23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have a complaint against Navy federal credit union about an auto loan that they paid out without me signing a promissory note or agreeing. They took money from my checking account without my permission and applied it to the loan. This caused me to go negative and they charged me an overdraft fee. I stayed on the phone for over an hour about the situation and when they saw I had a formal complaint filed ( XXXX SUBMITTED ON XX/XX/year> ) with you guys they refused to assist me any further. I contacted them again via message and refusal to assist. Now my account is negative and they are going to continue to take my money without my permission and apply to the loan which is in turn messing up my credit with other companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed some issues with my credit report. The following accounts listed below are supposed to be removed from my credit report because the allowable reporting time has passed. Please delete the account at once. 

XXXX XXXX XXXX : Account number : XXXX, The account is past the statute. 
XXXX XXXX XXXX : Account number : XXXX, The account is past the statute. 
XXXX XXXX : Account number : XXXX, The account is past the statute. 
XXXX  : Account number : XXXX, The account is past the statute. 
XXXX  XXXX : Account number : XXXX, The account is past the statute. 
XXXX XXXX XXXX  : Account number : XXXX, The account is past the statute. 

XXXX  days should be enough time for you to get this done. Please do not send a letter stating that the account has been verified. Im not asking for you to investigate, Im asking that you follow the law and delete the item as it can no longer be reported due to the XXXX  year rule. 

Please send me an updated and corrected credit report. Please do not send a partial report, send a full report.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following items to be an error : Under 15 USC 1666b, A creditor may not treat a payment on a credit card account under a 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 21days before the payment due date. I NEVER gave EXPERIAN Reporting Agency OR PENNSYLVANIA HIGHER EDUCATION ASSISTANCE ALSO KNOWN AS AES/PHEAA ( AES/ESA ) any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). EXPERIAN Credit Reporting Agency has caused severe stress and anxiety due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ 1k per violation, for unauthorized credit reporting listed without my expressed written consent.
Product: Debt collection

I am writing to dispute the inclusion of an account on my credit report and request its immediate removal. The account in question is XXXX XXXX, which was opened on XX/XX/13 and currently has a balance of {$0.00}. Despite my previous requests, your bureau has not provided any debt validation or verification steps for this account. I have not received any sufficient evidence supporting the legitimacy of this debt, causing me significant distress. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( XXXX ). I am the primary complainant in this matter, and I hereby XXXX full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit card

Please review the enclosed correspondence with Capital One regarding a plane ticket I purchased for {$710.00}. I was unable to use the return portion of the ticket to return home without any explaination why. I was given no alternative except to purchase a new ticket from XXXX XXXX for {$300.00} if I wanted to return home on the same scheduled flight as specified on my original ticket that I purchased for {$710.00}. Capital One claims to have done an investigation but posted the charge back on my account. Capital One refused to provide a reason verbally or in writing as to why the charge was refilled to my account. For this reason, I feel I was defrauded because I was not able to utilize the return portion of the original ticket. Furthermore, I consented to a re-review of the case dated XXXX/XXXX/2016 ( I spoke with XXXX, a Cap One supervisor ) however as in the past, there was n't any documentation in Capital One 's records that the re-review was performed. Capital One appears to have violated regulations regarding resolving the dispute within 1 month, and refusing to comply with my request for a written reason explaining the action taken -- re-posting the charge to my account as requiured by XXXX and Federal regulations. The Cap One dispute center never sent an affidavit for me to sign regarding my dis [ pute which makes me suspect that there was never an investigation or a re-rteview as I was promised by XXXX.
Product: Debt collection

Atlantic Recovery Services ( ARS ) is a debt collection service that is attempting to collect debt for an ex-husband ( XXXX XXXX ) whom i divorced 10 years ago. After repeated calls to me over the past six months and repeated discussions advising I have no legal connection to my former husband, I continue to receive harassing phone calls. I've been advised by several of the companies representatives, including management that i would be removed from a calling list. However, i continue to receive calls. I have even tried blocking the company 's number. They are circumventing the block. These calls are adding to my anxiety in these stressful and tumultuous times. I filing a complaint as a hopefully final recourse to stop the harassing phone calls for debt that I do not owe. 

XX/XX/XXXX Call from ARS. Called back and spoke to representative. 

XXXX Call from ARS. Called back and spoke to representative XX/XX/XXXX Call from ARS. Called back and spoke to representative XX/XX/XXXX Call from ARS. Called back and spoke to representative XXXXCall from ARS.  Called back and spoke to representative XX/XX/XXXX Call from ARS. Called back and spoke to representative XXXX Call from ARS. Called back and spoke to representative XX/XX/XXXX Call from ARS. Called back and spoke to representative XXXX Call from ARS XX/XX/XXXX Call from ARS XX/XX/XXXX Call from ARS. Called back and spoke to several representatives XX/XX/XXXX Call from ARS. Voice-mail left on my phone
Product: Debt collection

RENT RECOVERY SOLUTIONS OPENED A COLLECTION ACCOUNT ON XXXX-15 FOR {$320.00}. THIS IS REPORTING TO THE CREDIT BUREAUS. THE BALANCE IS {$0.00} BECAUSE MY SECURITY DEPOSIT COVERED THE AMOUNT STILL OWING UPON MOVE-OUT FROM XXXX XXXX APARTMENTS. THE INFORMATION BEING REPORTED IS THEREFORE INACCURATE AND SHOULD BE DELETED.
Product: Debt collection

I was under the impression that I was apart of a loan forgiveness program. Equitable Acceptance starting contacting me at the same time that I was in contact with XXXX. Acting as though the XXXX were affiliated. After speaking with customer service with XXXX and telling them about a referral fee that I was promised and never received and a {$49.00} monthly fee that I was responsible for, the customer service representative said there was no referral fee or a charge. I was told that under no circumstance that I should never be charged for these kinds of services. The total " Loan '' is for {$1300.00} with monthly payments of {$49.00} for three years. Now that I am aware of the XXXX not being affiliated with each other, I am now paying for something that is supposed to be a free service and if I do n't, it will be on my credit report. I 've tried contacting Equitable Acceptance only to be put on hold or told that they were going to connect me with a supervisor, who never came to the phone. How is personal information shared and what can be done to prevent this from happening to others?
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account with Experian Credit Bureau. This account is still being reported to my Experian Credit report. 

CFPB Report # XXXX
Product: Credit reporting or other personal consumer reports

Pursuant 18 U.S.C. 8 I dont own any debt this company is violating my consumer rights to privacy. 

Account name XXXX. XXXX, XXXX Account number XXXX
Product: Mortgage

I refinanced my home loan and closed on XX/XX/21. My escrow refund was to be issued within 20 business days. As of XX/XX/21, the escrow refund of {$3500.00} has not been received. I sent numerous online messages XXXX to end of XXXX. I reached out XXXX and received a response from Loan Care, LLC, as a result. I spoke to a representative on XX/XX/21 and was informed a check was issued on XX/XX/21. I requested the issued check be cancelled and another check issued via Priority Mail. I was told this would take additional time and a customer representative would reach out to me. As of XX/XX/21, I am once again unable to reach a live representative to direct my follow-up inquiry to.
Product: Checking or savings account

I had XXXX transactions at different places posted to my account as pending on XX/XX/year>. I called Chase and disputed the charges. They later overturned the dispute in the vendors favor saying that my chip was used and they cant be duplicated so it had to have been me. They suggested maybe i forgot or someone used my card and put it back. Neither of these things happened and upon further review thousands of other Chase debit accounts have been hacked in the same way they say isn't possible. Rather than take accountability for their lack of security i was told " prove it wasn't you who used the card in another dispute '' and when i asked how i would do that they told me they can not tell me. Do i need to have my wife write a letter saying we were at home? This seems like a way the company uses to pass the burden of their losses do to theft onto the very people that were stolen from. The lack of transparency and helpfulness leave me, a loyal Chase customer of over a decade who has never missed a payment, feeling taken advantage of and without recourse. A simple XXXX search will show countless news stories of this happening but the people at Chase pretend it isn't possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX I do not have the account number for the last two accounts, 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : the consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relative to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I get a email every day about my Wells Fargo bank balance but I am not allowed to sign in to see
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows that XXXX XXXX XXXX is reporting that I missed auto loan payments from XXXX - XX/XX/2020. This is false. I have receipts and statements to prove I never missed these payments. Through XXXX secured messaging, a representative stated an ACH payment was only rejected on XX/XX/2020. However, I was unaware, nor did I authorize this. This false report has completely destroyed my credit score and it needs to be removed. I have already contacted XXXX and made disputes through Transunion, XXXX  and XXXX but I have not gotten any results from the disputes. Please assist so I can eventually obtain a credit score that allows me to properly finance a vehicle. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several fraudulent accounts reported under my credit profile. I am submitting this request in accordance with the Fair Credit Reporting Act ( FCRA ) and would like these accounts removed promptly. As a survivor of XXXX XXXX my identity and personal information were compromised, leading to the unauthorized opening and reporting of the following accounts : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX  - Account XXXX : XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX US DEPT ED - Account Number : XXXX These accounts were opened or reported without my knowledge or consent, violating my rights under the FCRA . Specifically : 15 U.S.C. 1681 Section 602 ( a ) This ensures my right to privacy and accurate reporting.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) Consumer reporting agencies can not furnish accounts without my explicit consent.

To support my dispute, I have attached the following documents : A personal statement detailing my trafficking situation. 
Additional records, where applicable, to verify my identity and substantiate my claim. 
I request your immediate review and removal of these accounts from my credit profile. Please confirm receipt of this dispute and inform me of any additional steps or documentation required. 

Thank you for your prompt attention to this matter.
Product: Student loan

This is a NAVIANT XXXX loan that iam the co-signer of for my daughter. 

On many occasions, Naviant floods me with call all day if they can't reach my daughter. They also, because of what they call an old system, call me even if there is no issues with the loan. 

They are harassing me to a point that I had to call and complain to management. 

This approach still continues as of this complaint date.
Product: Money transfers

A Western Union money transfer # XXXX was sent to me XXXX XXXX some weeks ago while I was traveling and since then WU has refused to honor the transaction on more than one occaision.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXXXXXX XXXX in Puerto Rico wher I have my auto loan and checking account repor wrong information to my credit reports. I ask you help me to fix my credit report score. I had a XXXX FOR THE MONTHS OF XXXX, XXXX AND XXXX OF XXXX because of COVID-19 Pandemic and that XXXX payments where moved to the end of the loan end date that now is XXXX. But the XXXX XXXX reports as late payments and they at the banks made various errors of my auto loan payme and they made the corrections after I meme several claims to them. 

The XXXXXXXX XXXX is causing problem to my Credit Scores for They Errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAY XX/XX/XXXX WHILE GOING OVER MY CREDIT REPORT I SAW SEVERAL ACCOUNTS A ADDRESSES ON MY XXXX XXXX, XXXX  AND EQUIFAX REPORT THAT DO NOT BELONG TO ME. MY DATE OF BIRTH WAS WRONG AS WELL. THERE WAS SEVERAL PHONE NUMBERS LISTED THAT DO NOT BELONG TO ME. THERE WAS ACCOUNTS WITH THESE COMPANIES NEVER DONE BUSINESS WITH THESE ORGANIZATIONS.XXXX XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX # XXXX****, XXXX XXXX # XXXX****. I AM UNABLE TO RENT OR BUY A HOME NOW WITH THESE UNRECOGNIZED ACCOUNTS ON MY CREDIT REPORTS. 
MY CURRENT AND ONLY ADRESS IS XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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 a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX Balance : {$4400.00}, XXXX XXXX Balance : {$2100.00} & XXXX XXXX Balance : {$5500.00}
Product: Debt collection

On XX/XX/XXXX I mailed a certified letter to Diversified Adjustment Services. This letter was delivered and signed for on XX/XX/XXXX. In  the letter, I was disputing validity of this alleged debt and requested copies of signed contracts. Diversified Adjustment services DID NOT notify the credit bureaus of my dispute within 30 days ( ***You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XX/XX/XXXX. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. ).
Product: Checking or savings account

My debit card was stolen and I was immediately notified by the bank app and by XXXX when I found out and confronted the person who stole my card and took my money I was told to set up XXXX XXXX  and request the money back. Which I did and the thief told me she never got the money out of my account. But she did and my bank ( chime ) told me I had to wait for it to clear and then they give me back money ( XXXX ) but when I did that they then told me no cant giveback money and to file a dispute and to contact XXXX which I did. My dispute was denied by both XXXX and chime several times. Weird considering I have proof of the thief telling me she scammed me and that I am stupid and a picture on the site of XXXX XXXX  specifically states they have this known issue with fraud and scammers by doing a recoeved and failed cancelled scam. Which is 100 % what was done to me. 
. I have been asking for a refund for this fraud for many months and I keep getting blown off. They lied in their investigation for my dispute. Chime lied! They said no to things I did DO and didnt bother even asking me to answer those questions kept changing what I should do next to get the money back. I did it many times and they say ask chime for the money chime says ask XXXX for the money meanwhile I am stolen from and this XXXX XXXX thief is getting away with stealing my money. XXXX XXXX  page it says this is a common scam the request and failed scam. So what is the issue?????????? Help me please this bank never wants to refund errors or money chime should be shut down They owe me {$180.00}
Product: Vehicle loan or lease

Company did not tell me where the car was, how I could redeem it, how much I actually have to pay. 
Company did not send letter of deficiency telling me how much the car sold for at auction and what is owned on the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a phone notification that indicated my account was past due. I was not using the account and had paid the balance in full. After looking into the account I found on XX/XX/XXXX that I had, in fact, paid the balance in full of XXXX. When I inquired in XXXX, I was told there was an interest charge of {$2.00} that had been added to the account and then assessed late fees several times. The representative for the company informed me that these fees would be removed from my account by the next billing cycle and the late payments would be removed in 45 days from my credit report. The fees were removed from the account, however the credit report is still affected showing two back to back late of 30 and 60 days. I called the company again on XX/XX/XXXX after finding out that the status of the credit report had not changed reflecting that there were no late payments. I was told first that Express/Comenity Bank would not do anything further to help. I asked to speak to a supervisor and was then told that the documentation necessary to address the credit report was not submitted in XXXX when I first called and was being submitted now on XX/XX/XXXX and would take another 45 days. 
I am in the process of purchasing a home and put off continuing the process in XXXX as this error had dropped my credit limit on the card and my credit score. Now I am being further penalized by this predatory practice and being told possibly another 45 days. I have nothing in writing and no idea if anything has actually been submitted due to the company 's unethical practices and unwillingness to address the error in a timely fashion.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit report, I found that part of the information was inaccurate. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting items as unconfirmed information without supplying evidence within the legally required amount of time. The following false information in my credit report must be investigated and omitted : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Is reporting a XXXX account as a charge off and a XXXX auto loan and XXXX credit card and credit first accounts even though they are fraudulent also XXXX is reporting a fraudulent XXXX credit card and same with transunion