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

On XX/XX/2022 I attempted to transfer funds from my XXXX account to my XXXX XXXX. This is a transaction that I have done multiple times in the past, however, this time it triggered a fraud warning. After trying once more my account was completely locked. I have been unable to withdraw funds, transfer funds, buy stocks, or close my account. I have racked up over {$300.00} in overdraft fees for non-payment of bills that and have also been unable to pay my rent which now leaves me exposed to eviction. All the while I have not heard back from XXXX and have been told that there is no definitive timeframe for resolution. They also continue to ask me for the same information and I provide it every single time which are the PDF bank statements for my accounts ending in XXXX and XXXX. I am being taken advantage of for trying to use my own money and need a resolution to this as soon as possible.
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 XXXX. 


Account Name : XXXX XXXX XXXX 15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXXc. ( 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. XXXX ( 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: Checking or savings account

I AM FILING A COMPLAINT WITH THE CFPB REGARDING CAPITAL ONE 'S FAILURE TO DEPOSIT MY DIRECT DEPOSIT FROM MY EMPLOYER AND ANY OTHER INCOMING DEPOSITS OR TRANSFERS. CAPITAL ONE HAS CITED TECHNICAL ISSUES WHICH MAY VIOLATE THE ELECTRONIC FUNDS TRANSFER ACT ( EFTA ) AS IT REQUIRES TIMELY ACCESS TO FUNDS. THIS SITUATION RAISES CONCERNS ABOUT CONSUMER PROTECTION LAWS, AND I REQUEST YOUR ASSISTANCE IN INVESTIGATING THIS MATTER TO ENSURE MY RIGHTS ARE UPHELD. THANK YOU.
Product: Checking or savings account

On XX/XX/XXXX I initiated a transfer for {$1200.00} to my checking account at XXXX XXXX. The chase mobile app said the transfer would be completed on XX/XX/XXXX. 

On XX/XX/XXXX the money was still in my chase account and not in XXXX XXXX so I called chase and was transferred to fraud team. Fraud team sent a 2FA message, verified basic info and then asked me to hang up the call and call back as they could not verify.

3 calls to fraud and one visit to my local branch later, the branch instructed me that they could not close or modify my account due to the hold. 

Thankfully, I was able to empty out the account using XXXX, XXXX XXXX and XXXX to stop chase from stealing my funds and holding them XXXX during the complaint process. 

I would like Chase to close my checking account so I do not have to worry about potential fees. I saw an advertisement about banking with chase and got referred by my dad to open an account but I now realize that was a mistake.
Product: Debt collection

I do not know who these people are and why are they sending me any information about any dept! I have not signed anything with them nor not who they are. They are ruining my credit report with this nonsense. This is illegal and NOT RIGHT! 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Formal Dispute of Inaccurate Credit Report Information Dear Dispute Department, I am writing to formally dispute inaccuracies in my consumer report under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). The following accounts contain errors, and I request a thorough investigation to correct or remove any inaccurate information.

1. CHILD SUPPORT ENFORCEMENT Account # : XXXX Credit Bureaus Reporting : XXXX, XXXX, XXXX Disputed Items : Account Status : Reported as " Closed '' but reflects " Collection/Charge-Off. '' Balance Owed : The reported balance of {$12000.00} is inaccurate. 
Remarks : Incorrectly states " SERIOUSLY PAST DUE DATE/ASSIGNED TO ATTORNEY/COLLECTION AGENCY. '' XXXX. XXXX XXXX XXXX Account # : XXXX Credit Bureaus Reporting : XXXX, XXXX, XXXX Disputed Items : Account Status : Reported as both " Closed '' and " Open '' inconsistently. 
Payment Status : Incorrectly listed as " Foreclosure/Repossession. '' Remarks : Reports " Consumer Disputes - Reinvestigation in Progress, '' but I have not received resolution.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), consumer reporting agencies are legally required to maintain accurate records. Furthermore, XXXX XXXX XXXX ( 2016 ) highlights the obligation to verify information before reporting. I request that you verify these accounts with the original creditors and correct or remove any inaccurate information. 

Please provide a written response to my dispute at the address listed above. If these accounts can not be verified, they should be deleted immediately as required by law. 

Thank you for your prompt attention to this matter. I look forward to your response within the timeframe mandated by the Fair Credit Reporting Act. Attached XXXX form of Identification State ID Sincerely, XXXX XXXX XXXX
Product: Mortgage

I have been working with Select Servicing Portfolio sinceXX/XX/XXXX to get a loan modification written. 
I am paying a interest rate of 8+ % on a loan issued by XXXX XXXX  XXXX  ( closed by the Federal government ). 
My husband and I have been separated and he is XXXX. I have been honest with the Mortgage Servicer and was given a " loan modification trial '' in XX/XX/XXXX. My payments were adjusted from $ 3700+ monthly to about $ 2300/monthly ( which I am able to make ). the trial ended in XX/XX/XXXX and we received a loan modification packet to be signed by both of us. 
I contacted our family attorney and he suggested I complete a title search and request new signature pages ... with each signed separate as the modification should be signed and notarized. SPS suggested I sign my husbands name which the attorney refuses. Yesterday I contacted SPS and they said my modification has been withdrawn. I waited for many months for the modification to happen and they are taking it away because of the advise I have taken of our attorney. PLEASE HELP!
Product: Student loan

I requested my XXXX from Navient in XX/XX/2022. I have heard nothing from Navient about my request.
Product: Money transfer, virtual currency, or money service

I met an individual named XXXX through a dating site, and since then, a chain of events has unfolded that has resulted in significant monetary loss and emotional distress. XXXX, under what mow seems to be false pretenses, solicited funds from me on multiple occasions for various reasons, including purported personal emergencies and legal obligations. 
I regret to report that my interactions with XXXX have led to substantial financial harm, as he has coerced me into transferring wire transfers to an individual named XXXX XXXX, supposedly to assist XXXX with resolving alleged legal complications related to a substantial sum of money he claimed to be carrying. 
I would like to highlight that these transactions were made under duress and false pretenses, and I strongly believe that I have been a victim of fraudulent activities orchestrated by individuals misrepresenting themselves as acquaintances in need. It is my sincere belief that require immediate attention and investigation. 
The total amount in {$30000.00}
Product: Student loan

I am currently XXXX in XXXX. My salary is XXXX before tax and my rent is {$1400.00}. This is not including utilities, transportation, and food. I have spoken to Navient about private student loans to make a plan to pay them off. I told Navient my salary and expenses and committed to paying $ XXXX/month until my salary increases. I spoke to Navient representatives several times regarding my willingness to work with them. However, Navient was persistent in that they did not want {$75.00} they wanted & gt ; {$300.00} a month that I simply did not have. The representatives became belligerent even suggesting that I ask my landlord to decrease my rent to pay them? This is preposterous as I have to have a roof over my head to work. Yesterday, representatives threatened me that if I did not give them several hundred dollars by XXXX they would default my loan. This business has destroyed my credit report. The only relief I have received is from paying a default fee of $ XXXX+ that does not go to the life of my loan. I also, tried to consolidate the loans with Navient and they refused to have the private loans consolidated. Thus, I am working diligently to try to pay my debts to this company without the company willing to work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting false & misleading information. 

Name on alleged debt doesnt belong to me. Different name on account. 

XXXX {$260.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and I've continuously tried to resolve this issue with the CRA 's. I asked for them to complete a investigation of all the accounts in question and they responded claiming they have verified them all. It has been more than 90 days and they are still reporting Fraudulent and Inaccurate information. 

- DATE LAST ACTIVE is not CONSISTENT100 % ACCURATE through all XXXX bureaus - LAST REPORTED DATE is not CONSISTENT 100 % ACCURATE through all XXXX bureaus - ALL ACCOUNTS NOT REPORTING TO ALL XXXX BUREAUS - SUMMARY BALANCES are not CONSISTENT 100 % ACCURATE I filed a FTC Report they received via certified mail. I have sent numerous letters expressing the FCRA codes they are VIOLATING furnishing this information without my written consent. As well asking them via phone to remove the information. They have yet to provide me a method of verification that verifies the information which they can not fund because THIS IS FRAUD!! 

FCRA codes they are VIOLATING : - 15 U.S.C 1681 Section 602 A. : I have the right to privacy - 15 U.S.C 1681 Section 604 A. Consumer Reporting Agencies can not furnish a account - 15 U.S.C 1681i. 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 promptly delete that item of information!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER 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 XXXXXXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXXXXXX XXXX XXXX Balance : {$10.00} ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX  XXXX Balance : {$2000.00} XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX 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: Vehicle loan or lease

I ordered a XXXX XXXX XXXX XX/XX/XXXX. The car was delivered XX/XX/XXXX. Since I've had the car its been impossible to get service requests and software updates. There are 2 open safety related recalls. I am unable to use XXXX XXXX because XXXX does not have any service centers. Techs will come to house but they do not issue any paperwork. XXXX is a new car company and chase XXXX loans was the partner lender. I got my loan approved in XX/XX/XXXX and about a month after Chase issued a promotional rate for the XXXX XXXX because cars were not selling. The company was highly mismanaged and XXXXr burned over XXXX XXXX dollars in XXXX. They are now in XXXX XXXXXXXX protection and looks like XXXX. XXXX is imminent. Chase XXXX  loan i believe knew the cars were not selling and gave early adopters higher rates. I believe they knew the promo rates of XXXX  % were going to be marketed. 
The position of the company puts me in a hard place. My car is not serviceable. The recalls will not be addressed due to XXXX. XXXX also discounted the unsold inventory by XXXX %. Early customers now have lost more than XXXX % value of a XXXX car. This is because the XXXX management mismanaged cash and put the company into XXXX. 
I am looking for any help. As well as XXXX of owners across the XXXX. This should be fraud. There have been multiple articles written about the company.
Product: Credit card

I hope this message finds you well. I am writing to formally report an ongoing issue regarding unauthorized charges to my Capital One account by XXXX, despite my efforts to resolve the matter through both XXXX and Capital One. 

On XX/XX/XXXX, I attempted to cancel a transaction and requested the cancellation of my XXXX subscription. I confirmed with XXXX that the cancellation was processed over the phone and was assured that no further charges would occur. However, despite these assurances, XXXX continued to charge my account even increasing my bill. 

I contacted Capital One to dispute these charges and was advised that they would take action to stop further payments. Despite their assurances, the unauthorized charges persisted. 

In addition to the steps I have taken with Capital One, I am also filing a complaint with the Federal Trade Commission ( FTC ) regarding XXXX  failure to honor my cancellation requests. XXXX  inability to effectively cancel my license and subsequent fraudulent billing practices have caused significant inconvenience and financial distress. 

I kindly request your assistance in resolving this issue. Any help or guidance you can provide to address the unauthorized charges and ensure that Capital One adheres to proper cancellation procedures would be greatly appreciated. 

Thank you for your attention to this matter.
Product: Checking or savings account

I asked my branch manager of PNC Bank at XXXX XXXX in XXXX, KY to do a Payable upon death for my personal checking account and my personal savings account during XX/XX/2019. These accounts are solely owned by me and I am the only person authorized to have access to the accounts. I had recently had my attorney draft a trust agreement and wanted the trust to be named as the beneficiary of my accounts. The manager seemed very confused about what I was asking for. After going around and around and clearly stating I wanted my accounts to stay as they are but just go to the trust after I die, she took a copy of my trust and said she had to get it approved by legal and I would get a call back the next week. This happened, she said I was approved, and needed to come in and sign a paper. I came into the branch and dealt with another employee to because the manager was on vacation. I again asked this employee before signing my paperwork that my accounts would not change they would only be listing the trust as a beneficiary, she looked at the computer and said yes. I thought nothing of it until XX/XX/XXXX when my husband lost his wallet and we checked his account online to make sure there wasnt any activity on his card. When we signed in under his account, we saw MY checking and savings account pop up with his! I immediately called the PNC 800 number to figure out what was going on. They said my accounts had been changed to the trust and because my husband was listed in the trust he now has access to my accounts! Yes this is my husband, but I never gave the bank permission to do this. What if it was somebody else!? They said I needed to go to my branch and speak with the manager. I did this and she told me a few different stories. First she said that was what I asked for and signed, then she said it was the only way it could be done, then she told me legal said it was illegal in my state to do a POD, then finally she said it was against PNC policy to name a trust as a beneficiary. At this point I was so mad and just wanted the access shut down and I asked her to revert my accounts to the way they were before. After several hours because she had to call legal back she told me she cant, she has to close my accounts and open new ones. I cant just do that when I have many auto drafted payments coming out of those accounts. So until I can get new accounts opened and everything transferred my accounts are wide open to be used by someone I did not authorize to have access to my account and the manager could absolutely care less.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma, sent my several false credit card approvals. When I applied for them I was denied and inquiries were attached to my name. This has hall several times.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX XXXX XXXX XXXX  : ( Private XXXX  ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX  Opened XX/XX/year>, XXXX XXXX opened XX/XX/year>. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

CHASE CARD MADE A HARD INQUIRE ON MY CREDIT REPORT THAT I DIDNT CONSENT TO AND ALSO I HAVE WROTE LETTERS TO THEM AND THEY HAVE FAILED TO RESPOND
Product: Payday loan

I received a payday loan and prior to the due date of the loan Advance America contacted my wife on her phone line as a reminder to pay on due date. My number is active should of been the only number contacted unless the loan was past due and my wife was contacted as a reference ( as intended when her info was left ). My wife has now received 2 calls from advance america.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : ** Complaint Regarding Violation of 15 U.S.C. 1681e ( b ) by XXXX for Inaccurate Credit Reporting Dear Sir or Madam, I am filing a formal complaint against XXXX for failing to ensure the maximum possible accuracy of the information reported on my credit report, in violation of **15 U.S.C. 1681e ( b ) ** of the **Fair Credit Reporting Act ( FCRA ) **. 

Upon reviewing my credit reports, I identified inconsistencies and inaccurate reporting regarding an account with XXXX XXXX XXXXXXXX between XXXX and TransUnion. Specifically : 1. The **Last Update Date** reported by XXXX is XXXX XXXX, while TransUnion reports XXXX XXXX XXXX These dates are inconsistent and reflect future dates, which is impossible and misleading. 
2. The **Last Activity Date** reported by XXXX is XXXX XXXX, while TransUnion reports XXXX XXXX. These discrepancies raise concerns about the accuracy and reliability of the data being provided. 

These inaccuracies could adversely affect my creditworthiness and ability to secure financial products. Under **15 U.S.C. 1681e ( b ) **, XXXX has a legal obligation to maintain reasonable procedures to ensure maximum possible accuracy, which has not been upheld in this case. 

**Requested Resolution : ** 1. Conduct a thorough investigation into the inaccuracies reported by XXXX regarding the account with XXXX XXXX XXXX. 
2. Correct the inaccurate dates and provide consistent and verifiable information across all credit reporting agencies.

3. Provide written confirmation of the investigation results and actions taken to correct the errors. 

I have attached copies of my credit reports from XXXX and TransUnion, highlighting the discrepancies in the reporting dates. I request an immediate review and resolution of this matter. Failure to address these inaccuracies may result in further action, including legal remedies. 

Sincerely, XXXX XXXX XXXX