23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I contacted the Navient in XXXX to renew my payment reduction plan, I was told it lasted for 6 months. At this time, the representative advised me that this would be my last opportunity for payment assistance because my payment with the assistance is too close to the normal payment. And when it gets within {$50.00} of the normal payment, I will no longer qualify for assistance. The payment reduction plan payments have gradually increased, I asked if it was based on income and was told that income is not a factor in determining if someone qualifies for assistance. It seems this program is designed to force people into paying the maximum amount regardless of hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was given a request to close XXXX/XXXX account and XXXX XXXX/XXXX  account and 30 business days later the accounts remain open, XXXX XXXX do not have the right to hold an account open and I do not need the creditor to tell XXXX XXXX to close an account in order for it to be closed, that's against my consumer rights, and I want the right to close those account today.now
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX ( Finance ) XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed In accordance with the Fair Credit Reporting act XXXX  Account # 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 15 U.S.C 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
Product: Checking or savings account

On Saturday, XX/XX/2019 I had noticed an unauthorized charge in my checking account for {$900.00}. I immediately froze my debit card and went to the credit union to dispute it as fraud and be issued a new debit card. I was told I had to wait to file a " Fraud Claim '' til the amount posts to my account, " not pending ''. It cleared this morning XX/XX/2019, so I called and filed the claim. About 4 hours later I get an email saying " No error had occur ''. So now I'm going to have the funds they just placed back, taken out again for something I did not authorize to begin with. My debit card was not in my possession at the time this fraud occurred, so why am I being told otherwise? 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN : MY NAME IS XXXX XXXX, IM HAVING A PROBLEM WITH XXXX XXXX XXXX, BACK IN XXXX THE LOAN I HAD WITH THEM WAS PAYED OFF WITH XXXX XXXXXXXX XXXX XXXX, XXXX SAID I OWE THEM XXXX AND THEY PUT THAT ON MY CREDIT REPORTS, XXXX, XXXX, AND XXXX. I CALLED THE CREDIT UNION AND THEY SAID IT WAS PAYED OFF TOO THE COMPLETLY. IM VERY UPSET ABOUT THIS, THIS HAS REALLY MESSED UP MY CREDIT. I WOULD LIKE THE TO BE REMOVED FROM MY CREDIT FILES RIGHT AWAY.
Product: Credit reporting or other personal consumer reports

I was completely shocked when I saw inaccurate accounts on my credit report this morning, with no clue why they appeared. I check my report regularly, but this time, there were sudden discrepancies. I even refreshed my browser, hoping it was a glitch, but nothing changed. The errors stayed, and now Im asking for my documents to be thoroughly reviewed so I dont have to deal with this stress ever again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This car loan doesn't belong to me the subject : XXXX XXXX XXXX ( without prejudice )
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX FRES Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX CO Date of inquiry : XX/XX/XXXX Delete this account. 

8. The following personal information is incorrect Account Number : Address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX 8. The following personal information is incorrect Account Number : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my dispute letter on XX/XX/2023, requesting the consumer reporting agency to " investigate every piece of information '' on the accounts I have listed below. I have attached my previous communications for the accounts listed below. 

According to the FRCA The term " INVESTIGATIVE CONSUMER REPORT '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
Your company continues to state that the accounts mentioned were verified, but how is that possible if they did not properly investigate according to the law? Please note that all the information on these accounts is still not reporting 100 % Accurate. ACCORDING TO THE FRCA 15 USC 1681, EVERYTHING HAS TO BE 100 % ACCURATE. 

Lastly, I have attached a copy of my recent consumer report that highlights the specific inaccuracies, which are violations of 15 USC 1681. EVERYTHING CIRCLED IN BLACK IS A VIOLATION. 
Accounts- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

My PayPal debit card was skimmed or hacked when I used a XXXX ATM on XX/XX/2016 and on XX/XX/2016 XXXX transactions were made a minute apart withdrawing {$300.00} and {$100.00} from my PayPal account. I discovered the fraud on XX/XX/2016 informing PayPal immediately. I filed a claim with PayPal and file a police report. PayPal has subsequently denied the claim stating that my PIN number was used in the XXXX transactions and citing other irrelevant information stating that because I checked my balance prior to the reported fraud and that because I had used that ATM one time before that they would be denying the claim. They did n't even wait to obtain the police report or try to contact XXXX to see if there were other similar claims at that location. I called XXXX to report the claim and they refused to accept the claim because they said I did n't have an account with them. They suggested I file a claim with XXXX which is the bank listed on the back of my PayPal debit card. I called The XXXX and they refused to file a claim and said they would side with PayPal anyway. I just do n't know what else to do?
Product: Payday loan, title loan, or personal loan

Uplift.com financed a trip I took with XXXX XXXX XXXX in XX/XX/2022. 
I had issues onboard and tried to get XXXX to refund my cruise due to my issue. 
Notified Uplift about the issue -- nothing done See attached for more info
Product: Mortgage

Prior complaint # XXXX. Contacted you twice already and SLS wanted 60 days to fix this problem. Everything 's on computer so why 60 days. They gave a fax number. I faxed my bank statement reflecting the XX/XX/2019 payment they did not record and lost and then reported us late from then on wrecking our credit. They said they wanted the entire statement not just the page, so I faxed that and then even though I have confirmation, they say they did not receive it. THEY NEED TO BE PUT OUT OF BUSINESS! I am current. I have confirmation of payments for XXXX and XX/XX/2019. When I tried to pay the last one online it would only allow a double payment so I usps priority it. My husband is a veteran and we are senior citizens. Today, XXXX eve, we received a letter saying we are in default, owe XXXX, and ready for foreclosure. WHAT ARE THEY DOING WITH OUR MONEY? CAN YOU PLEASE, PLEASE HELP! I am sick from this. Thank you. Attaching both letters and both statements received today.
Product: Credit reporting or other personal consumer reports

You are in violation for reporting unauthorized collection accounts on my credit report. Collection agency didnt send me anything to verify this account. Please see the attached FTC report and remove the following accounts from my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

This company says that I owe them {$81.00}. I have never owed a company such amount ar have I had any contract with such company. In fact I do not know what this is and I request some detailed explaniation. 
Thanks in advance
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Debt collection

I changed insurance companies to take effect on XX/XX/2021 which included a bundle option for my rent insurance. The agent ( XXXX XXXX ) said I was fully paid for until XX/XX/XXXX and I do not owe any money when I purchase my new vehicle and my new policy. I bought the plan weeks in advance and planned on just keeping my current policy instead of asking for a refund from XXXX insurance as I transitioned to XXXX. The policies I bought were a minimum of XXXX  days prior and the emails about canceling my policy was to cancel the ( snapshot ) option and to add a different rental policy. I still have all to now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, i have the rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because according to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 

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: Mortgage

XXXX XXXX XXXX XXXXandXXXX XXXX, XXXX bac XXXXALL the parties above, Have all committed Fraud and not allowed me to apply for short sale by home and given me the correct " notice of service '' to foreclose my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXXALL the parties above, Have all committed Fraud by not giving to me the correct " notice '' that XXXX XXXX is not the mortgage servicing agent to pay the monthly payment for my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXX the parties above, Have all committed Fraud by their refusal to permit me to apply for HARP to lower my home loan payment to avoid the fore-closer of my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXX XXXX XXXX officeXXXX cellXXXX XXXX XXXX officeXXXX cell
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXXXXXX  XXXX Account Number : XXXX This is not mine.
Product: Credit card or prepaid card

This is an update to CFPB complaint # XXXX previously submitted on this matter. 

I am an XXXX  person currently staying in XXXX XXXX XXXX to receive medical treatment for several ongoing health conditions. Since my arrival in XXXX last year I have relied on my Capital One Venture Visa Card # XXXX XXXX XXXX XXXX to pay for my medical treatment and other expenses. This card expired on XX/XX/2023. Due to the upcoming card expiration, on XX/XX/2023 I requested that Capital One send me a replacement Venture Visa Card in XXXX. On XX/XX/2023 I received an email from Capital One stating that " a shiny new card is on the way '' and " should arrive by XX/XX/2023 '' ( see attached email ). Capital One further confirmed to me by phone that the replacement card was sent to me by XXXX XXXX. 

As of today XX/XX/2023 the replacement card has not been received. I have made multiple trips to the local XXXX office to inquire about this card. Each trip requires a lengthy transit time followed by standing outside in line under hot sun for an extended period. This is extremely difficult for me due to my ill health. XXXX has stated that no information can be provided about the card without a tracking number for the shipment. Despite multiple requests Capital One has refused to provide a tracking number for the card shipment. Capital One has also refused to respond to the pending CFPB complaint on this matter. 

At this point due to the actions and negligence of Capital One I have no active credit card and therefore am unable to pay my medical and other expenses in XXXX. As a result I am suffering from extreme inconvenience, hardship and emotional distress. 

Thank you very much for your prompt attention to this matter. 

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

XX/XX/XXXX my account was accidentally closed out with credit karma and now my money in limbo. Instead of them putting my money in a my spend account they tried to send it out into a bank account thats no longer opened and I canceled that withdraw now my money is gone.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I requested deletions from each bureau, with no avail or remedy. 

I am writing to formally notify you that I have been a victim of identity theft, related to the widely publicized XXXX data breach. 

As such, I request your immediate assistance in addressing fraudulent activity associated with my credit report. 

Pursuant to 15 U.S.C. 1681c-2 ( a ), I request that you delete all inquiries, and any other fraudulent information resulting from this identity theft from my credit file. This includes, but is not limited to, the following accounts : Inquiries : 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 XXXXXX/XX/XXXX US DEPARTMENT OF EDU XXXX To facilitate your investigation and processing of my request, I am providing the following documents : 1. A copy of a government-issued photo ID ( e.g., drivers license or passport ).

2. Proof of my current address ( e.g., utility bill or bank statement ).

3. A copy of the Federal Trade Commissions Identity Theft Report 4. Notarized verification of my identity and address.

As required by the Fair Credit Reporting Act, you are obligated to
respond to this request within four business days of receiving all necessary documentation. I expect confirmation that the requested blocks and deletions have been completed and that my credit report has been corrected. 

Please send all correspondence regarding this matter to my address listed above or via email XXXX. 
Should you require additional information or clarification, do not hesitate to contact me directly. 

Thank you for your prompt attention to this urgent matter. I trust that you will act swiftly to protect my rights under federal law.
Product: Debt collection

I have Attached some documents and a letter. showing that global client services took my money and saying that they used it for some other reason im not aware of, that I did Not authorize. They where supposed to pay off my debt and they didnt pay any of my debt.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act. Cash App failed to take timely and effective mesures to prevent fraud on their platform, This has left my accounts and finances vulnerable and unprotected. Their dispute resolution process is deceptive and unfair as they did not comply with the error resolution requirements under the Electronic Fund Transfer Act and Regulation E. This has caused signifigant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FRA ), credit reporting agencies like XXXX must ensure the accuracy of the information they provide. In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX  ), the court ruled that credit bureaus have an independent duty to investigate disputes from consumers and can not simply rely on information from creditors. 

All information that you try to verify please provide proof that you conducted a throughly investigation and provide who looked over the file, who you called to get the information, what reports, what dates, receipts, contracts to show that the reporting was 100 % accurate and fully verifiable. 

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

I pulled my credit report and requested Experian to remove all inaccuracies from my credit report and they took off my address XXXX XXXXXXXX XXXX XXXXXXXX PA XXXX. I have written them on 3 occasions to correct this matter and they have done nothing. This has become an hardship I have been denied credit because you can't pull up my Experian credit report because there is no address attached. Can someone please help me rectify this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

ICE WEOTE THIS COMPANY SEVERAL TIMES ASKING THEM TO LOOK INTO THES WRONG CHARGES THAT ARE NOT ACCURATE, I UNDERSTAND THAT EXPERIAN XXXX AND XXXX ASSUMED A VITAL RILE IN CREDIT REPORTING AND ARE NOT ADVOCATING FOR THE CONSUMERS, IT HAS BEEN SEVERAL KINTHS AND IVE YET TO HEAR A RESOLUTION I ASK YOU FOR YOUR HELP AND PRAY YOU DELIVER THANK YOU
Product: Debt collection

FEDLOANS are illegally reporting negative payment history to the three nationally recognized consumer reporting agencies XXXX, XXXX, and XXXX. By doing so my consumer rights are being violated and pursuant 15 USC 1681a ( 2 ) ( A ) ( i ) and 15 USC 1681a ( e ). The late payments were never supposed to be reported. Pursuant 15 USC 1681b ( 2 ) I do not give consent.
Product: Checking or savings account

XX/XX/2023 I was the victim of a phishing scam. I thought I was buying gift cards for the CEO of the company I work for. I regularly work directly with him. 

XX/XX/2023 I realized I had been scammed for the {$1400.00} worth of gift cards and I reported it to USAA. My account was temporarily credited back the {$1400.00}. I provided screenshots and texts to support my report. 

In XXXX USAA debited the funds from my account with an explanation that I hadn't provided more information by the deadline given me. However, I hadn't seen the request with deadline. Once customer service explained, I immediately uploaded the requested information. 

Since then I've been on the phone numerous times with customer support and have received varying answers about the status of my dispute including completely contradictory and inapplicable ones. I've uploaded more information after I escalated my dispute, which the rep assured me would resolve it and result in my money being re-credited. All to no avail. 

XX/XX/XXXX I received a letter from USAA that purported to explain the dispute resolution but literally says nothing of the sort. 

I've been a USAA member for 48 years and am about to switch to another bank over this. 

I've attached documentation. 

Thank you for your help.