23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXber : XXXX
Product: Checking or savings account

On XX/XX/year>, Capital One failed to send my direct deposit. Some system error occurred. I have multiple bills to pay and can not pay due to not receiving money. They need to compensate for this error which caused problems. I called them and they cant do anything about it.
Product: Credit reporting or other personal consumer reports

I disputed an account reported by XXXX XXXX XXXX XXXX on my TransUnion credit report because the information appears inaccurate and unverifiable. TransUnion responded by stating that the account was verified as accurate, but they failed to provide any supporting documentation proving the validity of the debt. 

Issues with TransUnions Investigation : Failure to Provide Validation TransUnion did not provide a signed contract, itemized billing statements, or proof that XXXX XXXX XXXX legally owns this debt. 
Balance Discrepancy The past-due balance increased from {$18000.00} to {$20000.00}, but no explanation was given.

Unverified ReportinXXXX XXXX XXXX XXXX may not have the legal right to report this debt, yet TransUnion continues to list it.

FCRA Violation Under 15 U.S.C. 1681i, TransUnion is required to conduct a reasonable reinvestigation and obtain actual documentation proving the debts accuracy. They failed to do so.
Product: Checking or savings account

On XX/XX/2021 I received notice by Fifth Third bank that the State of Ohio Department of Taxation obtained an order of garnishment against me in the amount of {$3300.00}. The funds were placed on hold and a check was sent to the Clerk of Courts by Fifth Third bank. I resolved this matter on XX/XX/2021 by paying the amount required to the Ohio Attorney General Collection Enforcement office to have my funds released. I was informed by them that if I made the payment over the phone that my funds would be released within two weeks. 
On XX/XX/2021 check # XXXX in the amount of {$3300.00}, that was sent by Fifth Third bank to the XXXX County Clerk of Courts, was returned to Fifth Third bank uncashed due to an error in filing by Fifth Third bank. 
On XX/XX/2021 my garnishment was released. After several unsuccessful attempts trying to reach the Compliance Department at Fifth Third bank via their customer service number and being transferred, I was given an email address ( XXXX ). On XX/XX/2021, I requested that XXXX from The Ohio Attorney General Collection Enforcement send an email to them requesting release of my funds. He confirmed the email and in addition mailed the release to them at that time. To date I have had no response and my funds have still not been released. The case # is XXXX and the reference # is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Account with Best Buy Has violated my rights. 

15 U.S.C 1681 section 602 states I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B states A creditor may not treat a payment on a credit card under an open end credit plan late for any purpose
Product: Debt collection

Account : ending in XXXX Original Creditor : Citibank, N.A Current Owner : XXXX XXXX XXXX Resurgent ID : XXXX I mailed a cease-and-desist letter to company notifying them that i was disputing the debt and requested that they have no further contact with me after they failed to produce proof of ownership of debt or proof that they were collecting a charged off debt from Citibank , N.A . They have threatened to sue me in court about a time barred debt. They have never provided me with the 1099 that I asked for which Citibank would have filed taxes as this would be considered lost income for their company. I'm a XXXX XXXX XXXX with no income, I've been denied SSI- XXXX XXXX XXXXXXXX twice hence no income. Their reckless disregard for my health has caused me additional emotional and physical hardship, I'm stressed about this matter. I was told when I spoke to Citibank representatives years ago when they had written off this account that I would have to file it on my taxes as a 1099 and that they would written off the account after COVID when we had a disagreement about the balance. I'm seeking your assistance in this matter, Please have this company harassing me because I owe them nothing.
Product: Credit reporting or other personal consumer reports

Last week I submitted a letter detailing two XXXX accounts that I do NOT have, identity theft report, a notorized affadavit of truth, my legible ID, Proof of Address, and a copy of FCRA 605B ( a ) requesting that these accounts be blocked per federal consumer law. I recieved an automated generic template response stating that my request was denied due to either material misrespresentation or request submitted in error. This is a known delay and deter tactic that Experian has used many times with consumers to avoid removing erronoeous information on credit files for their own monetary gain. I specifually stated in the letter and the affadavit that this request was NOT made in error and that this request was NOT made as a result of material misrepresentation. I stated this because I KNEW experian uses these automated generic responses to make it almost impossible to consumers to remove inaccurate information from thier credit file. 

I called Experian which makes it almost impossible to reach a live person, and finally reached XXXX in the Special Services Department. XXXX would not state her employee number nor would she reveal what office location she was working in which was very shady. She explained that the request was denied because they verified the info in their system was correct. How can that be properly done in less than 24 hours? When asked what method of verification was used, XXXX stated in an irritated and condecending tone that she could not disclose what type of investigation was used. I then told her that I followed FCRA 605B ( a ) when i met the requirements for this request and that by federal law they must follow the FCRA and not their own random made up procedures. I requested the information they had on file or used in the investigation and was told that I couldnt recieve that information. Experian does NOT follow consumer laws! This is unethical and should be investigated. There have been numerous lawsuits regarding this very issue. Research Osada V. Experian Osada v. Experian Info. Solutions, Inc., Case No. 11 C 2856 ( N.D. Ill. Dec. 20, 2012 ) and many other cases where Experian has pulled this stunt. Per FCRA these items SHOULD have been blocked within 4 days of reciept of my request with all the proper requirments met Per FCRA 605B ( a ). They refuse to follow consumer law and refuse to provide the consumer with any relevant information pertaining to the consumers files. Which means that if there is inccorrect information in their files, then they would continue to report in accurate information after being notified by the consumer that such info was in accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 XXXX XXXX XXXX XXXX XXXXXXXX
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 violate the Consumer Financial Protection Act Specifically Cas App failed to take timely and effective measures to prevent and 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 and Regulation E These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

please provide competent evidence of the following disputed account # XXXX as I have never applied for it and am not responsible for its alleged use.
Product: Mortgage

Their is a property foreclosure sale set for my home XX/XX/XXXX. The state of Tennessee requires a 30 day notice be given prior to a property foreclosure sale being set, the letter is dated XX/XX/XXXX and the sale is XX/XX/XXXX. I have resubmitted a modification request and financials. I do want to keep my house. I need your help to assist me in getting my mortgage modified. i want to keep my home. Thank You
Product: Credit reporting or other personal consumer reports

I am a known victim of identity theft. I have been dealing with this for over 2 years and for the most part I have been able to get this cleaned up except for a few items that I keep submitting the documents over and over and over to the credit bureaus. I feel like they are not blocking the account because the account number is only partial but I am literally getting the information off of the credit report so I am not sure what else they want me to do. it is a little ridiculous. The accounts are fraud, how would I have more information that this! I have wasted a lot of time and energy and money going back and forth with them and it is getting very tiresome.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts from my credit report, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be blocked and deleted : XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call XXXX XXXX XXXX XXXX XXXX since the matter is urgent. 
This is an automated service where one in not able to talk to live person. 
I think this is outrage that company, that can have real damaging impact on peoples life, limits the access to the company. With this kind of behavior this company should not have a license to operate in this country. 
I believe that they have things on the report that should not be there. 
This could have been resolved, if I had an access to the company. 
Written access in this instance is way to long, it can cause me immeasurable damage.
Product: Student loan

In XX/XX/XXXX, I saw an advertisement for the " Earn While You Learn '' school. I called the school it was XXXX XXXX XXXX. They had a XXXX XXXX training program they claimed would help individuals like me get a good job. However, there was XXXX concern of mine : I didn't have a high school diploma and I didn't speak XXXX. They told me that it wasn't a problem that I would take a test and they would go from there. I " passed '' which is strange because I did not speak XXXX I had to take their XXXX as a Second Language classes, and to this day I require a translator. According to my California XXXX XXXX XXXX paperwork, my loan was to cover XX/XX/XXXX to XX/XX/XXXX. I have paperwork showing that I was enrolled in classes as of XX/XX/XXXX. To the best of my recollection, I remember going to classes in XX/XX/XXXX ; the instructor told us to come back in a few days. However, when we came back to the school everything was gone! The classrooms were locked and the few rooms that were opened were empty. We were told nothing, we didn't know where to get any information. At this point, I had to start working and without my diploma, I could not get paid for the " training '' that I had studied for. Then I started getting the calls and letters to start making payments for the student loan that I had signed. I told them that I couldn't pay for services that were not rendered, I never received my diploma and then I was told that once I started making my payments I would receive my diploma so I started making payments. I never received the diploma and without that diploma, I couldn't get the higher money that I would receive if I had it. I have never been able to afford the payments. I even attempted bankruptcy and received a decision on XX/XX/XXXX to remove the student loan. It was only recently that I found the news article in the LA XXXX published on XX/XX/XXXX ( https : XXXX ). The school was already warned against getting student loans for students because the school had a high amount of students who were defaulting! The XXXX already knew that students could not pay back the loans that the school was pulling for these students. Other individuals had been going to the XXXX XXXX on XX/XX/XXXX attempting to get school records or start their classes and the campus was already closed. The same story, people trying to get information, and the school was already gone. Navient has claimed that the school officially closed on XX/XX/XXXX but that's just not true as proven by the LA XXXX XXXX. Navient has been the servicer for this loan for at least a decade now and they did not approve any type of low payment due to finances even when I was on XXXX due to a work injury twice. 
When the XXXX administration was trying to remove Student Loan Debt, I tried to apply for Student Loan forgiveness but was told that because my loans were under Navient I did not qualify for either the XXXX or XXXX plans because my plans were private. These days if a XXXX school closes on students within XXXX months of that student 's last date of attendance the loan is made null and void.
Product: Checking or savings account

I am writing o file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees duet o lagged posting of charges and credits.This issues aligns with the recent CFPB findings against Navy Feral for similar practice, where transactions settled with insufficient balance despite initially available funds. I believe theses practice are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( AUTO ), XXXX XXXX XXXX ( AUTO ) - DELETE ALL HARD INQUIRES AND COLLECTIONS.
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 6802, it is illegal for banks and institutions to report any data to third party companies without proper consent. According to FCRA section 605b it is illegal to report information on my credit report without my permission. I am not liable for the debts with XXXX XXXX XXXX. I do not have contracts with XXXX XXXX XXXX and they did not provide me with the original contracts as I requested with my wet signature and ID verification.
Product: Checking or savings account

Since XX/XX/XXXX. Capital One has funds in a checking account and the account was frozen due to an investigation. The investigation has closed in XXXX and funds are still in the account and the loan company had not received a email on how to retrieve their money. Now the account is back open and direct deposit that I was getting as paper checks because the account was closed are being deposited into this account. What President do I need to speak to to get this resolved. This case had been ongoing for several months.
Product: Checking or savings account

I open an account in early XXXX under promotional terms for {$300.00} and fulfilled them. 

I waited a month and called to see why I didn't receive the promotional bonus and was told I was never allowed to because I wasn't a 'new customer ' citing a previous account I had closed more than 5 months prior. I pointed out that I satisfied the 3 obligations in the fine print - not a current signer, no closed account within 90 days, and haven't been paid a bonus in last 12 months. 

Then I was told that because I missed that previous promotion I wouldn't be able to participate in the current one - valid from XXXX to XX/XX/31. 

Although I disagreed with the customer service representative and asked for another person to review my account, she said that is the final.
Product: Debt collection

I took out this loan in around XXXX, going through a divorce. I made payments but they were charging 299 % interest, and it became difficult, I believe last payment was made in XXXX or XXXX. I moved to Washington in XXXX, and had given them my updated mailing address. Then the pandemic hit and I couldnt work, now after 6 years they sent me some paperwork from a company called XXXX XXXX XXXXXXXX and XXXX XXXX XXXX threatening to garnish my wages. I didnt think they could come after you after XXXX  years, and neither of those XXXX organizations look very legit in a XXXX search. They have given me XXXX  days to respond and its already been a week. I have a job now but I am still recovering from the pandemic, and cant afford this right now. Thank you for any assistance you can provide. ( Listing company as Cashnetusa, however XXXX XXXX XXXXXXXX and XXXX XXXX are on the court order which is also to XXXX  XXXX, no idea who that is. )
Product: Credit reporting or other personal consumer reports

I WAS NOT GIVEN A FAIR OR PROPER INVESTIGATION MY RIGHTS WERE VIOLATED ....
Product: Credit card or prepaid card

I paid XXXX on XX/XX/2020 using Discover cards web site. On that same day the XXXX was deducted from my account and when calling to make sure it had gone through Discover showed the balance as zero but the available credit ar only XXXX dollars. A week later its still showing only a XXXX available credit but a zero balance. I called Discover on XX/XX/2020 at approximately XXXX XXXX and spoke to XXXX. She said that the payment was under review and that they sometimes do that to make sure it clears. I advised her that it was taken out the same day that I paid and she said that sometimes they just review a payment. I asked her what the criteria was and she didn't know. I told her I could understand if it was a check but not a bank transfer. This is ridiculous that they get to hold onto the money and not credit the account fully for available credit. What am I supposed to do going on a trip? Unacceptable practice. Never been late, paid off my balance in full what stupid money making trick is this?
Product: Debt collection

Starting on XXXX we began receiving automated calls from EOS-CCA instructing us to call them regarding an outstanding debt. No details were provided in the call, only an XXXX number to call. We have not received any alternate communication with details of the claimed debt. The calls were at least daily until recently when the frequency of calls has fallen to around one per week. Our home number is listed with the FTC Do-not-call list and I do not believe we have any pre-existing business relationship with EOS-CCA. 

From a review of our credit reporting it does not appear EOS-CCA has reported this debt any of the credit agencies.
Product: Vehicle loan or lease

The lending bank XXXX XXXX has broken the Military Lending act by charging myself XXXX XXXX XXXX an interest rate that is not in line with the MLA. An Interest rate of 24.9 % is not only predatory but unwarranted. the interest rate plus monthly and annual fees make it impossible to truly pay on the actual debt of the car. This is illegal and systematically predatory. I have spoken to XXXX XXXX over 10 times the fees and interest keep compounding and the balance is now higher than the original loan amount.
Product: Credit card

Concern # 1 : Alteration of previous purchase agreements ; change to promotional offer to include extra fees that did not exist when credit was lent which will be applied against purchases prior to change ; specifically : " We are adding a 2 % Promotional Fee to your account... This fee may be applied to any part of a purchase that was initially made before the effective date of this notice but that posts to your account after the effective date... The following Promotional Fee terms will be added to the How Fees Work provision of your existing agreement. '' " Promotional Fee. We will charge this fee, which may be referred to as a promo fee, for promotions 18 months or longer with no interest and required equal payments. The promotional fee will be calculated based on the total promotional transaction amount, including taxes, deliver and other applicable charges. The promotional fee will be included in your promotional purchase balance used to calculate your required equal monthly payments. '' This appears deceptive in practice to apply to purchases after the date of sale, which could not be considered when making the decision to utilize the credit offer. 

Concern # 2 : Charges for paper statements if chosen in lieu of electronic communications ; specifically : " We are adding a {$1.00} monthly Paper Statement Fee to your account. We will charge this fee as described below... The following Paper Statement Fee terms will be added to the How Fees Work provision of your existing agreement. '' " Paper Statement Fee. We will charge a {$1.00} monthly Paper Statement Fee to your account. We will charge this fee in any billing cycle in which your balance is greater than {$2.00} and you are sent a monthly billing statement in paper form, even if you also are provided it in electronic form. You can avoid the fee each billing cycle you are provided your monthly billing statement only in electronic form. '' This describes an unfair fee for individuals without access to electronic mail, or those who are unable to access, read, or operate electronic devices due to an illness, disability, or other impairment. This may also violate multiple state or federal laws that protect these types of consumers. No remedy is provided for these types of consumers to avoid the impact of these fees due to their inability to access or read documents in electronic form, without impacting their continued utilization to the account due to rejection of the changes.
Product: Debt collection

not my account. company is still reporting even though I 've notified them of such, filed a dispute with CRA and they have not provided proof that this is my account or the amount they say I owe.