23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I moved out of my apartment at XXXX XXXX XXXX, XXXX, XXXX CA and into a new smaller unit on XX/XX/XXXX. I paid all my fees from my XXXX apartment after chasing down the leasing office staff to give me my move out cost on XX/XX/XXXX I finally received that total which was {$260.00}. I got a money order and paid this to the apartment in XXXX of XXXX. 

However on XX/XX/XXXX I received and email from Columbia Debt Recovery, Genesis stating that XXXX at the Bridge ( now run by the XXXX, my current apartment ) sent them a debt of {$260.00} ( the price plus interest ). I immediately forwarded this to my apartment complex who reported they were unsure why it was send to the debtor as they have me as paid in their system. They sent over proof of payment to me via email. 

I then called Genesis to dispute the claim on XX/XX/XXXX and provided email proof that it was paid. I was instructed to call back as my proof XXXX not be enough but they would submit it and see. I called back again on XX/XX/XXXX to find out there was no documentation in my account outlining the proof that was sent and had to resend the information of the paid debt again. I was instructed to call back to follow up again. I called back XXXX more times with the same issue until XXXX of XXXX where I got a ding to my credit for supposed unpaid debt. I then called and I spoke with a supervisor twice who stated that yes my debt appeared to be paid and that it would be settled and that it would not show on my credit. I called back again on XX/XX/XXXX as I did not trust they would follow though to find out that no it was not settled. I asked to talk with a supervisor who was not available an am waiting to have my umteenth conversation with them about something I paid over a year ago at this point. they are unorganized and dishonest and effecting my credit which in turn effects other part of my life. This is unethical and wrong adn they need to be held accountable. 

I have just about every conversation in writing and can provide those as well as proof that I paid my debts well before they were sent to collections.
Product: Checking or savings account

On Monday XX/XX/XXXX at approximately XXXX I requested a cashiers check in the amount of {$10000.00} from the Bank of America branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The check was intended to be sent another financial institution to a contact named XXXX XXXX, who is the Vice President, Branch Manager of XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX. This financial institution insisted I send a physical check to open a new checking account with them and did not allow Wire/ACH deposits to be sent to them when opening new accounts due to there own security measures recently set in place. 

This had led me to sending a standard stamped envelope addressed to XXXX XXXX in a mail collection box located at my girlfriend 's XXXX XXXX apartment building located at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. The mailing was dropped in the collection box about 45 mins after I had obtained it from the branch with no issue. 

Eventually I proceeded to follow up with XXXXXXXX XXXX as I did not hear back from them confirming they received the check, in which they had confirmed it was never retrieved on there end. I then called BoFa on XX/XX/XXXX who had informed that the check was cashed by an unintended party on Tuesday, XX/XX/XXXX. 

Since this date, I've been going back and forth to have my funds refunded to no avail. They have denied my claim multple times for frivilous reasons due to not have parts of there applicaiton completed. Examples that include not having a wet signature that they could've easily called me about to correct. This has now dragged out for over 3 months and now have no choice but to send a complaint here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in an approved disaster mortgage forbearance with XXXX ( XXXX XXXX XXXX ) due to Hurricane Harvey from XXXX. I paid off the entire amount in full prior to the deadline of the forbearance in XXXX. When I checked my three credit reports in XXXX of this year, I noticed that all three were showing that I had been more than 180 days late on that account in XX/XX/, which was incorrect as I have never been late at all. Since then, I have called and emailed XXXX numerous times, submitted multiple disputes through the credit bureaus, spoken to XXXX XXXX, and now you all. The past several XXXX supervisors have acknowledged their error and told me that they would fix the issue to show " no data '' for that time period, but it never gets fixed. I just received yet another email from Experian showing that the dispute has not changed anything yet again and it remains status quo. Their incorrect information is affecting my credit score negatively. Please help!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the reporting of the account referenced as XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Account Number XXXX XXXX, which appears on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I never provided written consent to XXXX XXXX XXXX XXXX XXXX XXXX  or any other party associated with this account to access or furnish my personal information to XXXX. 

This constitutes a violation of my rights under the FCRA, specifically under 15 U.S.C. 1681b ( a ) ( 2 ), which mandates that consumer reporting agencies may only furnish a consumer report when authorized by the consumer in writing.
Product: Checking or savings account

In the summer of XXXX, I closed a safe deposit box I had with Wells Fargo at their XXXX XXXX XXXX, MN branch. I returned the key to them and they assured me the box would be closed from my account. After noticing they had not closed the account and were continuing to charge me for the account, I took several steps with Wells Fargo to close the account : * I visited another branch of Wells Fargo XXXX XXXX, MN ) to close the account. They took my information and assured me it would be closed. 
* I called on XX/XX/XXXX and a customer service representative assured me it would be closed * I called again on XX/XX/XXXX and the customer service representative told me it could not be closed over the phone, and I would have to visit a branch. I told her that I had attempted to close the account at a branch on two separate occasions, yet she told me there was nothing she could do.

After four separate attempts at closing the account, I am concerned that Wells Fargo is fraudulently keeping my account open and is unwilling to close my account.
Product: Debt collection

We paid off on X/XX/15 through XXXX XXXX
Product: Credit card

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately :
Product: Student loan

I currently have {$130000.00} of student loan debt with Navient. I have been working with the company since graduating in XXXX when they were still XXXX. I have had numerous interactions with Navient in regards to my debt. 

XX/XX/XXXX : I started my graduate program and the I called the company to discuss options during my 2 year degree. I was lead to believe deferring the loans would be in my best interest not realizing or it being explained that accrued interest would continue to compile during this time. At that point my loans were just under {$100000.00}. 

XX/XX/XXXX : Soon after graduating in XX/XX/XXXX my new loan amount was just shy of {$140000.00}. I lost my job in XX/XX/XXXX and called Navient to help with alternative options for repayment during this process. I told them I did not want to go into foreberance and would still like to keep paying the loan as to not accrue interest as what happened during my graduate program. They instead told me my only option would be an interst only payment plan, which honestly did not lower the payment by so much but unsure how long I would be unemployed I went with the option. 

XX/XX/XXXX : I called Navient to remove me from the interst only payment plan. This was obviously not followed because XXXX I am still enrolled in interest only payments. I called Navient a total of 4 times about this issue. 

XX/XX/XXXX : I called Navient in regards to the Interest Rate Reduction program. After running my credit and getting my monthly expense and income they said I do not qualify because I can afford the payments. To pay over 10 % in interest with a good credit score just because you can pay it is ridiculous i explained to Navient. They said you can only qualify if you are in hardship. Yet this was not offered to me after losing my job back in XX/XX/XXXX. And now that i have above par credit with a good job they feel entitled to charge outrageous rates because they feel I can afford it. 

Navient is sorely about money and not about getting the consumer a fair deal and fighting chance to pay back their loans. Understood there should be compensation to the lender for giving me the opportunity to get an education, however ; the extent Navient goes to drain every dollar conceivable out of the consumer is unfair and should not be when all the consumer wants is an education. I understand CFPB is currently suing Navient for unfair practices and I hope that the successful win for the CFPB will lead to some compensation for the consumer for these unfair practices.
Product: Checking or savings account

Bank of America continues to deduct money for transactions already processed. When going over the statement it only shows the amount deducted once. In the app it shows the balance after said transactions, but when you go back in there is a lower balance with the same transaction history.
Product: Vehicle loan or lease

Hi I have a loan with bank of the west they reported me having late payments on my account which isnt true I have auto pay on my account and they have been taking it from my bank of the west account each month on the XXXX of the month since I opened the account I have never been late with this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an Affidavit of Truth and an Invoice to Credit Control LLC, here is the tracking # XXXX. I also sent an Affidavit and an Invoice to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They have not paid out the invoices and had the negative items deleted from my credit report. These companies have violated 15 USC 1692. ( C ) ( A ). 15 USC 1692K, 15 USC 1692. ( B ) ( 2 )., 15 USC 1692. ( B ) ( 5 )., 15 USC 1692 ( D ) ( 2 )., 15 USC 1692 G ( A ), 15 USC 1692 ( B ) ( 4 ), 15 USC 1692 C ( 1 ), 15 USC 1692 ( E ) ( 1 ), 15 USC 1692 ( F ) ( 8 ) ( 8 ) 15 USC 1692 ( D ) ( 5 ). Based on these laws I can collect these damgages15 USC 1692K. Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of, any actual damage sustained by such person as a result of such failure : in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.

Theses companies have reserves multiple invoices under the same tracking numbers.
Product: Debt collection

Fidelity National Collections repeatedly calls asking for {$120.00}? for a XXXX XXXX XXXX Doctors office visit that was cancelled ( By the XXXX office  ). So there was no visit missed. The XXXX office erroneously billed for this visit and I refused to pay for a visit that was cancelled by them. Now this collection co keeps calling. I have asked them to stop calling. They keep calling. Thanks for any help you can give. XXXX XXXX
Product: Checking or savings account

Im writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees Ive incurred despite having sufficient funds in my account when the transaction was authorized. I was charged fees due to lagging posting times for credits and charges. This aligns with the recent findings by CFPD findings against NFCU for similar practices were transactions were settled with insufficient funds while the funds being initially available. I believe that these practices are unfair and request an investigation into my account transactions. 
Thank you
Product: Checking or savings account

Hi CFPB Team, I got a letter today from Chase closing both my personal and business checking account along with the credit cards under it with no reason given. The note under my account simply pointed out it is their right to close my account just like I as a consumer can open/close an account at any given time. 

After escalating the issue within the Chase corporate team and staying on the phone for more than 1hr, I was told the decision is final and no appeal can be submitted. 

Personally, it baffles me to understand the reason behind this closure and every person I talked with Chase on the phone feels the same. But they can not help me further without any information and options given to them. Not even their supervisors can priovide any guidance. 

The accounts I have combined with over 500K in cash/brokerage and only {$7000.00} in credit card debt. On the business side, the account was opened back in 2017 with annual revenue of around 2 million. 

I can't help but feel like a certain discrimination is going on given the opacity and irreversibility of the decision without any chance of proving myself. 

As a Chase Private Client, I certainly expect more clarity especially when I am blacklisted to have any future relationship with Chase. 

Could anybody from the CFPB help me get to the bottom of this? 

Appreciate your help and have a great weekend.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX  XXXX  helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I shall begin by saying this is a cease and desist letter to the companies XXXX XXXX XXXX, XXXX, EQUIFAX, AND XXXX. I am seeking Monetary Relief because my rights under the FCRA have been violated by XXXX XXXX XXXX ( 15 U.S. Code 1681n - Civil liability for willful noncompliance ). This company has been reporting to all 3 credit bureaus that my account has been charged off however, they have been constantly harassing me via email to make a payment. Below I have attached proof of how the account is reporting on my credit report which is also accurate for the other bureaus and I've also attached proof of them emailing me today XX/XX/ saying that I owe a payment. I would like this account IMMEDIATELY deleted and removed from all 3 credit bureaus as this is a CLEAR violation of my rights. This corporation is trying to profit from the government as I assumed they filed a 1099C for this " debt '' and they are also trying to profit off of myself as a consumer since they are STILL asking me to make a payment. HORRIBLE HORRIBLE HORRIBLE and shame on them!!! I would also like to receive monetary relief from the 3 major credit bureaus as I have reported MULTIPLE times that this company has been violating my rights and all they have done was validate the account without any explanation as to HOW they validated it. I'm confused because I was under the impression that these credit bureaus have an obligation to the CONSUMER but it looks like they are working together with these major corporations to try and profit off of poor consumers as this account has cost me thousands of dollars in interest. I will take legal action if this account is not removed and deleted within 15 days off of all 3 of my credit reports as there is no excuse or explanation that can justify such violation!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below in my credit report : XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$990.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it.

XXXX XXXX Date of inquiryXXXX XXXX Date of inquiryXXXX XXXX XXXX Date of inquiryXXXX, XXXX XXXX Date of inquiryXXXX XXXX Date of inquiryXXXX XXXX XXXX XXXX  Date of inquiryXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We were applying for a mortgage and the financial lenders where not able to pull my report or credit score. I received a report with credit scores from all three agencies on XX/XX/XXXX but when the mortgage lenders tried to get my credit report nothing would show up. I have called XXXX, and trans union and they tell me everything is fine, but still not letting the lenders pull my report so I ca n't get a loan for any home, I tried to apply for a credit card and was turned down because no credit information was showing. I had a short sale of a home close just 5 years ago so I know I have credit history. Help! nobody will help me and I am being denied credit through no fault of my own.
Product: Student loan

I asked a year ago for NELNET INCORPORATED to provide a wet ink signature and proof of a signed contract.