23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I borrowed a loan from One Main Financial ( I believe it is a national agency ) in good faith. The problem started with my monthly statements, and that on the form I never saw the interest being accumulated. Also, the amount that I paid this company is not reflected on my statement either, but a different amount that is clearly inaccurate. By doing this, this has caused me much worry and anxiety from the onset. This should all be very clear to ALL CONSUMERS.I complained to the company about this before and was treated very rudely ; in addition the person used hard to understand financial terminology. As of Today ( XX/XX/2021 XXXX, I again spoke to a loan representative from One Main about my issue/complaint. I told her I did not understand what she was talking about. She mentioned something about a " rule of 78, '' and that I should look it up, When I did look this term up, I discovered it is a scam used by some agencies, and that it was outlawed.

When I told the loan person ( Ms. XXXX ) this and that what the company was doing was illegal and unethical, and she should have been explained to me when I applied and borrowed the loan, she then hung up on me. Before hanging up, she threatened that I will be reported and that I will likely " never get a loan again and my credit will be destroyed. '' By hanging up on me, this just corroborates my stance that I was duped and cheated. I thought this was a reputable company, but I've discovered it is not. I am a Senior on a fixed income, and don't deserve this -- NO ONE DOES. I am hoping that the Consumer Financial Protection Bureau will help me, and work to resolve my issue/complaint. In good faith, I will pay back my loan, but I will not pay this unfair and loan sharking interest this company is trying to pull. This is clearly XXXX, and when the person hung up on me and using evasive terms and actions they are using, well this is why I am writing this complaint in the hope that they stop what they are doing. I know I am helping other consumers. Thank you.
Product: Debt collection

Reached out to the National Credit XXXX to obtain verification, contracts, and original debt amounts. Company is stating that I owe on funds when my lease was over in XXXX of 2023. Keys were mailed to rental office of XXXX XXXX XXXX XXXX NC. There should have not been any additional amounts applied to my contract as my lease was over and keys were mailed to company. The debt collector is falsifying my report hindering me and my family from receiving a home. Under the FCRA any information reported falsely should removed from report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA requires that a CRA reasonably reinvestigate any disputed information contained within a consumer 's credit report after receiving a direct dispute from the consumer. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Upon receiving such a dispute, a CRA has thirty days to perform the reinvestigation and to notify the consumer of the results. 

The CRA TransUnion, XXXX, and XXXX are not conducting reasonable reinvesting with XXXX serving regarding credit history from XXXX to XXXX regarding student loan debt. 

All loans has been in a current status from XX/XX/XXXX-XX/XX/XXXX and never late. Two student loan were report as being paid in full in XX/XX/XXXX but has been deleted from my credit report with the three CRA. 

On XX/XX/XXXX all accounts were paid in full but were delated by the three CRA due to my XXXX and race. 

The bankruptcy case was closed and discharge in XX/XX/XXXX and hasn't been removed by XXXX. The collection item with XXXX is not accurate information and XXXX has not investigated the matter. 

TransUnion has not investigated the credit history with XXXX serving from XX/XX/XXXX- XX/XX/XXXX. 

XXXX has delete my credit history with XXXX serving after the account were paid in full on XX/XX/XXXX. 

All inquiries are fraud and were I didn't give my consent to anyone but XXXX XXXX XXXX. 

Under the FCRA, CRAs have a duty to follow reasonable procedures to assure the maximum possible accuracy of consumer information when preparing a consumer report. 15 U.S.C. 1681e ( b ). In order to maintain a cause of action under 1681e ( b ), a plaintiff must show that : ( 1 ) the CRA negligently or willfully failed to follow reasonable procedures to insure the accuracy of the credit report ; ( 2 ) the information was inaccurate ; ( 3 ) there was an injury ; and ( 4 ) the injury was a result of a failure to follow reasonable procedures.

XXXX, TransUnion and XXXX has not provided any evidence to establish that the did an investigation under the FCRA regarding all dispute from XX/XX/XXXX-XX/XX/XXXX. The FCRA requires that a CRA reasonably reinvestigate any disputed information contained within a consumer 's credit report after receiving a direct dispute from the consumer. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Upon receiving such a dispute, a CRA has thirty days to perform the reinvestigation and to notify the consumer of the results. 

I haven't received any results from the CRA under the FCRA regarding my student loan dispute.
Product: Student loan

XX/XX/2024 : XXXX ( MOHELA ), I was personally called about starting back my payment for my Student Loan that I am currently waiting for employment verification since XXXX and resubmitted at end of XXXX, during that time I am well over the required amount of payments of 120 for PSLF and should not have to pay any more money due to working in schools my entire working career. As we wait for that, the person From MOHELA called this morning, and explained that it was all on the department of education in terms of when the employment verification would happen. I understood that, but then she implied that we would not receive PSLF forgiveness unless we were current with the loan or paid back the now 2 months we have decided not to pay on the loan, based on the fact that forgiveness should have been resolved prior to payments resuming. As we have been lied to by these companies in the past and have lost over XXXX dollars it is hard for me to trust that in paying them, once my loan is forgiven which it will be, that magically I would somehow receive our money back. Hard to understand that once you are finished with a loan that you would somehow need to continue to pay on it after these multiple 90 day periods of waiting. Would love some help in making sure others are not lied too, and any help would be appreciated. Thank you.
Product: Debt collection

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances of establishing a great history with the current company. The name of the inquiry is ALLY FINANCIAL. The inquiry date is XX/XX/2018. The bureau reporting is XXXX  and XXXX. Thank you!
Product: Checking or savings account

I am writing to file a complanint against Navy Federal Credit Union regarding multiple overdraf fees I have incurred. Despite having sufficent funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB finds against Navy Federal for similar practices, wherere transactions settled with insuficent balances despite intially availabe funds. i believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Student loan

XXXX, told me I couldnt pay more on my loans when I was trying to pay them off early. They were trying to keep me to keep paying and have my interest build. They told me the only option to change my loan payments forberance
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX Balance : {$420.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$550.00} ; XXXX ( Original XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint on both agencies XXXX and Experian for reporting inaccurate information in regards to one account XXXX XXXX XXXX. I have gotten results back from both agencies and both agencies are reporting two different FEDERAL removal dates within a 3 month difference for this one account to be removed which is impossible if they were reporting the information the creditor has furnished to them correctly. XXXX results state " we have verified this account belongs to you '' which they have miscategorized my previous request in which I had already put them on notice that the estimated month and year this item will be removed was inaccurate because the payment history does not prove it. XXXX had failed to fix this error because the date remains the same. I've never once denied ownership of this account with XXXX and experian, my disputes have always been based on inaccurate reported information. 

XXXXs results XX/XX/XXXX federal 7 year removal date XX/XX/XXXX Experian results XX/XX/XXXX federal 7 year removal date XX/XX/XXXX to my understanding 1681i ( a ) ( 5 ) ( A ) ( i ) if AFTER any reinvestigation a item remains inaccurate, incomplete or can not be verified the reported item is suppose to either be Modified to the maximum possible accuracy 1681e ( b ) or Deleted. This account has not been modified accurately. how is it possible that both agencies conducted a investigation with the same creditor and supplied Mme with results but both results reflect different FEDERAL information. the payment histories with both agencies report the same date of commencement of the delinquency date of XX/XX/XXXX further more proving that both agencies are not even reporting the correct month this account is schedule to be removed. to my understanding according to 1681c ( c ) ( 1 ) the 7 year period shall begin on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. Such date is required to report and report accuractly with respect to any deliquenct account. Both agencies are reporting inaccurate information and have illegally re-aged this one account and is not reporting what capital one has furnished to them correctly. I've disputed with the consumer reporting agencies and gave them a chance to fix this account on numerous attempts, I have disputed with XXXX XXXXXXXX under XXXX tracking XXXX and waiting for there response in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX Balance : {$360.00}
Product: Money transfer, virtual currency, or money service

For 6 months, since XX/XX/2017, I have been trying to recover funds ( ~ $ 20k ) in my Coinbase account because of lost access to a secondary account email address ( I still have access to my main account email ). I originally filed a support ticket in XX/XX/2017 and have followed up with the support call center 8-10 times since then. Coinbase has never followed up with me regarding the issue, and has never even responded to a single email from me ( I have been assured that the email address is monitored by staff ), and I am only ever able to receive feedback when I call the support call center, which I am told that I am in a queue and there is nothing further that the support team can do for me. I am desperate for progress on this issue and Coinbase seems unable or unwilling to help. Please help me in dealing with this company, I do not know what else to do. Thank you.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM Equifax.
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as Equifax, XXXX and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX XXXX XXXX Balance {$730.00} XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX Balance - XXXX XXXX XXXX Balance {$140.00} XXXX XXXX XXXX XXXX Balance {$170.00} XXXX XXXX XXXX Balance {$750.00} XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX Balance {$1200.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Balance {$140.00} XXXX XXXX Balance {$95.00} XXXX XXXX XXXX Balance {$2000.00} XXXX XXXX XXXX  Balance {$18000.00} XXXX XXXX XXXX XXXX  Balance {$170.00} XXXX XXXX XXXX Balance {$730.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$140.00} XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Money transfer, virtual currency, or money service

I started using XXXX as a company I deal started using this as the only form of payment. The app work great for the first 2 months. On XXXX18 I was notified that a payment sent to me was returned. I contacted XXXX and talked to several Reps who stated they did not see a problem but would " tweek '' the account. Several hours later I was unable to log into my account. Again, after speaking with several reps I was told I was no longer eligible to use the service. When I inquired as to why was there a problem with my bank account or debit card so that I could try to correct the problem. I was told they could not/would not tell me only that I could not use the app. I was totally surprised as they did not want to help, only cancel my account. This is the only was the company will pay me. They treated me rude and would not tell me why they deleted my account. They also first refused to let me speak to a supervisor. When I finally did speak to one she stated she could not go into detail with me and there was nothing more she would do.?? I was wondering if my account was hacked or compromised, but again she would not tell what the problem was, only that " I '' could not use the app. I have good credit and am financially sound. There are no reasons I know of to be treated this way
Product: Debt collection

XXXX XXXX {$2500.00}. I contacted XXXX and requested the for the original contract.Then I contacted XXXX XXXX XXXX they been telling me they will send me the original contract for the last XXXX months. Thank you
Product: Debt collection

From XX/XX/XXXX to current time ( XX/XX/XXXX ) I have been back and forth with a third party company who another party sold my information to for another previous party. I have asked to make a settlement and they said I wasnt eligible to do so ; even though settlement documents were sent out a handful of times throughout the above period. This account is over 7 years old and they keep restarting it on my credit report as if it is recent. The car was repoed XX/XX/XXXX. The car was already auctioned off years ago. I have given them over {$300.00} but stopped to the fact on them trying to keep damaging my credit With no guarantee of removal of discrepancy even after payment. Company is located in Texas, I live in Virginia. Information is also inconsistent across all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is still appearing on all three of my credit reports although the balance has been satisfied. It still shows as an open loan with the full amount due and that is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon learning about the XXXX security breach I and doing research on my options I decided to try to freeze my credit at all 3 credit reporting institutions. 

It 's already bad enough that every adult in the United States has to assume that their information has been compromised and that we all have to worry about a heightened risk to identity theft. 

The issue is that I ca n't get my credit frozen at ANY of the 3. As of today, which is Wednesday, XX/XX/XXXX, I have tried to freeze my credit online and over the phone at all 3 major credit institutions. I 've run into issues ranging from websites being down, to automated messages saying that my information could n't be verified. 

We need a central agency that can handle this kind of thing like a professional, because it 's clear these amateurs ca n't. 

It 's despicable that these agencies are now trying to sell their credit " locking '' services in which they are charging compromised consumers money for THEIR mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against Capital One Bank USA NA. Capital One Bank USA NA is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that Capital One Bank USA NA is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave Capital One Bank USA NA any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following are fraudulently furnished inquiries. I did not authorize, benefit from, nor consent to these inquiries and I demand they be removed from my consumer report immediately : XX/XX/2021, XX/XX/2021, XX/XX/2021 ( XX/XX/2021, XX/XX/2021, XX/XX/2021 ). If they are not removed, I will hold Capital One Bank USA NA criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. These negative items on my consumer report are preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If Capital One Bank USA NA can not provide to me a copy of when I sent a written permissible purpose to validate these inquiries, I demand they be deleted in 4 days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiries that is being fraudulently furnished.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account, these fees were assessed despire having sufficient funds available at the time the transaction was authorized. however, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. this issue appears consistent with recent findings by CFPB which identifies similar practices by navy federal credit union, where transaction settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair
Product: Debt collection

i am lodging a formal complaint against firstpoint collection. this debt collector has reported derogatory info on my credit reports for a {$240.00} debt that doesnt belong to me. I have sent this company numerous debt validation request with no response from them, but they are reporting every month on my credit reports, which is a violation of the fcra. a debt collector must cease and desist while validation is provided. i am in the process of purchasing my very first home and im being told this account that doesnt belong to me is stopping me from being approved. im requesting this account be deleted immediately from my credit reports so i can purchase my home for my kids. thanks for your time.
Product: Credit card

On XX/XX/XXXX, I noticed that my Navy Federal Credit Union credit card declined a payment. I had recently paid my credit bill, so I was confused as to why my credit card did not work. When I called Navy Federal Credit Union, I was told that my account was closed, but I did not receive any correspondence from them about this closure.
Product: Credit reporting or other personal consumer reports

I had a XXXX  XXXX on a 3-year lease, but after an accident at the 2.5-year mark, the car was totaled, and the lease was paid off through my insurance company. I was able lease a new vehicle immediately after the accident and was told everything was in good standing. After I signed a new vehicle lease I recevied a past due balance {$1200.00} on my credit report significantly impacting my life by hindering my ability to obtain loans, rent apartments, get certain jobs, and even access utilities, as lenders and landlords. XXXX XXXX stated the tires were not XXXX factory tires. The vehicle was paid in full and the tires were all original to the vehicle. They have made no effort to show me proof or willingness to correct the error.