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

In light of my new understanding of consumer laws, I've discovered that the credit bureau 's are in violation of the law when it comes to my consumer report. They are in violation of the following US Codes : 15 U.S. Code 1681 ( 2 ) ( i ) : report containing information solely as to transactions or experiences between the consumer and the person making the report 15 U.S. Code 1681 ( 2 ) ( iii ) : communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; 15 U.S. Code 1666 ( b ) ( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( I've requested on multiple occasions for documentary evidence ) 15 U.S. Code 6802 ( b ) ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
( I was never given the option to Opt-Out )
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from XXXX XXXX today that I had a hard inquiry on my XXXX and Equifax from XXXX XXXX XXXX! I have not applied for any credit from XXXX XXXX  XXXX at all and this just happened today! XX/XX/2022. Please help me! I am a senior and I have fairly good credit! This hard inquiry was not initiated by me and I dont need my credit rating to be destroyed by this act.
Product: Mortgage

ASC, the servicer arm of wells fargo, denied a loan modification without notice. Moreover, its reasoning - that we did not comply with a fall XXXX requests for documents - is incorrect. We provided responses to their most recent request in a timely fashion on XXXX XXXX, XXXX. ASC never advised us that the response was inadequate even though it acknowledged receiving the documents. However, when we spoke with ASC in early XXXX XXXX to follow up on XXXX XXXX submissions, ASC said the application was denied because we did not respond. More specifically, in our XXXX XXXX submission we answered the request for a lease from the tenants as follows. We provided an explanation that our client 's tenants do not have a lease. Further, we reported that the borrower/homeowner did not want to ask the tenants to sign XXXX because she is fearful they may ask why and she does not want them to know she is in foreclosure and perhaps trigger non-payment of rent by the tenants. ) Moreover, the borrower/homeowner provided bank statement showing the deposit of the rent as well as a schedule XXXX on her XXXX tax returns showing the rental income. The later is an appropriate way to document rental income under the HAMP Guidelines. Finally, ASC asked for a profit and loss involving a contributor who lives in the household. We pointed out in our XXXX XXXX submission that the contributor is a XXXX earner with no outside business or earnings. 
As stated, we never got a denial letter form ASC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XXXX XXXX XXXX, Equifax reported a NEW OPENED account from XXXX XXXX. 

On XX/XX/2022, I called XXXX XXXX ( creditor ) to inquire on this because No new account has been opened on my behalf. XXXX XXXX staff stated that Equifax notified them of the Error on their behalf ( Equifax ) and will reach out to the consumers that were impacted to correct this error. 

I filed a dispute with Equifax on today XX/XX/2022 in regards to this matter. A manager at Equifax informed me that it will take Equifax 30 days to complete the investigation. I explained to him that it should not take Equifax 30 days because this is completely Equifax mistake.
Product: Bank account or service

I withdrew {$400.00} from a bank branded atm XX/XX/2017. I was only given {$80.00}. I have contacted the bank multiple times to receive a credit back into my account. I have been told multiple dates and was last told the credit was n't due to my account till XX/XX/2017. It is now past that date and I still have not received my credit. I was guaranteed on or before XX/XX/2017 by a senior claims specialist.
Product: Credit reporting or other personal consumer reports

XXXX account The late payment being reported are in violation of 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1666b - Timing of payments The timing of required information is from this company is not received within 21 days.

Per Experian credit bureau By definition an open end consumer credit plan is XX/XX/2022 Open-end credit is revolving credit that allows you to continually access money as you make payments and only pay interest on what you use.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed Equifax that these accounts are not mine but they refused to delete them. These were opened without my knowledge or permission. These are fraud accounts that are listed for DEPT OF EDXXXX XXXX XXXX Bank Delaware. There has also been unauthorized inquires that I did not give permission to have my information given to from XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Bank, XXXX - XXXX XXXX. I have called the companies they tell me to contact the bureaus, I contact the bureaus and they do absolutely nothing. Please delete & block this information from returning because this is such a headache attempting to get this information corrected. Thank you
Product: Debt collection

TRANSWORLD SYSTEM INC/ Acct # XXXX I am writing to formally request validation of the debt referenced in your recent communication. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am entitled to request and receive proof of the debt you claim I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXXXXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$2900.00} ), XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$10000.00} ), XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$10000.00} ), XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$9800.00} ), XXXX  XXXX Bankruptcy ( Date Filed/Reported XX/XX/XXXX, Reference # XXXX ), XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$50000.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$14000.00} ), XXXX XXXXXXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$8900.00} ), XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$65000.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had erroneous reports on an account that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for this account : XXXX XXXX XXXX Balance : {$8200.00}
Product: Checking or savings account

Account with Navy Federal from XX/XX/XXXX to XX/XX/XXXX and additional fees were added to my account while it was closed
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report 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

XXXX continues to contact through other mediums after receiving my cease and desist. 
I have also requested now three times for an audit trail and all documentary evidence for account XXXX.
Product: Checking or savings account

On XX/XX/year> at XXXX XXXX  someone withdrew {$1000.00} from the Chase Bank ATM at XXXX XXXX XXXX, XXXX California XXXX. This was a pin based transaction. I live in XXXX XXXX California XXXX miles away, XXXX hours away depending on traffic. I was in XXXX XXXX Ca ( XXXX miles away ) at a clients house from work until XXXXXXXX XXXX. I also made a transaction in XXXX XXXX that evening, sent messages of a sunset as proof I was no where near XXXX CA. Despite this evidence JPMorgan Bank refuses to dispute the claim and refund me my {$1000.00}. I have also filed a police report with the XXXX XXXX Police Department claim number XXXX. The files I attached show a photo I took on my way to XXXX XXXX, conversation with my client planning the appointment, bank information showing the whirl as well as the transaction I made in XXXX XXXX, as well as a call I made immediately after I finished my appointment with my client. It
Product: Student loan

I am not sure who my student loan servicer is. I have not recieved a statement or email. My old servicer was great lakes.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Regional Acceptance XX/XX/XXXX LightStream XX/XX/XXXX Regional Acceptance XX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX, a bank-to-bank payment I scheduled through WellsFargo.com was processed incorrectly, causing my other bank to flag it is fraudulent. I contacted my other bank immediately, approving the charge, but as it had been blocked Wells Fargo suspended this account for transfers on XX/XX/XXXX, refusing to let me rectify my checking account balance OR pay my associated Wells Fargo Credit card. I contacted Wells Fargo on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to have my Bank-to-bank payments reinstated for this account, but in all but one case I have received a canned response with a different name of a supposed " Wells Fargo Associate on it. '' The one time I did receive a personalized response, from XXXX XXXX, she still failed to actually read my message or make a relevant response, instead going of on a totally unrelated tangent. I have not been able to reach her since and none of the supposed " associated '' ( bots ) will respond to my followups.
Product: Student loan

My loan is with Sallie Mae. I have an ongoing, terrible situation with Sallie Mae private loan department. I have spoken to several different customer advocates who have been able to help some but the last one I spoke with les me astray and now Sallie Mae says I owe {$800.00} immediately which I do not have. 

I took a private loan in XXXX 2013 so I could finish XXXX school and my father in law cosigned. Ever since my loan has graduated from the grace period, Sallie Mae always calls and harrasses my cosigner and NEVER contacts me. I have to speak with the customer advocate who has helped with payments but never handles the issue of my cosigner receiving XXXX % of calls and mailings. I have yet to receive anything. 

I have used my forbearance time and am having trouble paying. My husband has been out of work and we have recently moved to take new jobs and our income has yet to catch up. My cosigner is in poor health and does not work. I spoke with a customer advocate who said I could sign up for an income based plan which would take my payments from {$210.00} to {$68.00} which is much more doable. And would erase my late fees once I made three payments. I spent over an hour on the phone with her going over my financials, as did my cosigner. She then called back the next day and said she had to forward to financial for approval and asked me to go over my financials again saying that because I had a monthly deficit that financial would not approve me and we should try to change some things. I was confused and worried because neither myself or my cosigner have available funds. She said she would call the next day. We also set up two years of payments at the {$68.00} amount. 

It took her four days and when she called back she was very curt and said financial said between me and my cosigner we made too much for the income based and the payment would stand at {$210.00} and we owed {$800.00} back payment. She could not extend the amount or help with any postponement of payments. She also never addressed the problem of the reps calling and threatening the cosigner. 

I am really at a loss now. I do not have {$800.00} to get caught up and neither does the cosigner. I can pay the {$68.00} if I can get the income based payments. When I signed on originally I was told the payment was {$25.00} a month while in school and payments would be calculated once I graduated. One month they took {$25.00} and the next {$210.00} without warning or notice ( I was on automatic payments then ). 

I want a company where I can call and get solutions. Not rude customer service agents or advocates who ask me to change financials and then do not get approved.
Product: Credit card

I applied for a credit card on-line last XX/XX/XXXX from American Express. I never received the card or any statement. In XX/XX/XXXX I received a statement requesting a fee for {$95.00}. I called and told them I never received the card and do not want the card now. They have refused to remove the fee since they say it was over 30 days since I applied for the card.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Public Record : XX/XX/XXXX XXXX U.S. XX/XX/XXXXXXXX - XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had USAA through XXXX XXXX in XXXX and XXXX, I became XXXX in XXXX when my father died. XXXX and XXXX XXXX have convicted a fraudulent scheme involving me and my son 's identity and defrauding several insurance companies, IRS, XXXX, XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Binance closed my account. They have not sent me my IRS XXXX forms as required by law before XX/XX/XXXX. I emailed the company and they did not respond.
Product: Checking or savings account

I filed Dispute XXXX on XX/XX/2023 after regaining access to my account with the assistance of Chime Support after being locked out and having all of my account information such as my email and password changed without my knowledge. On XX/XX/2023 I called to follow up since there was no resolution or feedback and instead of providing provisional credit they closed my account without my consent. After closing my account they approved {$140.00} but denied the remaining {$770.00} without explanation. I requested the documents used in the decision and have received nothing. How can you deny charges that are apart of the same dispute and that are disputed for the same reasons. If its partial fraud its all fraud. I want my money and my account back! Chime does not abide by Fed Regulation E.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX SERVICERS ON STUDENT LOAN THE 1ST DELINQUECY WAS XX/XX/2009 AND THE S.O.L. ON STUDENT LOANS IS 10 YEARS FROM 1ST LATE PAYMENT. ON XX/XX/XXXX I paid to delete {$2200.00}, original balance was XXXX. LASTPAYMENT MISSING AS WELL AS BALNCE SB XXXX, INVALID ACCOUNT.
Product: Credit reporting or other personal consumer reports

I have sent several dispute letters regarding the collection accounts being reported on my Equifax credit report yet they have not been removed. This complaint is in regards to 2 collection accounts being reported by Equifax from XXXX ( original creditor XXXX XXXX XXXX ) account number XXXX in the amount of {$680.00} and account number XXXX in the amount of {$980.00} These accounts were originally charged off by XXXX XXXX XXXX and then sold to XXXX in an attempt to collect a debt that has already be paid through a charge off. According to the IRS publication XXXX, if your debt has been cancelled or written off by the lender, you will not need to make any payments on the debt. However, you may be required to pay taxes on the cancelled debt amount reported on the 1099-c form. The IRS treats the cancelled debt as income, and you will need to report it on your taxes. You can not report income as a debt on a credit report. 

This is also a direct violation of my rights and privacy according to the Violation of Privacy Act of 1974. 

According to 15 usc 1681 consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy
Product: Credit card

I am XXXX military and in XXXX 2016 applied for amd received the Barclay 's Gold Card which had an incredibly generous offer for XXXX military, they went above the SCRA requirments. They offered 0 % interest and waived the {$990.00} annual fee. In XXXX we received word on Facebook that Barclays was going to stop the benefits for XXXX. My friend and I both called and we were assured on the phone that since we had opened our cards before XXXX 2016 that we would be grandfathered, and keep our benefits as long as we were on XXXX. 2 weeks ago I got a letter in the mail saying that they are changing the military benefits and that my account will be assessed the {$990.00} annual fee in XXXX. This puts service members and myself in a very hard spot because with little notice I have to pay off my entire balance and cancel the card or pay a XXXX fee that I was told I was exempt from. My balance is currently around XXXX, and I do not have enough in my savings to pay it off.
Product: Debt collection

This debt is invalid due to identity theft. The original account by XXXX XXXX was reported as fraud and blocked. 

It has been sold to JEFFERSON CAPITAL SYST and they are attempting to collect on a fraudulent debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a couple of hard inquiries that I have been trying to have removed. These inquiries are causing issues with me trying to attain new credit. I would like them removed please. I have called, emailed, and disputed as well as sending this. Please help me with this issue. 

XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit card

HelloI have been sued by Citibank for alleged credit card charges. I would like information regarding the US Consumer Financial Protection Bureau said " XXXX consumer bank has been ordered to pay {$700.00} XXXX in relief to borrowers for illegal credit card practices '' and any other action regarding Citibank consumer fraud.
Product: Prepaid card

Cash app closed my acct for a unknown reason so I was wanting to file on the lawsuit that cash app has going on. 
I believe I am entitled to this lawsuit.