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. Act : XXXXXXXX XXXX XXXX Name : XXXXXXXX XXXX XXXX Name : XXXX XXXX XXXX Act Name : XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of inquiries below has violated my federally protected consumer rights. Inquiry : XXXX, Inquiries : XXXX, XXXX XXXX, Inquiry : 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years
Product: Credit card or prepaid card

I have an Apple Card by Goldman Sachs. There is 0 % installment advertised everywhere if an apple device is bought. I bought an IPhone and told the person at apple that would be an installment plan. He said fine and I used applecard to pay. I was ok to purchase the device because this was going to be paid over 24 months with 0 % interest. But then I realized the full amount on the credit card was withdrawn as payment from my checking account. The bank account was about to be overdrawn. I called, messaged several times and spent hours on this issue, escalated to the supervisors but they researched the issue for 15 days and came back with an answer that they did not do any wrong and money was not returned. More interestingly they opened an installment plan. I am not sure what will happen next. Will they charge for the installments every month. They never get this. This is the worst credit card company I ever dealt with. Never trust Apple card or Apple services.
Product: Credit card or prepaid card

I, as well as my neighbors, have had multiple credit cards stolen from the mail. 

Most credit card companies, upon being notified, have immediately canceled the card and refunded the fraudulent charges. 

Bank of America, on the other hand, has refused to cancel the charges, claiming since the card was physically present, I am responsible. 

My Bank of America credit card had never been used in the previous 5 years, and yet, upon being used for a number of charges, no fraud alert or notification was sent to me. I personally noticed the charges when I was billed, and immediately notified Bank of America. 

During Bank of America 's investigation they noticed there was another phone number on my account, but they could not identify where that phone number came from. Was it used to activate the stolen card, or did someone else have access to my account? The only thing they claimed was since the card was physically present ( obviously, since it was stolen ), I was liable for those charges, which was a total of {$53.00}. 

As far as I can tell, Bank of America is unable to adequately protect its clients accounts and also unable to adequately investigate fraudulent charges. I have since closed my account, but am looking to get those fraudulent charges dismissed. 

My credit report shows that I normally have thousands of dollars of revolving debt every month, all of which is paid on time. However, I refuse to pay even {$50.00} for charges I did not make.
Product: Debt collection

This is the 2nd company, that has tried to collect Money from me on the same bill. Both time it has appeared on my credit file. And it is not mines not accurate personal info which I've told all three XXXX, XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I was looking to move to XXXX XXXX for my graduate program and found an ad on XXXX  that seemed legit. I submitted an email application and was told the remaining documents would be mailed. This started Sunday, XXXX XXXX when I received a response back. On Monday, XX/XX/2021 I was called and asked if I was ready to accept this housing opportunity. I had mentioned I was waiting on other responses from other locations and pressured me to give a response. I was asked to send money through XXXX to email XXXX who has a bank account with Chase because it went through. I did not realize it was a scam until this weekend and when I was demanding a refund Friday, XX/XX/2021, The XXXX person was becoming hesitant and trying to make me pity him because his attorney had found someone else who would pay a larger sum of rent in advance. I was calling him out and unfortunately, I had already lost a large sum of money equaling to {$2900.00}.
Product: Credit card or prepaid card

Did you certified to the bureaus that the account XXXX was reporting accurately before XX/XX/20? XXXX or no? Because you reported false information to the bureaus about me and therefore you must delete account XXXX I supplied you factual information and proved you wrong therefore you will have to remove this account from all bureaus you will not go in and add information that was provided to you. Due to the fact thats what you guys do dont verify anything so no you will remove this account immediately no ands buts.
Product: Bank account or service

On XXXX XXXX my husbands ATM card was stolen. We immediately went to our bank and the bank manager looked up our account, we found that someone had put charges on that card in the sum of {$520.00}, we only had {$650.00} in the bank ( our social security check ). We therefore had no money to live on ... .no gas money, grocery money or medial expense money, I am XXXX and this was an extreme stress for us. We went into the bank everyday asking when we will be reimbursed for this money and promised a different day each time. We talked with the fraud department several times at no avail. We need our money and the other concern is that our other s.s. check is coming this Wednesday and we are afraid that the bank will deduct that money from our new check. Even though the amount was XXXX, with all the Over Draft fees we now have a negative of over XXXX.
Product: Mortgage

On XX/XX/XXXX XXXX complaint to CFPB in reference to Selene Finance my Mortgage Servicer, XX/XX/XXXX I complaint again to CFPB, Selene Finance unfair practice. CFPB has all of my complaints that are now closed with the XXXX. I have not been offered a program I can afford to pay Please see my letter to XXXX dated XX/XX/XXXX of all issues, improper handling of my loan modification process. The month I had trouble to pay my mortgage was the month of XX/XX/XXXX, when I asked for assistance my loan monthly payment was {$1700.00}, due to their negligence the amount I owe has escalated to an unreasonable amount. Thank you XXXX XXXX XXXX
Product: Vehicle loan or lease

CHALLENGE FINANCIAL SERVICES - XXXX, CA CAR LOAN HAS BEEN INAPPROPRIATELY CONFIGURED AFTER WE RETURNED A VEHICLE AND RECEIVED OUR CURRENT VEHICLE. IN XXXX I RECEIVED TAGS FOR THE VEHICLE THAT WE RETURNED. WHEN I QUESTIONED THE COMPANY ABOUT PROVIDING ME INFORMATION FOR RELEASING THAT VEHICLE THINGS THEN TOOK A TURN FOR THE WORST. 

ON XX/XX/XXXX I REQUESTED A SUMMARY STATEMENT FOR MY ACCOUNT AND THEY HAVE REFUSED TO PROVIDE ME THIS INFORMATION. I OFFERED A FAX NUMBER AND AN EMAIL. THEY DEMAND I CALL THE OFFICE. I DID AND THEY WILL ONLY POST MAIL IT TO ME. 

ON XX/XX/XXXX OUR VEHICLE WAS REPOSSESSED FROM OUR DRIVEWAY. THE DRIVER APPROACHED US AND STATED THAT IF WE DID NOT GIVE HIM THE KEYS HE HAD OUR CAR EITHER WAY. 

TODAY ON XX/XX/XXXX WHEN I CALLED TO TELL THEM THAT I HAD UNTIL THE XXXX TO MAKE PAYMENT ( WHICH I BELIEVE I AM CURRENT ON ALL PAYMENTS FOR THIS VEHICLE ) THEY STATED ON THE PHONE THAT I SHOULD HAVE NOT THREATENED TO GET AN ATTORNEY AND STATED TO GET MY VEHICLE BACK I WOULD HAVE TO PAY {$2100.00}. 

I DO NOT HAVE THE MONEY FOR AN ATTORNEY AND THE 24 % INTEREST CHARGE THAT I AM PAYING FOR THE VEHICLE SEEMS TO BE HIGH FOR US TO ACTUALLY MAKE HEADWAY ON THE PRINCIPLE. I HAVE REQUESTED AN AMORTIZATION TABLE TO SEE HOW MUCH HAS ACTUALLY BEEN PAID ON THE VEHICLE AND THIS HAS ALSO BEEN DECLINED. 

SO NOW I AM OUT OF A VEHICLE AND MY MONEY DOWN. THIS LEAVES ME NO OTHER CHOICE BUT TO APPEAL TO YOUR BUREAU FOR COMPLIANCE OF UNFAIR BUSINESS PRACTICE AND LENDING LAWS. 



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

The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on some items are DELETED from other bureaus and I have doubts about their accuracy and they are a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the late payments showing on my account for PREFERRED CREDIT INC which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 U.S. Code 1681 section 602 ( a ) ( 4 ) states, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. 
There is no contract between Cavalry Portfolio Services LLC also known as CAVALRY SPV I , LLC and myself ( name as listed within the attached OPT OUT letter ), nor is there any contract novation in place between the original creditor XXXX, XXXX, third party Cavalry Portfolio Services LLC and myself ( name as listed within the attached OPT OUT letter ) ; therefore I have no obligation with this non-affiliated third party Cavalry Portfolio Services LLC.

Per 15 U.S. Code 6802 section b ( 2 ) states, This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information. Cavalry Portfolio Services LLC has not provided a contract with the original creditor stating they are contractually obligated to collect on the original debt on behalf of the original creditor.

15 U.S. Code 1681:604 section a ( 2 ) states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' I invoke my right to opt out at any time of my non -public personally identifiable financial information as defined in 15 U.S. Code 6809 4 ( a ) from being reported on and to credit reporting agencies from the third party Cavalry Portfolio Services LLC . 
Cavalry Portfolio Services LLC and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX and Cavalry Portfolio Services LLC whether it is verbal, non-verbal, written, implied or otherwise is revoked. As the consumer per 12 CFR 1016.7 ( g-i1 ) which states that, A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. This opt out shall be in effect for any past present and future endeavors of, between and through Cavalry Portfolio Services LLC, XXXX, XXXX and XXXX pertaining to me ( name as listed within the attached OPT OUT letter ) and any variations of the name.
Product: Student loan

I have a student loan with Navient, I have had repeated struggles finding a repayment plan that is in the range I can pay. They either want {$400.00} a month or want me to " just pay the intrest ''. I have tried repeatedly to set up payment plans and they keep telling me I have only a few options. I am on an income based plan now but for the last 2 years I got NO notice that the plan was up, then I got SO many fees when I did n't even get notified the plan was up. They then put the loan into forbearance until the new paperwork could be processed all while tacking on MORE interest on top! The original loan was for {$26000.00} and I have paid about {$39000.00} over 20 years and I STILL owe {$22000.00}. THIS IS NOT FAIR! I NEED HELP WITH THESE PEOPLE AT NAVIENT!!!
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 Account Name : XXXX XXXX XXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX # XXXX XXXX Account Name : XXXX XXXX # XXXX XXXX Account Name : XXXX # XXXX, Account Name : XXXX XXXX  XXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXXXXXX 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 reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crime 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: Money transfer, virtual currency, or money service

I found checks being deposited or cashed somewhere written to my and I did not cash them I don't know where when or if they we're cashed but my I'd was also stolen
Product: Debt collection

Yes I have 7 emergency room visits because I did not no that I had XXXX  XXXX  XXXX. All 7 was picked up by ars account resolution company. This is destroying my credit. I had insurance for all 7 of these bills. Please have the company bill my insurance sooner care. XXXX  bless and thank you XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX Attn : Customer Service Department XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXXXXXX XXXX XXXX XXXX  Attn : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX Subject : Dispute of Inaccurate Debt Reporting, Cease Collection Attempts, and Request for Full Accounting Dear Sir/Madam, I am writing to dispute the inaccurate debt reporting on my credit report, which originated from billing errors on behalf of XXXX XXXXXXXX and was subsequently sold to Resurgent Financial. The debt in question was charged off by XXXX XXXX before resolving the billing errors, and XXXX XXXX purchased the debt without properly verifying its validity. 

It has been confirmed by XXXX XXXX that this debt is inaccurate, yet it continues to negatively impact my credit standing. I demand immediate removal of this account from my credit report due to the lack of proper verification. Additionally, I request that all collection attempts be ceased, including furnishing erroneous information regarding this debt. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute inaccurate information on my credit report and request verification of the debt. This debt has been proven to be fraudulent and should not be reported on my credit file. 

Furthermore, I request a full accounting of the sale of this alleged bad debt, including all relevant documentation and information related to the transaction. I expect this information to be provided to me within 30 days of the date of this letter. 

Failure to comply with these requests may result in legal action being taken to protect my rights under the FCRA and FDCPA. I urge both XXXX XXXX and XXXX XXXX to resolve this matter promptly and in accordance with the law. 

I request written confirmation of the removal of this inaccurate debt from my credit report, cessation of all collection attempts, and the provision of a full accounting of the debt sale within the specified timeframe. 

Thank you for your attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX WITHOUT RECOURSE UCC 1-308
Product: Payday loan, title loan, or personal loan

So I hope this is the correct form. 
I tried this. It now pay later thing. ( Quadpay ) aka zip pay. You pay in 4 installments. These people are thieves. They charged my card for an item that was not delivered. I complained to the bank and they disputed the item. 
The card for the second installment was turned off as I had the bank replace it. Rather then them call me and ask whats going on, they fraudulently charged one of my other cards on file without my authorization. This is stealing. I dont understand how they can just do this. You ask not assume. Ive disputed the item again with the bank as its fraud. 

I just want people to be aware of things like this. This is completely unfair.
Product: Debt collection

I filed a complaint against this company and they took a long time to respond. Their respond was false information. I received multiple calls from them saying I owe debt. I sent a debt validation letter for them to provide to me with the following : what the money they say I owe them is for, explain and show me how they calculated the money they say I owe, provide with a copy of any documents I agree to say I was going to pay whatever is owe, provide me with any copy of judgment if applicable, prove the statue of limitations not expired for the account, show me that you license to collect in my state, provide me with your license numbers or register agent or agent of service. If this cant be provided I want the 2 out of 3 false reporting collections removed immediately from my credit report. One has already been removed. I had multiple missed calls and voicemails offering discounts on a debt that hasnt been validated. They are violating laws and this is identity fraud and a police report has been made regarding this issue.
Product: Consumer Loan

I had an arrangement made with my finance company before my due day I have been getting calls every single day representatives have been calling me disclosing information without confirming who they 're speaking with ask to speak with supervisor supervisor called me a liar stated will be calling my human resources manager at my job I did n't ask to speak to a different supervisor to have my complain to listen to representative who I called stated I called a different branch and there was no supervisors available I ask to be transferred he denied due to does n't know XXXX supervisor will beavailable that they are the boss of him and he does n't know their time frame
Product: Checking or savings account

I had multiple accounts with Navy Federal, and they have restricted access to all of them. They also transferred XXXX XXXX {$4000.00} from XXXX account to an entirely different accountone that isnt even linkedto pay a debt, without my authorization. On top of that, they are still holding money in my accounts and refusing to release it. This action seems highly unethical and should be illegal. XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Dates and Responses : XX/XX/XXXXXXXX  - Bank is investigating the merchant, XXXX XXXX XXXX XXXX. 
XX/XX/XXXX- Bank is investigating the merchant, XXXX XXXX XXXX XXXX. 
XX/XX/XXXX- Bank is investigating the merchant, XXXX XXXX XXXX XXXX. 
XX/XX/XXXX- Bank is investigating the merchant, XXXX XXXX XXXX XXXX. 
XX/XX/XXXX- Bank is investigating the merchant, XXXX XXXX XXXX XXXX. 
XX/XX/XXXX- Bank is investigating the merchant, XXXX XXXX XXXX XXXX. Bank ( customer service ) could not give me any status of the loan as a result of investigation because the investigation involved banks. Informed to email customer service with my questions/concerns at XXXX ( email attached ). 

After receiving a loan with MomntXXXXXXXX XXXX to procure service from XXXX XXXX XXXX XXXX , the loan allowed for a specific number of treatments from XXXX XXXX XXXX XXXX ). The loan amount treatments were never ( 3 out of 12 ) delivered prior to the inability to access XXXX XXXX XXXX for the treatments ( letter on the door attached ). 

Upon inability to access XXXX XXXX XXXX for the services, I immediately reached out to the bank ( Momnt-XXXX XXXX  ) , via phone call to customer service ( XX/XX/XXXX ). I was then informed the bank launched an investigation into XXXX XXXX XXXX and that the bank would reach back out to me. I called the bank each month from XX/XX/XXXX to XX/XX/XXXX with the same response from them of " no update ''. Bank is still investigating. XX/XX/XXXX, as result of the interest free loan offer that expired the end of XXXX, and not being able to take advantage of it as a result the services I had not received and the current investigation, it prompted me to ask more specific questions related to promotion, status of the loan, the current investigation of XXXX XXXX XXXX, and how all this would affect what I had to pay. When those questions were asked, I was then informed that they could not release any information to me at all because the pending investigation involved banks, but at the same time advising me that I could submit my questions to the banks support team via email and that the bank would get back to me within two business days. As of the day of this complaint submission, the bank still has yet to respond to my email ( email attached ) or responded back to me in any way.