23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have disputed it a few times through the credit bureaus. I have sent letters to the collection agency reporting a collection on my credit report that they have to show the accuracy of their documents but no such thing was given. It is the law under FCRA to do so and yet they will not. I have not a single blemish on my credit report besides this collection company. When I called and spoke to a supervisor he told me to call an attorney. The " collection '' is a college class that i paid off. The college told me that it wasnt in collections but when I paid them it turns out they reported it that way.
Product: Mortgage

I have asked multiple times for an explanation of " corporate advances '' on my account with XXXX XXXX XXXX. We filed for a Chapter XXXX bankruptcy in XX/XX/XXXX when my husband lost his XXXX job due to a store closing and was unable to find work at the XXXX  level again - resulting in a loss of about 60 % of his pay. After this we received no further statements of any activity on our account beyond the annual XXXX required by the IRS. We modified our loan thru HAMP during our bankruptcy when my husband was diagosed with XXXX. I have never been given any information on where the amounts on the two notes was calculated despite asking. 
When the account servicer for XXXX - XXXX was was changed to XXXX, I was shocked to see over {$4000.00} in " corporate advances '' on the history of the account. I asked XXXX for an explantation/history of these amounts and was told the former service company- XXXX would have to explain these as they only had the basic information. I have asked XXXX repeatedly for this information. I have contacted XXXX XXXX XXXX directly for this information and have had no response. I have gone so far as to email the CEO of XXXX - no response. This year - I received the XXXX statement from XXXX for XX/XX/XXXX - they are reporting no MPI on my loan for the entire time they have had my loan, but my record of payments show monthly payments being made. All I am seeking is an honest answer on all my questions regarding these questions.
Product: Consumer Loan

I file a complaint with CFPB earlier ( Case # XXXX ) regarding Key Bank reporting on my credit reports account that they did not have. When First Niagara was bought out, my credit products went to XXXX. On XXXX.
Product: Debt collection

This was an attempt to collect a debt for services that were never rendered. I was sitting in a dentist chair, had already been given anesthesia, and was asked to sign forms which I later found contained plans for work to be performed at future dates. I paid for the worked performed on the day I was there but was very unhappy with it so I never returned. When I began to receive bills for the anticipated work which was never performed I refused to pay. It would be like getting a bill from an auto mechanic for work he thinks he needs to do. The debt was turned over to collections so I paid it to avoid further damage to my credit. My credit report reflects the debt was satisfied but disputed, but remains on the report just the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Ive recently purchased a XXXX XXXX XXXX from a small car lot called XXXX   XXXX  in XXXX XX/XX/XXXX. My finance company which is XXXX XXXX   financed me for a little over 15,000 $ for my car. I only purchased the vehicle because I was trying to start building my credit to buy a home next year. Ive been making my payment ON time since I have had the car. But received nothing but poor customer service and attitude. I was recently hurt on the job XX/XX/XXXX and was out of work for 4 months. Still making every payment on time all to find out that XX/XX/XXXX was the LAST time they reported my payments to the Credit bureau Transunion. My payment is due twice a month with the amount of XXXX. $ bi weekly. I noticed my credit score didnt really go up and I also have 2 credit cards that I pay on time every month. So this last time I made my payment last Wednesday I asked the agent who took the payment how come my credit score hasnt went up from making my payments on time she then expressed to me that their system has been down since XX/XX/XXXX. I was disappointed because Ive been working so hard to build my credit all for them to not be reporting and didnt even reach out to customers to let them know whats going on. They was trying to be sneaky and got very hostile when I told her I would have to report this to the credit company and another 3rd party to get this resolved. The agent couldnt tell me an exact date on when their System would be back running. Once I contacted Transunion they expressed to me that no credit report was given to them since XXXX of XXXX this is very unacceptable and I would like to take further action. This finance company doesnt even allow you to make late payments or your car wont start and they will repo it. So for their policy to be so Strick they should be on top of things and follow the rules and regulations as well! I will never recommend anybody to finance with this company XXXX XXXX they are a rip off and have high interest fees and very very unprofessional and on top of that they dont even offer gap insurance which is a very significant perk to purchasing a car. Its very important but that goes to show you how cheap they are.
Product: Credit card

My XXXX statement for my XXXX account shows the remaining balance of {$520.00} as of XX/XX/XXXX. On XX/XX/XXXX, I submitted payment in full ( {$520.00} ) leaving the balance of XXXX. However, in my XXXX statement I now owe and additional {$9.00}, which is due XX/XX/2024. How do I have an additional balance when the balance is paid in full? I don't feel this is correct and I should not have to pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a collection account on my XXXX  credit report that does not belong to me. The account name and/or collection agency is I C System Inc. The original creditor is XXXX XXXX account # XXXX. Date opened XX/XX/2021. The collection shows {$310.00} past due as of XX/XX/2021. I have never had an account with XXXX XXXX so I immediately contacted XXXX in an attempt to correct the error directly. XXXX was unable to locate an account for me as I am not a customer. I filed a dispute with XXXX  on XX/XX/2021. I received communication from XXXX  on XX/XX/2021 advising my dispute had been completed. Unfortunately, XXXX  did not remove the collection from my credit report. I then contacted the collection agency, I C System Inc., on XX/XX/2021, to try and get additional information as they are the agency that reported the collection. I C System was also unable to locate me as a customer in their system. The representative searched for me by name, address/state, and social security number ; however, she could not locate a collection and stated it was clear there was an error in reporting. She advised me to contact XXXX  again about the issue. I spoke with a representative at XXXX  on XX/XX/2021. I went through the entire process again, and advised neither the original creditor nor the collections agency is able to locate me as a customer. He stated I needed to file a complaint with the Consumer Protection Bureau which is where I am now. I would like to have this issue resolved as soon as possible as it is negatively affecting my credit score. I do not have alot of information about the actual account and/or collection as I have never had an account with XXXX XXXX. Please contact me if you need additional information.
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( XXXX XXXX XXXX XXXX ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Product: Checking or savings account

I attempted to make a purchase at XXXX with my Citi Bank debit card, with sufficient funds in the account to cover the transaction. The transaction was declined for no clear reason. I called Citi Bank, and provided my full name, bank account number, debit card number, social security number, the exact amount of the purchase and the vendor information, and participated in two separate phone verifications for which my phone carrier charges a $ XXXX fee. I was on the phone for over an hour, during which time several Citi employees told me that they " fixed the problem '' when they didn't. I was ultimately hung up on by a supervisor, despite the fact that at no point did I raise my voice or use foul language. My entire purpose of calling was to determine why I was not being allowed access to my funds via my debit card and how I could resolve the issue, they refused to give me an answer and just said that " they would look into the matter '' with no further details, which I found to be dismissive and unhelpful. This unforeseen banking issue, of no fault of my own, has cost me to lose {$300.00} as I was unable to complete my transaction during the labor day sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX Credit Bureaus after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were erroneous Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, and XXXX, and hoping that these accounts will be corrected. 


XXXX XXXX XXXX Balance {$47000.00} XXXX XXXX XXXXXXXX XXXX Balance {$18000.00} XXXX XXXX  XXXX XXXX Balance {$9400.00} XXXX XXXX XXXX Balance {$400.00}
Product: Credit reporting or other personal consumer reports

I was a victim of fraud/a job Phishing email I got via my university email. the scammer convinced me I was employed and that I should send out donations and later be reimbursed in the form of fraudulent forged checks ( total of 6 checks I deposited across all 3 accounts ) that I placed into three of my Capital One accounts. all of these bank accounts were then closed and capital one ended their business relationship with me and one out of three of these bank accounts had been overdrawn into a negative balance because I had sent out my money for one of the donations and then I deposited the {$950.00} check just for it to be reversed days later I immediately paid this negative balance to bring my account back to XXXX dollars. Capital One has been communicating with me the remaining funds in my account and is in the process of mailing me my money in the form of check as of XX/XX/year>. Capital One reached out to me and let me know that they are reopening their business relationship with me and that I'm allowed to open up bank accounts with them again. I am very grateful that Capital One has changed their mind as I have been banking with Capital One since I was XXXX XXXX XXXX and the mistake I made came out of a police of innocence. Very happy about this decision. I decided to go straight ahead and open up a savings account again this went through successful however the checking account was denied because of early warning services who reported to Capital One that my deposit score is XXXX and that it is a higher risk score. capital one informs me that these are the major factors impacting my score the number of accounts in a hybrid status the time since the accounts last went into high status, the number of different banks inquiring during the last two years, and that the consumer currently has no accounts in open and in present status. I asked Capital One if this situation I've been and will have negative consequences financially and they stated no as long as I paid the overdraft amount. I'm only XXXX XXXX XXXX and I'm unable to open a checking account, because XXXX XXXX XXXX is keeping a bad record of me when I have already resolved the situations with Capital One and it was truly an innocent mistake that I will never make again because I know how to navigate fraudulent checks now and job fishing emails that can get to me via my university email.
Product: Student loan

i was attending the lab XXXX XXXX XXXX XXXX in XXXX nj XX/XX/XXXX i technically graduated and finished my hours but i was told the school only has one graduation in XXXX of every year where we get our paper work of our hours however this certain year after contact the school leaving vm nobody ever got back to me ... the school closed for bankruptcy XX/XX/XXXX i never got my papers the state broad for three years i called and kept talking to the same lady who told me to contact other XXXX XXXX locations ( XXXX XXXX XXXX XXXX ) & XXXX XXXX school in XXXX regarding my hours so that i could complete the test! i never received my papers. i refuse to have to pay on a loan that i can not even use. this was my third time attending a hair school and to finally have completed the course and not been able to take the exam after being there for almost 3 years was extremely heart breaking. please assist me
Product: Mortgage

On XX/XX/XXXX I made a payment to Selene Finance ( XXXX ) from my business checking account for a mortgage payment of {$1500.00}. 
I have been in contact with the company since Thursday XX/XX/XXXX. I have made several calls requesting a receipt of payment. 
My last call was with a XXXX XXXX on XX/XX/XXXX he made it evidently clear to me that while he acknowledged the payment was made and recorded he can not provide me with any receipt or proof payment. He told me that there was nothing more that he can do. 
As a consumer, I should have received a receipt of payment and it should be an easy process to provide a record of payment when requested. 
I notified the company that I would contact federal regulators and initiate a compliant. 
I will drop the complaint when I receive the aforementioned receipt of payment.
Product: Debt collection

Please stop calling and email me has no idea what this is. Remove my name from the list move the information from the credit bureau thank you
Product: Checking or savings account

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my record with chexsystem within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed checking accounts to be blocked and deleted with company information chexsystem. Please delete the following checking accounts. XXXX XXXX XXXX {$1000.00} Acct # XXXX XXXX XXXX XXXX {$49.00} Acct # XXXX XXXX XXXX Bank {$170.00} Acct # XXXX
Product: Checking or savings account

This has been a consistent problem XXXX checking account where fees are being charged regardless of the chronological order of transactions or the balance. I called a representative of the bank and inquired today about what charge caused the NSF fee and she said she did not know when I asked how could that be? the response was " You were charged an NSF fee with a chuckle " even though I asked for an accounting of my account. I feel powerless and like I am being profiled. Please look into this I work very hard for my money and this is ridiculous. 

XXXX XXXX XXXX  - XXXX transactions PreAuthorization XXXX  XXXX XXXX  Transaction in Process ( Pending ) {$8.00} XXXX Check Hold ( Pending ) {$75.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX - {$25.00} XX/XX/XXXX {$83.00} Transfer fee - {$5.00} XX/XX/XXXX {$100.00} From XXXX  XXXX {$16.00} XX/XX/XXXX {$110.00} NSF ACH Not Paid XXXX - {$32.00} XX/XX/XXXX {$96.00} Acorns Invest ID XXXX XXXX XXXX XXXX XXXX XXXX NAME : XXXX XXXX- {$100.00} XX/XX/XXXX {$120.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$19.00} XX/XX/XXXX {$220.00} # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX {$240.00} XXXX XXXX XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX - {$6.00} XX/XX/XXXX {$140.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute a while back ( XX/XX/XXXX ), and another one before that ( XX/XX/XXXX ), regarding a hard enquiry ( XXXX XXXX ), that was place don my CR and I did not authorize a credit application to be submitted in my name with XXXX XXXX. I filed a complaint with XXXX XXXX, and with Equifax, and with CFPB, and nothing has been done to have the unauthorized enquiry removed from my credit report. I received a letter to date, dated XX/XX/XXXX, from Equifax showing no changes were made ( no explanation given ), and I received a letter from XXXX XXXX Dated XX/XX/XXXX stating that Equifax had been requested to remove the enquiry from my report, by the creditor, and that it would take 4-6 weeks to do so, but Equifax has not removed the enquiry, and XXXX XXXX states in the letter that it does not control the conduct of the credit bureau in removal of the enquiry, so apparently it is Equifax not removing it. I want it removed as it has lowered my credit score and will be on the credit report until XXXX of XX/XX/XXXXif it is n't removed. I have included a letter from XXXX XXXX, as well as an updated letter from Equifax that shows nothing has been done in accordance with XXXX XXXX request to remove unauthorized hard enquiry from my credit report, as it has lowered my FICO score as a result. Why do I have to continually ask that my request be honored? I have been trying to get Equifax to remove the item in questions for some time now. I 'm fixing to file suit in Federal court against all those responsible for not doing what is suppose to be done regarding this issue.
Product: Credit reporting or other personal consumer reports

I want to remove the following accounts from my credit report because they are not mine. 

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. 

Account name : XXXXXXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX Card Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX Account XXXX : XXXX Account name : 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: Credit card or prepaid card

I have disputed fraudulent charges with US Bank multiple times for the past several years. I have never disputed the validity of the credit card, only the charges on the credit card. Every response, they claim that the card is valid - which it is - and refuse to investigate the charges I have indicated which were fraudulent. Fraud is proven on multiple occurrences by the issuance of a new card with a new number. 

Each time I have requested copies of all my statements yet they continue to refuse to send me the requested statements. To attempt to satisfy the request, they sent some statements but did NOT send the statements I requested. 

In addition, US Bank has blocked my access to the account online and access to statements so that I am not able to review or continue to dispute individual fraudulent charges. 

Blocking access to my credit card purchase history is in strict violation of multiple federal statutes and regardless of complaints, US Bank still refuses to provide the requested statements or access to my account history.
Product: Checking or savings account

I never received a Formal Notice of TERMINATION/SUSPENSION OF MY DEBIT CARD. My access/use of my Debit Cards has been terminated for 1 year. This action was taken for ALLEGEDLY filing too many disputes. All of the disputes that I have filed have been justified due to unauthorized charges to my debit cards. 

If I had not filed the disputes, then the unauthorized charges would have been allowed and I would have lost money that I never agreed to or authorized WHAT DOES NAVY FEDERAL CREDIT UNION EXPECT ME TO DO WHEN UNAUTHORIZED CHARGES ARE PLACED AGAINST MY DEBIT CARD THAT EITHER I WAS NOT AWARE OF OR I DID NOT AUTHORIZE!!!!
Product: Credit reporting or other personal consumer reports

The following inquiries are unauthorized. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I checked my credit report and noticed that I have a new credit inquiry from XXXX as of XX/XX/XXXX. I have been a customer of XXXX since XX/XX/XXXX. I did not authorize an inquiry and I suspect attempted ID theft.