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

Navient reported that I owe them over {$73000.00} dollars and I dont. Navient will not send me proof of this debt. Navient is also reporting information from XXXX. Navient is making it seems like Im over {$100000.00} in debt to them. Navient and XXXX are the same company but they are reporting it as 2 different companies. I dont owe them {$73000.00}
Product: Checking or savings account

on XX/XX/19, i recived a notification that someone got into my USAA account and added themselves to my XXXX list I then recieved a email a minute later stating they had transferred all but {$8.00} from my account to theirs. The bank is stating its my fault because my computer may have been compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very XXXX out because I just found in my credit report strange accounts and inquiries. The point is that these items are not related to my transactions or any other activities. I do not know them an I see them first time in my life. Could you please figure put what is that and why I have unknow items in my report. When you do so, please delete them.
Product: Checking or savings account

About two weeks ago I submitted a dispute with Chime for unauthorized fraudulent transactions on my account that occurred between XX/XX/XXXX til XX/XX/XXXX. All resulted in a loss of XXXX USD. I did authorize anyone to use my card. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Chime responded that it was verified. That's impossible if I was XXXX  prior to the card being used. I am requesting my money be credited back to my account.
Product: Credit card

discover bank closed my credit card 5-6 months ago, I just submitted an application today but got rejected because Discover bank said I had a closed card with discover ( discover closed my account without any explanation ). I feel this is a violation of Equal credit act.
Product: Debt collection

Complaint against XXXX XXXX as XXXXXXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( GSAMP XXXX ) and demand to return original Promissory Note, original Mortgage, all original Allonges and original Assignments of Mortgage and wet-ink signed by an authorized employee of the Creditor release of all liens after property located at XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX IL XXXX was sold in XX/XX/XXXX. 

On XX/XX/XXXX unknown to me parties allegedly " transferred '' servicing to for my alleged " loan '' to Specialized Loan Servicing, LLC ( " SLS ) now NewRez/Shellpoint owned be XXXX XXXX XXXX  which was three months after my property was illegally foreclosed and sold. to a XXXX XXXX  buyer for cash in XX/XX/XXXX I demand XXXX XXXX  as Trustee and NewRez as successor to faux servicer SLS to return my original Note, original Mortgage, original Allonges and Assignments and provide me wet-ink signed by an authorized employee ( accountant or bookkeeper ) of the Creditor release for all liens and demand to stop selling any securities, derivatives, options, futures, swaps, ect - backed by my personal information. 

I demand a respond from an authorized human employee of the Creditor who has first hand knowledge about all transactions and transfers. No Artificial Intelligence [ robots ] responses from " teams '' or " departments '' at large.
Product: Money transfer, virtual currency, or money service

I HAVE CONTACTED COMMERICA BANK AND WITHOUT AN CARD ENTERED MY SSN AND STATED MY LAST FOUR CARD NUMBERS ARE XXXX. CONTACTED DIRECT EXPRESS ON XX/XX/2021 AS ESCALATION AND PROVIDED CHECK NO. XXXX XXXX AND WERE TOLD I WILL RECEIVE CARD 7-10 DAYS. I CALLED LOGIN SERVICE PUT IN MY SSN AND STATED MY LAST FOUR ARE XXXX BUT SPOKE TO TWO REPRESENTATIVES INCLUDING XXXX VERY RUDE NOT TO TRANSFER ME TO SUPERVISOR. THEY SAID THAT THEY COULD NOT LOCATE MY ACCOUNT. IT APPEARS XXXX SSA ARE STILL GIVING MY BENEFITS TO XXXX XXXX XXXX XXXX AND XXXX CARD.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Former : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX  XXXX 4. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 7. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 8. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 9. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 10. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 11. Validate Account XXXXXXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 12. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 13. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 14. XXXX Account XXXX XXXX  XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 15. Validate Account XXXX XXXX  XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 16. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 17. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 18. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter. Sincerely, XXXX XXXX
Product: Debt collection

VALIDATION AND CEASE AND DESIST Dear Sr : Re : Name : Address : Account # : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the XXXX. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Student loan

XX/XX/2023. On XX/XX/XXXX i made a payment to my balance and assumed the payment would go to principal since the payment due date is not until XXXX XXXX however, the payment of {$500.00} was paid directly to all the interest. I see that this is a problem and loans will be very difficult to pay off if payments made on the account will go to interest first.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the charge off account XXXX with Experian for a few months, I sent a reinvestigation letter, 2 method of verification letters as well as a 611 letter to no avail. Today XX/XX/XXXX I receive a notification that a new collection had been added my my account. XXXX transferred the debt to XXXX XXXX with no prior notification from either company stating the debt had been sold, I also received no 1099 from XXXX. The date on the collection account shows as XX/XX/2022 but why was it just now put on my credit report with no prior communication? I do not understand or recognize how this account had been reporting on my credit report and all Experian had done is Verified- Meets FCRA requirements less than 7 days after receiving my letter every time I have sent a letter in which means no REAL and THOROUGH investigation was done.
Product: Checking or savings account

XX/XX/18 - a check for {$1400.00} was presented to the acct. It shows as clearing on that date, with an ending balance of {$160.00}. The following day that check was returned and my account was charged a {$29.00} fee for NSF. I contacted them about the issue and was told " there are things that go on behind the scenes that you can't see ''. I then asked for them to explain to me how I would be able to manage my account accurately if they did not provide me with accurate information. They did not provide me an answer, only told me that is not how it works. I contacted the XXXX  and have still not been able to speak with USAA regarding the issue. 

Fast forward to now. Last night, XX/XX/18, I transferred funds from my USAA savings account to the USAA checking account. The balance in my account prior to that transfer was just a little over {$300.00}. I made the transfer and went back into the account to make sure it was in there. The " current balance '' and " available balance '' both indicated {$1300.00}. No hold, or delay, was indicated. When I checked the account this morning, it now shows my transfer did not go in until today and the items presented came through causing a negative balance of {$230.00}, then the deposit was posted. I contacted them this morning and was again told " that's not how that works ''. The information in the depository agreement does not specify the funds would not be available immediately. The transfer information on the website said transfers between USAA checking and savings accounts were immediate. I inquired as to why my available balance would not reflect the difference between current and available. They did not provide me an answer, only told me that is not how the app works and they are sorry I was confused. 

I now am going to have to deal with the repercussions of this returned check from the financial institution it was deposited to. I am going to have multiple fees and no one seems to care that what can be seen by members is clearly not accurate. It is ridiculous for them to expect me to be okay with seeing an available balance that is plenty to cover the presented items, only to be blindsided the next day with returned items and fees. I have been with USAA for 12 years and feel they do not have members ' best interests at heart. I also have reached out multiple times today to the office of the CEO without any success. I am at a loss and feel I may need to get a lawyer involved because these business practices that are costing me money and time. 

I would love to provide you with screenshots of my account, but they have it set up so you can not screenshot the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA credit started applying late fees to my credit card ending in XXXX despite me calling and requesting them to examine my XXXX  balance account! They kept adding a late fee every month despite my calls and emails. I would respectfully request assistance to repair this minor issue that they did not explore. They have now referred the issue to collections, a fee I do not owe. Hope you can help? Thanks XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX
Product: Debt collection

I hereby dispute the validity of the alleged debit listed below Entirely. I also request verification of alleged debit, specifically, a copy of the ORIGNAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had diWerent companies reach out to me about this same alleged debit. XXXX XXXX XXXX XXXX 
I am requesting Immediate deletion of all prior reporting made to any consumer reporting agencies. XXXX, XXXX, XXXX and XXXX. You must Cease Collection eWorts till this alleged debt is validated. You must show proof that you legally own this alleged debt and that is accurate and complete. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2024, an unauthorized person signed into my account, set up a virtual debit card and processed transactions from my account. I contacted the bank immediately upon finding the discrepancy and they approved some of the disputed transactions. Unfortunately they denied several under the guise that I authorized those transactions. While I did not authorize those transactions they continue to hold to their blighted remarks. They can clearly see that I was not the person who signed in and created a new virtual card ; they can see that the transactions were fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is incorrectly reporting the payment history to my credit report.
Product: Credit reporting or other personal consumer reports

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

collections the XXXX XXXX XXXX {$300.00} Date Opened XX/XX/2023 Inquiries XXXX ( Bank ) XX/XX/2023 XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX
Product: Money transfers

PayPal charged me late fees for missing a payment on their own card/Pay Later Plan. I never signed up for any PayPal plan/card and when I told the service representative, she said she could n't do anything about the late fees. All my life I pay my credit card balances in full at the end of the month. The cards are attached to my checking account and are paid in full automatically, leaving no balance. PayPay enrolled me in their Pay Later plan without my knowledge and then charged me when I did n't make a payment. I am very upset and this illegal behavior by PayPal should be put to a stop. 
I hope you can do something about this and get the " late payment fee '' returned to me. 
Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, CA XXXX : ( XXXX ) XXXX : XXXXXXXXXXXX
Product: Vehicle loan or lease

Reached to credti acceptance atleast 20 times and no result.

My loan is faulty. 

Warranty of XXXX Gap of XXXX Loan fee of XXXX They were all described as mandatory by dealership. Loan company still hasnt called me to further investigate.

The taxes and fees were wrong plus i had to pay another {$320.00} out of pocket to register the car. 

The bill of sale is completely wrong Also extra XXXX was added to my loan which is incurring interest also. 

I removed the waranty and Gap but they wont fix my rate of balance with monthly payments. 

I took out a XXXX loan which turned to be XXXX with all the extras. 
Car dealership is now pending court hearing for refusing to give back down payment. 
this was already a super high interest loan at 25 % The loan company is very negligent and uneducated. Its very scary they work with dealers as such. 

My apologies i didnt proof read.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft and however, this is affecting me with my goals and my XXXX XXXX. Theirs also inquires that I did not make and need to be investigated and removed asap I did reach out to the credit bureau with letters as well and nothing has been done. below are the unauthorized inquires and under 15 usc 1681 I hope that this matter is taking care of ASAP. Thanks, and XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. Factual XXXX XX/XX/XXXX XXXX. Factual XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. NCC XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

XX/XX/21 Wed - I had over {$500.00} in my checking account and for an expense I withdrew {$400.00} which kept balance at {$100.00} above the {$25.00} minimum balance requirement. I know the salary Direct deposit would happen on XX/XX/21 so I did not worry about the balance being too low. 

Unknown to me, I received emails about account balance being below {$100.00} today on XX/XX/21 at XXXX XXXX which I saw later this morning and found my account balance @ negative - {$340.00} which included two charges of overdraft @ {$35.00} each. The overdraft happened overnight during late hours from a Check I had paid 2 weeks prior to my residential building for a rental application fee of {$500.00} - this cleared/processed overnight and there was no way for me to put more money in account. I had forgotten about this check and as I move my money to savings, I had scheduled to move {$2000.00} to which also happened to go through late night XX/XX/21. 

The {$2000.00} transfer would have happened before the withdrawal of {$400.00} on XX/XX/21 as I had a balance of {$500.00} and change before withdrawing the {$400.00}. However the bank transaction item lines are arranged differently meaning I could not have seen/ gotten flagged of low balance. Regardless, I put back {$380.00} by the BOFA ATM, to bring a/c balance above the {$25.00} minimum required balance. 

I called Bank of America and explained, they acknowledged the situation as due to unfortunate processing timelines hence unavoidable but they refused to remove the fees. I did not delay in bringing the balance back to the required minimum the same day ( today morning of XX/XX/21 ) but they did not care. I called them twice more and even spoke to a Manager to no avail. 
I have been a BOFA customer for over 11 years now but they did not care. 

In summary, they are stiffing me with a {$70.00} overdraft fee.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block inc due to inadequate customer service and unfair practices, which violates the consumer financial protection act cfpa specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected further more their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act efta and regulations E these actions have caused significant inconvenience and financial loss and seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 




Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B. XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ).

The inaccurate INQURIES reporting by XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting or other personal consumer reports

I requested inquiries that I did not recognize on to report to be removed. I sent a letter out my letter over 30 days ago and I have not received any update from the company. Below I put all the inquiries that I do not recognize. I hope this resolves my issue XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX