23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Hi, I received a  XXXX   XXXX  Reward Debit  Visa card from  purchasing tires from  XXXX   XXXX . The card was issued by  XXXX   XXXX   XXXX   XXXX . Their phone number is  XXXX . The card expired on  XXXX . I still have funds in the card. I contacted the company, but they refuse to issue to me a new card or a check for the balance I have left in the account. Your assistance is must appreciated.     Thank you.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1692g ( Validation of debts ) and 15 U.S. Code 1681s2 ( Responsibilities of furnishers of information to consumer reporting agencies ), all information reported on my credit report must be accurate, complete, and verifiable. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( Treatment of inaccurate or unverifiable information ), any inaccurate or unverifiable information must be corrected or deleted from my credit file, and 15 U.S. Code 1681e - Compliance procedures. 
The specific inaccuracies I have identified include : 1. Account Number Discrepancy : The account number appears as XXXX on XXXX , while it appears differently on other credit reports. 
2. Account Status : The account status is inconsistent ; on one report, it says " Paid, '' while on another, it says " Closed. '' 3. Date Opened : The " Date Opened '' reported is inconsistent with other information. 
4. Payment History : The payment history reported does not match the actual account history. 
Given these inaccuracies, I am requesting a thorough investigation into this matter and demand that all erroneous information be corrected or removed. I expect written confirmation of the resolution within 30-45 days of receiving this letter. 
Please be aware that if my request is not addressed within the stipulated time frame, I am prepared to take legal action to seek damages. As per the FCRA, I am entitled to claim {$1000.00} in damages for each inaccuracy on my credit report. 

XXXX
Product: Credit card or prepaid card

I receive child support through a prepaid Debit card program ( way 2 go ) I saw a transaction I did not authorize. ( XXXX on XX/XX/XXXX I barely make it getting by just to live so shopping on the Internet is out of the question. As I was on hold I noticed another XXXX on XX/XX/XXXX came out. I need that money back bad. I have kids I have to feed. A lady I spoke to said I didnt have an account, I have had that same account for years. I could not understand her either. The call ended but not by my end and here it is Tuesday XX/XX/2020 I have called and called and called and have been on hold for hours all together still I have not gotten in touch with them
Product: Credit reporting, credit repair services, or other personal consumer reports

PERSONAL INFORMATION UPDATE LETTER XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Trans Union LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Social Security Number : XXXX To Whom It May Concern : 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Enclosed : copy of State ID showing proof of address
Product: Checking or savings account

on XX/XX/2018, my account was compromised by a hacker from Brazil. He presented charges to Suntrust against my checking account for {$100.00}, which was denied. The hacker then presented for charges to Suntrust for {$200.00} and this was also denied. The hacker tried again and presented for charges to Suntrust for {$400.00} and {$2.00} and Suntrust paid the hacker these XXXX charges. I suspect that Suntrust paid the last XXXX charges totaling {$400.00} to overdraft my account so that Suntrust could profit from the overdraft fees. I must mention that all of the charges were done in succession ; XXXX after another. Now my checking account is in the negative and charges for bills that normally come from that account are creating additional overdraft fees, charges, and withdrawals from my savings account. This is the second time that Suntrust has been negligent with my funds and information. I did receive a telephone call from the Suntrust Fraud Division AFTER it paid the XXXX fraudulent charges.
Product: Credit reporting or other personal consumer reports

I was contacted by L J ROSS ASSOC about bank account issue with XXXX XXXX Bank. I informed them I was refusing to pay bill over excessive charges to my account. They told me there was nothing they could do ( I'd have to contact XXXX  XXXX ), but if I did not pay them, they would report to credit Bureu. I asked them if I paid in full right now, over three payments would they agree not to report to Bureu. They agreed, and all payments were made on time. Once all three payments were made, they reported me as late to XXXX and XXXX.. I disputed with both bureu 's but they only updated record to reflect I was paid in full. They refused to take away late payments. I was never late. I paid as agreed. They broke the agreement!!.
Product: Checking or savings account

In XX/XX/2023, Chase decided to end relationship with me with no reason. In XX/XX/2023, Chase closed both my saving and checking account, and at that time they told me they will send me the check about the money in both accounts within 10 business days, but it already 20 days gone. I called them everyday, and they just can't give me a clear day to give me the check just told me their department is investigating. I am an XXXX XXXX  here, this really give a a big trouble without those amount of money, nearly {$4400.00}. Please return the check as soon as possible!!! Time has already passed 4 months, what the chase need to review, everytime they told me under review but can't tell me the exact date they give my money back! That's really upset and XXXX! Pay my money back as soon as possible!!!! Without that money, due to I am still a XXXX, I can't survive! I strongly consider to hire a lawyer to deal with that problem!!!
Product: Debt collection

5 AND A HALF YEARS AGO I HAD A CREDIT CARD ACCOUNT WITH XXXX XXXX XXXX. DURING THAT TIME MY INTEREST RATE WAS 2.9 %. MY HOME WENT TO SHORT SALE AND UNFORTUNATELY WHEN THAT OCCURED DUE TO DIVORCE, ALL OF MY VARIABLE INTEREST DEBT SKY ROCKETED OVER NIGHT FROM XXXX TO 30 %! MY BALANCE AT THAT TIME WAS {$2300.00}. SINCE THEN I AM TOLD THAT XXXX XXXX XXXX HAS SOLD MY DEBT AND IT IS NOW A CHARGE OFF. I CONTACTED XXXX XXXX XXXX AND THEY WERE UNABLE TO VERIFY WHO IN FACT BOUGHT MY JUNK DEBT. SINCE THEN SEVERAL COLLECTION AGENCIES HAVE CLAIMED THIS ACCOUNT WITH VARIOUS AMOUNTS OWED. MOST RECENTLY CALVARY PORTFOLIO HAS POPPED UP ON MY CREDIT REPORT CLAIMING I OWE THEM A WHOPPING {$19000.00} FOR SAID DEBT WITH XXXX.I HAVE SENT SEVERAL DEBT VALIDATION LETTERS TO CALVARY WITH NO RESPONSE.
Product: Mortgage

After having Detected Additional Problems with the Contract, the NOTE and Accounting, I re-opened the Administrative Process and launched a Forensic Audit. And I am currently in the middle of this multi-step Administrative Process and doing Due Diligence and expects this process to take an additional XXXX months before a resolution can be reached. 

During the initial-step of this multi-step process the Mortgage Servicer SELENE FINANCE LP and their Principal XXXXXXXX XXXX were asked to supply me with a copy of the accrual XXXX  Accounting including debit and credit accounts, [ assets and liabilities ] and all off-balance sheet liabilities and income accounts and the accounting from XXXX  per XXXX XXXXXXXX, and all other related documents as per the XXXX XXXX  Notice I sent to them. They received this by certified mail on XX/XX/year> and I received a response back from them, dated XX/XX/year> acknowledging the receipt of it and that they will respond to it in compliance with Federal and State law. Therefore, I am awaiting for the requested documents from them before moving forward with the next step of the Forensic Audit Process. 



However, their XXXX XXXX XXXX XXXX, XXXX XXXX XXXX has scheduled to foreclose on my home on XX/XX/year> in violation of FDCPA. I have provided XXXX XXXX  with a copy of the Forensic Audit Notice as well as SELENE FINANCE LP 's acknowledgement and their intent to provide me with the requested documents. 

I faxed, e-mailed and called SELENE FINANCE in an effort to put a stop the sale of my home. I also asked to be transfer me to their legal department because the customer service was unable to answer my questions. I asked for the Registered Agent 's Contact Details so that I can if need to serve legal documents for which Customer Service Person was unable to answer me at the same time told me he couldn't transfer me to their legal department. 

I intend to take court action if they do not suspend the sale. However, I don't want to waste the court 's time and resources and my time and energy as I have already wasted a lot trying to get information from SELENE FINANCE. Therefore, I am reaching out to you first.
Product: Credit reporting or other personal consumer reports

I have disputed information on my credit report of wrong social security number, wrong phone numbers, wrong addresses and names on accounts that were reported and found to be fraudulent. I asked Equifax to delete the accounts and information. They refused on some and removed some just to put them back on my credit report.
Product: Debt collection

The company XX/XX/XXXX had received a payment from me and they told me that year that it was sent to collection by mistake and they put me on hold and try to contact them and Helvey & Associates told me as well that the account will be deleted but they left it still when I was not notified that they did not delete it. I have been disputing this since I first saw it on my credit report. So I was going back in forth with the collection agency telling me it was deleted and paid off through XX/XX/XXXX that year and they told me that we fix it from here but we need to call XX/XX/XXXX that its paid in full but it was still showing that it was a debt collection and it showing negative on my report. I was told of this year by some rude representative that it was bought by them and it will stay there because I didn't pay them. I told that representative that why would I pay double on an account that is paid in full because I had the same utility service all year long. It was an error by XX/XX/XXXX and they told them to remove it that year and it was not removed. The collections agency lied to me for many years that it was deleted from my file and now to this day it's showing up as a negative account like its never been paid all so many months and when I called them and asked them why is it showing up as a negative account they told me that they didn't know my account was paid in full and I asked them how can they report some inaccurate information because it was a mistake sending it there and they told me that it was bought from them and the payment should go to them. I told them my service was still on and why was it sent to a collection agency in the first place. On their reviews, I have seen stories like mines. I have also reported it to the XXXX XXXX XXXX but no response to them as a business. I also have reported to the FTC, Attorney general office, and the CFRA
Product: Credit reporting or other personal consumer reports

formally dispute a fraudulent loan account that has appeared on my credit report, as reported by your agency. This dispute is being made under the provisions of 15 USC 1681i, which governs the correction of inaccurate or fraudulent information on consumer credit reports. 
I have recently become aware of an account listed on my credit report that I believe is the result of identity theft. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one approved me for a credit card after I provided a copy of my birth certificate and my driver 's license and then sent it to my house. They then promptly suspended the account, demanding that I further identify myself before they could activate card because they could not confidently assert that I was who I say I am. But they had already reported my credit line with them to the credit beuros. Due to the excessive difficulty of activating my card, I decided to cancel and as a result my credit score has tanked. This is absolutely unfair and unreasonable and Capitol one has offered no solutions. I do not believe it is fair to report a credit line that I was never given access to.
Product: Debt collection

I never gave any permission to this organization to have my information and they have sent the attached mailing which constitutes of several Federal violations. Pursuant 18 USC 241 this organization is conspiring with XXXX XXXX and the consumer reporting agency 's not only depriving my right to credit but also my right to privacy 15 USC 1692a as a consumer pursuant also furnishing negative information which is deformation of character to the Natural person and original creditor. I am envoking my specified remedy as a consumer and seeking compensation and remedy for all matters addressed in the below attached affidavit of truth with exhibits.
Product: Mortgage

Selene Financial became my loan servicer on XX/XX/2022. On XX/XX/2022 Selene notified me that they had added {$12000.00} to my loan for interest charged since the month prior. Why was this amount erroneously charged?
Product: Checking or savings account

on XX/XX/2023 I received a call from Pay pal asking me to pay a balance on my checking account because it was over drawn by for {$570.00}. after continuing the conversation with the representative he explained that their were requests for charge backs from some people who had sent me money using pay pal services. i explained to pay pal that all transactions were completed in person and not through pay pal. but pay pal was used to send me the money. i also explained that who ever requested the charge backs was trying to scam me out of money. i asked pay pal was any proof of wrong doings on my behalf sent to them, they said no so i asked why was money taken from my account, i was not given any direct answer to that question. i asked why was i not called immediately once some one put in a claim against me, i again was giving no direct answer to that question, so pay pal has basically took money from my account and given it to scammers and is now trying to stick me with the bill.
Product: Student loan

College : University XXXX XXXX Location : XXXX, CT It has been a nightmare dealing with Discover Student Loans. In XXXX, XXXX, and XXXX Discover Student Loans verbally harassed and disrespected me. They called me early in the morning and late at night, they hung up the phone on me, they took more money from my account than I authorized on numerous occasions, they gave me false information, and while all this was happening interest was accumulating causing my loan to go into default. In XXXX and XXXX they overcharged me on student loan payments. Discover created student debt stress for me by inflating my bills and misleading me about important benefits. I signed up for an Income based repayment plan and they took out more money than I authorized out of my account. They did this multiple times. I had to wait a week just to call Discover Student Loans to find out they did n't even start the refund process even though they said they would so they lied to to me. I ended up waiting an additional 2 weeks for one refund. Once I got the refund it was not the correct amount so I had to wait an additional week to get the correct amount. They stole more money out of my account a second time by taking more money than I authorized them to take. I had to wait another 2 weeks for a second refund. This type of illegal practice subsequently resulted in my private student loan accumulating interest while I was getting abused and ending up in default. Discover never gave me a fair chance at paying off my student loan. I have complained numerous times to CFPB and Discover since XXXX and here we are in XXXX with no help, 4 Years! The loan accumulated interest and got sent to a collection agency/lawyer. Discover Student Loans treated me like I was n't even a human being. I have never felt so disrespected in my life. Discover Student Loans is notorious for Illegal Servicing Practices. 
I also feel as if race could have been a factor since I have a XXXX sounding last name and this is America! I know how people should be spoken to because I have a long history in customer service. The way I was spoken to, the misinformation that was given to me, the tone that was used during those abusive phone calls, and most importantly there overall practice felt like oppression. My credit is messed up because of this defaulted loan and I am emotionally stressed and my quality of life has been affected.
Discover did not provide the most basic functions of adequate student loan servicing for a portion of the loans that were transferred from XXXX including me. I encountered problems as soon as my loans became due and Discover gave me account statements that overstated their minimum payment. Discover denied me information that I would have needed to obtain tax benefits and called me at inappropriate times about my debt. Discover violated the Dodd-Frank Wall Street Reform and Consumer Protection Acts prohibitions against unfair and deceptive acts and practices, and also the Fair Debt Collection Practices Act.
Product: Debt collection

I have sent several letters requesting proof of the debt, and the only response is a an automative letter stating account has been verified. 

In accordance with Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( hereinafter referred to as " FCRA '' ), your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post on my credit report.

I formally demand the following negative account records to b e verified and/or removed immediately. Must provide proof of all your verification of the debt and where you obtained it from.
Product: Money transfer, virtual currency, or money service

I am writing to formally file a complaint against Gemini, a cryptocurrency exchange platform, for placing my account on a security hold for over a month without providing any explanation or resolution. Despite my repeated efforts to resolve the issue, including submitting all requested documents and verifications promptly, Gemini has failed to release my account or provide clarity on the matter. 

On XX/XX/2024, I noticed that my Gemini account was placed on a security hold, restricting my access to my funds, currently at ( {$26000.00} ). I immediately contacted their support team to inquire about the reason for this hold. In response, I was asked to submit specific documentation to verify my identity, which I promptly provided on XX/XX/2024. Since then, I have followed up multiple times via email and the support portal, but I have only received generic responses or no response at all. 

The prolonged account hold has caused me significant inconvenience and stress, as I rely on this account to manage my cryptocurrency investments. I find Gemini 's lack of transparency and responsiveness in this matter highly unprofessional and unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX proper documentation to transunion on XXXX XXXX & also on XXXX XXXX. To remove fraudulent credit inquiries they are stating the documents sent XX/XX/XXXX was to blurry to so I resubmit the document on XX/XX/XXXX which I can provide proof that I sent it and they stalling saying the havent received to resubmit it
Product: Mortgage

I purchased my home at XXXX XXXX XXXX, XXXX XXXX, FL XXXX on XX/XX/2023. I am being charged for PMI even though I am below the threshold to be charged for this. The appraised value for my home is {$320000.00} and I only financed {$240000.00}. Therefore, I am only at 76.48 % loan to value. I have asked for this to be removed, but the company is refusing. This is not right and needs to be fixed immediately.
Product: Student loan

I have made multiple attempts to contact Mohela in regards to my loan repayment options. I did make the attempt to revise my payment plan online, but it did not change anything. I then called customer service and spoke to a woman who said she was able to change my repayment plan and due date as I was unable to make the standard payment. I did not ever receive a confirmation email that anything for my loan details was adjusted. I made the attempt to call customer service again, but wait times is over 1 hour long to speak to someone, and I am unavailable throughout the week due to work. I reattempted to change my payment plan on the mohela website, confirmed and agreed to my changes a little over 1 week ago, and have not received confirmation to my email on file. It has been nearly 1 month since I spoke to a representative who claimed my payment plan was changed, and my account is still sending me notices that my account is past due I have made the XXXX $ payments in XXXX, and XXXX which is the amount I agreed to pay. I also sent a message regarding this issue through my account portal, but do not expect a prompt response which is my reason for submitting this complaint to resolve this issue ASAP to avoid hurting my credit for late payment reporting.
Product: Debt collection

I had my wages garnished by Portfolio Recovery Associates for a debt that I don't even know who it was for. According to court records ( attached ) this started in XX/XX/XXXX for a debt dated back to XX/XX/XXXX according to the Default Judgement. The address they had for me of XXXX XXXX XXXX, I haven't lived at for over XXXX XXXX. According to the letter from XXXX XXXX XXXX XXXX dated XX/XX/XXXX I was given a Notice of Appearance, which I never received or was notified. Then my employer XXXX XXXX sends me the attached paperwork to my current address XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX. This was the first I heard about the case at all. Only to have my wages garnished starting XX/XX/XXXX. There was no time to do anything about this as the time had elapsed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX 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