23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I paid off both student loan accounts with Navient ( servicer ) in XX/XX/ by requesting a loan payoff amount directly through Navient 's website. In XX/XX/XXXX, I received a loan payoff confirmation letter, but it only confirmed that one of my accounts was paid off. ( See attached copy ). Then, mysteriously, my account reflected that I had a several XXXX dollar rebate credit, which would be sent to me. When I contacted Navient regarding the rebate, they acknowledged that it was in error and that my student loans were both paid off on full, and that no further payments were required. 

Then on XX/XX/XXXX, I received a statement from Navient stating that I had further payments due, and that I needed to pay {$49.00} in my next monthly installment, which would be due XX/XX/XXXX ( yes, XX/XX/XXXX, not XX/XX/XXXX or XX/XX/XXXX ). I then called Navient on XX/XX/XXXX, and spoke to Navient employee no. XXXX regarding various accounting discrepancies. She acknowledged that Navient was in error and that I would receive revised statements reflecting a zero balance. I requested a full accounting be provided from the beginning of the loan to the present, reflecting loan disbursement amounts as well as all payments applied to the loan. She said the accounting would be provided on XX/XX/XXXX. 

To date, I have not received the requested accounting from Navient. According to Navient 's online statements, I have calculated that I overpaid my loan accounts by somewhere between {$480.00} - approximately {$610.00}, but it is unclear from Navient 's records what the exact amount is. Receiving an accounting would help clarify what amount has been overpaid. 

I believe I am owed a significant overpayment check from Navient, but have not received the accounting I have asked for nor any over-payment check. I would like both of those as soon as possible, given my loan payoff in XX/XX/XXXX.
Product: Vehicle loan or lease

I am writing to dispute the auto loan account that has been charged off and sent to collections, which is currently being reported on my consumer reports by your company. I believe that your company has violated the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ) in regards to this account, and I request that you delete it from my consumer reports immediately. 
Firstly, I believe that your company has violated FCRA Section 623 ( 5 ) ( A ), which requires that a person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. I have not received any notification from your company regarding the date of first delinquency, as well as the FCRA compliance date, along with the name of the party who reported the date of first delinquency, which is required by law. 
Secondly, I believe that your company has violated 15 USC 1681 ( a ) ( 2 ) ( B ) of the FCRA, which excludes any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device from the definition of a consumer report. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This definition includes my social security card, drivers license/ID, and license plate which are/were used for the extension of credit. Therefore, your company 's reporting of this auto loan account is a violation of the FCRA. 
Lastly, I believe that your company has violated the GLBA by failing to provide me with proper notice and an opportunity to opt-out of the disclosure of my nonpublic personal information to nonaffiliated third parties. 
Specifically, GLBA Section 6802 ( a ) requires that a financial institution may not disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with Section 6803 of the Act. GLBA Section 6802 ( b ) ( 1 ) also requires that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. I have not received proper notice from your company nor have I been given an opportunity to opt-out of the disclosure of my nonpublic personal information.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer support and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App neglected to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, failing to comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Mortgage

Bayview loan service took over the servicing of loan number - For XXXX DATE XX/XX/XXXX. 
This company has missed manage this loan the the principal is constantly being manipulated.There seems to be some kind of fraud with the principal balance on the documents. 
When I called in and asked about the loan customer service told me that the loan was 13 months behind and i said how can that be when you have been getting the payments.She asked if i was in a loan modification i told her we were not in any loan modification. 
Then my wife called in on XX/XX/XXXX and customer service XXXX tells her that there is {$7800.00} in a suspense account she said to her why do they have it in there she said she would move it over and that it would take 24 hours to show up in the account. 
Then my wife called in on XX/XX/XXXX and XXXX said there is {$480.00} in the suspense account. 
The original loan amount -XX/XX/XXXX- {$81000.00} Loan amount on XX/XX/XXXX- {$89000.00} Loan amount on XX/XX/XXXX {$88000.00} Loan amount on XX/XX/XXXX {$88000.00} Loan amount on XX/XX/XXXX {$86000.00} On the XX/XX/XXXX to XX/XX/XXXX. The suspense account had {$1900.00} in it. 
They applied the money from the suspense account to the loan. 
The balance was brought to {$86000.00} date XX/XX/XXXX. 
I want to know why this account has so much inconsistency with it and what happened to the {$1900.00}. 
Now the balance is back to {$89000.00} after what looks like they did some type of reversely on this account. I have sent documents to show some of the inconsistency on this account. 
Deliberately creating a technical default or wrongfully declaring a default in order to generate fees and penalties.
Product: Credit card

I have been receiving emails from Chase Bank that I have been " requesting a new card '' as seen below. I have contacted Chase Bank and they say they have no record of any card application or card being applied to me. Nothing is showing on my credit report, but the emails are legitimately from Chase. I can not find if someone is really applying for credit cards under my name? 


Thanks for requesting a new credit card! 

We'll review your XXXX XXXX XXXX Credit Card application and be in touch soon. 

Thanks for requesting a new credit card! 

We'll review your Chase Sapphire XXXX XXXX application and be in touch soon.
Product: Vehicle loan or lease

Amid the coronavirus pandemic Ive tried reaching out to Capital one to discuss resources available if my income was affected. Ive been trying for a week to call them. Have waited on hold in excess of three and a half hours to speak to a representative ( proof attached ) with  no answer or when I've finally reached a rep to talk to the line will disconnect. I believe the phone system is being manipulated by Capital one in an effort not to help their clients in this crisis. The reason I feel this way is because I have requested in the past for assistance during hardship and they offered me a program to defer my credit card payments and reported them as late payments on my credit report in 2018, and remain there at present time. Another incident I've experienced with them is I applied for a car loan with them and within a 30 day window there is 4 hard inquires from the same company. Ive asked them for a letter of deletion that Ive yet to receive. Another complaint I have with them, they delay reporting accurate information to your credit report. My auto loan balance remained the same for two months even though I made my payments on time. One of my credit cards Ive had for 4 years, made every payment on time, and have only received one line increase on that card in four years even though numerous request have been processed. The other credit card and auto loan came after that card so my decline had nothing to do with credit worthiness, and Capital one reason why I didnt get the increase are lies. I'm so over them
Product: Checking or savings account

I had a XXXX charge hit my account from XXXX  XXXX sent email verifying they refunded the amount after 5 days, Bank of America dropped the charge from my account on XX/XX/XXXX, the charge was on XX/XX/XXXX and they never refunded my money. Same situation happen on XXXX in the amount of {$430.00}, I never got my refund. And lastly I never got my refund form a return for the amount of {$2100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX Balance : {$780.00} XXXX, XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Payday loan, title loan, or personal loan

I spent several weeks talking to XXXX XXXX, my loan finance officer at Bankers Healthcare Group ( BHG ), about a loan in the amount of {$850000.00}. After many discussions, he was finally able to come up with a loan terms that I was okay with, so on XX/XX/XXXX, I was asked to sign the loan documents. I was told that upon signing the documents that the loan would be funded in 72 hours. I did indeed sign the documents ; however, several days went by, and instead of being funded, I received a phone call from a lady that I had never spoken to, and she told me that they needed 1-2 weeks to fund the loan because they had to ensure that the property that they were holding as collateral had clear title. XXXX informed me that this call was a mistake and ensured me the loan would fund. After a week of XXXX ignoring phone calls, voicemails, text messages, and emails, he tells me that he has been out of the office due to personal issues, and that yes, the loan was pending title search. Since I had recently purchased the property via foreclosure, my foreclosure attorney was kind enough to not only email his title work to BHG, but also speak with XXXX on the phone on XX/XX/XXXX to let him know that the land had no liens against it other than the first lien, which I was going to use the proceeds of this loan to pay off. XXXX texted me on the evening of XX/XX/XXXX to tell me that the loan was finally clear to fund, and that I would receive my recorded phone call on Friday, XX/XX/XXXX. After that call, the loan would fund. It is now XX/XX/XXXX, and not only have I not heard one word about my loan, but once again XXXX is refusing to return my text messages or phone calls. The lien that I am paying off is a hard money note with interest of right at $ XXXX/day, so XXXX was well aware at the beginning of our talk that the loan needed to fund fast so that I could pay off the hard money loan. This delay of now 20 days has cost me thousands of dollars, and I am demanding an explanation because this is simply unacceptable!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. 
I want the CFPB to publish this.
Product: Credit reporting or other personal consumer reports

I am writing once again to dispute the accounts appearing on my credit report. As I mentioned previously, I have been a victim of identity theft, resulting in several fraudulent accounts being opened in my name without my knowledge. While the creditors have acknowledged these accounts as fraudulent and agreed to remove them from my credit report after I submitted the required FTC report, I have noticed that your bureau continues to report them, despite their approval. It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt or credit management

I paid Lexington Law to fix my credit and it never happened
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, CREDCO add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

I have sent several letters to your XXXX XXXX ( XXXX - XXXX XXXX ) ACCOUNT XXXX and Equifax company dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to request that these items be removed if not validated by the furnisher. Nothing has been done by the furnisher or credit bureaus neither have I received any correspondence from them. 

I also requested that these inquires are removed as according to the FCRA LAW, I did not give these companies permission to pull my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

On XX/XX/XXXX, XXXX someone stole my identity and opened a digital credit card with PayPal. Fraudulent charges totaling approx. {$40000.00} were applied to my XXXX credit card and were resolved about XXXX weeks ago. Also charges were attempted at XXXX Bank, but they were all denied. I have an email from XXXX dated XX/XX/XXXX which states that " {$6900.00} attempted transaction was more than the {$500.00} level set '' was denied ; and this charge was rightly denied. Both institutions issued new credit cards. 
However, on XX/XX/XXXX PayPal charged my new XXXX credit card the sum of {$6900.00} ( XXXX of the previous fraud charges ). This transaction was disputed and removed on XX/XX/XXXX, and I will be receiving another new credit card from XXXX. 
I filed an XXXX on XX/XX/XXXX, these charges were fraudulent and I am not responsible for these charges. 
PayPal initially when I disputed these fraud charges were very dismissive and I had to request that the digital credit card be closed. Apparently, the sum of {$6900.00} is still under review and PayPal is not allowing me to have this account terminated. They want me to upload my Passport and the last XXXX numbers of my social security are prominently visible after logging in. They also want me to upload the new bank/credit card numbers to XXXX me full access to this account that was compromised.
Product: Credit reporting

Equifax Credit Bureau not fully investigating the credit dispute regarding a XXXX XXXX XXXX account. It was returned verified which in fact is still incorrect with the other reporting credit bureaus. 

On Equifax Acct # XXXX status is open, but reports Date of Last Payment of XXXX XXXX, XXXX. On XXXX and XXXX, they both demonstrate the same account above as Closed Status, Collection and Charge off. XXXX reports Closed date of XXXX XXXX, XXXX, while reporting a Date of Last Payment of XXXX XXXX, XXXX with no payment history indicated.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash App. ( Block Inc. ) due to inadequate customer service and unfair practices which violate the consumer financial protection act of ( CFPA ) specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore. Their dispute resolution process was unfair and deceptive as they did not comply with errors resolution requirements under the electronic fund transfer act EFTA and regulations E these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, it's the 2nd time I submitted - as the original message was not properly submitted. 

Here are my details about credit reporting agencies : 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. 

Accounts : XXXX XXXX XXXX PL XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ============================== 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.

15 U.S. Code 1681 to ( 4 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account XXXX XXXX, MD Child Support Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX have 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. also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to a XXXX XXXX this morning in regards to a phone call I had received. 

XXXX XXXX was very pushy, persistent.and unprofessional. She spoke over me when I had questions and spoke very quickly discussing the account XXXX XXXX told me the reason for the call was for a balance I owe from a prior residence I was renting from. 
I explained I never received a final bill from the property manager, I never received a representation letter from this collection agency. XXXX XXXX demanded balance in full today to stop collection efforts. 
I told XXXX XXXX Im not paying on an out standing balance without a bill or letter of representation. XXXX XXXX stated thats fine, its on your credit report anyway. 
She gave me one other opinion to pay and that was 3 monthly payments that I can not obligate to at this time. 

Id like to know how this account can be reflected on my credit report without having a chance to dispute or receiving a bill on this matter. 

Instead, XXXX XXXX tried bulling me into paying on this account. 
I finally gave XXXX XXXX my attorneys contact information
Product: Checking or savings account

I was fraudulently charged by XXXX, XXXX transactions that I did not authorize, I lost XXXX as a result. My bank refused to charge it back
Product: Credit reporting, credit repair services, or other personal consumer reports

A consumer finance account XXXX  is wrongfully being reported on my Experian report. I have no knowledge of such an account and have disputed it with Experian yet they have refused to remove it. This is a fraudulent account and I want it removed!
Product: Debt collection

Allied Interstate, LLC has called my cell phone number ( XXXX ) repeatedly but leaving no message. Yesterday they called five ( 5 ) times and four ( 4 ) times today so far. Company is in violation of settlement entered on XX/XX/ 2018 in  California. The XXXX XXXX County District Office, which headed the lawsuit against this company, has been notified of the violations incurred by Allied Interstate, LLC. 

A call log is being maintained should the DA 's Office request it.