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

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX XXXX XXXX Account # XXXX, has violated my rights XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 to cause to believe that the information is inaccurate.
Product: Student loan

Since Navient started servicing my loan, I have been unable to apply portions of my payment to principle. They have been re-directing all or most of my payment to interest, therefore seriously delaying the pay down on my massive student debt. I have, at the suggestion of the lender, adjusted the amount I pay several times. Sometimes, the amount was adjusted without my consultation. However, the loan balance is still massive because very little is actually going to pay down the principal. I have paid Navient over {$24000.00}, through regular on time payments, but have only seen a fraction of that applied to bring the balance down
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} Charged off XXXX  XXXX XXXX  Reference # XXXX Date Filed/Reported : XX/XX/XXXX XXXX  DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} Late/Open DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} Late/Open
Product: Mortgage

We bought our house in XX/XX/XXXX through an in house loan. In XX/XX/XXXX the loan changed from a mortgage to commercial loan. In XX/XX/XXXX the was renewed without authorization or signature. Now we are trying to refinance to get the house back to a mortgage because without knowing we have been paying interest only since XX/XX/XXXX without getting a statement or payment coupon. The amount of the loan keeps changing and going up since we have started trying to refinance our loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting Act XXXX XXXX XXXX with account number XXXX has violated my right.

15 USC 1681 Section 602A. State I have a right to privacy.

15 USC 1681 Section 604A Section 2. It also state a consumer reporting agency can not furnish an account without a written instructions.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( XXXX ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX acct # XXXX, XXXXXXXX XXXX  acct # XXXX.
Product: Credit card or prepaid card

I contacted the company onXX/XX/2018 regarding my funds did not come off of my card at the atm. Machine When I got home and pulled up my account it showed that the XXXX came off but nothing was given at the atm. So I filed a disputed each time I called the company they provided different information. First they said they tried to put the XXXX back on their than they told me to wait three business after the 10 days was over after that they stated to wait 45 days. XXXX, or utilize the web site, www.usbankfocus.com, for inquiries.
Product: Money transfer, virtual currency, or money service

this is a long and confusing case crossing accounts and services. myself and the other person involved have written everything in letters that i will attach so all the details are there
Product: Checking or savings account

I purchased flights from XXXX for {$660.00}. There was a service fee {$76.00}. 

The total purchase was for {$4800.00} and made with a single transaction. 

The refund was broken into multiple transactions leaving {$660.00} unreturned in addition to a {$76.00} transaction fee. 

I have spoken with my bank PNC located at XXXX XXXX XXXX, XXXX, XXXX  XXXX in person with a banking representative. 

PNC refunded all but {$730.00} ( XXXX ) from the original purchase of {$4800.00}. PNC refuses to refund the remaining amount due back. 

PNC states monies can't be returned because we are outside the dispute windows. This is a contradiction since already refunding the majority of the original transaction. 

PNC has already refunded the majority of the original transaction providing proof a refund is due. PNC separated the transaction and refunded the majority of the transaction while refusing to refund the remaining {$730.00}. 

The transaction can't be outside the dispute windows and inside the dispute windows at the same time. Clearly the dispute was was within the dispute window or the refunds already processed would not have been valid. 

PNC clearly is contradicting their own policies and has lied verbally and in writing to me. 

Here are my terms : PNC will refund the remaining {$730.00} within 30 day to the account it originated from. If all of the funds are not retuned by XX/XX/XXXX, I will file XXXX XXXX PNC and will be asking for restitution for lost time, wages and counsel. Time lost will be billed at $ XXXX. XXXX hours spent to correct this error would be billed @ $ XXXX = {$6000.00}. 

PNC representative involved XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get verification of these debts since XX/XX/2020 with no success. I sent each company letters and disputed with the credit bureau for unverified accounts, but each time the information was returned as being verified. I sent two letters to XXXX and one to First Point. The first point sent a letter back saying they had nothing on file for me, but wanted me to send in paperwork with my name, SSN, Date of Birth, and have it notarized by a notary.
Product: Payday loan, title loan, or personal loan

I XXXX XXXX, was contact by someone named XXXX XXXX, who didnt leave the name of the company she is with, she left the claim number XXXX. Stating she is calling regarding my account with check into cash. The phone number she left for me to call her back is XXXX. XXXX XXXX also stated if this matter wasnt taken care of today XX/XX/2022, she would be sending an officer to my location to have me arrested. 

I have contacted Check into cash myself, and was informed by a customer care representative that after checking all three of their systems, I do not have an outstanding account with them. She informed to make a police report regarding the fraud. I contacted my local police department and they advised to submit the information here.
Product: Student loan

I have been dealing with XXXX XXXX, and i have been making small payments, which i have explained to them why that is, but they felt the need to withdraw {$610.00} out of my account without my acknowledgement or permission, and have sent my bank account severely into overdraft. I am struggling to make ends meet at the moment, and at the time i am paying medical bills, as well as life bills. I need that money back. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account XXXX XXXX XXXX is been reported in TransUnion wrong for a long time. The date opened, original balance and payment history are incorrect. I disputed this account with TransUnion many times and to this date the account still shows the same errors. This account have incorrect information and its been on my credit report for a very long time.
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 prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore there dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic funds transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I purchased a XXXX XXXX puppy at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, financed with Comenity Capital Bank for {$3500.00}. I returned the dog within the 48 hour period since my apartment will not allow. I offered XXXX 50 % of the financed amount ( {$1700.00} ) to close the account, and they refused. They reported if i paid cash, they would give 1/2 of the money back, but since it's financed to deal with them. I sent a letter to Comenity, explaining that my balance should be XXXX since the product was returned in a few hours, but they refused and want full balance owed {$3500.00}. This seems criminal that I have to pay for something I don't have with a 29.99 % apr attached. XXXX will resell the dog for {$3500.00} twice for a total {$7000.00}. Since everything was returned within the period, I want my balance to be {$0.00}, not {$3500.00}. I have all the documentation.
Product: Student loan

On XXXX/XXXX/2015 at approximately XXXX, I called Central Credit Servcies LLC at XXXX to make a couple payments ahead on my account. The lady that answered sounded like she had difficulty looking up my account. I had to give her my social security number about XXXX times for her to get it clear. Then she acted like she could n't find my account. I 've called before and they have it up on the screen where all I have to do is verify it. Then she said I have to CALL MONDAY to figure out what happened to my account. She asked for my account number, I gave it to her and she hung up. I was n't rude and do not understand why I was treated like this. I understand it was close to then end of business hours but had she not procrastinated, the payments would have been made. I take her actions as payment refusal and feel Central Credit Services LLC should free me from my loan. I called to make a payment and was refused.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late ! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 60 days 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. ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNever 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 8
Product: Credit reporting or other personal consumer reports

This is to follow up about a matter of utmost urgency regarding my account with Credit Bureaus, which has been erroneously flagged for late open. These inaccuracies have had severe repercussions on my financial standing and must be rectified immediately. Despite diligent adherence to the terms and conditions outlined in my account agreement, I was dismayed to discover that my account was flagged for late closure. This erroneous designation has tarnished my credit history and impeded my ability to secure favorable financial opportunities. Such unauthorized disclosure of sensitive financial information has exposed me to potential identity theft and financial exploitation. I demand immediate action to rectify these egregious errors. Please help me correct the account : XXXX XXXX XXXX XXXXXXXX Balance : {$7300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am submitting this CFPB Complaint to delete the following fraudulent information reporting in my Credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with the Credit Bureaus pursuant of the FCRA Section 605b. Once again, I need the following items deleted as soon as possible ; XXXX XXXX XXXX XXXX, MO XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1400.00XXXX XXXX XXXX XXXXXXXX Balance Owed : {$350.00} XXXX date of inquiry XX/XX/2021 XXXX date of inquiry XX/XX/2021
Product: Credit card

I applied for the promo attached for {$100.00} reward credit statement for the Amazon visa issue by Chase bank. 
However I have not received the {$100.00} I keep being bounced around between this XXXX misleading companies. At the end of the day the product is Chase, its a credit card managed and issued by Chase bank since same on their misleading partner doesnt want to be responsible to issue the promo then I need Chase to step up and be responsible for it. If failure to do it misleading complaints regarding advertising will be submitted to attorney general.
Product: Debt collection

In accordance with the Fair Credit Reporting Act, the account listed below has violated my federally protected consumer rights to privacy and confidentiality under the FCRA. 

Creditor : Aldous And Associates Amount Owed {$210.00} This account is being reported inaccurately and has violated my rights according to the following laws : 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. States : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) States : No consumer reporting agency may make 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 ) States : 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.

15 U.S.C. 1692e States : ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
Product: Payday loan, title loan, or personal loan

MoneyLion kept billing me even though I canceled my credit builder plus account after I paid for my loan in full in XX/XX/XXXX. I received a bill in XX/XX/XXXX and XX/XX/XXXX for the {$19.00} membership fee even though I clearly canceled the membership and completed the loan. The membership regularly costs {$19.00} and MoneyLion attempted to keep charging me claiming that I owed them additional money. Every time this occurred I had them escalate the issue and they refunded the money. This needs to stop so they need to cancel my account. They will not delete my account and more importantly my personal information. They have my direct checking account information and can just randomly bill me at any time and deny me a refund. My information has been compromised by MoneyLion.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of my XXXX loan debt by XXXX on my credit report. According to XXXX communication dated XX/XX/XXXX, there were {$1000.00} in fees added to my principal amount of {$340.00}. In a good faith effort to avoid negative discrepancies on my credit report, I made a payment of {$340.00}. However, this payment was subsequently reversed by XXXX, resulting in a reported delinquency on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my interest rate for a refinance with XXXX XXXX  over the weekend. Monday I started receiving calls from many, many phone numbers- some said scam, some said telemarketers, some just phone numbers. The number of calls as of today reached XXXX calls! This is unacceptable business practice. I contacted XXXX XXXX  who replied that they do not give out my phone number, but when they pulled the credit report ( which they really should not have, I was just checking rates ), the representative stated that the credit bureaus share my phone number. I am in disbelief that a consumer would be treated this way! I feel like I need to change my phone number. I am not sure what I can do, but this really needs to be reported and stopped. I appreciate anything that you can do to help with this situation. Thank you.
Product: Credit card or prepaid card

An account was setup fraudulently online with Citibank for a Home Depot XXXX credit card using my stolen personal information. This was done while I was out of the country in early XXXX. I have had the account closed and its being investigated by Citibank but when I spoke to their security people today and asked how Citibank would open an account from an online application without speaking to me the security person reported that they once to call me at my home number but when they couldn't reach me the went ahead and opened the account without confirming with me. I asked if this is Citibank normal process and he said no but with the shortage of employees they apparently cut corners and opened the account. When I returned on XX/XX/12 and saw the credit card in my mail, I tried to call them that weekend, but their customer service center is not open on the weekends so on Saturday the XXXX I went to a XXXX  store and reported the fraud, and they closed the account. I called the Citibank CS number on Monday to confirm and filed a police report that day. I also froze my credit reports at all three credit agencies. I think Citibank was negligent and needs to be investigated by the regulators for lack of proper security to protect consumers information and disciplined for what they are doing.
Product: Credit reporting or other personal consumer reports

Re : Identity Theft Recovery To whom it may  concern I am writing you to correct my consumer reporting personal information with the following name if you don't have it already as " XXXX XXXX XXXX ''. I have enclosed my government issued ID, social security card and court order along with an affidavit of identity for verification purposes.please update immediately.
Product: Checking or savings account

On XX/XX/XXXX there was a wire transfer to XXXX XXXX in XXXX for {$8500.00}. I did not allow this wire transfer to happen. This money was taken from me without my consent. I dont know this person and I dont know who could have done this. I am banking with Chase and they havent followed up with me or told me of what theyve been doing.
Product: Checking or savings account

On XX/XX/2018 I realized that I had a debit that was pending that would cause my account to be negative it showed the account was negative XXXX all other transactions were already pending and had been deducted from my balance. Within minutes of realizing this I immediately transferred funds from another regions account to put my account back into the positive and actually made sure I had at least XXXX or more so I didn't have a lose balance. Regions has said on many occasions that transactions are posted at midnight this was XXXX when all this took place so there was plenty of money to cover the negative XXXX. At midnight on the XXXX the account was not in the negative it had money to cover everything but I was still charged an overdraft fee on the XXXX now what is the point of having another account to transfer money from if your still going to charge an overdraft fee even though the money was in the account? This makes no sense there is no point in offering transfers if it does no good and regions still takes what they want anyway. I've read over XXXX complaints for this exact thing happening with regions at what point is the scamming going to stop. I'm to the point that it maybe time to find a more honest bank who conducts business the honest way. This isn't the first time this has happened after the last I told my wife I would handle all banking just to see for myself what was going and was appauled to see that they are actually doing this to customers.