23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I paid the full balance of the credit card in question on XX/XX/2022 for an amount of {$1200.00}. The transactions was reversed. The XXXX  Rewards app does not have the option to view or change the account number that is being used to pay the card. So I assumed I had entered it incorrectly. I then added the checking account and routing number again to pay the card and copied and pasted directly from XXXX bank App and triple checked the information. I then attempted to pay the balance again on XX/XX/2022 for {$1200.00} and the transaction was reversed again a few days later. They charged me interest for late payment and then closed my account. They cited suspicious activity for the reason my account was closed but they would not confirm with me account information they had on file. They would not read it back to me. 

I opened a complaint but the complaint was not resolved in my favor. 

I attempted a third time to pay over the phone and currently am waiting the outcome.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Dear, CPFB
I recently reviewed my credit report and found unauthorized inquiries.
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code  1681b In general. Subject to subsection (e), any consumer reporting agency may furnish a consumer report under the following circumstances and no other:
(F) otherwise has a legitimate business need for the information (i) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code  1681i, Paragraph (5) Treatment of Inaccurate or Unverifiable Information (A) In general. If, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall- (i) promptly delete

The following inquiries are unauthorized: on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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: Debt collection

Threatened and called my family members, threatened arrest/warrant, threatened to call my employer.
Product: Consumer Loan

USAA has been intentionally deceiving consumers with their website and mobile app. They set up a draft from an account which was supposed to be changed ages ago and never was. They intentionally left the draft in place and did not switch to my new bank. It creates the look that the loan was being paid but it was not. The loan amount reverses the charge and creates both a late fee and a penalty in an account that is supposed to be dead. This is to the amount of $ XXXX/month extra!! The mobile app is set up in such a confusing manner that I did not see this until I really started to investigate on the computer. Their mobile app also does not function. There are error codes ( I have screen shots ) that do not allow payment at times. This is also intentional and designed to layer their pockets at the cost of the consumer. These complaints are with the home loans as well as the auto lending and are all over the web and their own site.
Product: Debt collection

XX/XX/2024 I sent this email to XXXX  .... 
I did not authorize this profile and inform your establishment this matter has been reported as fraudulent to my financial institution. I ask that you reimburse any charges that were unlawfully taken from my account and ensure any of my personal information have not been compromised ; immediately. 

XX/XX/2024 XXXX  responded with... 
Dear XXXX, Thank you for your email.

We apologize for the inconvenience caused.I understand that you've claimed your profile and subscription as unauthorized.I will be glad to assist you. We have received your recent inquiry regarding an unauthorized XXXX  charge to your credit card. We take your report seriously and have assigned this investigation to one of our Account Specialists.
Rest assured that if we find this to be a fraudulent charge, we will immediately refund the charge, close the account and notify you of our actions.

Should you have any further queries regarding this matter, please do not hesitate to contact us. 
Sincerely, XXXX XXXX. 
XXXX  Customer Care XX/XX/2024 XXXX  responded and stated, We have received your recent inquiry regarding unauthorized charges and were able to locate a subscription associated with profile ID : XXXX. Based on our review of this account, we have found no evidence of fraud.

While our members may request removal of their accounts at any time, if there is an outstanding balance owed, XXXX  is under no obligation to grant the
request.

Moreover, as per our records, I can see that you have an outstanding balance of {$450.00} on your current membership. To settle the dues, please login on your account where the Reactivate page is available.

We have confirmed that the automatic renewal on your account has been XXXX and your membership is set to expire on the XX/XX/2024 Recently, I was notified by XXXX  is a debt collector .....

We are trying to collect a debt that you owe to XXXX. We will use any information you give us to help collect the debt.

Notice Date : XX/XX/2024 Reference Number : XXXX To : XXXX XXXX XXXX, HI XXXX Our Information Shows : You had a subscription from XXXX  with account number XXXX. 
As of XX/XX/2024, you owed : {$470.00} Between XX/XX/2024 and today : You were charged this amount in interest : + {$0.00} You were charged this amount in fees : + {$0.00} You paid or were credit this amount toward the debt : - {$0.00} Total amount of the debt now : {$470.00} Last Payment Received : None
Product: Mortgage

I fear I made a big mistake, when rushing in my signed paperwork that will allow for my Wells Fargo ( WF ) mortgage lender, to, supposedly, " recast '' my loan! And I must now stop the music, to gain a CLEAR understanding of what in heck WF is doing in its " recast agreement '' with me, and if it is something I even should agree to have happen!

WF and I have a lon-n-n-ng, rocky relationship, in which my now dead husband and I, pay, pay, pay our mortgage, seemingly to little avail. I've managed to stay current on our mortgage since our bankruptcy and loan modification agreements with WF years ago. So, I wrongly assumed WF was " helping '' me, when I got its XX/XX/XXXX Recast Agreement. The WF legalese was NOT at all written in layperson 's English. But I read online about my HAMP loan offering {$10000.00} loan reductions to folks like me- who manage to make timely mortgage payments after stumbling back onto our feet. And I jumped to thinking WF wanted my signed paper back by XX/XX/XXXX, so WF could run its new numbers for me, after chopping the {$10000.00} from my principle balance. 

WF said I must send in my signed paper by XX/XX/XXXX, so I can at least get WF to crunch my new, recast numbers. But after I mailed my paper in a mailbox on XX/XX/XXXX, I re-looked at the WM recast agreement packet, and realized, WF " already '' " recast '' my loan, since WF shows an " adjusted monthly payment '' chart - a chart that seems to show " stupid '' me, paying WF {$2400.00} beginning XX/XX/XXXX! Never mind that my loan modification paperwork from XXXX shows amounts lower than this, withOUT any recast deal! 

I was so upset by this " recast agreement, '' in retrospect, that I contacted XXXXXXXX XXXX troubles company that dug my late husband and I out of foreclosure in XXXX. But that was XXXX! A XXXX lawyer today says I must pay {$1600.00} for XXXX to represent me again, in this new recast matter now! So, I told him, no, thanks, hung up, and now, seek help from you, Consumer Financial Protection Bureau ( CFBP )! 

I will need to use my own noodle, hopefully, get WF to break down whatever WF is proposing, and stop any progression on this recast mess I do NOT understand nor see any reason for proceeding with!
Product: Credit reporting or other personal consumer reports

Im honesty stumped. Regardless of how many times I claim to be the individual writing this letter it seems this messages is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. This item is UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 obtaining information under false pretenses that any person who knowingly and willfully obtains information information on a consumer from a consumer reporting agency under false pretense shall be fined under title 18 United States Code, imprisoned for more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous of Irrelevant ( A ) a consumer reporting agency may terminate a re investigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent non compliance ( 15 U.S.C, 1681o ) Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure : and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Here is the list of items which Is UKNOWN to me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX Bankruptcy Reference # : XXXX
Product: Credit reporting or other personal consumer reports

I HAVE PREVIOUSLY DISPUTED : Bankruptcy XXXX Experian XXXX Type : XXXX  XXXX Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy Status : Discharged Discharged Discharged Date Filed/Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reference # : XXXX XXXX XXXX Closing Date : XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXXt Amount : {$0.00} {$0.00} {$0.00} Court : U.S. Bankruptcy Court US BKPT CT WA XXXX XXXX XXXX : {$0.00} {$0.00} {$0.00} Exempt Amount : {$0.00} {$0.00} {$0.00} Remarks : - - Bankruptcy XXXX Experian XXXX Type : XXXX  XXXX Bankruptcy XXXX XXXX Bankruptcy Status : Discharged Discharged Date Filed/Reported : XX/XX/XXXX XX/XX/XXXX Reference # : XXXX XXXX Closing Date : XX/XX/XXXX XX/XX/XXXXXXXX XXXX Amount : {$0.00} {$0.00} Court : U.S. Bankruptcy Court US BKPT CT WA XXXX XXXX XXXX {$0.00} {$0.00} Exempt Amount : {$0.00} {$0.00} Remarks : - - ALL 3 CREDIT BUREAUS AND IN RESPONSE, YOU VERIFIED THE ITEM AS ACCURATE, STATING THAT YOU HAVE VERIFIED THE INFORMATION WITH THE COURT. 
I CONTACTED THE COURT, AND THEIR RESPONSE IS ENCLOSED : Bankruptcy filings are public records open to examination by law with few exceptions. See 11 U.S.C. 107 ( link is external ) ; Fed. R. Bankr. P. 5003 ( link is external ), 9037 ( link is external ). Bankruptcy courts are not responsible for verifying or validating information in consumers credit reports. 

Bankruptcy & Your Credit Report The Bankruptcy Court does not report or provide information to consumer reporting agencies. The Bankruptcy Court is not responsible for verifying or validating information in consumers ' credit reports. 
Information about bankruptcy case records and credit reporting is located on the U.S. Court 's website. 


IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER : THEREFORE, YOUR INITIAL RESPONSE VERIFYING THE ITEM WITH THE COURT WAS EITHER AN ERROR OR A LIE. 
EITHER WAY. THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 16811 ), AND THE INFORMATION MUST BE DELETED IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

They did not properly investigate collection accounts that I'm not responsible for
Product: Student loan

Navient continues to add XXXX XXXX XXXX to the account as a contact address when Navient has been made aware numerous times that I do not live at that address, and do not know anyone who currently lives at that address. This address has been added without authorization nor has it been requested. In fact, it has been requested multiple times that they remove this from the account and refrain from sending any communication to that address. Their refusal to do endangers my safety and security. Furthermore, XXXX continual actions to add the address to the account, in spite of this knowledge, appears to be an attempt to violate the law regarding restrictions on call hours within a particular time zone and to purposefully run afoul and disregard proper service of process. I have had to update the address manually numerous times to Navient, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX as a contact address for their system to avoid compromising my safety with their disregard of my request to not send mail to nor use the XXXX XXXX XXXX address. They acknowledged this update and request - but then still continue to add XXXX XXXX XXXX to the account. If they do not want to utilize the above Navient address as a contact address for their system, something done regularly for those living internationally or without stable housing, then for they can leave it blank as their system also allows them to do. Ive included a screenshot of when the address portion of the account dashboard was blank on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of hard inquiries violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please remove these items : XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX ( Original creditor XXXX XXXX XXXX  / ) XXXX Balance : {$1400.00} XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit card or prepaid card

FROM XXXX THRU XXXX CHASE BANK PURPOSELY ALLOWED MY CREDIT LIMIT TO BE EXCEEDED. THEY BEGAN COLLECTING FINANCE CHARGES ON THE HIGHER BALANCES. WE USE THIS CARD FOR MY BUSINESS AND THEY DECIDED TO RANDOMLY TURN OFF THE SPENDING ACCESS TO THE CARD AND NONE OF OUR VENDORS ARE BEING PAID. THIS IS A FRAUDULENT WAY TO FORCE UP BALANCES AND THEN HAVE YOU STUCK WITH A LIABILITY OVER THE ORIG LIMIT MAX AND BE STUCK WITH A MASSIVE DEBT LOAD AND NO OPTIONS TO PAY IT DOWN DUE TO THEIR UNETHICAL CREDIT CARD PRACTICES ( WE HAVE NEVER HAD ANY LATE PAYMENTS IN OVER A DECADE )
Product: Credit reporting or other personal consumer reports

It is currently XX/XX/24 and I have requested a dispute of XXXX loans because it was a double charge. For 2 weeks I have been calling trying to get one of these loans off my credit report just to be denied and told I they disagree without a call or text. I have literally contacted my school and they have told me how much it was for me to attend and the charges coming of my report are incorrect and I want them fixed. I have had to come out of my pocket XXXX dollars for a mistake that was not mine because Experian would not help me.
Product: Credit card or prepaid card

Ashley Furniture Credit Card issued by Synchony does not allocate payments across promotional balances properly and does not provide detailed payment allocation on their statements. Payments above minimum due are not applied to deferred interest promotional balance but rather to fixed rate/fixed term promotions making it likely that deferred interest promotion balances are not extinguished by required date. There is no way to direct a payment to a specific promotional balance. Calling the customer service number listed on statement puts cardholder in a cue to sell other products causing multiple calls to reach actual customer service. Problem was resolved after 4 calls to reach and agent and over 30 minutes on the phone.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Paid {$6000.00} to Exeter for interest and principal. Exeter paid the fees instead. In addition, th credit bureau is reporting XXXX + is still owed. 

XX/XX/2021 XX/XX/2021 Fee Payment Applied Undefined - Undefined - {$50.00} XX/XX/2021 XX/XX/2021 Fee Payment Applied Undefined - Undefined - {$390.00} XX/XX/2021 XX/XX/2021 Payment Applied Agent - ACH - {$2500.00} XXXX XX/XX/2021 XX/XX/2021 Payment Applied Agent - ACH - {$3000.00}
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX i tried to depost {$3000.00} into my Coinbase - XXXX account using Coinbase. They froze my account for no reason and then disabled buying options. I have emailed them multiple times no one responds. I call and no one ever answers. 

I have submitted multiple support tickets the last beingXX/XX/XXXX and todayXX/XX/XXXX Case ID : XXXX & XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Experian follow up on Close Dispute reference # XXXX Confirming to cfpb ( Consumer Financial Protection Burea ) on XX/XX/XXXX the Deletion of the Hard Inquiry done by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX ( XXXX ) XXXX.Done on XX/XX/XXXX.On my credit report. 

*** Based on the response provided to cfpb from Experian states and reads : The disputed inquiry that was found displayed on your Experian credit report are in the process of being Removed from your Experian credit report. We are in the process of mailing the result summary to you XXXX XXXX for review and confirmation. 

I XXXX XXXX have already reviewed confirmed, all information. Addressed it to All parties involved.I do not need to wait 15 days for mail to be deliver. 

I need to know Experian : 1 ) On What date? Is my credit report going to be updated with the Deletion of the Hard Inquiry in question above. 

2 ) When I'am going to be Confirmed and Notified after this changes have occurred? 

3 ) On What date are you going to credit my Experian Fico score? Due to the fact of this update being completed. 

***I do not want to wait 15 days for mail to be delivered to me.Just the same way you Experian contacted " cfpb " by email and Updated them about the Deletion of the item.You Experian can email me at : XXXX. Or call me at ( XXXX ) XXXX for verbal notification of updates, Ok to leave a voice mail confirming the action .You can also log into my credit report with Experian reference report number # XXXX. And update directly the Deletion of item and updates.It takes a couple of minutes.Not 15 to 60 days. 

Thank you, XXXX XXXX
Product: Debt collection

Correspondence was sent to company back in XX/XX/2022, they never provided any documentation about alleged debt, now they are reporting this on my credit report as late payments lowering my score and I have not received anything from them in months, not a bill, a letter, NOTHING.