23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no 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 relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to request XXXX XXXX  to provide verification and substantiation for certain items on my credit report that were previously blocked due to fraud. I have recently obtained additional information pertaining to these blocked transactions, which suggests that there may be factors necessitating further investigation and clarification.
Product: Credit reporting or other personal consumer reports

There are 3 inquiries on my credit File on XXXX Credit Bureau. 
This Inquiries were not authorized by me. 
Please remove it from my credit file. 

1. XXXX XXXX XXXX -- Inquiry : XXXX XXXX, XXXX XXXX. XXXX -- Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX-XXXX  -- Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX 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.
Product: Debt collection

I called Collection Credit svcs and advised I am unaware of this debt I did not have an opportunity to dispute this information if in fact. I stated if they believed they gave me proper notification, please send me a certified receipt with my signature on it stating I received it. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1200.00}
Product: Debt collection

I XXXX XXXX, entered into a consumer credit transaction with Dept Of Ed/Nelnet on XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. Dept Of Ed/Nelnet, outside of the finance charge, prepared to charge me monthly/incremental payments, which clearly violates 15 usc 1605. Furthermore, Dept Of Ed/Nelnet never clearly disclosed to me their violations, which itself is a violation pursuant to 15 usc 1611.
Product: Money transfer, virtual currency, or money service

XXXX with PayPal 's XXXX XXXX XXXX XXXX I need your help again. 

I dont know why they put another limitation on my account without any reason. 
they ask me for documents and i do not has time for send the documents. 

XXXX XXXX please help me. 

XXXX XXXX
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau, the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only two are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1002.142 ( b ) ( 6 ).
Product: Student loan

I have been dealing with this student loan for about 6 years now, originally through  XXXX   XXXX , then through  XXXX  and now through Navient. I paid my student loan off to the school,  XXXX , which is no longer a school anymore. I made payments in  XXXX  and  XXXX  of almost {$2000.00} and then more payments through those 2 years of about {$450.00}. I only attended that school for half of the program and am being told that I owe the entire programs loan amount.   I have tried to get in contact with Navient about what payment history they have for me, and to explain how I owe the money they are claiming, but no one will respond to me.
Product: Consumer Loan

I cosigned a car for my sister. She and her husband voluntarily gave the car back to the bank. The bank than put a repo on both of our credit. The problem i have with that is there was no communication between us in the bank after the repo. I looked up the state laws in North carolina which states that during the repo procress the bank is suppose to communicate with us where the car was being auction at. The location of the auction has to be beneficial to both parties. before the car is auction they have to give us a 30 day noice. Also north carolina state laws says that after the auction take place they have 15 days to notify us how much the car sold for incase we have to pay the difference in lost or if they need to reimburse us. That was not done as well. I tried to talk to them and they said that if i sent a dispute letter to them they would not read it. I tried disputing it through XXXX credit companies nd they are not helping just keep saying that they looked into it and it been verified. They never say what was verified.
Product: Credit reporting or other personal consumer reports

XXXX XXXX letter re : billing error sent re : consumer credit card per 15 USC Code 1666 ( a ) reporting discrepancy on my MORTGAGE balance and CFPB complaint was filed and no response. As of XX/XX/year>, a XXXX was accepted by the XXXX  for the amount of XXXX for the loan balance. XXXX XXXX was received from XXXX XXXX XXXX parent company of XXXX XXXX XXXX XXXX XXXX XXXX XXXX that they have accepted the approved Copy B from the XXXX. Since a COPY B is considered an income, it should not be reported as delinquent as the amount will settle the mortgage as paid off with balance of XXXX.
Product: Student loan

So to begin, two years ago I enrolled my loans into an income based repayment scheme. Things in my life have n't gone exactly as planned and my ability to pay is impacted by what I can afford making XXXX more than minimum wage with life expenses. 

Last year I had a secondary part-time job that pushed my income up by 100-200 a  week that I was using to repay other debt. This job however, pushed my income above the federal poverty line for Massachusetts ( which is n't really hard to do with a $ XXXX minimum wage ). 

I 'm a bit old fashioned when it comes to important things, and thus with my student loan servicers I ensure that I get paper copies of correspondence in the mail. This includes when I need to renew my XXXX This year however, Navient mailed me my XXXX paperwork one day before it was due, so I was 4 days late on renewing my XXXX  plan. 

This is the start of my troubles. on XX/XX/XXXX the Dept. of Ed. confirmed that my XXXX was sent over to navient and that I should receive correspondence from them confirming this. I did not. Watching my account, ( which I had not been able to make a payment on due to owing the IRS money in taxes due to some debt settlements pushing up my income artificially ) I noticed that like before, I did not owe a payment, and was current. 

Then on XX/XX/XXXX I received an email from Navient confirming that my auto-payment was confirmed for XX/XX/XXXX. I have NEVER used auto-payment for anything other than my car ( As that is my one life necessity ), and I KNOW I did not authorize them to make an autopayment. Upon seeing this email I immediately revoked their right to know my checking account information, which according to my account revoked the pending autopayment. Checking my bank account on the XX/XX/XXXX however, they still drafted an autopayment and bounced my account. 

Now, they have taken a payment for {$24.00} ( without my permission ) and my bank account is negative. I do not see their reasoning for why my payment schedule is what it is ( unlike last year ) and a rep is unable to provide me details as where the payment they took went. It is not reflected in my online account register and I have no tangible explanation as to where that money went, and no way to receive the {$30.00} fee from my bank back. They were too busy threatening me to pay my account ( which under normal circumstances I would ... ) instead of explaining the changes to my account. 

In summary 1. They enrolled my account into an autodrafting system without my express permission 2. They took money from my account via said autodrafting system when I revoked their permission to use that account 3. They can not provide me with details as to where the money they took went in a ledger form that I can understand. 
4. Their customer service is bad.
Product: Bank account or service

I had a checking account with TD Bank and was in a dispute with them over fees charged and told them I was going to open an account at another bank which I have done. In the meantime my insurance company XXXX deposited {$410.00} into the TD account instead of into my new account. The amount deposited was {$410.00} on XX/XX/2016 by ACH transaction ( electronic deposit ). I no longer have an ATM card with TD bank as I no longer use this account. I went to TD Bank to get my {$410.00} out and they said this is a " credit only account '' which means deposits can be made but I cant take anything out. I asked why I can not take the money out since the money is mine and I broke my toe and need to pay the Doctor bills with this money. TD BANK customer service told me to come in and close out the account and they would not be able to give me the money since I owe {$560.00} on my account. I told them I do not owe them anything and they are not correct as I dispute those fees and will continue to dispute them. They are blackmailing me saying the {$410.00} will sit in my account until I come in and close out my account but I told them I am not going to do that unless they remove the excessive fees they charged me which I am in dispute of. TD Bank told me NO. XXXX said they can not take the money out of the TD Bank account even though it was an honest mistake on XXXX part, I would like the {$410.00} balance mailed to my home address. The bank can not hold this money from what my Attorney has said. ( I asked for a free consultation with my Lawyer ). He told me they are illegally holding these funds since nothing showing due on this account and there is a credit of {$410.00}. if TD Bank does not mail me this money asap I am getting an Attorney involved in this!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX hasnt responded to disputes, and it has been well over 30 days, have not corrected errors on my credit report. I have filed a complaint with CFPB, and response has nothing to do with complaint issue.
Product: Checking or savings account

On XX/XX/XXXX I mobile deposited a check with Chime. After realizing a short while later I called Chime to cancel the transaction, which they offer as a service. After waiting on hold for nearly 2 hours a representative answers and I explain what Im looking to do. She advises I need to speak with a supervisor and transfers me. I wait on hold for another 45 minutes and finally get connected. I explain to the supervisor I want to cancel my mobile check deposit so I can take it to the issuing bank and cash it. The supervisor tells me no need to do that because all of my funds would be available that night between XXXX. After hearing that I decide not to cancel the check thinking I will have my funds when I wake up. Next day wake up and no funds. I called again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and was advised by every representative I spoke to that all of my funds would become available shortly after our call ended. On one of the calls the representative even said he was sending a note to the processing team to speed it up and assured me that within 30 minutes to 2 hours I would have all of my funds. Again here we are its the 5th and still no funds. Yesterday I called and asked to speak with the highest manager which I was connected to after 3 and a half hours of being on hold. He claimed he was opening a case to review all of the calls and would also try to speed up the process of releasing my funds. Told me to keep an eye on my emails because someone would be contacting me soon regarding the situation. Its now 24 hours later and I have no heard from anyone. Bottom line I was mislead and lied to on multiple occasions. My original plan to cancel the deposit so I could go to the issuing bank was changed due to a lie. Had I been informed of the actual process and timeframe it would take for this transaction to happen, I never would have just left the check in the bank. This was a check from my employer for emergency funds which I could of had almost a week ago now had I not been mislead and lied to repeatedly. This is the worst customer service Ive ever seen in my entire life. The check was for {$1200.00} of which {$200.00} was released the day after depositing. My account with them has monthly direct deposits of between {$15000.00} - {$20000.00}. Im finding it incredibly frustrating with that amount of money going into my account they can not release {$1000.00}. I would not be upset at this situation had I made the decision knowing it would take nearly 2 weeks to process. Again I was mislead and lied to by 3-4 representatives and 2 supervisors. Chime has the worst client service team Ive ever experienced and they clearly could not care less about their customers.
Product: Debt collection

Hello Respected Agency member, I have incurred toll charges in the state of XXXX  ( comes under XXXX ). 

I was notified thrice and also received mail from collection agency. 

My concern is I was not in the United States while i received the late notices. I was out of United States from XX/XX/XXXX - XX/XX/XXXX. I requested the agencies to dismiss the late fees and either parties deny to change the amount owed. For example, the Collections Agency says while the amount is referred to Collections Agency, the Agency can not make changes to the amount. Similarly, XXXX says they can not change the amount and that only the Collections Agency can change the amount. 

I am ready to pay the original Toll amounts and not the late fees since I wasn't in the US during this time frame when notices were sent. 

Kindly request you to expedite the resolution in this matter. 

Involved Parties : - XXXX - Valor Intelligent Processing Collections Center Thank you.
Product: Payday loan, title loan, or personal loan

According to XXXX XXXX I have a derogatory mark for a speedy cash loan. However, I have never applied for a loan besides student loans. Also at the time that the speedy cash was given out I was XXXX XXXX XXXX and did not know what speedy cash was. I have no way of even accessing an account or having an account number. If the company was to look at my information Im sure I would be able to prove I did not apply for this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed public record items with LexisNexis. Their response was incomplete. I requested the method of verification and the procedure used to determine the accuracy of the items. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX # XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

This is complaining CITI BANK 'S ridiculous charges of {$25.00} against my CITI AAdvantage credit card. Informed by their representative onXX/XX/2019 : CITI BANK changed XXXX XXXX billing from mail bill ( paper bill ) to electronic bill ( paperless ). I have no knowledge whatsoever about my unreceived bills. I know nothing about bill format changes pertaining to XXXX XXXX. As a credit card client, I receive bills and then, I pay it off. ACTUALLY, I NEVER RECEIVE THEIR BILLS FOR TWO MONTHS ( XX/XX/XXXX thru XX/XX/XXXX ) in any format ( paper bills or paperless ). I had found myself that I have not received bills for a while ( XX/XX/XXXX thru XX/XX/XXXX ). On XX/XX/2019, I had to phone them to inquire about my bills. OnXX/XX/2019, I paid the monies I spent which is {$46.00}. 

XX/XX/2019The representative have informed me that the charged fees ( penalty ) and interest of {$25.00} will be adjusted and dropped. 

XX/XX/2019 The representative informed me the adjustment ( {$25.00} ) is not yet adjusted. But will be adjusted ( dropped ) on XX/XX/2019. 

XX/XX/2019 The debit of {$25.00} remained. Actually, all {$25.00} is never adjusted, even as today ( XX/XX/2019 ). It actually may be growing due to interest. 

CITI BANK is dishonest and is cheating customers.
Product: Credit reporting or other personal consumer reports

In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency. 
I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

LIST OF ACCOUNTS BEING CHALLENGED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

A company by the name of XXXX XXXX XXXX XXXX is on my credit report & should not be. I feel Experian, XXXX XXXX XXXX put this creditor on my account without the proper research. Which is causing a negative impact on my credit report.
Product: Debt collection

Chase bank, JPMCB CARD SERVICES. 
YEAR AND DATES 2019, XXXX, XXXX, XXXX, XXXX. During 2019 me and Bank a new agreement with my collection. Chase did not remove and delete any other late charges they put on my account after making this new agreement. Therefore after I've been trying to fix it and they said they can't change it or remove any more dates.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT THERE ARE ACCOUNTS ASSOCIATED WITH THEFT ON MY CREDIT REPORT. THE ACCOUNT WAS REMOVED NOW IT REAPPEARED ON MY CREDIT REPORT AGAIN I AM REQUESTING THAT THESE ACCOUNTS BE REMOVED IMMEDIATELY. 

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

I received an alert through XXXX XXXX that a collection appeared on my credit report for XXXX XXXX for {$920.00}. The collection was placed on my credit report by an IC Systems. Ive never heard of an IC Systems and Ive never had XXXX XXXX XXXX services. And, logically, if I had XXXX XXXX, how would my bill be XXXX XXXXXXXX? That makes no sense. This is fraud. I disputed this with the credit bureaus but I received a message saying this is a legitimate charge. If you review my credit report, you dont see any history of me not paying bills so why would I start not paying bills now. I have a problem with the credit bureaus placing this information on my credit report, lowering my score, without verifying this debt with me in this fraud environment. The credit bureaus assumed this is a legitimate debt and assumed that the customer didnt pay. Im filing an identity theft police report
Product: Credit card or prepaid card

On XXXX I applied for and was approved for a Frontier credit card through Barclays with implied immediate {$200.00} statement credit as well as XXXX miles bonus. However, upon returning from Barclays to XXXX it turns out this is not the case. After calling Barclays it turns out this is a bait and switch. You have to wait for the physical credit card to actually book and get a {$200.00} statement credit. This is misleading advertising.
Product: Credit card or prepaid card

I had work done to my house and XXXX never completed the job. I filed a dispute with Wells Fargo and I explained the situation to them. They basically haven't done anything and told me that the company hasn't heard from me. I've offered to send copies of the emails that I've sent to XXXX andphonerecords. However, Well Fargo didn't want to see anything, nor help with the situation. Now Wells Fargo isn't returning any of my calls. I'm making payments on something that I haven't agreed too and contract has been broken by XXXX.
Product: Credit reporting or other personal consumer reports

Date Opened of XX/XX/2022 for XXXX XXXX is inaccurate on TransUnion report.