23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Between XXXX I originated two accounts with Navy Federal Credit Union . A personal loan and a credit card which was opened separately. Overtime, either one or both of the accounts had changes to the account number, changes to the terms and conditions or some loan modification. As a result, the account history and the amount of payments and interest Ive paid substantial payments without paying in totality has become available. As well as access to previous statements before the account numbers changed. I have noticed that the principal balance has barely changed and it appears most of all the payments made has gone to interest. For the past 7-8 years, I havent had any significant reduction in my principal balance. As a result of financial hardship and reduced income I needed assistance with making payments. The first delinquency was reported in XXXX for both the credit card and loan. After 7 years, statue of limitation require negative reporting should be deleted and removed. Also, they have the credit card tradeline for {$19000.00} appearing twice under different account numbers, which is having a double negative impact on my credit. In absence of account history and old statements I have contested the validity of the debt and derogatory information. The credit reporting agencies and Navy Federal has failed to rectify the situation and delete derogatory information. Under section 1681s-2B of FCRA 15 USC 1681 et seq and The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, the companies are in violation and having complied to my requests. Also, in recent news reports and class action lawsuit, Navy Federal has allegedly discriminated against minority borrowers and neglected to provide fair lending practices and services. I believe I am too a victim of unfair treatment and would like all derogatory credit reporting to be removed and deleted. I have been a member since XXXX, and Ive paid off several loans with Navy Federal. I am deeply disappointed at the way theyve treated me as a consumer. Learning that theyve treated other minority consumers unfairly is terrible. Their actions has negatively impacted my financial health and credit score by continuing to report old and unverified information.
Product: Checking or savings account

This is not so much a complaint to Bank of America but a call to action to Bank of America and who ever might be needed to do so. 
Reported counterfeit checks sent to me by a XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America and The XXXX XXXX XXXX XXXX on XXXX XXXX, XXXXNever heard in response about the report from any of the XXXX. On month later on XX/XX/XXXXXXXX XXXX I notice and deposit in my bank titles counter credit. I did not make that deposit. Someone either went into the Bank of America or Mail in the check without my permission and made that deposit and a teller let the imposter or whoever else it may be do it know that this can not be done without my permission. So, I uploaded document labeled counter credit which states that someone went in and made the deposit. Also, I uploaded bank of check picture that is Bank of Americas copy that shows that the deposit was done by mail. Also, if that check is fraudulent why is it showing as cleared. There might some conspiracies inside the Bank of America XXXX. I have made a report to the XXXX Office of Attorney General, as well I do not know if that office cares or not. 
I have uploaded an extra copy of the check that states a value of {$30.00}
Product: Debt collection

I have an account on my credit from Jefferson Capital Systems for a XXXX bill. I have not had XXXX since XXXX. I have been trying to take care of this for literally years. We changed phone carriers and I sent back the only phone that was leased in a package that they sent me. They still want to collect for phone even though they acknowledge they received it. I have spent countless hours trying to take care of this and they sent it to collections a couple years ago anyway. I dont feel like I should be extorted so I was just going to let it hang out on collection and let it drop off. XXXX must have decided to change collection carriers to Jefferson Capital Systems. I was not notified or given my 30 days from them. They decided that they would put this on my credit as a brand new debt! Therefore it started process and hurting my credit all over again 6 years later. I would appreciate any help you can give me. 
Thank you!
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$320.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$82.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$680.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Balance : {$800.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$160.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have been paying my student loan for over 10years. I have had direct student loans and submitted a public service loan forgiveness application multiple times for XXXX public schools and XXXX police department. I am requesting that my payments made to my previous providers be counted towards my loan forgiveness. XXXX, XXXX XXXX, XXXX etc. my current provider is Mohela. Its been related to me via Mohela Representatives that my current count is XXXX of XXXX. That is inaccurate and I am requesting that the adjustments be made. Thank you for expeditiously expediting my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer Usa date open XX/XX/2014 providing inaccurate information on my XXXX Credit report. The account does not belong to me. I have disputed several times. The company refuses to remove. This information has been deleted from other credit bureaus.
Product: Debt collection

Back in XXXX, I started the dispute process with the three credit bureaus after identifying a couple of items on my credit report that were incorrect. After not having much success and feeling hopless, a representative of one of three bureau mention that I need to file Identitfy Report if I felt that this was a fraudulent account. I've have since filed a FTC and a police report and sent the information to the major bureau. Thinking this was going to help my situation I find out that that FCO still remains on my credit report. I spent over three weeks trying to get answers, just to find out that FCO is still reporting verified as accurate. 

I then sent an certified letter on XX/XX/21 to Fair Collection and Out ( FCO ) XXXX XXXX XXXX XXXX, XXXX, MD XXXX asking if they could provide me with a copy of signature on application with my name, proof I gave them permission to report to the credit bureau, payment history where I made payments to them. So I truly find out if some one actually stole my identity. As of XX/XX/21 I still have not gotten any response back. I'm at a lost of words and I have no idea what to do. This is my attempt to see if any of my rights are being violated. I sure hope that it don't take another 45 days before I here any word back. I've attached the letter that was certified over a month ago with still no response,
Product: Money transfer, virtual currency, or money service

My PayPal account was shut down without any warning. This was a major part of my income. They said it was because of the XXXX  that I was selling on XXXX however this is only one of the products I sell through PayPal and XXXX only contributed to a small portion of my income. I purchased the Caffeine from XXXX with PayPal and sold it to consumers and accepted PayPal so there was no way for me to know that this was against PayPals policy if i purchased it from a supplier that accepted PayPal and has been selling it for years and still is!. This happened on XXXX. There are only so many payment processors out there and if you get cut off from one like this your out of business! The XXXX  '' s were my personal information i blanked out. Here is what they said : Dear XXXX, A recent review of your account activity identified products/services on your website violate PayPal 's Acceptable Use Policy. Specifically, supplements containing unapproved drug ingredient such as : Pure XXXX, Powder, Anhydrous, 99.0 %, 20KG XXXX XXXX XXXX are associated with XXXX  ; XXXX XXXX XXXXXXXX and are not permitted on our platform. Therefore, your account has been permanently limited. 

Please remove all references to PayPal from your website/s and/or auction/s. This includes not only removing PayPal as a payment option, but also the PayPal logo and PayPal shopping cart. Please refer to XXXX  user XXXX  Per the User Agreement, when PayPal permanently limits an account due to a violation of the Acceptable Use Policy, any funds on your account are held for 180 days. In addition, y

ou may be liable for any amount of damages PayPal incurs for each violation of the Acceptable Use Policy. Note that should any chargebacks result in your account balance falling below XXXX, then you will also need to settle the amount owed to PayPal to avoid further action. Customers who are permanently limited for violating the Acceptable Use Policy are not permitted to use PayPal services and are not permitted to open new or additional PayPal accounts. 

You can find the complete PayPal Acceptable Use Policy by clicking Legal at the bottom of any PayPal page. 

Sincerely, XXXX PayPal, Brand Risk Management PayPal
Product: Checking or savings account

Santander bank allowed someone to open online a checking accound around XX/XX/XXXX. I was in the process of moving around XX/XX/XXXX so they did not even have the accurate address but because my mail was forwarded I got the congratulations letter for a new account. I immediately called them and was assured the account was closed and I didnt need to do anything else. I then received a letter from XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. The person who opened the account was allowed to overdraft {$460.00}. I immediately called the bank again. I filled and sent all the paperwork and have called over 10 times to be told that a back office handles it and they dont have updates and with 0 assistance. Have been told different stories each time - one time was told they did determine it was fraud but didnt know how to take it from the collection agency, another time that the file was closed I verified with the collection agency that they havent done anything to remove the charge.
Product: Credit reporting or other personal consumer reports

Hello, I recently received a copy of my credit report and I noticed an inquiry that I did not authorize and of which I do not have knowledge. Please be advised that by law no inquiry can be place on my credit report without my authorization. I am requesting that this inquiry be removed immediately from my credit report. I Remove the following unauthorized inquiries from my credit report : XXXX. XXXX XXXX XXXX : XX/XX/2022 XXXX. XXXX XXXX XXXX XXXXXXXX. XXXX, XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  I HAVE ATTACHED MY CREDIT REPORT THAT SHOW THE HIGHLIGHTED INQUIRES. PLEASE DELETE THESE UNAUTHORIZED INQUIRES!!!
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXXXXXX Balance XXXX {$0.00} Chapter XXXX Bankruptcy Reference XXXX XXXX Date Filed/Reported XX/XX/XXXX Chapter XXXX Bankruptcy Reference # XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction with the persistent presence of fraudulent account on my credit report. After reporting the identity theft incident, I promptly reached out to the company associated with this fraudulent account. While they acknowledged the validity of the report, they were unable to provide records. However, they assured me that the fraudulent account would be promptly removed upon submission of the required FTC report. 

XXXX XXXX XXXX XXXXXXXX. 

It's important to highlight that XXXX and XXXX have already removed this account from their records after identifying and rectifying an error. I find it puzzling that your bureau continues to verify this account when other agencies have already removed them. I urge you to delete this account from my file as they are inaccurate, erroneous, incomplete, or unverifiable. I demand immediate action to remove this fraudulent account from my credit report, especially since the companies have acknowledged their fraudulent nature and agreed to their removal. Please promptly delete this fraudulent account as they are the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,  XXXX  I noticed on my Transunion credit report an old account with  XXXX   XXXX  for an auto lease opened in  XXXX   XXXX  was still reporting as " currently paying '' when the lease was completed and paid in full on  XXXX / XXXX / XXXX . I called Transunion on  XXXX / XXXX / XXXX  to dispute it and they initiated a request to ask  XXXX   XXXX  to delete the account because the 7 years ( for it to remain on my account ) after it was paid in full in  XXXX  has passed. On  XXXX   XXXX ,  XXXX  I noticed  XXXX   XXXX  responded to Transunion  's r equest by putting 82 months of X ( Unknown payments -- see attached ) for this account from  XXXX  through  XXXX  on my report. As I stated this ca n't be true since the lease was paid in full in  XXXX . Any help you can provide with this is greatly appreciated, as this has made  my credit score de crease by  XXXX  points, since they put the X for unknown payment history on an account that should be deleted because it was paid. Thank you.
Product: Payday loan, title loan, personal loan, or advance loan

I am an XXXX year old, senior citizen, XXXX female that was given a small line of credit and then an increase in line of credit was made by company and the line of credit account locked immediately following. Unexpected fees, charges and predatory lending practices which resulted in exorbitantly high interest rates exceeding 100-300 % or higher were charged, Interest drastically surpasses loan amount and is believed to be illegal under Usury laws of Missouri. 

I am on Social Security and suffering extreme hardship. My check is directly deposited into my checking account and is not subject to collection. My fixed income is my only income. 

Im requesting an investigation into their predatory loan practices and unscrupulous lending practices and for Advance Financial 24/7 to stop their harassing emails, calls and any other communication or collection practices on this alleged line of credit account.
Product: Debt collection

Convergent Outsourcing , Inc has not provided proof of a debt with my signature in which they claim I owe. They are also not licensed in the state of CT to collect such debt.
Product: Credit card

This company is saying I owe over XXXX on this credit card account which has been going on for years. They have taken my income tax return for as long as I can remember. One year over XXXX was taken. 
I never opened this account, never signed for anything on this account etc. I have reached out to them and they sent me bills and copies of checks that I didn't write or sign. They continue to send me bills, and continue to XXXX my credit. It's a government credit card so I'm assuming that's how they are able to take my refund. This account is also over XXXX XXXX XXXX. 
If you guys could help me, I would be so grateful.
Product: Debt collection

XXXX and it 's designated debt collection company, " West Asset Management '' ( also known now as Global Receivables Solutions ), engage in some dishonest billing and collection tactics. I was actually quite surprised to find out this same exact situation has happened to other people. After terminating my relationship with XXXX XX/XX/2014 ( important to note that I was no longer on a contract but paying month to month ) ; I paid XXXX for the remainder of that month in addition to the next month 's service. Unknown to me, XXXX decided to charge me for yet ANOTHER month of billing. So cancelling in XXXX 2014 and paying both XX/XX/XXXX and XX/XX/XXXX phone bills ; XXXX still decides to charge me with a XX/XX/XXXX bill! But because I no longer had autopay setup for the account, XXXX forwards the account to its collections company for hire - " WEST ASSET MANAGEMENT. '' When I finally received documentation for the extra month I " owed '' XXXX and contacted West Asset Management, they told me it could be resolved if I paid the amount in full and it would not affect my credit. I agreed even though I did not feel I owed the debt. 
Checking my credit and seeing it get decreased with all three bureaus because of a derragatory mark, I again contacted West Asset Management. They informed me that I had paid too late and that there was now nothing they could do to remove the debt. West Asset Management was dishonest with me about the terms of resolving this debt. 
To summarize, XXXX is very unscrupulous in trying to collect extra money from people who disengage their services. This was extremely disappointing that the manipulated end date of services in order to collect an extra month ; I had been a good customer on contract for well over two years who always paid on time and in full. In addition, West Asset management uses dishonest techniques ( as well as possibly illegal ) such as lying about settlement terms and threatening with lawsuits for collections. 
After the time and money sunk into fighting this issue with these XXXX companies, I would like these negative marks removed from my XXXX, XXXX, and XXXX Scores. I would also like other people reading these online to really reconsider doing business with a company like XXXX at all.
Product: Checking or savings account

On XXXX XXXXXX/XX/ the sale of my home was completed and funds were wired to my account. I checked my saving account Monday, XX/XX/, no funds, nothing pending, Tuesday XX/XX/XXXX again, no funds and nothing pending. Wells Fargo denied receiving the wire. The sending Tittle company confirmed that funds were sent. It wasn't until the Tittle company traced the wire and confirmed that Wells Fargo received the funds, Wells Fargo admitted they had received the funds, {$430000.00} Wells Fargo then claimed that it looked suspicious ( The Wire ) is why the funds were held. The protocol for that bank is to notify the branch manager, The branch manager was to notify me. This was never done, the branch manager was never notified, when the branch manager inquired about the wire the bank denied receiving the wire. This caused a lot of stress. And time trying to figure out what happened to the wire. Those funds were to be used for purchasing another home the six day delay caused me finical hardship, ( increased interest payments ) Plus stress wondering what happened to my funds.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX  dollars per violation and clearly they violated my rights.
Product: Money transfer, virtual currency, or money service

PayPal treats their customers horribly! 
I have had a PayPal account for 21 years, since XX/XX/XXXX. In XX/XX/XXXX I was notified that my account was suspended, and all my funds frozen for 180 days, according to PayPal, due to Acceptable Use Policy violation, whatever that means. At that time, I was informed that at the end of 180 days I would get instructions on how to transfer my money out of PayPal. I have filed a complaint with Consumer Financial Protection Bureau, to which PayPal has responded : PayPal will make any remaining funds available to me for withdrawal on or before XX/XX/XXXX, and PayPal will notify me of this via email. 
I logged in to my PayPal account on XX/XX/XXXX and found my balance ( {$270.00} ) was withdrawn by PayPal to zero, due to damages caused by Acceptable Use Policy violation damages. What damages?! I called PayPal and after a significant wait was promptly told by a representative that there was nothing she could do and when I requested to speak to her manager, she told me that the manager would tell me the same thing. When I insisted, she placed me on hold and never came back on the phone. I hung up after about 45 minutes of waiting. Customer service at PayPal is non-existent. 
The bottom line is that PayPal broke their promise and without notification or any legal judgement, PayPal has confiscated all my money. There was never any explanation on what the damages were, I was being charged for. After extensive research, it became apparent that PayPal has been using its policies to justify illegal and fraudulent practices of stealing money from its customers. A reasonable person may see when a breach of user policy may be used to prevent someone from using their service, but to take someones property without a court order or any legal process constitutes theft in any civilized society. No person in their right mind would knowingly do business with PayPal under these circumstances. There are thousands of complaints against PayPal and several class actions suits. What they are doing is wrong and should punishable by law!