23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

A user named XXXX XXXX, XXXX named, had a posting on ebay for a motherboard and XXXX Rampage XXXX motherboard. He said he could be reached by email XXXX. I talked with this person about him sending a motherboard after purchase. He promised to send me one after I paid in full. I did 5-6 installed payments of XXXX, XXXX, XXXX, XXXX, and XXXX. I paid my last payment of XXXX dollars to him on paypal XX/XX/2020. Instead of sending the motherboard, he said to me he changed his mind and that he was not going to send me one and ghosted me. This guy is a fraudster, paypal let me know to report to FTC and CFPB about this person who frauds people promising stuff. He even had fake reviews which most were not true. This is a warning to those to stay clear of this guy.
Product: Student loan

My grandmother took the loan out with me I was not of legal age. In the middle my grandmother passed. My mother tried to pay the loan but they would not speak to her. Now I am having some mental issues that they were supposed to email me papers they have not and call my mom 7-10 times a day. And they are killing my credit score
Product: Student loan

I have been attempting to pay down my student loans for the past 17 years and have repeatedly had payments in excess of the minimum due either misapplied or not applied at all. For example, a payment on XX/XX/XXXX was lost, after the check was included in a separate envelope attached to my letter asking for the overpayment amount to be applied to the principal balance on my account without advancing the due date. Additionally, I have twice been charged late fees in spite of never having missed a due date. Late fees were charged to my account on XX/XX/XXXX and again on XX/XX/XXXX, in spite of no gaps in my payment history. 

Only after very carefully reviewing my account, did I discover in late XX/XX/XXXX that Navient was not applying overpayment amounts correctly. Routinely, in spite of providing two separate letters to Navient with clear instructions, Navient would apply overpayment amounts by advancing the due date. This obviously allows Navient to collect interest on a higher principal balance. This issue was addressed through numerous phone calls and eventually the payments were correctly applied. However, the issue continues. On XX/XX/XXXX, Navient again applied an overpayment incorrectly, again with clear instructions on how to apply the payment correctly. 

Unfortunately, I do not have time each month to spend days working to ensure that my payment is applied correctly. I have regrettably resorted, recently, to paying the minimum amount due, so as to avoid the numerous hours and trouble that almost certainly ensues when I attempt to pay toward the principal balance. I would guess that this is precisely what Navient would hope for when making it difficult to pay down student loans. Again, it is not a minor inconvenience ; these practices are a very real impediment to paying off my student loans.
Product: Credit reporting or other personal consumer reports

This account is fraudulent and does not belong to me, this debt is unable to be validated. 

I have never had a XXXX account. According to 15 USC 1692 ( G ) This needs to be removed immediately or I will take legal action. 

JEFFERSON CAPITAL SYSTEM Reported : XXXX. XXXX, XXXX + {$2000.00} Opened XXXX XXXX, XXXX ( XXXX XXXX  ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX  Closed No Info
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX I had opened up an account with Ally Bank. I had a savings account and a checking account I opened the accounts last year in XXXX. They sent me a promotion offer in XXXX to open an Investment account and keep it for 3 months with reoccurring deposits and I would be given {$100.00} for the promo. I opened the investment account and kept it for 3 months and I put {$260.00} of my own money from my Ally savings or checking into it. They did credit me the {$100.00} as promised in the promo. So now there is {$360.00} in there. 

Well today I tried to transfer the money from the investment account that I never invested in anything and is just sitting there ( I opened the account solely for the promo ) into my Ally savings account and it wouldn't let me and said to give them a call. 

I gave them a call and I said I wanted to cancel my account and they first said they would send a code to my phone but then said they couldn't and then wanted me to verify another way even though it was just an internal transfer to my own banking account. They said they would be asking me multiple choice questions of what was publicly available information that they would be asking me. I asked how this would protect my account then if it was public. They took me through a whole series of questions which were not even normal credit type questions about area codes I have never lived in associated with phone numbers and zip codes I have never had and leases I have never had on cars. Also what other last names I have been associated with besides my own and the answer was always none of the above. 

When they were finished they said I didn't pass the multiple choice test and that I couldn't access my money to transfer it to their own bank accounts and that I couldn't close my account either. 

I only wanted to transfer my money to an internal account or close my account if they wouldn't let me and they won't let me do either. 

I also tried to get them to send me a check in the mail through the online option and that too was refused and I was told to call them. 

The will not send me my money, close the account, or transfer it to an existing Ally account which is an internal transfer. 

They refuse to tell me what other ways I can close the account and will not XXXX me access to the money. I have no way to get that money out and they refuse to let me take the money or close the account. 

I want to file a complaint.
Product: Credit card

I disputed a charge. They issued a credit. In the mean time the vendor also issued a credit. I only applied the credit the vendor issued. I did not apply the credit the credit card issued to any balance. When they resolved the dispute they came back and insisted I owed them the amount of the credit. I contacted them via phone and attempted to resolve the situation. An hour and 4 or 5 constomer service representitives later and no resolution. I have called a number of times since then and the same pattern, you'll need to talk to this person, on and on. The answer is aways the same, we can't do that you'll have to talk to this person. No one has the authority to resolve. I have even offered the to pay the amount of the credit that I don't believe I owe bvut to no avail. I deal with a number of credit card companies, XXXX XXXX and XXXX XXXX XXXX for example, and when I have a problem issues get resolved quickly and professionally. Dealing with Capital One is like dealing with the XXXX. They seem to be more interested in retribution then resolution. And asking the to restore my credit report is a whole other song and dance about what they can't do. Shameful behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, & XXXX is reporting inaccurate information on my consumer report WITHOUT permissible purpose and is causing damages to my report and my character. Fifteen United States Code 1681 A Rules of construction paragraph 2 titled exclusions states that transactions do not report to the consumer report and late payments are forms of transactions so this means that if a late payment is reported to my consumer report its a direct violation of the Fair Credit Reporting Act resulting up to XXXX $ per violation. 

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

my issue is with Paypal. This issue started way before the incoherent & incompetent Corona Virus response. 
I have repeatedly followed Paypal 's instruction regarding banking information but it does not work. 
I can not remove a bank I do not want to use. I can not identify who paypal is requesting money for. Just a bunch of numbers and letter from the bank and Zero identifier from Paypal. Paypal will not accept any cancellation of these charges nor identify the source of the money request so I can cancel things directly. At this point I just want to no longer have a paypal account at all and no. Paypal will not allow me to cancel my membership either. 
All I want at this point is to Not be a Paypal customer but no. That is not permitted. I can not reach paypal by phone due to Corona Virus. 
Since this is a computer issue it is likely only a human being can fix this but no humans are available.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX XXXX XXXXXXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items of which only XXXX are required per the law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Product: Credit reporting or other personal consumer reports

Had numerous inquiries on report from XX/XX/XXXX to XX/XX/XXXX. That I did not authorize. XXXX inquiries
Product: Mortgage

I started a Short sale with Mr Cooper in XX/XX/2020, I have had emails from bank asking me for additional docs that I have provided consistently. I continually get this from the assigned negotiator. ( Hello, Thanks for the document. We have submitted the given documents for underwriting review. I will keep you updated throughout the process ) now I get a letter in the mail stating that I have been denied because of lack of documents sent in but I WAS TOLD EVERYTHING WAS IN. I called in and the bank doesn't even show that I am trying to do a short sale and the only thing they can do is give me an email for XXXX I have sent 3 emails and the bank customer service said they sent emails with me and they also tell me that I will have a response within 24 hrs. Which is a lie. Now I am told that they have shipped out all short sales to XXXX and they have no phone number to reach anyone. What do I do ... I am so frustrated that this is going to go to Foreclosure because the Bank was irresponsible in doing anything to help me try to do the right thing
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes with the transunion and XXXX  about a student loan that is on my credit report that is the result of identity theft and/or fraud and it has not been removed. I recently filed a complaint with the FTC on XX/XX/XXXX, and followed the directions in the recovery plan and they have exceeded the 4 days they are given to remove fraudulent items that can not be verified. I contacted XXXX and Transunion by phone on XX/XX/XXXX and on the same day I sent them a dispute letter that I found on the ftc website advising them of my rights under section 605 of the frca, along with a copy of the ftc report and my drivers license. 

XXXX Account dated : XX/XX/XXXX. amount {$10000.00} Note : All my student loans from when I was in school ( XXXX ) were discharged, but this one was not included because it is not mine! 

I also reached out to XXXX and after speaking with a customer service rep and a supervisor they could not give me any information on this account or where it originated. I filed a complaint with the consumer advocacy group at XXXX to have the account removed.
Product: Debt collection

On X/XX/2017 Portfolio Recovery Services signed for a certified letter ( see attached ) that I sent requesting " validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' I have yet to receive any evidence showing that the debit is valid and belongs to me. <P/>They did mark my credit report with a status of " disputed ''.
Product: Credit card or prepaid card

This is regarding two dispute with Citicard ( XXXX, XXXX ). 

The two disputes are two card swipes ( about 10 minutes apart ) for the same intended purchase of one XXXX, at XXXX store in XXXX XXXX, NY ( store phone number is XXXX ), therefore each is {$730.00}. 

On last XXXX Friday, XX/XX/2018, I went to a XXXX store to purchase an XXXX. At checkout time, XXXX hand-hold order entry system froze after credit card swipe. Then the clerk restarted it and retyped my information and I swiped card again, and it froze again. After the 3rd or 4th try, store clerk was informed by their headquarter people about the technical difficulties, and said everyone have to pay by check from now on. I decided not to buy the phone. XXXX order entry system did not record this sale, in each case the system has never reached the step of asking my signature, and I did not receive any phone. 

I called Citicard customer service right away in the store, asking what will happen on the multiple attempted transactions on the XXXX system, because I did received text messages asking to authorize the transaction two times during this process. I was told " Don't worry, the card transactions will not fulfill unless XXXX confirm later. Since XXXX side failed, the confirmation will never come. So you are fine. '' However, two transaction amounts did show up in my next billing statement. 

After received the statement, I opened dispute with Citicard in XXXX. I also requested XXXX to open a case to investigate. XXXX spent many hours to check their system and accounting records, they did not find any transaction records for my intended purchase, and did not find any records of receiving money transfers from Citicard on my account. 

Since XXXX, we have been calling in Citicard Customer Services many times to ask for to resolve the issue. For six months, Citicard opened and closed the cases and changed stories many times. Citicard has never make a phone call to XXXX to find out, Citicard customer service even refuse to answer a phone call from XXXX store manager who want to help. 

As of today, Citicard has given me full credit for case XXXX, but refuse to solve the other one ( XXXX ), on the ground that their case handler did not file paper work on time so it is too late. In stead, I was given a {$200.00} credit for being a good customer for 23 years. I have called two times to make it clear that I refuse the {$200.00} credit for the 2nd case. Citicard is still using the delay tactics after more than half a year. 

Our complainant is this : Citicard refuse to do real investigation to find what happened in our cases. They made up stories on how they do investigations. Why? because we know it is a fact Citicard did not transfer money to XXXX, both transactions have never even reached the stage of asking for my signature! The ground they have given to refuse to solve the 2nd case is false. They are lying. They are trying to delay this forever.
Product: Student loan

I applied for the REPAYE plan in XXXX of XXXX. I was informed by Navient that my school had not updated my status in regards to my graduation in the end of XXXX. I called my school XXXX university and the problem was rectified and was informed by navient that my loans would be consolidated and after that my REPAYE plan would be processed. After this I did not receive any notification from them regarding my repayment plan until today XX/XX/XXXX. I was informed via phone call that my payments were delinquent. After I informed them that this was incorrect as I am currently a XXXX  XXXX, I was informed that my REPAYE plan was never processed and they told me that I never uploaded proof of income, which is false. As a student that year I was not working and after speaking with their representative at the end of XXXX of XXXX I was told to upload my proof of income, with my last job being in XXXX and I uploaded my pay stub to their website. After speaking with a representative today they sent a notification to my previous address, that I did not live at anymore and then was informed that they sent me a letter in XXXX of XXXX to my new address regarding this information that I did not receive. I was never called or emailed ( my preffered method of contact which I choose on their website ) and now I am stuck paying roughly {$7000.00} in intrest on loans that I would not have paid if my REPAYE plan had been processed. Again I uploaded this information in XXXX of XXXX and called again at the end of XXXX to confirm all my documentation was correct and I was told everything was correct and my documentation would be processed after my loans were consolidated. Not only was I deliberately misguided by Navients representatives they according to them only attempted to notify me once about this issue 4 and a half months ago.
Product: Credit reporting or other personal consumer reports

I have applied for a mortgage loan and XXXX has failed to produce the credit report stating that they can't verify me. I have uploaded my Social Security Card and driver 's license to the portal along with a selfie and still can't be verified. I also mailed it in and have no other way to prove it. They keep saying the system could've put an automatic block on my account.
Product: Credit card or prepaid card

This complaint involves Chase 's handling of fraudulent credit card charges on a credit card I have with them. 

On XX/XX/XXXX at XXXX XXXX Chase alerted me by text that a payment to a local XXXX store of {$240.00} was declined and asked me to confirm if it was legitimate. As I was at home and asleep this charge was certainly fraudulent, and when I woke up at XXXX I confirmed that the charge was not legitimate by text and had my card shut down. I am the only person in my household and the card was still in my physical possession so I'm guessing my number was stolen from a swipe transaction I had made at a gas station late the previous week. 

A number of other charges at the same store and in the same time period ( the morning of XX/XX/XXXX ) also appeared on my card before I had shut it down and were not declined by Chase. These totaled {$480.00}. I called Chase on the XXXX and pointed out that these other charges from the same circumstances were fraudulent. The representative on the phone said I did not need to file a police report and they would handle the problem. 

Chase investigated and stated that these other transactions from the same store and time were made by me. Shortly afterwards on XX/XX/XXXX I sent an email to Chase 's fraud recovery team disputing this and asking for more information about the charges to aid in filing a complete police report. Though Chase called me to discuss this they provided little to no extra details about the circumstances of these charges. In a letter dated XX/XX/XXXX Chase stated that the charges were valid, again providing no details or reasoning on why these other charges were valid while the first was fraudulent. 
At this point it doesn't seem like I have much recourse to get my money back. I have had this account with Chase for years in good standing and never had a problem with credit card fraud, so to see this handling of the one time I have a problem is very concerning. I have spent a significant amount of time and effort trying to make this right.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Debt collection

I have sent Prestige Financial Services an Affidavit of Truth in XXXX regarding the statements that they have been sending me in the mail with the coupon attached. This lead me to actually understand what a bond and instrument really is. Which I found the legal definitions in XXXX XXXX XXXX XXXX edition to be exact. This affidavit of truth has went unrebutted. I requested that they respond back to me via notarized mail only which is how I communicated with them. Yet they continue to send me the alleged statements in the mail and text my phone. I gave them 10 days in the letter to respond back which they did not. I then sent them over an Affidavit of Default stating that they have committed trust fraud through this TRUST transaction and that I am the living woman/soul of this alleged debt that they are stating that I owe. To settle this debt I then sent them a 1099A indorsed by me ( the beneficiary ), along with that I provided them with instructions on how to use the 1099OID,1040V, and1096. I have waited over 30 days for a response and still have not been successful with remedy. I took it upon myself to call and speak with someone. I spoke with XXXX who is the alleged supervisor over the account. I was asked why I " thought that they property was " abandoned ''. From my knowledge according to XXXX XXXX XXXX abandon mean to relinquish or give up with intent of never again resuming or claiming ones rights or interest. I questioned him about the alleged " loan '' ( which I could not seem to find in the legal dictionary ) that was said to have been given to me because I did not recall any alleged funds being placed in my hand nor account. I have been mislead with them attempting to use the words " loan, contract, and retail installment sales contract '' to confuse me. He stated that the funds was transferred over to the dealership ( XXXX XXXX ). I stated to him that the transferring of funds was never disclosed to me which violates Truth In Lending Act. I requested the 1099OID and an on/off ledger balance and was told that they can not provide me with this. They have failed to report the taxes on their " income '' that they have received. They have been compensated from the TRUST account also while receiving funds that I have sent through my checking account meaning they have been double paid. I also requested EVERYTHING in the file that they have with en legis name on it assumed to be me the living woman/soul. I have also sent XXXX XXXX the same notices which have went unrebutted. This has lead me to believe that that XXXX fraud has been committed and they have failed to withhold their fiduciary obligation unto me ( the living soul/woman ). They have willingly and knowingly failed to disclose unto me that any alleged funds were transferred over to the dealership. They have led me to believe that I owe such said amount on a vehicle that I am not sure if the dealership added on any additional fees. Which from my understanding the HJR192 autographed by President Roosevelt in 1933 clearly states that every obligation is to be discharged and backed by the United States.