23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car in 2021 from Hyundai and too find out later I was basically scam by the dealership and was paying interest only on the car while my credit was XXXX and the con me and was also reporting to the credit bureau false information. Found out later on the news all the cars that were bought during that time was reported false information on people credit and also gave bad loans. So the car I bought was XXXX when it was supposed to be XXXX. On top of that due to the stress I had all the banks deny me from their in house lending to the point solicitors kept calling my phone and I ended up with another auto lending named auto approved and they basically find bank who can finance and take over the loan with a lower interest and rate and they screwed me over and bought the car but raised my payments from XXXX to XXXX and it kept switching and onto of that lied to me about refinancing saying I had to wait a year when it was not true and because of that Im in default and can recover financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested XXXX and Equifax to investigate XXXX accounts on my credit report because the balance is still not accurate. XXXX is reporting XXXX accounts with a balance of {$370.00}. I paid the accounts of completely so there shouldnt be a balance. XXXX and Equifax fails to update the accounts
Product: Debt collection

I hired XXXX XXXX XXXX to handle my debt that I have accumulated over the last 10 years. IQ Data International is one of the accounts they are working on to resolve for me. They continue to call even though I have followed my instructions to have them contact XXXX XXXX XXXX directly. They continue to say that XXXX XXXX XXXX wont work with them. Called again today and said that I'm not registered with XXXX XXXX XXXX and questioned if I'm even paying them. I have repeatedly asked them to not call me and to contact XXXX XXXX XXXX as instructed and they continue to call every 15 days. They have repeatedly threatened me and used vulgar language.
Product: Credit reporting or other personal consumer reports

Hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I dont recognize please remove from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX credit report is missing a credit card account. The credit card account is from XXXX XXXX XXXX XXXX and was opened on XX/XX/XXXX. It is an active, open, current account in good standing, and I have never been late with payments to this account. I am the authorized user on this account and have been using this Quicksilver Mastercard credit card throughout XX/XX/XXXX. It has a credit limit of {$7500.00}. The primary card holder is my girlfriend XXXX XXXX XXXX. I have notified XXXX XXXX in writing the full description of this account, and requested them to contact XXXX XXXX XXXX XXXX so that they can verify that it is a valid account and therefore, it should be listed on my XXXX XXXX credit report. I have also contacted XXXX XXXX XXXX XXXX to have them call XXXX XXXX and tell XXXX XXXX to start reporting this account on my credit report. Neither XXXX XXXX, nor XXXX XXXX XXXX  XXXX, have done anything to rectify this omission on my XXXX XXXX credit report.
Product: Credit card

Avant credit card company has been applying late fees of {$39.00} to my account two days after the due date!! I have called to ask if they could move the due date to the first of the month due to my XXXX check being deposited into my account and was blatantly told no. Then when I was speaking with the customer representative she refused to connect me to her superior and when she finally did, he did not attempt to help in any form or fashion and had me on hold for over an hour. I am a XXXX XXXX  veteran and this is XXXX  XXXX as to how Avant customer service is.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX INQUIRIES reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Debt collection

Scam email below : Policy XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX allow this communication to serve as notice that this firm has been retained by XXXX XXXX with respect to your above referenced delinquent account. 



As a final courtesy to you, prior to additional action being taken, we will hold your file in abeyance through XX/XX/2024 so that you may contact me to resolve this issue voluntarily. Absent your response, I will assume that there is no room for an amicable resolution and we will advise our client that further action may be appropriate. 

*If you would like to pay online, go to www.levitonlawfirm.com and click " Secure Payment '' tab ( top right corner ) and enter your CASE # XXXX  XXXXXXX  The Leviton Law Firm, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, DEPT OF ED/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
Product: Checking or savings account

I received a phone call today from the Chase Executive office, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ), informing me that my Chase relationship, including my personal business account and all my credit cards, has ended due to what he called potential excessive and illicit transactions. 

I have never made any illicit transactions. 

XXXX XXXX said the decision was final, no explanation was necessary, and there was no means of appealing. XXXX XXXX mentioned that the bank could do this because I signed a clause in the legal agreement upon opening my account with Chase. 

XXXX XXXX provided me with no other details. He said he didn't need to tell me the reason for the actions or their timing or whether this impacted my future banking relationships with Chase or other banks. 

He just said the bank can legally do this because I agreed to it when I set up the account, and the bank 's decision is final, so there's no appeal.
Product: Debt collection

informed Jefferson Capital Systems , LLC approximately XXXX days ago this was a fraudulent account and a fraudulent attempt to collect from me... ..over 7 years ago informed/disputed all three bureaus of fraud involving XXXX account... all three removed XXXX XXXX, XXXX and XXXX ) info from reports... .now out the blue fraudulent account has returned
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when the transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transaction
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 : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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

I was traveling out of town due to the death of my father and was not able to handle the payment of my credit card and wanted my card to be current for I had this credit card for years and wanted to remain in good standing so my brother told me that due to our fathers death he would take care of my balance but unfortunately after the complete balance was paid off in full my account was closed due to authenticity and the credit card department told me I needed further authenticity to reopen it that if I showed I was on the account that paid off the balance they would reopen my account I never knew if my account was paid off in full my account would be dealt with in such a despicable manner but due to the death of my father I was unable to handle my affairs in a prompt manner so my brother willingly assisted me to correct the high balance I never knew it would create such a big problem infact when I logged on it showed as if it my account was still open but now its closed due to paying the entire balance off in full which is ridiculous so not only am I dealing with the death of my father I am being penalized for paying in full a credit card
Product: Vehicle loan or lease

I, XXXX XXXX and natural person, was denied credit by CAPITAL ONE when I applied for auto financing, who is in possession/control of a legal person ( XXXX XXXX XXXX of whom I am the Executor of the Estate/Trust of XXXX XXXX XXXX XXXX through a XXXX presented form the Treasury with a EIN with credits/funds exceeding $ XXXX in which credits are taken from every time my social is used. I am co-signing/the co-signer for the legal person ( XXXX XXXX ) when Im entering into any consumer credit transaction/consumer transaction.. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act ( Regulation B ) which is codified in 15 U.S.C 1691 ( a ) ( c ) and is pursuant to civil liability under 15 U.S.C 1692k. Also they willingly and knowingly provided false and misleading information to me to make that decision 15 U.S.C 1611, while denying me extension of my OWN credit. They also alined themselves with the dealer in trying to make me put down a down payment when its a consumer credit transaction and thats breaking the law 15 U.S.C 1605, 15 U.S.C 1611. A creditor shall not refuse to grant a individual account to a credit worthy applicant for ANY prohibited basis 12 CFR 1002.7 ( a ).

You are subject to criminal liability for violating 15 U.S.C 1691 and 15 U.S.C 1611 as I have proof that I was discriminated against by CAPITAL ONE due to the response I received. 
CAPITAL ONE is in violation of 15 U.S.C1642, U.S.C 1681 ( m ) and 12 CFR 1002 because I, the consumer, made a application in good faith, but credit was not issued.

Furthermore, because my social security number ( credit card ) 15 U.S.C 1602 ( l ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of CAPITAL ONE 15 U.S.C 1602 ( p ).
Product: Money transfer, virtual currency, or money service

Hello, I'm formally a PayPal account user who's account was permanently limited back in XXXX of 2022. I received an email in XXXX of 2022 informing me my funds are now eligible for withdrawal, however upon trying to add my current bank account to PayPal, I am denied with the following error message. 

" This account needs a little help to link it. Contact us and we can help with that, or you can link a different account. '' I attached a screenshot for reference. I have tried alternatives and I have tried contacted PayPal support through the " contact us '' page on paypal.com regarding this matter with no resolution. I am now contacting this outlet directly for assistance regarding this issue, urgent attention is requested. Thank you in advance for your time and professional service with handling this concern.
Product: Debt collection

I went to XXXX XXXX XXXX XXXX XXXXXXXX in XXXX XXXX, WA at XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX. They immediately turned a bill they believe I owe them over to Valley Empire Collections. 

I went to XXXX XXXX to have my XXXX XXXX. When I spoke with XXXX she neglected to tell me that the price had gone up and she told me I would only need one vial of to complete my XXXX. When I got there XXXX XXXX did not apply any XXXX XXXX XXXX. It was quite painful. He XXXX the vial around my XXXX and then stated that he would need a second vial to get to my XXXX and wanted to charge me an additional {$350.00} for it. I was in so much pain that I said no. He told me that a portion of the vial that he had applied around my XXXX was left and that he would keep it for me. Later that day I started to notice significant XXXX XXXX XXXX XXXX XXXX. I tried to call XXXX XXXX several times to inquire about the XXXX XXXX XXXX. At no time did they return my phone calls. Therefore, due to the fact that they never did my XXXX as I was scheduled for and their lack of customer service I put a stop payment on the check. When they realized I had put a stop payment on the check they finally called me. When I asked about the balance of my vial that XXXX XXXX had said he would hold onto for me they denied having it. They immediately turned the bill over to collections without ever attempting to resolve the issue of my XXXX not being done at all. 

I spoke with Valley Empire Collections on XX/XX/XXXX and was told that XXXX XXXX would provide me nothing in writing. In addition, I was told that this debt had only gone onto my credit report on XX/XX/XXXX. Contrary to that statement this debt has been on my credit report since XX/XX/XXXX causing me problems with my credit score. I find this odd as I did not go to XXXX XXXX until XX/XX/XXXX. One month elapsed before it was put on my credit record with no attempt on their part to resolve it.
Product: Credit card

Wayfair/ Citi Retail National Bank . The account has been closed for quite some time I made at least 15 attempts since the beginning of the year to work this out no response. I even sent several payments. At first, they said I was {$270.00} overdue this past month. They said I was {$370.00} overdue. I sent them {$500.00}, I also explained to them I was trying to work it out without all the late fees. I was actually begging them to work this out they refused. Now Im frustrated and fed up with these false accusations in my credit report.
Product: Money transfer, virtual currency, or money service

I bought XXXX $ of crypot currency ( XXXX ) from etoro platform First thing i observed that the currency price when I submitted was at least 4 % More the chart price. To make sure I tried again without submitting the order They do the same thing which is change the price. 
Second of all I tried to withdrawal my money many times but I couldn't. I tried to report the problem to the company but they didn't answer my email Also therr phone number is only automated mailbox. 
Third. 
Yesterday they shoot down the platform because of the lower market. 
I just need to withdrawal money
Product: Vehicle loan or lease

I was shocked when i reviewed my credit report and found a late payment on the dates below : 30 Day Late - XXXX XXXX 30 Day Late - XXXX XXXX I am not sure how this happened, I believe that i had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

National Recovery Agency has been attempting to collect a debt since it allegedly opened on XX/XX/year>. This Debt is the result of identity theft.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, I received an email saying my venmo account had been frozen due to suspicious activity. I then checked on venmo to see if the email was spam or phishing but it was frozen and I was unable to transfer any money. I thought that the suspicious activity may have been due to purchases I had made in person at pop-up vendors, which totaled for {$40.00}. Venmo requested a photo ID and my social which I provided, and they replied with a email on XX/XX/XXXX, stating Your account is currently frozen. Unfortunately, there are no further changes that we can make to your account. Additionally, there is no further information or detail I can provide about why your account is frozen. I followed up asking how I could unfreeze it, and they said they forwarded the issue to a team of specialists and have given no further updates, even when requested.
Product: Credit reporting or other personal consumer reports

A 30 day late that was reported by my mortgage company XXXX XXXX. Which was an accident on their end because they put the payment I made toward my mortgage for the month of XXXX toward other fees and it made it look like I didnt pay my mortgage and a 30 day was put on my credit report. After speaking with XXXX they mentioned that they would get this corrected. They stated the correction was updated in there system XX/XX/XXXX as paid. After filing a dispute with Experian the results came back they they were correct in issuing the 30 day late. This is false information and has put my credit in the fair status.
Product: Money transfer, virtual currency, or money service

I transferred XXXX bitcoin to my XXXX wallet from another exchange ( XXXX ). In order to do this, Coinbase ( who owns XXXX ) will usually transfer it into my Coinbase wallet, and then it auto-transfers over to the XXXX wallet. 

The Coinbase wallet received the funds fine. I received a confirmation email stating so. Shortly after, however, I received another email from XXXX with the subject line " Attention Required. '' It said the transfer had failed, and to move it over from Coinbase manually. 

I logged on to perform this transfer, only to find that that the Coinbase wallet noted the transfer as " complete, '' and there were no funds in there to manually transfer. On the XXXX side, the transfer was noted as " pending. '' It has been in that state ever since ( over a week now ). It also shows the " estimated payout '' time to always be whatever the present time is when I check it. 

I emailed XXXX support on XXXX/XXXX/XXXX and included all the relevant information ( below ). I received an auto-response giving me a case number ( Case # XXXX ). I have followed up with them by email twice and received no response. I have tried calling and no agent ever comes takes the call, even after 90 minutes on hold. 

I have done other transactions since, but the funds for that transfer remain inaccessible. 

Transfer ID : XXXX BTC transaction hash : XXXX
Product: Bank account or service

Reference : XXXX Complaint against Chase Bank Credit Card services. 
My complain is against the XXXX procedures. All your announcements indicate you are totally dedicated to support and protect the public. In my case number listed above that was not the case and proved that the BCFP was in league with the Chase Bank against me. 
I made a complaint against Chase Bank. Details are provided in my complaint. My complaint was passed to the Chase bank who responded. I was sent the response and made a rebutall that had significant information to contradict the Bank statement. In the meantime the XXXX stated the case was closed and my rebutall could not be forwarded to the Chase Bank. That is not in the interest of the public ( Complaintant ) but protects the Chase Bank. This process needs to be changed. I also ask for a review of how my case was handled by BCFP staff. My rebutall needs to be sent to Chase Bank. Basically deducted {$79.00} per year since XX/XX/2004 for a total of about {$1000.00}. without my aithoroty to make that deduction. My rebutall tells why Chase Bank is at fault.
Product: Credit reporting or other personal consumer reports

All of the credit reporting agencies are not accurately reporting my student loan balance. XXXX indicates that the balance was transferred to XXXX XXXX  and the balance with XXXX is XXXX. XXXX XXXX  is reporting the correct amount as XXXX is too however the credit reporting agencies are not updating the report to indicate the transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance wi the fair credit reporting act, Credit collection XXXX  account number 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 an account without my written instructions
Product: Debt or credit management

The company at Lexington Law XXXX said they would improve my credit and my credit never improved.
Product: Debt collection

This is a continuance of complaint number XXXX. 
XXXX A Cease and Desist Notice was sent to Credit Acceptance with a request to validate the alleged debt by proving an audit trail of everything they have as a debt collector to prove that I owe the alleged debt. 
XXXX The Notice was received by Credit Acceptance . Please see the attachment. Also, a representative of Credit Acceptance by the name of XXXX XXXX that holds the tile of Compliance Analyst reached out to me via phone and email, asking to give her a call, which is a violation of 15 USC 1692c ( 1 ) ( 2 ) ( 3 ). I demand for collection activities to Cease and Desist, as well as communication via phone or email.
Product: Checking or savings account

Subject : Formal Complaint Regarding Business Account Closure and Missing Funds To Whom It May Concern, I am writing to formally report an issue regarding my business account with Citibank, which was abruptly closed without notice. Despite my repeated inquiries, Citibank has failed to return deposits totaling over {$200000.00}. When I requested clarification on the status of my funds, I was informed that the account had no funds remaining. However, I possess bank statements, deposit and withdrawal records, and ATM receipts that clearly document the existence of these funds. 

I believe that my treatment in this matter is unjust and potentially discriminatory, as I am a XXXX XXXX business owner. The lack of transparency and failure to provide a resolution regarding my missing funds has caused significant financial and operational hardship. I am requesting a thorough investigation into this matter and the immediate return of my deposited funds. 

Please provide a prompt response outlining the steps that will be taken to resolve this issue. I look forward to your immediate attention and cooperation in rectifying this situation. 

Sincerely, XXXX