there should be no variations listed because my name has no variations my name is listed on the heading attached letter I enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : ( Incorrect Names ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Also, Please remove in accurate employers as well as listed below : XXXX. XXXX XXXX. XXXX
Product: Debt collection

In XX/XX/2023, after 16 years of employment, I was fired by PNC Bank. Due to this, my payments on my PNC Credit Card got behind. In XX/XX/2023, I contacted PNC regarding a Hardship Agreement on my PNC Credit Card. I was approved on the call for the Hardship Agreement. This meant that for 12 months, my APR was lowered, late fees were waived, and my payment was lowered to {$390.00} per month. I was told I needed to make the initial 3 payments for XXXX, XXXX, and XXXX before the end of each month. Soon after, I made the payment for XXXX. I continued to receive calls and emails from PNC Credit Card Collections dept. Most of the time I ignored these calls and emails, but when I did answer, I advised them that I was in the Hardship Program. I assumed it would take a month or a billing cycle to get straightened out. Throughout the month of XXXX, I received calls from PNC Credit Card Collections Department daily, usually multiple times a day. I received emails and text messages stating they were collecting a debt. I eventually received a call from the representative who worked with me to apply for the Hardship Program. I advised her I was still receiving collection calls, despite making my XXXX payment and having until the end of XXXX to make my XXXX payment. The representative stated that the payment was actually due the XXXX of the month, but that I get a grace period which is why she said the end of the month initially. I was assured that once I made my XXXX payment, I would not receive any more collection calls. I made XXXX 's {$390.00} payment. I have continued to receive collection calls from PNC throughout the month of XXXX. This time, I advised that I believed this was against the Fair Debt Collection Practices Act. I had entered into the Hardship Agreement and made my payments on time as advised, but yet I have continuously received collection calls and emails from PNC. I filed a complaint within PNC Bank 's Escalations Department. I was eventually told that in the agreement I made for the Hardship, it states collection calls will continue. How is that fair? How is that legal? I have entered into a NEW agreement with PNC when I entered into the Hardship Agreement and I have made my payments as agreed upon, yet I still get relentless calls. I made my XXXX payment on XX/XX/2023. I received a call from PNC Credit Card Collections on XX/XX/2023. I spoke to a Team Lead - XXXX XXXX, who stated that even though I have already made my XXXX payment, I will continue to receive collection calls until the end of XXXX because I am in the Hardship Program. How is this even possible? Much less, legal? I contacted the representative from PNC Escalations and told her about the continuing calls from PNC Collections and that I was making a CFPB complaint.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of the hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file.
Product: Student loan

The institution that I attended ( XXXX XXXX School ) was closed due to mismanagement of Federal Aid. I believe that I was wrongly charged to attend this school and would like my debt amended, since this institution is no longer in business. I am still being charged by Navient which there is a lawsuit pending against for overcharging students. Thank you
Product: Credit card or prepaid card

I signed up for CitiBank AAdvantage Platinum credit cards that offered XXXX XXXX promotional miles based on a certain amount of spend. CitiBank checked my credit and approved me for credit cards. I completed the spending requirements and the miles were deposited into my AAdvantage account. Before I could use these miles, XXXX XXXX has since closed my AAdvantage account, where they claimed I violated their rules. Citi Bank approved me for these credit cards and owes me the value of the promotional miles promised since XXXX XXXX, confiscated my miles. I also lost any perks attached the the card, as XXXX XXXX stripped them along with my frequent flyer account. As such, neither of the companies is living up to their obligations.
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.

Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX and Equifax for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices, as outlined by the CFPB, included : Conducting inadequate investigations that fail to address consumer dispute properly.

Reinserting previously disputed and inaccurate information without explanation.

Failing to notify consumers about investigations results effectively.

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of accurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Payday loan, title loan, personal loan, or advance loan

Good Afternoon, After experiencing financial difficulties, I needed to enter a debt relief problem. They reached out to my loan company to try to work with them and at that point the loan company reached to personal reference to discuss my loan. I am the sole person on the loan. There is no cosigner. I called and asked them to work with my company and to not call my personal references as my privacy would be in violation with them discussing my loan with anyone not responsible for the loan. 

I also called their customer service line and asked for a cease and desist of all contact other than with myself and the debt company I am working with. 

Calls have continued to my reference. I also sent a cease and desist email today.
Product: Debt collection

XXXX XXXX XXXX has called me telling me i owe XXXX $ for 3 months of rent but me and my wife were on three month leases and were there for 6 months and on top they cant give me any proof of the lease or anything
Product: Credit reporting or other personal consumer reports

Good Afternoon : I AM A Victim Of Identity Theft/ Mail Fraud/ Internet Fraud/ And Cyber Fraud ; Whereas , A Police Report Was Submitted ; As, A FTC ( Federal Trade Commission ) Document Simultaneously. With That Said, The Enclosed Negative Accounts Are A Result Of Such ; Whereas, The Mentioned Financial Instruments ( Credit Cards, Loans, Mobile Accounts, Credit Inquiries ) ; Are Not, Of Legitimate Means, To My Identity ; And, Are Used To Acquire Credit Illegally : FRAUD ACCOUNTS : ________________________ - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am constantly being told I was approved for credit builder cards but then I get denied approval.
Product: Debt collection

On XXXX XXXX I received a collection notice from XXXX XXXX XXXX in regards to a collection account in the amount of {$2000.00} and while I have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. This account is not owned by me, and is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up complaint with my prior complaint dated XX/XX/2023, I want you to validate this reporting account : XXXX XXXX XXXXXXXX Balance : {$880.00} Please check the payment history, date open, last activity, and Status of the listed account I believe it was reported in error.
Product: Vehicle loan or lease

Good afternoon as of XX/XX/XXXX I Contact Volvo and as for the 1099-C That was Field on XX/XX/XXXX.