23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My business receives calls from this company multiple times a day. If I decide to pick and actually reach a human ( rather than dead air like 90 % of the time ), I am offered no information, but am informed that the number will be " removed from their list. '' Yet the continue to call.
Product: Money transfer, virtual currency, or money service

I have been a customer of Blockchain.com for years and have never had any problems. On XX/XX/year>, I received an email where I was not sure whether it really came from Blockchain.com or was a phishing attempt. I reported this to support, who told me that this was a phishing attempt. I then received a request to change my password and similar. I was also advised not to use the wallet any further. I followed the instructions, but since then my account seems to have been blocked. Three withdrawals I made have not been processed since then ( XXXX, XXXX XXXX XXXXXXXX ). I have contacted support over 10 times since then, but each time they just tell me that the responsible department has already been informed and will get back to me. I should be patient. Now, after almost a year and three months, I still have not received any further support. 

Pending transaction ids : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never received any investigation results from the credit bureaus regarding the accounts I listed even though I have sent them letters multiple times : XXXX XXXX Account # XXXX | XXXX XXXX XXXX Account # : XXXX | XXXX XXXX XXXX Account # : XXXX | XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX | XXXX XXXX Account # : XXXX -- XXXX XX/XX/21
Product: Credit reporting or other personal consumer reports

I recieve email from the 3 bureuas saying I'm using credit repair company to send out dispute letters for the negative accounts I have which is wrong. i'm the one who send out letters here 's the lists of accounts and inquiries I want or need to be deleted CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$53000.00} CHARGED OFF XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX {$54000.00} XXXX  XXXX XXXX XXXX XXXX. XXXX, XXXX {$27000.00} LATE PAYMENT OPEN XXXX  XXXX XXXX XXXX, XXXX {$3200.00} INQUIRY XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX {$53000.00} CHARGED OFF XXXX XXXX XXXX XXXX XXXX, XXXX {$54000.00} INQUIRY XXXX  XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As coming XXXX of XXXX I want to show that one dictatorship company like Experian can define my destiny for a better life with unfair and inaccurate information in my report Like our Founding Fathers did to make possible our Freedom, I will make my freedom from Experian with the consumer bureau As human been and as citizen of this society XXXX Bless America I would like to have the right to sue Experian in federal court for credit act violations and unfair practices for not removing inaccurate information from my credit report This is my last complain with Experian Im a person with XXXX  XXXX and with XXXX sister and this if we can called Bureau Agency have treat me with the most unfair manners Im willing to send a letter to President Biden of how this agencies of credit bureau treat many people in the USA and how they need to be regulated by the government as XXXX community I want to show how XXXX American communities and XXXX communities we have to struggle with unfair and and inaccurate information in our credit report Maybe because of the lack of resources of lack of information to fight this system seems to be like a dictatorship called Credit bureau As poor proletarian class I called dictatorship because even with all proof they are the ones to at still decided my destiny to be able to rent, to by a car and others even they are wrong affecting my life if is no solution I will show this an example and send it to the White House that this must to be stop all this abuse by the credit bureau thinking that they are the XXXX I sent many proof to Experian by letters not a single response not even telling why I was wrong even I sent all the proof even they are the ones making several credit violation reports After of the proof that I showed to the consumer bureau Experian keep saying that acceptance now is verified and accurate 1 ) I showed the the last active date were all wrong The with all the credit bureau 2 ) the agreement dont have a signature or any identification of my self and only employees signatures which isnt legal 3 ) I have sent more than probably 20 complains to Experian about this account and they dont do nothing 4 ) this is a great violation act Experian is committing and this inaccurate information must be remove immediately 5 ) they are not investigation anything If Experian was investigation anything why XXXX is showing only one late payment? And neither of the 3 credit bureau match In other words they dont match at all This is completely illegal Experian have done several violations over and over and over and over and not even if informing me with a single letter about my dispute even I sent several letters The only choice I have today about this abuse because the right word is abuse and violations Experian have treatment with unfair practices Not going according to the credit act of consumer protection And didnt take off this inaccurate information even with all the physical proofs that I sent Now I will like to have the right to sue Experian in a federal court
Product: Credit card or prepaid card

Chase XXXX Visa - email sent to upgrade Visa was misleading, did not contain the facts about what was being removed from the rewards program, only included the new perks. 

Compared my prior statement to current statement and discovered that Chase removed the rewards benefit which earns 1 elite night credit per $ XXXX spent. 

Already submitted a CFPB complaint on XX/XX/XXXX for the 15 night annual elite credit that I did not receive in XXXX due to Chase changing their timing yet is practicing discriminatory practices by giving some customers 15 nights in XXXX and other none ( refer to prior complaint ). 

This complaint is deceptive practices, deceptive marketing, violates FTC, fraud. The email from Chase lures the consumer into believing that all the prior benefits are in tact and you are receiving increased benefits by paying only {$10.00} more per year. 

Unfair practices.
Product: Credit reporting or other personal consumer reports

I had XXXX XXXX  first for my children and I but someone stole my email and phone number I had for 10 years and my XXXX account, identity theft. I tried to open an account with them again and they refused to add my children, so I left and went to Aura whom I have now and Aura refuses to help me with my problems with ID theft and fraud I have proof of. They won't even help get a fraudulent address off my credit report. I told them i want XXXX XXXX dollars and now I want XXXX XXXX dollars and free service for life! My children are missing, this is a SERIOUS SITUATION, i have police reports and ftc reports. My XXXX XXXX XXXX number is # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following NOT Metro 2 compliant accounts should be removed : Creditor : XXXX/XXXX  XXXX XXXX- Account : XXXX**** Creditor : XXXX/XXXX  XXXX XXXX- Account : XXXX**** Creditor : XXXX  XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX XXXX- Account : XXXX**** Creditor : XXXX  XXXX- Account : XXXX**** Creditor : XXXX XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX XXXX- Account : XXXX**** Creditor : XXXX  XXXX- Account : XXXX**** Creditor : XXXX XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX XXXX XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX- Account : XXXX********** Creditor : XXXX   XXXX  - Account : XXXX**** Creditor : XXXX  XXXX   XXXX- Account : XXXX******** Creditor : XXXX/XXXX  XXXX- Account : XXXX***** This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some  contractual obligation to pay this creditor.
Product: Credit reporting or other personal consumer reports

DEAR XXXX ; XXXX  ; EXPERIAN, AND CFPB ; There are 3 accounts that i been trying to dispute 3 negative items on my credit report such as XXXX XXXX, XXXX ; and XXXX that continues to report inaccurate, incomplete and erroneous. 

Plus Its been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment noted. They have not supplied this information and they must delete the alleged late payments on my credit report. Under Federal Law, they had 30 days to complete the investigation and by failing to do so, the item must be deleted from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX - 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. 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 has reasonable cause to believe that the informationisinaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act - XXXX XXXX XXXX  Account # XXXX XXXXn {$370.00} XX/XX/XXXX XXXXXXXX XXXX Account # XXXX {$1300.00} XX/XX/XXXX XXXX XXXXr Account # XXXX {$0.00} XX/XX/XXXX KXXXX XXXX XXXX Account # XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account # XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX  Account # XXXX Charge off {$1900.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX Repossession {$0.00} XX/XX/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.
Product: Checking or savings account

I am following up with CFPB Complaint Case XXXX. 

I complained that a teller at the XXXX bank provided me false information to delay my dispute submission which took me outside of the 60 day liability window within Regulation E. Truist did not address this item in their response at all and it leads me to believe they find this to be an acceptable practice which ultimately harms consumers such as myself.

I received the response letter that states " the documentation that was requested from Centralized Fraud Claims did not provide specific detailed information such as a receipt or confirmation email from the merchant to move forward with your case. '' Why is my dispute of merchandise not received impacted by the " centralized fraud claims '' team? I don't even know who this group is and how is it my fault that they didn't provide the receipt? That doesn't even make sense. It is the banks responsibility to disprove my claim. Please engage your legal department to ensure you have a proper interpretation of Regulation E as I find this case to be a violation of law. The subsequent letter they sent says that my dispute was denied because the transaction was authorized. Of course it was authorized. I never said it wasn't ... My dispute is that I didn't receive the merchandise. Please review my dispute as submitted and provide a lawful outcome that doesn't violate 1005.11 and the various requirements in that regulation. You have the claim categorized incorrectly and the fraud team is reviewing a dispute that wasn't submitted as fraud.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Debt collection

I have been with Navy Federal for 14 years, I have always paid my bills. 
I had added an ex-boyfriend to 2 of my accounts but later sent in the forms to take him off. Recently, I transferred {$2500.00} into my savings account I thought was my sole savings. It wasn't. It was still a joint savings account that Navy federal had FROZE and so my name was never removed. Then, NFCU stole over {$2000.00} of that money and allocated it to a debt that was not mine. I called them on XX/XX/XXXX and explained what happened. Their supervisor refunded ALL of the money and then transferred it out of the frozen savings account and back into my SOLE Checking. Then, on XX/XX/2023 Navy Federal again went in and pulled all of that money BACK out, resent it back to the {$2000.00} debt and pulled more money than what was left available as some of the money had been used for my daughters daycare. 

This has now overdrafted me {$800.00} and Navy Federal is stating that their hands are tied because that savings account is FROZEN and their is nothing that they can do to get it back. So, they sent me my money back, told me it was safe, then stole it and created more of a debt and financial hardship for me and my XXXX  children AND applied MY money to a debt that I am in no way associated with ASIDE from the fact we had a joint savings account that could not be CLOSED BECAUSE NFCU froze the account.
Product: Credit card

It is basic that this record is excluded from my acknowledge report, as it isn't mine and seems, by all accounts, to be fake. I urge you to promptly address these errors by taking the necessary measures.
Product: Student loan

I am filing this complaint because I am concerned that my personal and financial student loan information may have been accessed without my consent due to reports that the Department of Government Efficiency ( DOGE ) and XXXX XXXX team were granted access to U.S. Department of Education systems.

Details of My Student Loans Loan Servicer : Aidvantage Loan Type : Federal Direct Loans ( Subsidized & Unsubsidized ) Total Loan Amount : {$39000.00} Number of Loans : 8 loans Schools Attended : XXXX XXXX ( XXXX  ) & XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX First Loan Disbursed : XX/XX/XXXX What Happened On XX/XX/XXXX, I became aware through a XXXX XXXX news report that unauthorized third parties may have had access to borrower information within the U.S. Department of Education.

I have not been notified by my loan servicer or the Department of Education regarding whether my personal data was accessed, shared, or misused.

This raises concerns of a potential violation of the Privacy Act of 1974 and the Family Educational Rights and Privacy Act ( FERPA ).
Product: Student loan

Please restore standard consumer bankruptcy protection to student loans and make America great again! 

Capitalized interests on student loans is unjust and fraudulent. Congress has allowed corruption to prey on student loans that was formed to help students. Instead it has crippled the economy and forced XXXX former students to lead a lifetime of debt with XXXX in student loan debt. Interest collecting interests. How can it be that my total original loan amount is {$150000.00}. And I paid {$120000.00}. And 10 years later still have a balance of {$180000.00}??
Product: Checking or savings account

PNC Bank didn't notify account holder of account closure. Bank card type Prepaid / Cash ( Smart Access ). Account receives Direct Deposit from XXXX, XXXX. 

Bank declined to disclose particulars to reason for closure. Bank account active since 2018. 

At this time ; bank balance remains unknown/ not in the account. After bank cleared direct deposit, it resulted in bank closed account. Account holder contacted number provided to this service, although was told " bank reserves the right to terminate relationship at anytime ''. 

Account older has no funds due to this unexpected closure.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report this morning, and Im at a loss for why theyre there. I regularly check my report, and I was caught off guard by these unexpected discrepancies. I refreshed my browser to ensure it wasn't a mistake, but the inquiries persisted. I am really frustrated by this and am asking for a thorough review of my documents so I can finally have peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom This May Concern, I pulled my credit report from each bureau to start the 2023 year. I noticed that there were some inaccuracies in my report on multiple accounts. I decided to mail validation letters to XXXX, XXXX, & XXXX on XX/XX/2023. In the letter I asked for each bureau to verify that the information was correct on the accounts in question. I never got a response from XXXX. XXXX and XXXX both verified all information as being accurate and they responded within 30 days. 

The information HAD NOT CHANGED AT ALL, BUT WAS CLAMIED TO BE VERIFIED. THIS IS A CLEAR VIOLATION OF THE FAIR CREDIT REPORTING ACT! 

I repeated this same process on XX/XX/2023. The bureaus received the Validation letters on XX/XX/2023. The only bureau that responded was XXXX. They sent a detailed copy of my credit report. They were still claiming that the information was accurate. 

After pulling my credit report once again. ALL THREE bureaus are still reporting different : High Credit Limits Last Reported Dates Date Last Active Date of Last Payment Different Balances The bureaus lied to me and said that the issues were corrected, but they clearly have not been corrected. This a VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. If each bureau is receiving accurate information on these accounts then all the items I listed should be reporting the SAME ACROSS ALL THREE BUREAUS!
Product: Checking or savings account

This is a two part complaint. I had a Wells Fargo account from about XXXX to XXXX. In late XX/XX/XXXX, I opened a checking account online. 
I was cheated in XXXX for {$210.00} for a dispute with merchant XXXX for a charge that was not supposed to be authorized. The card involved was XXXX. I tried previously to resolve this with Wells Fargo who was known as Wachovia at that time but the representatives were rude and unhelpful. 

For the XX/XX/XXXX checking account, I received the checking account info in the mail from Wells Fargo in early XX/XX/XXXX, and I arranged for direct deposit and although it was delayed it eventually posted to the account. However I never received the {$200.00} bonus for new customers. Also I am requesting a waiver of a {$10.00} fee that was assessed around XX/XX/XXXX since the direct deposit was delayed. 

All supporting info is available upon request. Thank you.
Product: Credit reporting or other personal consumer reports

It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress.