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

On XX/XX/XXXX I contacted TransUnion about the following negative accounts 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, Credit limit {$500.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

My PayPal account XXXX was deactivated and I havent been able to access the account. I have always abided by the terms of use and service and been compliant. PayPal has not allowed me to remove bank accounts or credit cards. They have held all my information captive. We are in the final steps of asking for resolution before we submit a lawsuit to PayPal to open up their unscrupulous arbitrary business practices to discovery and deposition.
Product: Credit card or prepaid card

I called chase credit card services ( XXXX ) twice this week attempting to remove a late charge on my credit card. This had negatively impacted my credit score. I have had accounts with them for over 15 years I've never been LATE or missed a payment. I'm a XXXX year retired XXXX veteran. Who is trying to buy a home! Because of this matter I can not proceed. I told them I never received this statement in the mail. As soon as I found out I paid it promptly. By the time I paid it was already 30 days late. I actually had to pay both the due date and late payment at the same time. 
All I really wanted was a one time goodwill adjustment. Yet they won't grant me one ... Amazing, I've never been late for 15 years. Once I pay these people off I'm closing all my accounts with them and I'm going to tell everyone I know to say away away form CHASE!
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 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 for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and required an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I don't believe the information to be accurate. 1 Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to the FCRA, accounts that have been disputed by the consumer must be notated as such. Your failure to investigate this account, and notate it as such, is a violation of the Fair Credit Reporting Act. Please remove immediately. 

15 U.S.C. 1681 is a section of the Fair Credit Reporting Act ( FCRA ) that establishes the purpose and congressional findings of the act. The FCRA governs how consumer credit reports are accessed, and it aims to protect the accuracy, fairness, and privacy of personal information
Product: Debt collection

I received two notices for debt collection from Credit Control LLC dated XX/XX/2019 and XX/XX/2019. On XX/XX/2019 I sent a debt validation letter via mail to Credit Control LLC regarding the first notice stating that I do not owe any debt and challenging the validity of the debt, as I have had my accounts, email and other personal accounts hacked into and have had credit applied for in my name that I didnt initiate. I have continued to receive calls and received another letter to attempt to collect yet another debt that I do not owe. On XX/XX/2019, I sent another letter by mail to address the second notice regarding a debt that I do not owe. To further ensure my documents are received, I have sent this disputes via fax today and will send again through mail, but this time, with XXXX signature confirmation. I am a disbursements veteran and I do not owe this debt and want the calls, letters and attempts at collection to cease. If this does not cease, I will retain counsel and seek compensation for damages.
Product: Credit reporting or other personal consumer reports

he List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Hunter Warfield INC : # 1 has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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: Student loan

I enrolled in a medical billing program through XXXX XXXX in XXXX and financed it through XXXXonterrey Financial. In XXXX, the Federal Trade Commission ( FTC ) reached a settlement with XXXX XXXX XXXX XXXX parent company ) due to deceptive practices. As a result, I received a refund check from the FTC for {$370.00}, confirming that I was one of the impacted consumers. 

I emailed Monterrey Financial on XX/XX/XXXX, to provide this information and ask for a review of my account. I followed up again on XX/XX/XXXX, after receiving no response. Despite being part of the FTC settlement, Monterrey Financial continues to demand full payment on the loan and has not responded to either of my emails. 

I am requesting that the CFPB help ensure the company acknowledges the FTC findings and reevaluates the legitimacy of the loan I am being held responsible for.
Product: Consumer Loan

applied for a loan not seeing the payments go down on paying on a XXXX dollars loan for almost a year. XXXX a month. Times XXXX {$500.00} per month. 
currently interest rate is 198.15 %. military lending act only goes up for service member up to 36 % please any assistance would be appreciated. 

Thank you.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX  account status was not corrected. A charge-off is an account written off because of a loss ( the original owner believe they will not be able to collect on the account. The XXXX XXXX  account was settle on XXXX of XXXX. XXXX is showing first delinquency in XXXX. Because of car accident total loss this account was settled XX/XX/year>. The FCRA state by law all information must report accurately with all three credit bureaus. Inaccurate reporting violation has been committed and was not corrected.
Product: Money transfer, virtual currency, or money service

I made a transfer on XX/XX/XXXX using transfast.com from USD to XXXX of {$4000.00}. After creating the transaction, the email from transfast said it will be deposited to my XXXX account on XX/XX/XXXX. Today ( XX/XX/XXXX ) morning i received an email saying my transfer is completed and " Your transfer has been picked up or received by your recipient. ". 
When i logged into my XXXX account, the money is not there. When contacted customer service XXXX said it should be there by EOD today, now it's XXXX, money is NOT THERE. 
When again contacted customer service over chat, new story ... money will be credited on XX/XX/XXXX, because there is " Another processing ''. 

So what does " Your transfer has been picked up or received by your recipient. '' means?????? 

It's definitely a fraud/scam to hold my fund for more time and using before releasing the fund to me according to the contract.
Product: Credit reporting

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX onTransunion. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Account Information Capital One To Whom It May Concern, I am submitting this formal dispute regarding inaccurate information reported by Capital One to the credit bureaus, which I believe is directly related to my status as a victim of the XXXX XXXX breach. As a result of this breach, my personal and financial information was compromised, leading to the reporting of an account that I did not authorize or open. 

The inaccurate information has been reported to XXXX, XXXX, and XXXX and is causing significant harm to my credit profile. Under the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) guidelines, I am requesting that Capital One conduct a thorough investigation into this account and provide documented proof of its legitimacy. If validation can not be provided, I demand the immediate removal of the account from all credit reports. 

As a victim of the XXXX data breach, I am deeply concerned about the security of my sensitive information and my ongoing risk of identity theft. I also invoke my rights under the Gramm-Leach-Bliley Act ( GLBA ) to ensure that my financial data is safeguarded and handled appropriately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

XXXX have utilized XXXX on several occasions, and unfortunately, the funds were mistakenly transferred to the incorrect recipient, resulting in the inability to retrieve the funds.
Product: Credit reporting or other personal consumer reports

I have requested now for the 3rd time written validation of account balance and proof of debt.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX Billing Inquiries and Customer Service po box XXXX XXXX XXXX, SD XXXX Re : Citi XXXX XXXX XXXX  ending XXXX & XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX NH {$110.00} Help! The above transaction was not mine, and your phone teams have proven utterly incapable of even marking it as a disputed amount. I am not a XXXX XXXX member, so I can not renew, and if I were a member I would certainly use the XXXX XXXX less than five miles from my home. On XX/XX/XXXX I used my card at a grocery store here in XXXX. How could I be in New Hampshire the same day? 

I appeal to you to credit the amount while this dispute is investigated and to cease charging interest on the process. 

Complete Chronology On XX/XX/XXXX, my bill included a similar {$110.00} XXXX XXXX charge. For reasons identical to those above, I disputed it and it was eventually ( too slowly ) forgiven. 
CITI ERROR # XXXX : you did not issue me a new card number at that time. 
CITI ERROR # XXXX : theres no evidence you contacted XXXX XXXX to cancel that membership. 

On XX/XX/XXXX, the new {$110.00} XXXX XXXX charge appeared on my bill. On XX/XX/XXXX I phoned, getting a XXXX, who did send a new card. 
CITI ERROR # XXXX : she disputed the {$10.00} grocery bill, not the {$110.00} fraud. 

When I got the bill showing this, I phoned on XX/XX/XXXX trying to correct matters. Theres no evidence they did anything. 

On XX/XX/XXXX I received your letter of XX/XX/XXXX saying Were looking into the dispute. 
CITI ERROR # XXXX : the letter doesnt specify the exact dispute, so I couldnt correct your error. 

On XX/XX/XXXX I received my bill showing no dispute on the {$110.00} and phoned the next day, running into cutoffs and passing around to various persons. The final person, a XXXX with a male voice, said the credit would appear in 7-10 days and I could dispute the interest later. I see no evidence that this has happened. 

On XX/XX/XXXX I received your letter of XX/XX/XXXX stating that the XXXX credit was permanent. 
CITI ERROR # XXXX : once again youve worked on the wrong item. 

On XX/XX/XXXX I phoned again spending over half an hour before I was cut off from XXXX in Billing Disputes, who never bothered to call back. 

Between static on the phone lines, rapid accented English, cutoffs, and apparent gross incompetence, your XXXX help center appears worthless to me. 

If Error # XXXX had not occurred, this might have been settled by now. Surely you must have a procedure to correct a wrong entry by your first contact. Where is it? Please contact me. 

Yours truly, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On Friday, XX/XX/XXXX, XXXX XXXX of Eagle Recovery Services ( XXXX ) called me aggressively demanding my banking information to settle a debt they were handling in regards to the Emergency Physician 's Bill from XX/XX/XXXX when I went to the Emergency Room at XXXX Hospital in XXXX, MI. XXXX XXXX continued to threaten that if I did not settle the full amount of {$400.00} that they would " pursue legal action ''. XXXX refused to express what actions were considered as " legal action '' and made it very difficult to get information regarding the debt. I asked XXXX times where the debt was incurred and who the debt was owed to. After expressing, " it should n't be this hard-you should not be this difficult because this debt is from XX/XX/XXXX, you need to give me your routing and account number '' he reluctantly gave me the contact info for XXXX XXXX and his office. He refused to give me his official title, the times and dates of contact, and the location of Eagle Recovery Services. I called him again today, Wednesday, XXXX XXXX to set up a payment plan to settle the debt and he stated that that was not an option because the company that issued it demands that it be paid by XXXX XXXX or they will pursue legal action. He refused to accommodate me in setting up payments to settle the debt. I then asked again what legal action entailed, he stated " I am not a lawyer, I can not give you that information, you just have to pay it by the XXXX or they will pursue legal action ''. He continued to be very aggressive as I asked him what would happen if I requested to stop the payment and responded, " then they will pursue legal action ''. I expressed that I was highly dissatisfied with how this situation has been handled. He has repeatedly retorted that I had been contacted XXXX times regarding this account. I have not received a letter regarding this account. When the agency called, the caller ID showed " restricted '' and they did not leave voice mails and if they did they were very vague and I do not recognize them in it. Today, I again asked XXXX XXXX for the times of contact. He stated that the Eagle Recovery Service mailed a letter on XXXX XXXX and XX/XX/XXXX. He further stated that they called on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XX/XX/XXXX. XXXX XXXX refused to give the dates that the company that reported the debt contacted me. If I was properly notified of this debt and how to dispute it or resolve it, I would have settled it at an earlier date. I feel extremely threatened and upset regarding this matter. Because I am scared of legal pursuits that XXXX XXXX threatened me with, a payment of {$400.00} ( more than half of my monthly income as a student ) will come out of my XXXX account tomorrow, XX/XX/XXXX, after XXXX XXXX demanded and coerced that I give him said routing and account information. I did notify XXXX XXXX that I would be filing this complaint today.
Product: Debt collection

Dispute Debt Collection Letter XXXX XXXX XXXX P. O. XXXX XXXX XXXX, CO XXXX Wells Fargo Bank XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023 Dear Collector I was notified by your company on XX/XX/2023 regarding an alleged debt and harassed for years by phone call that I am going to be subpoena to court for an alleged debt. The statutes of limitations for a debt with a bank in XXXX  is XXXX years. Do to XXXX I have been living in a hotel and have financial hardships. I request all the following information be provided to me by mail. Then amount of the alleged debt. The full name and mailing address of the original creditor for the alleged debt. Documentation showing you have verified that I am responsible for the debt. Documentation showing you are licensed to collect debts in XXXX. If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law. Sincerely, XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX went to 5th3rd bank XXXX XXXX, spoke with XXXX bank manger about fraud alot with my accounts, she printed off papers where my new card was sent XXXX XXXX XXXX an old address and she stated sum was not activated but XXXX was activated ine card in XX/XX/XXXX and XX/XX/XXXX the XXXX card was reported stolen and replaced.i did not receive those cards and my home address XXXX XXXX XXXX XXXX XXXX.i spoke with XXXX 2 days later on the phone and she stated that she did not tell me the cards was activated.her story changed after i made a police report about identity theft with XXXX police deparment. case # for report XXXX on XXXX said XXXX had XXXX accounts and i should have only XXXX accs and my son has XXXX account. never had XXXX accounts and the latest cards activited was in XXXX and i was in the banking off when this info was reveiled.XXXX  Dishonest about the situations her story change 2 day later.i have banked the the bank since XXXX and have had the most fraud the this bank and no clear results.passwods changed and locked out my accounts on a regular basis .I had to have new bank card mailed to 5th3rd in XXXX to make sure i receiverd them.
Product: Money transfer, virtual currency, or money service

PayPal owns XXXX. I placed 3 online orders with XXXX via their website XX/XX/XXXX. The charges were immediately withdrawn from my XXXX account the same day, the method of payment I used. By XX/XX/XXXX, I still hadn't received any of my orders, so I contacted the USPS regarding the tracking number I was issued, which had my package in XXXX XXXX for a week, followed by a week at a USPS facility in NY. The last update with the tracking had my package at another USPS facility but the location wasn't disclosed. That was XX/XX/XXXX. Being a former mail carrier, I reached out to the USPS regarding the tracking number. It wasn't recognized. Another attempt on tracking my package, showed it was being delivered by DHL despite the last info had my package at a USPS facility. I contacted DHL. The tracking number wasn't recognized : XXXX. At this point, I reached out to XXXX, hoping to get the charges reversed, if I wasn't going to get my orders. I contacted XXXX and initiated 3 disputes ( one for each order ) on XX/XX/XXXX at XXXXXXXX XXXX, EST. By XXXXXXXX XXXX, the lowest 2 charges had been reversed, leaving the highest amount to be reversed. Despite filing a claim with the XXXX AND the Consumer Financial Protection Bureau, XXXX hasn't reversed the charge. Matter of fact, they closed the 3rd dispute. They kept my money. Thieves! They claimed they needed documents when what I shared for the other 2 charges was sufficient enough for those charges to be reversed. I feel bullied by XXXX. I filed a 2nd complaint with the XXXX  against PayPal since PayPal owns XXXX. STILL the charge hasn't been reversed, so that's why I'm filing a complaint against PayPal with the Consumer Financial Protection Bureau. Where else can I go? I can't make them give me back my money! I SO desperately want to close my XXXX account but know if I do so, then they'd definitely keep my money and that's what I think they want and are hoping for. I don't work since I'm XXXX. My family needs the money. Please help! How do these companies get by with bullying people and stealing their money?!
Product: Mortgage

My husband and I use electronic banking to pay our mortgage payment to Mr. Cooper. We generally request the payment be issued from our bank during the first week of the month. XXXX XXXX, XXXX ( aka XXXX ), issues the payment electronically ( ACH ) to Mr. Cooper 's bank. XXXX XXXX  has confirmed that the payments go out and are received the next day. Mr. Cooper does not post the payment timely. 

As an example : This month XXXX issued the payment on XXXX, Mr. Cooper 's bank received it XX/XX/XXXX, as of today ( XX/XX/XXXX ) the payment is not posted. My husband called last week, and they could not explain it. He called again today, they could not explain it and was told the ONLY way to resolve it going forward was to allow them to automatically deduct the payment from the account. 

Another example : In XX/XX/XXXX, XXXX issued the payment on XXXX it was received by Mr. Cooper 's bank on XXXX but not posted until XX/XX/XXXX ... AFTER a late charge was applied. Mr. Cooper reversed the late charge but when my husband called couldn't explain what happened. They keep saying it takes 2-3 days to post payments. 

We are very concerned about 1 ) our credit rating based on the late payment 2 ) interest accruing due to lack of payment being applied and 3 ) Mr. Cooper earning interest and using our money for the 8-10 days when they have received it and not applied it to our loan. 

We do not want them to automatically deduct from our account the payment as they have proven untrustworthy ( although we have been forced to sign up for this ). At this point, we want an explanation for the delay in posting payments and confirmation that our future payment will be posted within 24 hours of receipt by Mr. Cooper.