23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I reported my card stolen to Synchrony Bank last year. Because I didn't have my card I could not access my account information. I repeatedly reached out to get information and have a new card sent. They claimed a card was sent out but I never received it and I mentioned this to them. I was unable to access my account. 

In addition, this company makes it purposely difficult to access their system. Even now, I just received my new card and I still can not access my information to even review. 

I contacted the company today and they say I need to call back tomorrow, which will be XXXX XXXX XXXX and I doubt that I will be able to reach anyone. 

There was a promotional balance that ended recently that allowed approximately {$6000.00} in interest to be debited to my account. Had I been able to access my account I would have seen that the promotion was getting ready to expire and pay it off before it happened. 

I don't think this is fair and I get the feeling that this is an intentional scheme. A while back I had another promotional balance that was nearing its end. I had automatic payments set up and I had it timed to pay off the balance the month that the balance was set to expire. I made an additional payment knowing that the automatic payment would pay off the entire balance before the promotion ended. Instead, this company cancelled the automatic payment that was set up and the {$200.00} in interest fees hit my account. I reached out to them and they said it was intentionally cancelled because I had already made a payment. They then proceeded to ask condescending questions like " why would I make a payment if I already had an automatic payment set up? ".
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against IC SYSTEM. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The  individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. RE : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject : ** Incomplete and Incorrect Information in My Equifax Credit Report Upon reviewing my Equifax credit report on the aforementioned date, I have identified several discrepancies and inaccuracies. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the following information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to the 15 USC 1681i 5 they are suppose to do this list ( 5 ) terminal of inaccurate or unverifiable information. ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a customer, 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 the results of 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. and according to 15 USC 1681s-2 they are suppose to nor 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 reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I, XXXX XXXX, am filing a complaint on Cash App who is defaming my reputation causing harm with slander that has caused emotional distress. I opened a checking account with Cash App XX/XX/XXXX. My Cash App account was always in good standing. My account was closed XX/XX/XXXX, by deactivating my account. I had direct deposit with my employer to Cash App and this caused me to not be able to retrieve my funds and accumulate multiple late fees with my bills as I had to change my banking information with my employer. The reason that I was given by Cash App was account history, transaction disputes, or other possible violations. Regarding this information, I have always brought in over {$5.00}, XXXX month from my employer, I have had three disputes in three years, which even with proof, Ive been denied, and I had no violations. I did not have overage on my account, my account was in good standing. I know this was retaliatory because I advised Cash App that I would be filing a complaint against them with the Consumer Finance Protection Bureau when they were messing up a lot of peoples accounts, including mine. Per the Federal Trade Commission, I would like the reasoning behind closing my account before seeking legal consultation for defamation and the stress from having to change banking information accruing late fees. I am requesting proof of what Cash App is claiming of me, yes this is me, the next step is an attorney for defamation!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a loyal customer of Navy Federal Credit Union, I've been with this company for almost 20 years. On the evening of XX/XX/2018 I received a call from a XXXX XXXX XXXX, XXXX. An agent says his name is XXXX XXXX Employee number : XXXX called me from a series of numbers, his first number was ( XXXX ) XXXX and ( XXXX  ) XXXX. That evening i gave the XXXX  technician authentication to upgrade my malware on my XXXX. I later discovered that he was able to get into my bank account and transferred a balance of {$10000.00} from my credit card. I later asked the bank how can someone be able to transfer that large of a sum without myself being called or my account being frozen. I spoke with a bank claims manager who was very disrespectful and condescending, I honestly don't feel safe with my money in their hands after this situation and quite frankly I don't know how can they allow this sort of cash advance without some sort of authentication? I asked to speak to numerous managers regarding my claim all trying to interrogate me like i'm a criminal or something. I've been banking with this bank for almost 2 decades, I have outstanding credit so this situation have been really disheartening that they are trying to disclaim my claim. They said that they do not cover hacks or identity fraud. Please can you investigate this bank, this could be an inside job. Navy Federal Credit Union is the bank I'm referring to. Thank you so much and looking forward to hearing from you.

XXXX XXXX, ( XXXX ) XXXX
Product: Debt or credit management

I paid {$50.00} a month to Lexington law firm in every month they claim they was taking something off my credit report and it actually stayed the same so I then contacted them asking them. Why do I still have the same stuff on my credit report after that I just dropped it.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX
Product: Credit card

I was offered the PNC Cashbuilder card in a local branch with 0 % interest for 12 months. It was discussed that it so-uld be a good tool to aid me in paying for my upcoming move. I signed up for the card and carried a balance each month. Each month I was not charged interest as expected. Until last month, where I was charged {$20.00} in interest. I contacted PNC and the placed my issue through their escalations department. They ( XXXX ) requested that I show them the paperwork I have. Upon looking at the summary I discovered that it appeared I had been deceived and that the 0 % interest applied only to balance transfers. I explained the issue and my dissatisfaction with being tricked after 8 years of being a customer. XXXX clearly had no concern, and told me there was nothing to be done. I asked if I could close the card, and she obliged and let me know if an {$18.00} credit that would remain and be mailed to me as a check. This credit was NOT a reimbursement of the interest charge, she told me they would not credit the wrongful interest charge. I requested the account closed. Immediately after returning home from work that day I dug deeper into my statements and discovered the lack of prior interest charges despite carrying a balance which suggests that it was a no interest card. I also discovered that I had not been credited the {$120.00} in rewards that I had submitted weeks prior to this event. I immediately called XXXX back and left a message asking her to call me. After not hearing from her that day I emailed her the following day along with XXXX more voicemails on her direct line. It seems I am being taken once again.
Product: Mortgage

COVID-19 has temporarily laid off my employment opportunity. I immediately contacted Select Portfolio Servicing that handles my mortgage and was told a deferment was set up at my request for 90 days. However, I constantly receive billings indicating I owe late fees and late payment! Where is this so-called COVID-19 help?! I complained to the SPS Ombudsman in writing but no answer. I struggled to enclose payment for XXXX. XXXX 's payment will come very late as I am trying to raise funds to cover it.Today is  XX/XX/2020, and not one word from SPS despite its letter dated XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 



I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX Delete account for failure to perform an investigation per fcra regulation XXXX XXXX Delete account for failure to perform an investigation per fcra regulation XXXX XXXX XXXX Delete account for failure to perform an investigation per fcra regulation XXXX XXXX  XXXX Delete account for failure to perform an investigation per fcra regulation XXXX  XXXX XXXX XXXX Delete account for failure to perform an investigation per fcra regulation * Please remove all non-account holding inquiries over 30 days old. 

* Please add a Promotional Suppression to my credit file.

also in accordance with the fair credit reporting act convergent the accounts listed above 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 : it also states a consumer reporting agency can not furnish a account without my written instructions. 



Thank You, XXXX XXXX
Product: Debt collection

PDQ SERVICES Are reporting inaccurate information on my credit report I am not familiar with this company dont have any debt with them I contacted this company and they would only transfer me to dead air calls or have me on hold and still not able to give me any explanation. 
They are reporting incorrectly on all three reports.
Product: Credit card or prepaid card

On my  Wells Fargo Visa card. I was charged a Minimum Interest Charge of {$1.00} on a balance of {$4.00}. That is an annual interest rate of over 250 %! This far exceeds the quoted interest rate on the card of 21.90 %. I believe that the company has made a false statement since their Interest Charge Calculation on the very same bill makes no mention of minimum interest charges. Please help stop this deceptive and unfair practice. There is no reason why a card should be permitted to have a minimum interest charge.
Product: Mortgage

I'll start off by saying that I already have an outstanding complaint in with the CFPB because Truist can not, for the life of themselves, simply take the money I put in escrow every month, then pay insurance companies correctly, and then acknowledge the live policy with XXXX page from my homeowners insurance that they have been provided. This has been an ongoing issue that has been completely maddening and has wasted a tremendous amount of my time. 

This issue though is not in regards to my homeowners insurance, but to my flood insurance. I am required to have flood insurance on my mortgage. I have coverage. Coverage has never lapsed. I have always had the amount of coverage the bank has requested. The flood insurance premiums have always been paid out from my escrow and Truist always gets a copy of the XXXX pages. 

And yet, today I got a letter stating that : " Our records show that your flood insurance does not provide sufficient coverage and we XXXX not have evidence that you have otained sufficient coverage ... '' It then goes on to tell me that they will place bank-forced insurance onto my account and charge me for that policy if I do not comply. 

Even if I did have " insufficient coverage '', then sending me a threatening letter without telling me what " sufficient coverage '' would actually be, is mind-blowing in its complete ineptitude. I know that the CFPB and various government regulations mandate that these sort of letters be sent out. I also have no doubt that no where in the regulations does it advise/insist that mortgage companies send out letters that inform customers of absent or insufficient insurance, but then advise the lender not to even inform the customer of what " sufficient coverage '' would even be! 

Regardless of all that though, I don't, and never have had " insufficient coverage ''. This was acknowledged on a phone call I made this afternoon, XXXX XX/XX/year> at XXXX. I spoke to a representative named XXXX who reviewed my account and acknowledged that I had flood insurance on both my main home structure as well as a separate policy on the guest house structure. XXXX also acknowledged that I not only had coverage, but that my coverage was " sufficient ''. 

She said she would put in a request internally for someone to fix the issue that triggered my getting these notices in the first place, but after having received so many of them, I do not have any faith that Truist can manage their own processes, and that I won't be sent another letter threatening to fine me for not paying for insurance that I already paid for, and that Truist simply can not record correctly in their own systems.
Product: Money transfer, virtual currency, or money service

Subject : Denial of Access to Cryptocurrency Funds and Lack of Transparency from Crypto.com Details of Issue : I am filing this complaint due to Crypto.coms denial of access to my cryptocurrency funds and lack of clarity on their fee structure, which has caused me significant financial harm. 

Account Access Issues : I have been repeatedly blocked from selling XXXX and XXXX to USD or transferring stablecoins off the platform. Attempts to withdraw XXXX have been consistently declined, and any workaround I attempt is blocked with unexplained errors. 

Despite multiple contacts with Crypto.com support, I was unable to obtain any clear explanation or solution over several hours of conversation, causing considerable frustration and concern for the safety of my funds. 

Unclear Fee Structure : Crypto.coms spread fees are excessively high, often ranging from XXXX XXXX per transaction, which was not transparent upon account opening. This has led to losses that undermine any short-term trading gains. 

Support Response and Escalation Issues : Crypto.com support has stalled by repeatedly asking for procedural information I had already provided. 
Despite requesting an escalation, I received no concrete update, only repetitive reassurances without actionable solutions. 
Crypto.coms support also misrepresented the timeline for resolution, leading to further delays. 

Summary of the Financial Impact : I am currently unable to access approximately {$840.00} USD in funds, which have been locked without a clear justification. 
I have lost funds due to hidden spread fees, compounded by the inability to withdraw my assets.
Product: Mortgage

NEXA mortgage, specifically XXXX XXXX. He wrote a preapproval on a scratch piece of paper. Stated an FHA loan could be approved while having a rental property, said a vehicle did not need to be paid off, ordered incorrect appraisal. Two days before we were supposed to close, called and said vehicle needed to be paid off. Paid off vehicle, next day received a call that the only way to move forward with loan was an extra XXXX. Reached out to realtor and her recommended lender, they did some digging and found that XXXX ordered the incorrect appraisal for an incorrect amount, home appraised for less due to this. Even with a rushed appraisal it took appraiser 4+ times to get the correct documents or any documents from XXXX XXXX seller was unwilling to go down to that appraised amount. The. Learned XXXX did not do any of the work we were told he had done. XXXX lied throughout the entire process and said we qualified for more than we did, days before closing he said theres no way to close this deal. Also had a gift be deposited directly in my account, instead of wiring the day of closing. XXXX is a liar and has refused to respond to correspondence. XXXX just sent me a credit denial when HE was the one that screwed up. This should have been a termination. Credit was adequate and everything on my end was correct. Out thousands dollars due to his incompetence and lack of involvement. Had to reach out daily to find out what was happening, and continued to be lied to. Ended up losing the house, time and money.
Product: Student loan

I started paying these loans back in XXXX. I wondered why I still owe almost {$2000.00}, when I only borrowed {$11000.00}. I pay $ 79 monthly. This loan was transferred to Naviet in XX/XX/XXXX. from XXXX XXXX with a {$10000.00}. balance, which I just found out by reading their web site. Interest rate is XXXX. I looked back some months it was high as {$25.00}. in interest and some months as low as {$6.00}. I really don't understand what they are doing, but extending my payments and stealing my money. I graduated college 21 years ago!
Product: Student loan

For the past 9 years, my ex-husband has been paying the private Navient student loans that my mom and myself co-signed for. At time of signing in XX/XX/XXXX, my mom and myself, as well as my ex-husband, were told that as soon as they receive 12 months of on-time payments, that we can simply fill out a co-signer release form and we ( the co-signers ) would be released from the loans. After years and years of consistant payments and turning in the co-signer release form, it was rejected by Navient ( Sallie Mae ). Most time we never received it in writing, only finding out when calling them to inquire ( which usually takes 30 minutes on the phone and being transferred to multiple Navient employees. They said that paying on time alone will not allow for release ... it is ultimately up to their discretion but we never received any details involved in their review process. Both loans have been in repayment for 9 years, with total payments made being more than what the original loan was for, but after all of that time and money paid, the loan balances remaining are higher than the loans original amounts. These will never get paid off ... these are predatory loans created with the intention of never being able to pay off with tons of fees. Well, my ex-husband and I divorced in XX/XX/XXXX, and he has stopped contact with me, my mom and with Navient. Now Navient is relentlessly calling my mom and me for payments. Is there anything I can do to help this situation? Anyone that I can speak to for advice? We should have been released as cosigners many years ago, and now that my ex-husband has abandoned payment, we are now being harrassed with Navient collection calls. Please provide me with direction and what my rights are! I have spreadsheets showing all payments, downloaded from Navient, showing these paid more than original loan amount, but the balance is still higher than the original loan amount.