23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I refinanced my home in order to pay Navient my 2 student loans ( Account # XXXX ). Wire was sent from XXXX XXXX XXXX XXXX after receiving instructions from one of their customer service representatives with the wire instructions to payoff my loan. The payment was sent on XXXX the XXXX, 2017. I called the following week because my loan still showed the full balance and they told me to call another day to see if it would post. I called the following day and they wanted me to call a week from then. I told them it was a wired and it should have cleared the account the prior week because the money was in the account they give me to payoff the loan. They told me they would investigate and for me to call the following week. I call this week and they told me the request was done wrong and that I would have to wait another week for the new request to be processed. All of this while my account is still accruing interest. When I expressed my concerned about the interest being accumulated they said sorry but there was nothing they could do about it. I have the documentation showing the wire was sent out to them on XX/XX/XXXX, but they are not helping me and all they say is sorry and to keep waiting. They did not refund the almost 42,000 back to the title company, they still have it in their account and they still have my student loans open. At this point I do not know what to longer do.
Product: Checking or savings account

Since the fusion betweent Investors bank and Citizens bank im waiting to receive the new citizens bank debit card, trough the app is impossible to request a new card, and also is impossible to reach someone by chat, secure message or email.
Product: Debt collection

Midwest Recovery Systems I have never received correspondence from them about a debt owed prior to this going on my credit. This is the second time I am filing a complaint to the CFPB on them. Last time it was in XX/XX/XXXX for the same mess. This appeared on my credit report on Thursday, XX/XX/XXXX for {$800.00} out of the blue and then on Friday, XX/XX/XXXX @ XXXX XXXX  I received a call from Midwest Recovery from a XXXX, Florida number which makes no sense. This is ridiculous. It amazes me they call the week this was added to my credit report with no previous documentation stating I owe this debt, which I do not. This company continues to do this to several citizens by popping up out of the blue on their credit report and attempting to strong arm people by sending a debt automatically to all three credit agencies with no correspondence or calls. I am highly XXXX off and plan to go to local authorities as they are playing with my livelihood and my credit and appear to be scammers. I am sick of it. Something has to be done with MRS .
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning in XX/XX/XXXX I disputed a tradeline furnished by XXXX Mortgage with Equifax. I disputed it three times with Equifax - I never did any business with XXXX Mortgage and communicated that to Equifax. 

Instead Equifax reported to me that the information had been verified. On XX/XX/XXXX Equifax told me that paid as agreed accounts will automatically be deleted 10 years from the date of last activity. The information I was disputing had a date of last activity of XX/XX/XXXX and the status showed as paid as agreed. 

On XX/XX/XXXX I received a XXXX Credit Report form Equifax and the disputed information is still being reported with a DLA of XX/XX/XXXX and a status of paid as agreed. 

Equifax continues to provide consumer reports about me containing this inaccurate, incomplete, and unverifiable information when it should have been deleted no later than XX/XX/XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. I ask that the items be deleted to correct my credit report. Please delete the items as soon as possible. 

REASONS : I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Please remove any and all unauthorized inquiries from my reports as I have no knowledge of ever filing any of these inquiries or giving anyone, company, or corporation permission to report anything to my report or was privy to any of these filings your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

Fraudulent/Negative Accounts : Account Number : XXXX Account Opened : XX/XX/XXXX Balance : {$460.00} Account Number : XXXX Account Opened : XX/XX/XXXX Balance : {$800.00} Fraudulent Collection Accounts : Account Number : XXXX Collection Opened : XX/XX/XXXX Balance : {$1300.00} **UNAUTHORIZED INQUIRIES CONTINUED TO NEXT PAGE ** Unauthorized Inquiries : Inquiry name XXXX XXXX XXXX XXXX  Inquiry date XXXX XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX. It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within the 30 day period constitutes reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.
Product: Credit reporting

Account # XXXX creditor-XXXX, is not reporting correct information. 
This account is NOT in Forbearance I have requested to have forbearance removed since XXXX XXXX, 2015 and I resumed making payments starting XXXX XXXX, 2015. A payment of XXXX was drafted out of my banking account on XXXX XXXX, 2015 from XXXX so how can this account be in forbearance? According to last credit report which was obtained on XXXX XXXX, 2015 it still shows last date reported on XXXX XXXX, 2015 by XXXX under Comments section ; account in forbearance this is Not accurate credit reporting. I am asking for the fifth time to have this comment removed. This is Not fair credit reporting.
Product: Debt collection

J. P. Morgan Chase Bank failed to file a Creditor 's Claim with my late husbands Estate and collected {$1.00} XXXX on an {$870000.00} deceased 's debt. The Estate was probated in XXXX XXXX Superior Court as Probate Case Number XXXX in or about XXXX. Then, on or about XX/XX/XXXX, J. P. Morgan Chase Bank evicted yours truly, the deceased borrowers widow, from the home where Id lived 27 years, making me homeless. On XX/XX/XXXX, Chase collected {>= $1,000,000} XXXX XXXX million-eight XXXX XXXX dollars XXXX when they sold my home for more than double the original loan amount to pay off my late husband 's XXXX refinanced predatory loan amount of {$870000.00} XXXX XXXX Hundred-seventy XXXX XXXX dollars XXXX. Chase Bank knew or should have known that they were required to file a Creditor 's Claim with the Estate. They knew the Borrower was deceased. Shortly after my husband 's death, J. P. Morgan Chase filed a Lawsuit against the Estate, and dismissed the lawsuit voluntarily, soon after its filing. Therefore, Chase was fully aware that a legal debt was no longer owed to them with the demise of my late husband, the sole Borrower, particularly when no Creditors Claim had been submitted and approved.
Product: Credit reporting or other personal consumer reports

I sent off letters certified mail regarding compliance XX/XX/XXXX. I have yet to receive any notice.
Product: Credit card or prepaid card

I am writing to ask you to institute litigation against US Bank to force them to stop engaging in a deceptive practice, which enriches them and defrauds numerous consumers.

US Bank CSRs ( Customer Service Representatives ) are trained to tell customers that they can buy gift cards using the XXXX Altitude card, without fear of having their accounts shut down or other adverse actions. 
In fact, this advice is not true. 
US Bank shut down my account for that reason, and, according to media reports, their officials freely admit that it is their policy to shut down accounts fo this reason. 
By training CSRs to tell consumers that there is no problem, US Bank acquires more market share, by closing the accounts, they avoid making large payments on gift card purchases at XXXX XXXX stores using XXXX XXXX  and other similar wallets. 
Such payments get XXXX  % back, redeemable for travel at XXXX XXXX %. 
I understand large companies move slowly, so I have given US Bank several years to correct this fraudulent practice. 
However, they have not. 
The following are tape recorded conversations where US Bank trained CSRs told me that there is no risk at all of an account shutdown for buying very large amounts of gift cards : XX/XX/XXXX XXXX XXXX XXXX  XXXX call center ( sp? ) " altitude cards will absolutely not be closed due to buying gift cards '' XXXX XXXX XXXX XXXX de XXXX XXXX if you buy several thousand in Gift Cards, your XXXX  Altitude will absolutely not be closed '' XX/XX/XXXX XXXX XXXX XXXX absolutelyutely sure Altitude card will not be closed for buying large amounts of gift cards '' There are several others which I did not take notes on, but where the message was the same.

But, don't take my word for it, call any CSR and see if they tell you the same thing.

I reported this problem to several US Bank representatives one several years.

No corrective action was taken, which is ironic for a bank whose ads prominently feature them being named one of the world 's most ethical banks.

One of the representatives I reported this to was XXXX, at XXXX XXXX XXXX XXXX. 
I believe a fair resolution of this would be for US Bank to offer to reopen all XXXX  cards cards closed for buying large amounts ts of gift cards, and to document to the CFPB that they have instituted a training program to avoid their CSRs misinforming consumers in the future.

The issue is not whether US Bank has a right to close any card for any reason ( which they do ), the issue is whether they are4 allowed by the CFPB to profit from training employees to give an attractive but untrue message to consumers.

I am going to hold off on contacting a lawyer to pursue a class action, until I see if the CFPB chooses to allow US Bank to continue with this deceptive practice.

Please feel free to contact me for further information, including the specifics of my closed account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am a single father trying to purchase a home for my family, I was denied because of negative items on my credit. I was able to see my credit and there is an fraudulent item that on my credit that i did not authorize.
Product: Credit reporting or other personal consumer reports

I did not authorized nor consent XXXX XXXX XXXXXXXX XXXX this is not my account! I am aware of my consumer laws as you are able to see based on the documents attached. XXXX This company is reporting late payment after the account was closed! This is a violation and needs to remove late payment history. I demand all accounts and that are negatively affecting my credit and violating my rights be removed and updated from my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

I need assistance in requiring the credit reporting agencies XXXX, XXXX, and Equifax to stop ignoring my oral and written instructions to correct errors on my consumer report. I have mailed 3 notices by mail with instructions and called twice on XX/XX/2022 and XX/XX/2022. I should have a lock on all XXXX reports and yet there are over 25 hard inquires for XX/XX/2022. There are accounts listed that are not mine and I require the CRAs to remove them. There are addresses not personal to me that I require the CRAs to remove. There are many unauthorized hard inquiries not once authorized that I require to be removed. Under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer I require the information listed in the section below be corrected, updated, and deleted permanently. I have not given my written consent allowing them to provide or furnish any of the information in question. But I have given them oral and written instructions to correct the invalid information and accounts. They are not following my instructions and this is a violation towards me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report and found a few errors. I need all these addresses removed from my file/report they are not mines. Please send me a copy of my o

f my Risk View Disclosure report for my own review. My name is XXXX XXXX XXXX my current Em
ployer is XXXX XXXX XXXX my current address is : XXXX XXXX XXXX XXXX XXXX XXXX Please delete the following addresses : 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: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. 

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 

XXXX U.S. CXXXX  XXXX - Civil Liability for Willful Noncompliance, XXXX U.S. CXXXX XXXX  - Civil Liability for Negligent Noncompliance, and XXXX U.S. CXXXX XXXXXXXX - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA XXXX U.S.C. XXXX ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of XXXX U.S.C. XXXX ( d ) ( 1 ). 

Accounts listed below in green color highlighted and tag as in violation under XXXX U.S. CXXXX XXXX ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error in the creditors accounting on a statement. 

This is a clear violation of the United States Code Law ( TILA, XXXX U.S. CXXXX XXXX ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( XXXX U.S.C. XXXX ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under XXXX U.S. CXXXX XXXXXXXX Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law XXXX U.S.C. XXXX ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Delete this account. 


5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 


6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX  Account Number : XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE XXXX XXXX XXXX Account Number : XXXX Delete this account. 


10. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


11. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

Hi, I took an unsecured high interest rate loan from USAA on XX/XX/year> in the amount of {$50000.00} at 17.74 % interest rate to consolidate credit debt. 

The loan agreement stated a biweekly payment of {$520.00} over 155 months ( starting XX/XX/year> ) ; plus, one final payment of {$530.00} due on XXXX/XXXX/2030. 

However, undisclosed to me, USAA deceptively applies 100 % of my biweekly payment of {$520.00} to interest only and {$0.00} to principal. I requested an amortization table and USAA refuses to provide an amortization table. USAA also makes it impossible to make principal payments. I can only make individual principal payments at a time by manually logging online and scheduling the payment. 

USAA has been taking 100 % of my payments and applying it to interest UPFRONT with zero to principal. 

This was never disclosed in the consumer loan application or agreement that USAA will apply 100 % of payment in interest only on the loan. 

They also refused to give me an amortization table. This organization is deceptively dishonest. Please contact me to discuss. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my SLOAN/NELNET - XXXX, SLOAN/NELNET - XXXX, SLOAN/NELNET - XXXX, SLOAN/NELNET - XXXX, SLOAN/NELNET - XXXX, SLOAN/NELNET - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Product: Money transfer, virtual currency, or money service

Long story short, while on vacation in XXXX XXXX, LA, I was robbed on the early morning of New Years Day of my phone and wallet. Before I could cancel all my credit and debit card accounts ( since I got locked out of everything immediately ), the thieves stole around {$14000.00} via ATM withdrawals, XXXX shopping sprees, XXXX transfers , etc. After promptly going to the police and notifying all my banks within hours of the theft, I have only received about half of the money stolen back. XXXX and XXXX XXXX reimbursed me right away with fraud insurance. However, there is still roughly {$7400.00} remaining of unauthorized transactions with Bank of America checking account ( and via XXXX on the B of A mobile app ) that has not been returned to me even though I never authorized any of those transactions whatsoever and did everything I could to notify B of A as soon as possible. I filed a fraud/theft claim with B of A on XX/XX/24 and they rejected it on XX/XX/24 ( after little to no investigation/interaction with me whatsoever ) stating " We're unable to approve your recent claim [ because ] .... the charge was authorized by you or made by someone who has permission to use the card or account '' which is an utter and complete lie. I filed an appeal trying to make it crystal clear I did not permit any of the stated transactions on XX/XX/24 ( with a turn around time of approximately XXXX business days. ) Fortunately, on XX/XX/24 XXXX of my 3 claims was credited back to me ( on XX/XX/24 I was owed {$9800.00}, now it's down to about {$7400.00}. There are still 2 ongoing claims with 2 different departments all within B of A ) but I wanted to get a CFPB claim started now based primarily on the large amount of money involved and how little due diligence was performed by the B of A Fraud Division prior to my appeal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 Capital One Bank falsely reported negative inaccurate account information to Credit Bureau agencies adversely affect my credit score.