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. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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: Bank account or service

I happened to be monitoring my bank account at well fargo bank on XXXX XXXX, I was waiting for a direct deposit to occur. I checked the account several times. At XXXX on XXXX XXXX, 2015 my account became overdrawn, It said that a check posted on XXXX XXXX. That did not happen. My direct deposit came through and I transfered funds before a overdraft fee was charged. 

It has got to be against the law for them to post a check on the day before the actual posting occurred.
Product: Debt collection

I wrote to XXXX, asking them to stop calling. XXXX calls me every day. Each time, they use a different phone number
Product: Checking or savings account

I have TD bank, my soon to be ex emptied my account many times over.Her and I went in to TD Bank and I got her off my account. She apparently went back in later in the week and got her own account with a overdraft on my account without me knowing or my permission.She was taking {$1000.00} a week and I kept asking TD bank about it but they said they could not tell me where my money is because I am not on whoever 's account it is.I said close it but they said the other person who has that account has to. She stole $ XXXX {$60000.00} from me and TD did nothing for me. I need help bad, thank you and have a great day. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX I made a purchase with my debit card online with a company called XXXX XXXX, this is when the issues began between this company and my bank, because this company placed a temporary hold on my account and stated that after few days it would fall off., The Hold hold wasnt resolved so I had to reach out to my bank to resolve it on their end I had to dispute the hold. It was eventually resolved, but not without pulling teeth from my bank for some reason. Fast forward to now. On XX/XX/XXXX I was charged again from this company. However, the issue is is that after I tried their products, I returned it and they acknowledge my return. But thats neither here nor there, I dont care about the merchant. 

What I care about and why Im submitting this complaint today is the fact that after all of that, I deactivated and deleted my debit card from my account. So I asked my bank how on earth can a charge be made through a card that has been deactivated and deleted.? it cant be, it shouldnt be, and its in their terms and their FAQ on their website that the only way this can happen is if it was pending prior it was not. I had no pending charges from this company. So my bank can not use that excuse either that the charge was pending. their excuse to me today on XX/XX/XXXX is that it is an unpaid bill that was forced through. I kept asking Found. Why do they feel they need to be in charge of my finances and make choices for me? To force through a payment ( that they stated is unpaid ) that I know was automated from the merchant and that the company has stated to me to ignore it because its a payment processing error since I returned the products during trial and canceled the subscriptionits been ignored XXXX previous times since XX/XX/XXXX, so when I demanded a reason as to why now that Found Bank has decided to allow that charge to go through they said that it was a forced charge from a supposed unpaid bill. 

My complaint is against Found Bank for allowing a transaction to go through on a deactivated and deleted card on my account as well as them, thinking that they can do whatever with my income that they choose to..even though it resulted in a negative balance on my account with them.
Product: Payday loan, title loan, personal loan, or advance loan

I have requested XXXX XXXX XXXX TIMES for Avant to remove my bank account from their company. It continues to remain on file, and now I am really, really XXXX. You can not just do whatever you want and get away with it. I was extremely respectful and professional and now I will not be. Delete my name, my address, my checking account information, EVERYTHING or you will have serious, serious legal issues. Do NOT XXXX with people and their personal, sensitive information. Happy to see you in court if you refuse. XXXX of XXXX privacy, unethical, and absolutely XXXX people.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XXXX of 2020 a particular individual whom I know charged money fraudulently to my debit card, by utilizing Walmart to Walmart. This individual may have been responsible for several other Walmart to Walmart transactions as well as XXXX  transactions that were not authorized by myself. withdrew money several times for amounts totaling over XXXX. She then sent a payment to an individual out of town, by using XXXX to XXXX on XXXX XXXX XXXX at XXXX XXXX, located in XXXX Texas. XXXX  charges were also charged to my debit card. All these charges were acquired on XX/XX/XXXX and XXXX of 2020. I currently collect unemployment. I have had to dispute several transactions behind this/these fraudulent individuals.
Product: Student loan

My complaint is against Navient. I was co-signer on my daughters college loan from XXXX XXXX in 2003, my father was the primary borrower. I have been paying this loan on time since my daughter started college. XXXX XXXX sold to Navient and now I am being harassed for missing payments and late charges. I have faxed bank statements showing every monthly payment that is made through my bank. My father and daughter have since passed away but I still continue to pay this loan. Every month I receive a letter and when I call I get a different answer each time I have asked them to stop harassing me as it upsets me considering my daughter and fathers passing but they continue to call and send letters. I can not afford an attorney to stop this from happening and do not know what else I can do. They are now threatening to send this to the credit bureau. I would appreciate any help you can offer. Thank you
Product: Credit card

Background : On XX/XX/year>, I received an advertisement for a Breadpay credit card addressed to my residence in XXXXXXXX XXXX 

Subsequently, on XX/XX/year>, I submitted a credit card application through Breadpay. 
During the application process, a credit history check was performed, resulting in a XXXX reduction in my credit score. 
Unacceptable Delays and Lack of Communication : On XX/XX/year>, I contacted Breadpay support to inquire about the estimated arrival date of my credit card. I was advised to wait " a few more days. '' This same response was repeated on XX/XX/year>, when I followed up again. 
Same response was given on XX/XX/year>, when I followed up again. 
As of today XX/XX/year>, I have still not received the credit card and was provided the same generic response upon contacting support. 
Escalation and Potential Next Steps : This extended wait of over 34 days is unacceptable and highly frustrating. It is concerning that despite multiple inquiries, I have received no concrete information regarding the status of my application or the reason for the delay. 

This situation raises concerns about potential misrepresentation on Breadpay 's part. The advertisement seemingly promised a swift application process and card issuance, leading me to believe I would receive the card within a reasonable timeframe. 

XXXX is only good for canned responses. 

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

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$390.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Bankruptcy Date Filed/Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Bankruptcy Date Filed/Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on the response of XXXX, XXXX, and XXXX about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous account reporting on my Credit Report : 1. SHELLPOINT XXXX Balance {$320000.00}
Product: Credit card or prepaid card

I applied for a received the Capital One Savor card in just this month XX/XX/XXXX in anticipation of a trip to XXXX from our home in XXXX, AL. It was one of several credit cards we considered that do not have foreign transaction fees, which are 3 % with our bank XXXX XXXX. After successfully using the card for the first XXXX days of our trip on many transactions including our hotel, meals and museums, the card suddenly became restricted and could no longer be used as of XX/XX/XXXX. We received an email notifying us of the restriction and to call them asap - though they opened near 18 hours later. We called as soon as they opened and were told there was no concern of fraud they just wanted to verify my identity- and the only way to unrestricted the account was to provide copies of my drivers license, social security card, and proof of residence. I didnt travel with my social security card ( not that Id want to give them a copy anyhow ), so am unable to give them their requested documentation. I escalated through to a manager and tried to offer any other identification such as my passport and was refused. They also could not tell me what made them restrict the card without verifying my identity in this way only. Now we are stuck without the card for the remainder of the trip and will pay foreign transaction fees on the remainder of our purchases through our departure on XXXX. Banks are closed here til day before we leave Tuesday the XXXX. My only other credit card to earn rewards is an XXXX which is accepted almost nowhere here. I feel the injury is both the loss of rewards access and the 3 % Ill be paying on remaining purchases with XXXX XXXX debit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize or have any knowledge of such inquiries. 

DISCOVERBA - XX/XX/XXXX XXXX  DISCOVER FINANCIAL SER Bank Credit Cards XX/XX/XXXX XXXX   XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX Credit Unions XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I attempted to send a {$500.00} payment to a merchant on Venmo using my XXXX XXXX XXXXard. The transaction failed with a try again later message. I attempted to send the {$500.00} payment again and it went through. Later that day, I checked my XXXX XXXX statement and noticed that I had two transactions pending for {$500.00} to the merchant I was paying. I assumed one of the transactions would fall off since Venmo gave me the error message stating that the transaction failed and couldnt be processed. Days went by and the second transaction never fell off, XXXXXXXX XXXX had approved both {$500.00} transactions and sent the money to Venmo twice. Ive been in touch with the merchant as they are a close friend of mine and they have said they only received my payment once and in fact, my Venmo transaction history only shows one outgoing payment to the merchant for {$500.00}. I have filed multiple claims with XXXX XXXX stating that I did not authorize the payment to go through twice and have been declined the credit back to my account each time because XXXX states that the transaction was authorized and that Venmo received the money twice. I have also filed claims with Venmo multiple times stating to them that XXXX XXXX states that they sent Venmo and Venmo has received two separate transactions for {$500.00} each but Venmo has denied each of my claims stating that only one transaction was processed, the other failed to process and that they only received one payment for {$500.00}. I have bank statements proving that Venmo received two separate transactions with two separate serial numbers from my XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In acordance with the fair Credit Reporting Act XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX, has violated my rights 15 U.S.C 1681 section 602 A Staes I have the right to privacy.

15U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instrctions
Product: Debt collection

I attended XXXX session of an advertised treatment program. Unfortunately, the treatment did not produce the promised results by the unlicensed medical clinic. I was informed that unsecured credit would be extended for sessions. There was no clear information regarding cost per session, including cancellation policy as well as potential risks and downsides. 
Because of severe discomfort after the first session and the risks involved as I am XXXX XXXX XXXX at that time, I informed XXXX XXXX XXXX that I will discontinue. I offered them to pay for the first session but they never responded. 
My lawyer sent them a letter as well as Momnt XXXX who is sending me the bill of {$8500.00}.
Product: Debt collection

I have filed multiple complaints against AWA and XXXX. The CFPB does not validate the information that the company sends back. AWA is using bullying tactics with their debt collection by adding interest to a debt to cause me credit issues in an attempt to force me to pay a debt that I am disputing. AWA is adding monthly interest which causes my credit score to drop monthly and I believe they are doing this as a scare tactic as predatory debt collectors because this alleged debt from that original company never included insterest and I never agreed to pay interest. On my last complaint AWA stated they can charge insterest under Section 408.020 but that section states " Creditors shall be allowed to receive interest at the rate of nine percent per annum, when no other rate is agreed upon, for all moneys after they become due and payable, on written contracts, and on accounts after they become due and demand of payment is made ; for money recovered for the use of another, and retained without the owner 's knowledge of the receipt, and for all other money due or to become due for the forbearance of payment whereof an express promise to pay interest has been made. '' The interest is going up monthly not annually and no interest rate was ever discussed, asked or agreed on with me and XXXX. If it was, I need to see the contract they never provide. Under 15 U.S. Code 1692f - Unfair practices it states " ( 1 ) The collection of any amount ( including any interes, fee, charge or expense incidental to the princiapal obligation ) unless such amounth is expressly authorized by the agreement creating the DEBT or permitted by law. The agreement creating the alleged debt DID not include interest and again they are charging me monthly and I never agreed to pay interest.
Product: Consumer Loan

I was informed by mail that my car loans financed by Ally was increased because of my XXXX background. I received XXXX letters ( packets ) in the mail about a class action lawsuit that is being persued against Ally, stating that I may receive compensation for their unlawful practice. There is a time limit ( XXXX ) that must be met. I 've sent the forms, and about 3 weeks later, I received a post card from Ally Settlement Administrator stating that they did not receive the forms. I have called XXXX times, and was told that I would be receiving another packet to fill out and send. To this day, XXXX/XXXX/15, I have yet to get it. What do I need to do? This has been ongoing since XXXX. I have the dates, times, and the persons ' names from when I 've called. Seems to me that they are letting the time lapse. Please help. Thank you.
Product: Checking or savings account

Motivated by a Chase website {$200.00} offer in XX/XX/XXXX, I scheduled a meeting directly online following the offer link in the email on XX/XX/XXXX. As required by the offer, I opened a new account on XX/XX/XXXX, and successfully set up the direct debit from my employer a little later in XXXX. The offer says the bonus will be paid directly to the new account within XXXX  days. But until today XX/XX/XXXX, I haven't received the promised {$200.00} bonus in my account yet. I complained this case with the branch staff XXXX XXXX, and also provided feedback to Chase customer services. But they didn't provide any solution about this. This is very disappointing, and I would like to file a complaint case about Chase 's cheating advertisement. I have the offer email and appointment email as evidence to be provided as requested. Thank you.
Product: Debt collection

In XX/XX/year> while observing my credit a company ( Arc Management Group ) falsely reported to my credit that XXXX owe {$1500.00}. XXXX ask them to provide a contract with Arc Managment Group and XXXX wet signature. They have yet to provide that information to me and by law they cant, so it must be removed, IMMEDIATELY. XXXX have never heard of this company before there XXXX know theres no contract.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Filed Date Filed/Reported : XX/XX/2021 Reference # : XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had an account start reporting on my personal credit history. I had not had a XXXX account report for many years. I made my last payment and closed my account. On my personal credit report, it shows that I have an open account with XXXX and it was closed and charged off in 2014.  Also, when you open a XXXX account you have to pay {$30.00} upfront and they state that the {$30.00} will be your first payment. They did not consider my {$30.00} my first payment and showed me late and each time I made a payment when my email alerted me, I was considered late and they would add interest. I did not know this at the time but I looked at this document and saw the way they were overcharging me. They never credited my first {$30.00} as they stated and they would send me paperless bills to my email and then consider my payment late even though they were billing me. I have submitted dispute after dispute to both the credit bureaus and the creditor with the address that is located on the credit report. I received a letter from XXXX stating that they transferred my account to another lendor and I should contact them. I have the letter as proof. It also shows that I paid the balance in full and then they added a COFINCHRG of XXXX and a COFINCHRG of XXXX. I was not aware of this. I had no idea that after paying my balance off online and having a {$0.00} balance that they would add any kind of extra charges. They never informed me. You can see the consistent payments on the statement they sent me as well. It was not a charged off account. The creditor has it listed as a charged off on my personal credit reports, I have attached them. And the last date of payment was is showing in XXXX of 2014. It shows on the document from XXXX that the last date of payment is XXXX of 2014. I  sent the credit bureaus this proof as well and they still refuse to acknowledge that it is a fraudulent account that does not match my records. They may have me confused with another person but I never paid my account in a charged off status.
Product: Mortgage

They offered Forbearance in XXXX with Covid- 19 hardship that I would have to pay lump sum come XXXX. I received a letter XXXX stating. Temporary Hardship Forbearance Plan ( " Forbearance Plan '' ) and now I was approved for Payment Deferral. Only approved for 2 months XXXX and XXXX. Come XXXX I still have to pay a lump sum of {$1200.00}???