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

I had gotten behind on my account for almost 6 months, and capital one sent me out emails and letters that said " XXXX XXXX XXXX XXXX, Were required to close and charge off this account in less than 30 days if no payment is made. But its not too late to work something out before your payment due date on XX/XX/2022. Our online payment plan tool may let you decide how much to pay so you can get started on your terms. they said I could pay Pay $ XXXX for 3 months Or {$610.00}. So I called in the day before and told a rep that I would be making a quick payment through XXXX XXXX and I would call back with the tracking number. The next day, Sunday, XX/XX/XXXX, I made the payment of {$610.00} thru XXXX XXXX at the XXXX grocery store. Then, I called capital one and no answer so I did a chat with a Capital One Rep name XXXX XXXX, I gave him the control number or tracking number and asked him to document it for me. I followed up the following days to find out that Capital one Lied. Even though, I made the payment they still cut the card off. In addition to that, I received my monthly bill today and a {$38.00} late fee is added to the account when clearly I made the payment on time with documentation to prove it. They gave me a false promise with the intention of cutting the card off all along.
Product: Consumer Loan

Navy Federal and I agreed on an interest rate of 1.79 %. Once I put down a downpayment, Navy Federal changed this rate by doubling it to 3.59 % without notifying me. Put simply, Navy Federal lied to me about the interest rate to get me to sign up and then dramatically increased the rate. I called XXXX from Navy Federal who told me it was keyed incorrectly and that was " just how it was going to be. '' Navy Federal said they would remove my recorded phone calls where they stated the interest rate was 1.79 %. Navy Federal failed to do this review.
Product: Money transfer, virtual currency, or money service

XXXX XXXX -negative $ XXXX XXXX, 2021 Money Sent Your recipient should have the money by XX/XX/2021. 


Transaction ID XXXX Contact info XXXX XXXX XXXX XXXX
Product: Credit card

I was charged a {$100.00} annual fee that was due on XX/XX/XXXX. The full payment was received on XX/XX/XXXX, and I have never been late before. Fortiva charged me a {$30.00} late fee and a {$2.00} statement fee in XXXX for being one day late. Then, in XXXX, they charged me another {$30.00} late fee, {$2.00} statement fee, and {$1.00} in interest, for a total of {$65.00}. I called to request a waiver of the late fees since they were pyramiding fees by charging a late fee on top of an annual fee, then another late fee on a late fee. I was told they would not waive anything despite being only one day late and that these were fees on fees. I was told they would only waive the fees if I canceled my card. I requested a refund of my annual fee since I had not used my card in the last year. Plus, I had just paid the {$100.00} annual fee for XXXX, and I would not have access to this card this year under this agreement, but I was told no. If I did not agree to pay these fees and did not want them to continue adding more late fees, interest, and paper statement fees monthly, then I would have to agree to cancel my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$360.00} XXXX XXXX {$150.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXXXXXX XXXX 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 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 reporting or other personal consumer reports

Equifax, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX under the account number ( XXXX XXXX ), XXXX XXXX  under the account number ( XXXX XXXX ), XXXX XXXX  under the account number XXXX XXXX ), I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All if the aforementioned accounts are a result of identity theft and fraud. I have attached a copy of a FTC Identity Theft Criminal Complaint Case XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts are a result of identity theft and fraud. 

MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR ; NOR IS MY REQUEST TO BLOCK BEING MADE ON THE BASIS OF MATERIAL REPRESENTATION OF FACT BY ME RELEVANT TO THE REQUEST TO BLOCK THE IDENTIFIED TRANSACTIONS. I HAVE NOT knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block.
Product: Checking or savings account

I opened a checking account with HSBC under their {$200.00} welcome deposit promotion. I have met all of the requirements to receive the {$200.00} as of XX/XX/2018. I have a written chat with a customer service representative from XX/XX/2018 with a " XXXX '' who agreed I should have received this {$200.00} deposit already and he/she instructed me to call customer service which I did. I called and had a " ticket '' opened in XX/XX/2018 and was promised I would get a call back with a resolution. It is now XX/XX/2018. I have been on hold for 30 minutes and counting with XXXX at EXT XXXX as I have called 2-3 times per week and been promised call backs every time as the only person who can resolve this is the person that opened the ticket. I was promised a call back by Monday which never came last Thurs. XX/XX/2018 by a woman at EXT XXXX. This is completely unacceptable. Every time I call, I am only told that I will get a call back, which I never get. Then the person is never working and they are the only ones that may resolve my issue. I want to cancel my account, but I am entitled to the {$200.00} welcome deposit as advertised.
Product: Credit card

On XXXX/XXXX/16 JPMorgan Chase closed the credit card account because I refuse their threats, and posted on social media their attitude, on same date and on XXXX/XXXX/16 I emailed and asked to be sent a final settlement. 
See : XXXX XXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX and XXXX more ... 

Message body Chase Credit Services. 

You are hereby being notified that you have either option. 

You can settle the account now and I will make payment in full on the amount agreed. 

However, JpMorgan refuses to issue a final statement, just to collect residual interest. I have asked for a final bill and their refusal nothing but greed. 
The Security & Exchange Comm and XXXX clearly said that XXXX XXXX XXXX will be in violation of securities laws if she closes my kids accounts, all penalties for closing C type shares should be borne by Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting charge offs/write offs on my credit report with a balance due. Also, it's been almost 60 days now since my last request to submit proof that the accounts were charge offs/write offs as reporting on my credit report and still no response. After 30 days of no response these accounts should have been deleted from my credit reports. Now my question is " who's paying who to not follow the law? ''
Product: Prepaid card

I purchased XXXX Vanilla Gift ( VISA debit ) cards last year. But these XXXX cards were stolen by someone else. I have contacted the Vanilla company for almost XXXX year, and provided them as much information as they needed. But every time, when I call them, they just replied I need to wait for another several days. I don't understand what's going on here. Are they doing this on purpose? My case numbers are XXXX and XXXX. 

I have file a complaint before. Later, the company agreed to send me the refund, but they never did. Then the complaint was closed. I have called the company several times. They said they need to further investigation and let me to wait for more days. The company is dishonest, and they lied to you as well.
Product: Credit card or prepaid card

Submitted application for Barclay 's XXXX XXXX XXXX card in Fall XXXX. Received request from Barclay 's to call in to provide information about XXXX and other business information. Called and provided all information to Barclay 's. Never heard back from Barclay 's and they pulled a hard pull on credit with no notification they had done so, what the results were ( my credit is good ), and never heard on if I was approved or denied the card. Now its XX/XX/XXXX.
Product: Checking or savings account

Navy just closed my account after sumbody took money from me
Product: Checking or savings account

My phone as well as my banking information was stolen. Someone was able to access my Wells Fargo account and steal {$5000.00} worth of money from my account and the bank if refusing to give it to me.
Product: Money transfer, virtual currency, or money service

A check was deposited in my account without my knowledge. My account now is in the negative because of the check and I did not authorize any of this.
Product: Money transfer, virtual currency, or money service

Hello Cfbp, As of XXXX XXXX, 2023, I message PayPal for a sudden limit on my account. I didn't do any transaction but previously I am using the account for payment on email marketing.. 

Today when I open again my paypal account they surprised me with the new email that I can no longer do business with them with this XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have student loans being managed by Fedloan Servicing and I am disputing the payments eligible for public service loan forgiveness. Over the years I have attempted to get satisfying explanations about why payments were considered ineligible snd have not received adequate explanation. Fedloan servicing has always been my lender for the student loans in question. ( I have another student loan managed by XXXX, but I am not disputing those right now ). These loans have never been consolidated. I have always ( without interruption ) worked for a qualifying nonprofit or government employer. I have routinely updated my qualifying employment by submitting the public service loan forgiveness forms which have been accepted. I would like to dispute my ineligible payments but have not been supported in doing so by Fedloan servicing. I am looking for help challenging these ineligible payments that I have made in good faith toward public service loan forgiveness.
Product: Debt collection

At the closing for my condo, I paid all fees due at that time. However, there was a status letter from XXXXXXXX XXXX that was not included in the settlement statement. I was not aware of this, paying all fees I knew to be owed in good faith. At a date after the closing, I was made aware of the assessments that were in the status letter and not included with the fees due at closing. Agents of Capital Title and XXXX XXXX of Makower Abbate Guerra Wegner Vollmer PLLC both acknowledge that these fees were not presented at closing. Michigan XXXX XXXX XXXX of XX/XX/XXXX ( XXXX XXXX ) does not allow fees missed at closing to be collected after. However, these fees were sent to collections ( XXXX  ) and that agency has steadily tacked on their fees as well and have filed a Notice of Lien against my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the same inaccurate public record on my consumer file ( bankruptcy ) for 3 years, 3 times within the past few months WITH supporting documents from the company they supposedly " verified '' their information through, XXXX. XXXX has deemed the account to be unverifiable and therefore has deleted the file from my XXXX file. Months later, Equifax continues to state that they have verified the account with XXXX as accurate. However, XXXX has repeatedly stated ( IN WRITING, these documents have also been forwarded to Equifax ) that Equifax has NOT contacted them to verify the account, as if they had, they would know that the account was unable to be verified as accurate. The other credit bureaus have deleted the inaccurate public record but Equifax continues to conduct unfair business practices against my FCRA rights. I've even spoken to a supervisor that could see my supporting documents but said that the people who review the disputes, " don't really look at the supporting documents before they make their decisions ''. That's fraud.
Product: Credit reporting or other personal consumer reports

Begining of XXXX there was an auto loan that i didnt make on my account. I disputed it multiple times with credit agencies, all three of them. they keep verifying it as accurate. It is not my account, i've explained. 

XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I've never heard from the place before, I suspected identity theft. Surprised there's a few derogatory items that I've never opened in my life. The things listed on my applications are not mine. XXXX  XXXX, DEPTEDXXXX, XXXX, XXXX XXXX XXXX, XXXX, ( Original Creditor : ). I have contacted the FTC and my local police and I am doing this all alone. Please remove these unknown items from my report : XXXX, XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXXE. XXXX, XXXX  XXXX ( XXXX, XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX. US SM BUS ADMIN ODA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company call World Finance Corp. have sent ( 4 ) account to the 3 credit bureau which they told me that they was going to do. I explain to them that they was not mine. The first one is Acct : XXXX Date Open : XXXX Amount : {$760.00} Acct : XXXX Date Open : XX/XX/XXXXAmount : {$760.00} Acct : XXXX Date Open : XX/XX/XXXXAmount : {$0.00} Acct : XXXX Date Open:XX/XX/XXXXI told them they was not mines and to removed them from my credit report.They told me that when the credit bureau contract them they was going to tell them they was mine and they did just what they said.I know they can only go by what the company say.How could they be so wrong and do thing to people just to collect money. Always call your house and threatening you by tell you your credit will be ruin if you don '' t pay this off.I don '' t understand how they can do this and get off .They call me all the time tell me to pay up are they going to seen a letter to my SSA and collect the money from them. I live on a month-to-month basic. All I ask is please help me get this stop all the threatening is upsetting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested multiple times proof of how much the vehicle was sold for during auction. I have not received a response or call backs. Im requesting this account to be removed from my XXXX and Experian as the amount they are requesting is not valid.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Florida XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX TX XXXX Subject : Request for Reinvestigation and Correction of Credit Report Information Dear Experian, I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S.C. 1681i - Procedures in case of disputed accuracy, and 15 U.S.C. 1681e ( b ) - Compliance procedures to ensure maximum possible accuracy of the information. I recently reviewed my credit report and would like to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : Name of Account and Account Number : XXXX XXXX  XXXX -- XXXX XXXX XXXX -- XXXX XXXX  -- XXXX XXXX  -- XXXX I request that you verify the accuracy and completeness of every piece of information related to these accounts. If any information is found to be inaccurate, I ask that it be removed from my credit report. In accordance with 15 U.S.C. 1681i, if you are unable to verify the accuracy of the information within 30 days, I request that the account be removed from my credit report. Furthermore, under 15 U.S.C.

1681e ( b ), I request that you ensure that all procedures followed to include this information were reasonable and guaranteed maximum accuracy. 
To reinforce my request, I cite the case Cushman v. TransUnion Corp. ( 1997 ), in which the court held that credit bureaus have a duty to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information in their credit report. This precedent establishes that the bureau can not merely rely on the verification provided by the information source but must take additional steps to ensure that the information is accurate. 
It is crucial that this matter be resolved promptly, as inaccurate information on my credit report can have detrimental effects on my financial situation and my ability to access credit fairly. In accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit bureau must complete the reinvestigation of the disputed information within 30 days of receiving this request. I also request a copy of all documentation used in the reinvestigation and any additional information related to the process. 
Thank you for your attention to this matter, and I look forward to receiving a positive response within the legally mandated timeframe. 
Sincerely, XXXX XXXX
Product: Student loan

I have been a participant in the Public Service Loan Forgiveness Program since 2010. It is my understanding that my federal loans were recently transferred from XXXX to FedLoan Servicing.  However, FedLoan Servicing  never contacted me with details about this change or how I was to make payments. On XX/XX/XXXX, the day that my student loan was normally due, I received a notice from them that my loan had been transferred to them and to wait to hear from them. I went on the XXXX  website to make my monthly student loan payment nevertheless, having not been provided with any alternative payment instructions. XXXX declined to accept my payment and only told me to wait for FedLoan Servicing to contact me. Nevertheless, despite several attempts on my part to reach them to make my payments, FedLoan Servicing  has not responded to any of my attempts. I am extremely concerned that not only will this negatively impact my credit in the immediate timeframe, but it is also having a cascading and deleterious effect on the promised discharge of my student loans. In particular, I am concerned that by ignoring my attempts to reach them, FedLoan Servicing is adding late fees and interest to my balance, and extending the number of payments I must make to them before I will be eligible for forgiveness and discharge of my student loans. 

Would you please help me figure out why they are ignoring my attempts to reach them so I can make my payments? In addition, would you please help me make sure that they do not adversely penalize my account? Even throughout the government shutdown when I was not getting paid, I continued to put aside money to make my student loan payments. I would like for FedLoan to honor my payment arrangements with the Department of Education, accept my payments from the last five months, apply them as timely monthly payments made from XXXX - XXXX, and not charge me late fees or additional interest that would not have accrued had they been responsive. Moreover, I recently had my first baby on XX/XX/XXXX and I can not even reach FedLoan Servicing to adjust my income- based repayment now that my tax situation has changed. Having a newborn baby is stressful enough without FedLoan Servicing adding this completely unnecessary financial stress to our lives. 

I have attached the correspondence I sent to them. I sent the letter by fax on XX/XX/XXXX, and by certified mail on XX/XX/XXXX. 

Please let me know if you have any questions. Thank you so much. 

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX This letter is to inform you that I want to dispute the following items listed below on my credit profile. Did you know that your company was sued by CFPB? for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumer about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers ' access to credit, employment, and housing. 

I also learned that you company is notorious for telling consumers that you will not investigate accounts if you have previously " investigated '' and now we see that you all never really investigated anything for consumers. I am demanding that you reinvestigate/investigate, and the outcome be removed today. 

XXXX XXXX XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Venmo froze my account because of something I didn't have any knowledge of. Someone disputed a transaction which caused Venmo to accuse me of criminal activities without providing me with any proof. They froze my account and told me they're keeping my money. Now Venmo refuses to answer my emails and/or provide me with any information that gives them the right to close my account and keep {$1600.00}. Venmo makes me show front and back of my Identification with a selfie of me holding it before any changes are made. I believe Venmo customer service errored in disputing a transaction rather than just investigating the transaction in question. I believe I should be given my money back immediately and/or be provided with legal advice on how I can sue Venmo are negligence, false advertising, bank fraud, theft by deception, and fraudulent practices. I also would like pain and suffering for all the days my account has been frozen illegally.