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

On XX/XX/2021 I submitted an application to get a quad loan. Instead Cash Net USA came up and the stated they will handle my loan. I called the young lady that told me about the quad loan, she told me that none should be involved and quad is a app that you download to get a small loan for small purchases. Cash Net had approved me for a loan in the amount of {$1400.00}. I'm a senior citizen on a fixed income, I only get money once a month and I can't afford to pay the type of money back. Also their system read that the name wasn't matching the information I provided. I used my maiden name and XXXX contacted me, because they have my married name on file. I explained this to the representative and I was told to spell my name using upper or lower case. I immediately tried to contact their company to cancel that transaction. I never received a response that the transaction was cancelled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX 4. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continuously tried to resolve this with experian credit services they choose to keep reporting after XXXX  days reporting incorrect information this XXXX  account has never been paid late. All the other credit bureaus are reporting this correctly paid on time.
Product: Money transfer, virtual currency, or money service

I currently have XXXX PayPal accounts, which were both permanently limited & I can not withdraw nor deposit money using said accounts. 
The impact of this limitation is significant, as I currently have a balance of {$100.00} in the XXXX account and {$45.00} in the XXXX account. I can not withdraw these funds or perform any transactions, leaving me unable to access my rightful money. This situation is causing immense inconvenience and hardship, as I rely on PayPal for important financial transactions.
Product: Mortgage

I have had multiple issue 's with Nationstar Mortgage. My new and most current issue is my credit report. I sold my house almost 4 months ago. XXXX XXXX 2015. I recently applied for credit for my next home, only to find my credit report shows the whole outstanding balance from my previous home. They never updated/turned that information in. This has brought on additional headaches.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX, account number XXXX Account name XXXX XXXX, account number 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: Credit reporting, credit repair services, or other personal consumer reports

In accord with the fair Credit reporting act XXXX XXXX XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX XXXX  account number XXXX, has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can't furnish an account without my written instruction
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed that I have some hard inquires that I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX  XXXX Account # XXXX I was never late 30 days XX/XX/XXXX, 30 days XX/XX/XXXX, 60 days XX/XX/XXXX, 120 days XX/XX/XXXX 

Im not sure how this happened, I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.
Product: Student loan

Hello, I have gone through the proper procedure and contacted Navient corporate about my private student loans being discharged. They told me, I qualify for the school misconduct form. They told me I was elligible to recieve it and I filed the proper paperwork application with them. I provided ALL the proof to them. It was pages upon pages of proof, from emails with my school XXXX, to the entire course catalogue, proof from other cases and settlements, XXXX XXXX XXXXXXXX, XXXX settlement against Navient, and widespread knowledge that my school, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) has done unlawful practices. I have sent them the application with all this proof and am so disappointed it got DENIED. I want a detailed explanation as to WHY I got denied in writing, and which paperwork attachments they received from me. I want an appeal! Why have other people been approved for discharge, who attended the same school as me!? I was approved and sent the same info I did for my borrower 's defense application as my school misconduct form, with MUCH MORE proof! Please help me, I am running out of options, my loans have ballooned now to XXXX ( XXXX now after a month forbearance from the application pending ). I can not afford this, my life is destroyed from these predatory loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in dispute letter about inquire 's that was from identity theft XX/XX/2020. Trans Union have not responded. XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

The account was apart of my bankruptcy which was dismissed. Contact them multiple times to remove of credit report for the past two years.
Product: Checking or savings account

Yesterday I receive a letter via registered mail that all of my accounts with Charles Schwab will be closed on XX/XX/XXXX. No explanation beyond " Based on the terms of the applicable account agreement ( s ). My accounts include a brokerage, IRA, and checking accounts. I've been a client of Charles Schwab Since XXXX. 
In XXXX of XXXX I inquired about converting my checking account from a personal account to a joint account. I was provided forms to fill out, which I promptly did. I was informed a while later that other forms were needed, which I also filled out. Again, I was told that more information was required. Over the next several months I spent countless hours trying to work with Charles Schwab to make this simple administrative change, but was continuously confronted with road blocks. I made comments to the absurdity of the process, but did so in a constructive, intelligent manner, with no use of profanity or personal insults. I provide this background it is the only possible explanation for the letter I received, and the turmoil created by this order.

I've made calls in the last 24 hours in an attempt to get an explanation for this situation. I have only been told that it was a " business decision ''. People on the phone have been understanding and apologetic, but unwilling/unable to provide any context or explanation for the decision. 
I am nearing retirement, and this decision is creating a great deal of stress as I will need to quickly find an alternative home for both my investments and personal banking.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with Equifax XX/XX/XXXX and they said they removed freeze. On XX/XX/XXXX they said hadn't and I would have to fax Drivers License, Social Security Card and written request which I did on XX/XX/XXXX. They are now telling me it won't be lifted until possibly XX/XX/XXXX. They have refused to let me do it on-line or via the phone. My XXXX XXXX account shows it lifted until XX/XX/XXXX but when I click on credit report it says it is frozen.
Product: Credit card

Prior to XXXX XXXX turning over its Costco credit business to Citibank, XXXX XXXX resolved an account dispute with us, confirming in a recorded telephone call that we were entitled to a {$1000.00} credit and that such credit would be credited to our account forthwith. Before the credit was received, the transfer of the credit card business by XXXX XXXX to Citibank was competed. Citibank thereafter repeatedly promised ( in recorded telephone conversations ) to make good on the obligation it inherited from XXXX XXXX and complete the {$1000.00} credit forthwith. Citibank inexplicably has repeatedly failed, and now refuses, to complete the promised credit in violation of both its agreement to do so and in default of XXXX XXXX ' similar promise to which Citibank succeeded to. Citibank has even had some phony dispute resolution expert named XXXX XXXX pretend to be seeking a resolution of the matter. His promised response was never forthcoming, and his failure and refusal to return telephone calls confirms Citibank 's continuing bad faith in this matter. The dispute is unresolved after more than four months and countless hours of effort by us and unfulfilled promises from XXXX XXXX and Citibank.
Product: Checking or savings account

I want to close my account and Chase is refusing to close it without me visiting a branch. I have provided all necessary paperwork via fax and Chase is still refusing. I am hesitant to visit the branch because of the ongoing COVID-19 pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

WellsFargo, I 'm getting really tired of the run-around. 2 years ago ( XXXX ) I was told by one of your bankers in XXXX, GA, that it would help me organize my finances to open more bank accounts- an extra checking, an extra savings, and a personal line of credit. I foolishly followed that advice, and ever since you 've nickel and dimed me with fees. ( $ XXXX service fee on checking, $ XXXX service fee on savings, then {$35.00} overdraft fees when you drain my account ) The past few months I 've tried multiple times to close XXXX of my accounts. I 've gone into a branch to close it ( in XXXX, at a branch in XXXX, AL ), only to be told that they could n't do it. I was told you could n't transfer money from one of my accounts to another. How is that even possible? These are Wells Fargo accounts and I was there in person to verify the transfer! So, I 've tried transferring the full balance of one of my accounts to another online, then calling customer support ( beginning of XXXX ). They told me they could n't close the account because the transfer had n't gone through. Well guess what, when the transfer does go through ( it took XXXX business days ) and I have a XXXX balance, you guys charge me fees so my account goes negative. As you might guess, that also makes it impossible to close the account. I 'm not enjoying this game and I 'm not sure I want to play anymore.
Product: Credit reporting or other personal consumer reports

TransUnion credit report agency refuses to honor FCRA.. 
Federal credit reporting agency Attached documents below .they allow companies called XXXX XXXX XXXX XXXX to apply $ XXXX this shown on my account doesn't match below records even social security XXXXnformation doesn't match l Have copys TransUnion request my social security number to provide to XXXX XXXX Cause there information doesn't match. Records. That why l have Fraud in closed I provided copies my drivers license. .and provide social security card info this account been disputed. Since XXXX. FCRA. Stated if information shows not correct .should be removed .instead. It has remained on my creditreport .it has already been XXXX xdisputed TransUnion supervisor requested police report. I provided included in the dispute XXXX provided police reports this. Accunt Showing up on my credit report. Seems tranunion request information it helps these. company win dispute. I also have FRAUD inplace Alerting All companies not to file on my credit report. Why the reason of the fraud alert. I placed but instead TransUnion is holding me accountable for account.have all information to remove this off my credit report l refuse to make a payments on anything that doesn't belong
Product: Credit reporting or other personal consumer reports

Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

ok they called me at work and this is all they can send me i was told if i didnt set up a payment plan i would be sent to lenagaiton i was given XXXX hours to make a decision this is what they sent me i can not get a hold of original loan company i did not take out this loan but cant aford to have days out of work PAM, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX/XXXX/2015 Original Creditor : XXXX Original Account Number : XXXX Account ID : XXXX Balance Due : {$650.00} ( Due Immediately ) Dear : This is your final notice concerning your account with XXXX. We have made several attempts to contact you for payment of your account. This notice is to advise you that failure to pay this account within receipt of this notice will result in further collection efforts. 

Please call our office at XXXX XXXX XXXX XXXX concerning this account to avoid further collection efforts. 

This letter is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose. 






Sincerely, PAM, LLC
Product: Checking or savings account

Over 20 years ago, a brokerage account was opened with XXXX and securities were purchased. The account has been active, but no trades have occurred over the years. Statements were mailed out each month and in XXXX we realized that trades were made and funds were depleted from the account and transferred out. These transactions occurred in the XXXX timeframe. XXXX was contacted and an investigation was opened, but they claim that funds were transferred to an account at RobinHood ( another financial institution ) in my name. I do not have an account with RobinHood and didn't make any transactions in my XXXX account. I have been very cooperative with XXXX and they just keep telling me that they do not suspect fraud on the account as RobinHood is telling them that funds were transferred to an account in my name. Over all the phone conversations, XXXX doesn't document anything in writing to me. At one point they said " Oh, they knew the right amount to transfer as this falls below the threshold of where this gets flagged. '' I don't even have online access to the account and have never logged into my account and made any transactions. I would like the funds replenished in my XXXX account as they have Fraud protection and clearly state that they will honor any fraud activity. I didn't log into the account, didn't sell any securities and most certainly didn't transfer funds to RobinHood. I do not have an account with RobinHood. How can XXXX perform a thorough investigation and determine that there is no fraud when there clearly is fraud?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate reporting on my credit report. According to the information provided by XXXX, XXXX and Equifax, there is a late payment listed on my account for XXXX XXXX I would like to emphasize that I have never been late on this account, and I hereby request that you provide proof of this alleged late payment. 

I believe it is essential to address this issue promptly, as an inaccurate late payment notation can have a significant negative impact on my creditworthiness and financial standing. Therefore, I kindly request that you provide documented evidence of the alleged late payment, such as transaction records, to support your reporting. 

If you are unable to produce verifiable proof of the late payment in question, I insist that you take immediate action to delete this erroneous information from my credit report. As a consumer, I have the right to accurate and fair reporting, and any false or misleading information should be rectified in a timely manner. 

I trust that the Consumer Financial Protection Bureau will handle this matter with the utmost professionalism and diligence. I am confident that you will conduct a thorough investigation into my complaint and take the necessary steps to rectify the inaccurate reporting. 

I appreciate your attention to this matter and your prompt resolution of the issue. I look forward to receiving your response within the timeframe stipulated by law.
Product: Debt collection

I believe that XXXX XXXX is erroneously reporting the amount of debt on my credit report and have added fees/ charges they are not entitled to receive, resulting in a higher balance for me. The account has been forwarded to a collection agency ( XXXX XXXX XXXX ) so is negatively impacting my credit. I've tried to pay a fair amount to settle the account ( {$600.00} ) but they won't accept it. I've called the collection agency multiple times and XXXX tells me they can't adjust the amount. I'm willing to settle for {$600.00} but I don't feel it's right to have to pay the extra charges they chose to add on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted an online dispute with TransUnion on an account that has been paid in full. However, TransUnion states that the account has been verified at {$470.00} ( XXXX XXXX ). If the account was actually verified, it would show that it was paid off. I also have attempted to do a reinvestigation multiple times with supporting documentation but their web site freezes up and won't allow me to access the web page to do so.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandated a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumers Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.