23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Under the Federal Reporting Act, this creditor has violated my rights. 
Under 15 USC 1681 Section 602 states I have the right to privacy, on 15 USC 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
During the pandemic I XXXX XXXX XXXX and I made an arrangement with Bank of America, one month I was not able to pay and I called them to let them know about it, their representative told me that it was ok if i could not pay that month and that I could pay next month the same amount I always was paying ( they did not tell me that they accumulate the payments ) I never received information about this neither via email or mail and I knew about this matter after applying for a home loan and they told me about these late payments. 
Two weeks ago I called Bank of America to see if they could help me with this matter since it is affecting my credit and I told them that I didn't know that my payments were late ( They had known this situation since XXXX  ). They sent me a letter on XX/XX/XXXXXXXX  to let me know that they could not help with this.
Product: Credit card or prepaid card

On XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had {$25.00} in cash that the XXXX  had converted into a prepaid card ( without my permission ). Well I tried to direct deposit my balance to my CashApp account not knowing that cashapp has to have a direct deposit form filled out by the prepaid card provider, or maybe the XXXX? Either way I sent it and have not received my balance in cashapp and the prepaid card balance is empty {$0.00}. My question is, will i or can I get my {$25.00} back? 
Thank you for your time I hope we can get my issue resolved soon.
Product: Student loan

Navient place me in forbearance and wont allow any other options. I am still a XXXX student and have been in forbearance for a couple years. The interest is high and they wont work with me, and have said its my only option.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion : Multiple account with wrong information, Date of last payment false, Loan amount wrong, Balance on XXXX, Open dates wrong, close dates wrong. I have disputed this for over 2 years still no resolution. 

XXXX : Multiple account with wrong information, Date of last payment false, Loan amount wrong, Balance on XXXX, Open dates wrong, close dates wrong. I have disputed this for over 2 years still no resolution. 

XXXX : Multiple account with wrong information, Date of last payment false, Loan amount wrong, Balance on XXXX, Open dates wrong, close dates wrong. I have disputed this for over 2 years still no resolution. 

These student loans have been around since XX/XX/1998 and they continue to get updated with fake payments so the servicer keep them active.
Product: Checking or savings account

United Services Automobile Association ( USAA ) Federal Savings Bank debited my checking account twice for the same check number. I found the banks mistake quit by accident. when reviewing my monthly checking account statement i noticed the same check number processed twice for the same amount of money. The first time on XX/XX/XXXX for {$150.00} and second time on XX/XX/XXXX. I reported the banks error to them and they have since credited my account for their {$150.00} error. In conversation with the bank employees, they told me that this situation has been reported to them by other clients in the past. When asked if the bank every finds the mistakes, I was told NO, each time the client is the one who reports the error.
I asked how many times the mistake has been made in my account without me catching their mistake and I 'm out the money. They said there is not way of telling. They also told me that each month on my statement it says to review the statement and report any errors to the bank. That was the method the bank employee explained I should prevent this situation from occurring. I told them that a bank should have checks and balances that prevent this from ever happening. I do n't claim to know anything about the bank accounting best practices but I would think they have computer software that would prevent or alert them when this situation happens.
The USAA bank person gave me no assurance that it wo n't happen again.
After I reported their error, no bank person contacted me to say what caused the situation.
Product: Debt collection

I am receiving emails asking for over {$2000.00} to XXXX. 
I do have XXXX and my account is current, have had them for 33 years. 
I did report this to XXXX a few days ago. 
It's a True Accord account, number XXXX. I'm receiving emails from a XXXX XXXX. Address provided for TrueAccord is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And they indicate current creditors is XXXX XXXX XXXX. 

I do have credit monitoring, i do not know who these entities are and believe im being targeted for money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5400.00}
Product: Debt collection

Predatory loan was told it was once a month payment its by weekly.
Product: Payday loan, title loan, or personal loan

I paid my account in full before the court date hearing on XXXX XXXX th 2017 they charged me XXXX for the processing and other fees intop of my payoff when I told the company that I paid it off before court they said that I still had to pay it the company cursed at me and called me a snobby snot after asking for the supervisors number he would not let me speak and accused me of cursing when I did not I am very upset how they have treated me I need something done and help in what I need to do this loan company is XXXX XXXX
Product: Checking or savings account

I received 2 letters in the mail from Discover saying they received my application for a Discover Bank account, but they were unable to verify my information and the application was canceled as of the date of the XXXX XXXX XXXX. 

I called Discover ( XXXX ) to confirm this information. They advised that I report it to the Credit Bureau.
Product: Debt collection

I am an XXXX XXXX military member who has recently returned from living overseas for 4 years. As part of my new job and heightened security clearance, I had to submit to a credit review process. During this process, I learned that I supposedly owed approximately {$300.00} to XXXX XXXX. 

On XXXX I spoke with XXXX XXXX of Unifin IncXXXX She informed me that the charge was initially a XXXX XXXX bill that went into collection. I am adamant that I paid all charges to XXXX prior to departing overseas. It would not, however, surprise me if I was subjected to a predatory account cancellation charge ( this has happened to me twice previously with cell phone companies despite doing everything within my power to ensure that the account was closed properly prior to departing and informing them of the military clause for cancelling accounts ). I asked for an itemized list of charges and was told that these would be emailed. I left 2 voicemails for XXXX on XXXX and XXXX. 

On XXXX I called back and spoke to XXXX ( ext XXXX ). I was told that my request for an itemized list of charges was under " Manager Review '' at XXXX XXXX. I was told that there was no standard for review and to expect " a few weeks or a month '' for return notice. When I asked if there was a specific standard I was told that " this information is not important. '' I have since not been successful at having anyone at XXXX, XXXX, or any other third party collection agency describe to me the nature of my alleged debt. I feel I have no recourse ( other than paying a debt I don't believe is mine ) than to request your assistance. 

The claim number for this is # XXXX and the contact # I have for the company is XXXX. 

Thank you in advance for any assistance you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$49000.00}, and XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$74000.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$5200.00} ; XXXX XXXXXXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX : {$5100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$70000.00} XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX FS XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX. My SS # XXXX DOB XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX XXXX XXXX XXXX # XXXX account is reporting on XXXX, XXXX 30 DAYS LATEsince requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Product: Checking or savings account

I have a XXXX  XXXX  that buys and sells fresh produce through out the country. I am licensed by the USDA so I have prompt payment requirements. On XXXX XX/XX/2021 at XXXX I attempted to deposit a check for {$22000.00} in the lobby atm at the us bank branch at XXXX XXXX XXXX XXXX XXXX MO XXXX. I have been making these deposits every Friday morning in this same machine for several months.I entered my pin and followed the prompts then inserted my endorsed check. Then the word error came across the screen and a slip of paper came out stating an error has occured and I would have to call an 800 # then an investigation would be done. So I called the 800 # and the person told me that the bank would investigate and notify me by mail in 10 business days. I asked the people in the branch for guidance and they told me to call the 800 # because there was nothing they could do. I need this money to promptly pay for XXXX XXXX XXXX  from a California XXXX. I have to have a XXXX XXXX to do this kind of business and in having that license I agree to pay for fresh fruits and vegetables and the interstate transfer of said product in 10 days. The US Bank policy to remedy this machine error puts my lXXXX XXXX XXXX in jeopardy.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Here I attach, along with the dispute, my fraud report that I just sent to experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This address XXXX XXXX is listed on my credit report incorrectly four times. Ive contacted Experian to remove the addresses as they are reporting inaccurately and they have failed to remove them which is a violation of my consumer rights. Attached is a copy of the CORRECT address which shall not be included on my report as I have not lived there in the past two years and no accounts are associated with this address.
Product: Debt collection

I have never opened an account with XXXX XXXX. I have never done any kind of business with XXXX XXXX. I have no knowledge whatsoever of this debt. This is not my debt. I have never done business with XXXX.
Product: Consumer Loan

I purchased my car in XX/XX/XXXX and in XX/XX/XXXX went through a Chapter XXXX bankruptcy. I re-affirmed my car loan and have made every single payment not only on time but more then the minimum due. I have been a perfect Customer so when I went on line to make a payment and I could n't I contacted Hyundai Finance and was advised that they had blocked my on line access so I can no longer have auto pays or make one time payments on line. They stated that they did this b/c I had a discharged bankruptcy. Not only did I find that absolutely absurd seeing that this filing was almost XXXX years ago and they have accepted auto and online payments since then but then they also advised they terminated my online access at the end of last month with no notification. So my only option is to send in a payment ... who the heck does that anymore ... or to make one on the phone with the auto system for XXXX or with an agent for over 7 dollars. Seeing as my car payment is due today I had no other option then to do the auto over the phone option. The rude associate connected me to the auto line however it was for Kia. This is no way to treat a Customer who has made 100 % of their payments on time and more then the minimum due and on top of that to not send out any notification. I want my online access back!
Product: Debt collection

In    XXXX   XXXX   2017 ,   XXXX   XXXX   , a debt collection c ompany contacted me by mail stating that I owed a {$700.00} debt with  XXXX . This was not my debt, but an ex spouse. Convergent failed to verify address and account information and reported negatively against me. I retained legal representation but the company has failed to respond.
Product: Debt collection

Quantum Collections  threatened me and called numerous times over a debt I proved to be fraudulent by supporting documentation of a police report and a statement from the dmv that I never owned or registered the vehicle that the t truck company they said they represent placed on my credit and when they were forced to remove it from XXXX they threatened me they would continually report it to all agencies to mess my credit up the agents name was Ms XXXX so right after XXXX removal the next day they placed it on my equifax report
Product: Credit card or prepaid card

Because of the Covid pandemic I got behind on my monthly payments. Prior to the Pandemic I had a perfect payment history. I was enrolled in a payment program for Chase Bank. I was told that after making XXXX payments of {$310.00} that my account would be back in good standing and could be reinstated. I made the XXXX payments and brought my account into good standing and received a letter from Chase stating that my account was back in good standing. 

My account has not been reinstated nor was I notified of such. I reached out to Chase cusomter service to correct the issue. I spoke with XXXX ( ID # XXXX ) on XXXX and was told a supervisor would call me back. XXXX ( # XXXX ) called me on XXXX and told me she would review the case and get back to me on XXXX. No one called me back. 

On XXXX I called to make my monthly payment of {$220.00} and to inquire on reistating my account. I spoke with XXXX and he referred my to XXXX  ( # XXXX ). He sent me to XXXX ( # XXXX ). XXXX told me that someone did try to call me back although I never receive any voice messages He also stated that there was no record of anyone telling me that my account would not be reinstated. So I am filing this complaint to implore Chase to do the right thing. I have done everything they asked in good faith, now I accept the same in return.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my consumer report and saw an account that was not authorized by me. I contacted all 3 major credit bureaus via certified mail. On XX/XX/XXXX I sent a letter asking the bureau 's to provide proof of debt for XXXX Funding Account number:XXXX according to 15 U.S.C. 1681i ( a ) I sent certified mail tracking number XXXX I received certified receipt it was received on XX/XX/XXXX from XXXX, I sent Experian certified mail tracking number XXXX I received return receipt on XX/XX/XXXX, ( I enclosed proof. ) The credit bureau did not respond within 30 days which is failure to comply with federal regulations by credit reporting agencies is in violation of the Fair Credit Reporting Act, and may be investigated by the FTC. It has been over 30 days since. This is damaging. I DEMAND THIS ACCOUNT BE DELETED IMMEDIATELY
Product: Debt collection

XXXX XXXX is saying I owe {$430.00} but the paper they sent me as their proof clearly say the individual was a female on the paper and the address said somewhere I never lived and I will attach the proof and my ID showing and saying Im a male with my proper address I been living for the last 11 years.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts 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 Unauthorized Inquiry 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 of 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

And unauthorized credit file report sent to XXXX XXXX XXXX released by Trans Union on XX/XX/2021. I did not recognize nor authorize this inquiry about my credit score or file, since this inquiry may negatively impact my overall score I am concerned about its appearance in my file. I do not have nor ever had an account through XXXX XXXX XXXX. I realize that any bank may make an inquiry by law but they need a legitimate reason to do so and as a consumer I need to be informed of what that reason is and this did not happen in this case.
Product: Credit reporting or other personal consumer reports

To whom it may concern on XXXX XXXX, I sent a certified letter to wellsfargo asking wellsfargo to send me validation of debt owe to their bank in the amount of {$19000.00} and the wet ink signatures of me and wellsfargo to validate the debt owed. After careful review of the contract they sent me, I find not only any wet signatures binding the contract is that I have no contract with wellsfargo. They sent me a application I filed out for a auto loan the application is not with wellsfargo nor has wellsfargo name on the application. I have no contract between myself and wellsfargo directly. I paid wellsfargo {$1000.00} From XX/XX/XXXX until XX/XX/XXXX. After reviewing the contract wellsfargo name is not on the contract nor application they sent me. They could not provide me with a contract with them that I signed. So I do not owe them this debt and I would like this debt removed from my credit report and payments made to them refunded to me.
Product: Credit card

I purchased XXXX on XXXX that were for parts and made an offer on the machines with the malfunctions described by the seller. I expected full disclosure but when I received the units they were broken in very different ways than described. In fact they are a collection of broken parts and are missing parts that specifically were supposed to be there. I tried to communicate with the seller but received no answer, the seller instead calling XXXX and escalating the case. On his doing so I got an email and a few min later I got an email that the case was decided against me. XXXX never even asked for my input. I called XXXX and appealed their decision. The man on the phone asked me if I had to open the devices to learn of this deception, I said yes and he then told me that the case appeal was not found in my favor as opening the devices was against the rules and could not be returned after this point. The units did not even have screws in the bottom plates. They are parts and the parts that the seller said were good are not. They are missing components. I sent pictures to prove this and they told me it only proved that I had disassembled the units. So I appealed to XXXX the administrator of my XXXX extra rewards XXXX by calling the number on the website and filing for a resolution there. They rubber stamped the XXXX decision and ruled against me. I then tried the issuer of the card Synchrony bank, They told me I have no rights related to this issue as the seller was to far away and I already settled the debt as to not incur any additional fees.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. 
Account number XXXX Opened XXXX {$270.00} XXXX XXXX Account number XXXX Opened XXXX {$2000.00} XXXXXXXX XXXX XXXX Account number XXXX Opened XXXX {$630.00} This account does not belong to me. i have no knowledge of this account. 15 USC 1681b Please remove these accounts of of my report