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

This creditor is violating my rights under the Fair Credit Reporting Act - 15 U.S.C.1681 section 602 - states I have the right to privacy. Under 15 U.S.C. 1681 section 604a section .2 also states a consumer an not furnish an account without my written instructions and consent. 

TRIDENT ASSET MANAGEME is reporting I owe a debt of {$610.00} to them and this is false. I do not have an account with them nor have they provided me with a copy of the contract I have with their company with my signature.
Product: Student loan

After my XXXX payment to XXXX XXXX, I set up a recurring payment. I selected the option to pay the minimum due plus whatever amount I specified. I specified 10 extra dollars. I had to do the setup twice because the first one was only set to pay for XXXX but I wanted it to recur until the loan was fully paid. 

I logged in to XXXX XXXX on XX/XX/XXXX after receiving an email that the monthly statement had been generated. I did this in order to make sure everything looked correct for the first auto payment. When I logged in, I saw the next payment amount was only {$10.00}. I called customer support to see why this looked like this and asked if I should change the amount. the customer service rep assured me that it would take out the minimum amount due plus {$10.00} on the due date of XX/XX/XXXX. 

On XX/XX/XXXX, I received a call from UAS imploring me to pay my past due amount. I logged in and saw that I was only charged {$10.00} instead of the total due plus {$10.00}. Interest was also charged on XX/XX/XXXX and since it did not deduct my full payment, the interest was calculated at higher than it should have been. 

I called customer service again to 1 ) see why the payment didn't come out correctly when I was assured it would be on XX/XX/XXXX and XXXX ) if I could get some of the interest charges removed from my account since it was not my fault my payment wasn't deducted correctly. 

I spoke with XXXX who first told me they could not remove any interest despite what happened. She told me I should set up my automatic payment differently and manually type in the amount as opposed to the amount due plus 10. It was raised to an account specialist after my repeated request to remove the interest that was incorrectly calculated, though when I asked the name of the account specialist, I was told it would be sent to a general email. 

I have since paid the remaining balance and changed the auto payment, but I took screenshots and attached them to this complaint ( with my account number redacted ).
Product: Debt collection

I, consumer entered into a consumer credit transaction with Navy Federal Credit Union XXXX XXXX in or around XXXX or XX/XX/2021. I entered this transaction using my open end credit plan. I have been injured by the deceitful, misrepresenting of Navy Federal Credit Union. On XX/XX/2021 I wrote to Navy Federal a validation of debt and cease communication letter, according to the post office the letter was received on XX/XX/2021. Navy Federal continued to communicate with me via email, paper bill ( alleged debt ) and text message to pay on a invalidated alleged debt. I did not receive the 5 required items according to congress when a validation of a alleged debt is requested. On XX/XX/2021 I sent in writing a affidavit of truth, exhibits of individual actions/injuries alone with a invoice for remedy. Navy Federal Credit Union has willfully and knowing violated my rights as a consumer.
Product: Debt collection

I have sent multiple letters asking for verification of this debt. I currently have services with XXXX who Convergent is seeking payment for which doesnt make sense how i will have services but owe this huge amount. I have contacted the company numerous of times to get them to fix the amount owed and they continuously send me a bill that i don't remember and a bill showing a past due amount but not showing me where this information came from. I sent a letter for method of verification and i am not getting what i need.
Product: Mortgage

GreenTree/aka Ditech XXXX XXXX XXXX XXXX XXXX XXXX sold our mortgage to GREEN TREE who never notified us we had no ACCT # when we found them with the help of XXXX they took all of our next XXXX payments & applied it towards interest? 6 mnths to straighten that out!! Green Tree than with held our disability/accidental insurance payment in UNapplied Funds ... 3 mnths to FIX!! Talking to our XXXX insurance now we pay them direct & we spent another mnth getting the funds we paid to GT that was for insurance!! Than they pertain to buy us insurance they said we had no homeowners .GT was now going to bill us for more expensive insurance!! I took the letter to our insurance Company from XXXX to XXXX my insurance company FAXED the paper work 6 times & GT kept saying they were not getting it!! They keep our over payment in UNAPPLIED FUNDS They request & MAKE ME FAX & send CERTIFIED letters $ $ $ $ cost me lots of $ $ $ to put it in writing to ask them to apply my payment to our PRINCIPAL ... so we are being CHEATED on our Balance because FUNDS ARE HELD BACK. Than they really SCREWED with our ESCROW CHECK & XXXX off our Treasure played games saying they have XXXX 'd the check..when they never did. Now they billed me {$150.00} for an over payment on Escrow and when I was requested to send that out it was NEVER FOUND/or Applied to our loan when GT/DITECH researched this my Representative From GT had given us the wrong XXXX XXXX XXXX for XXXX CA ... our principle is off!! Interest # s off!? payments not applied when received? Months of never receiving a STATEMENT so we could not see our BALANCE!! NIGHTMARE CITY that is what GREEN TREE/DITECH/ XXXX COMPANY HAS DONE WITH OUR MORTGAGE ..BUT I have the letters..the documentation the WITNESS 's & paper trail GALORE to back all this up and it is my Goal with the thousands of other people being treated this way & you can read their story 's on line just by punching in GREEN TREE!! They have a whole XXXX LINK HEADER STOP GREEN TREE? DITECH/XXXX COMPANY!! This is the worst Company EVER to get a LOAN FROM!!! Two Years every 30 days we have to call to get our unapplied funds applied to our principal this Company is CRAZY ..you get XXXX number XXXX..you are either put on hold, transferred or hung up on!! The one day they put me on hold & went home? Found that out when I called back the next day!! There are XXXX Links that I found with people /strangers from CA to Pennsylvania to Florida & I am in Wis. that tell my story on line and I do not know them? This Company needs to be shut down!!
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, I sent {$15000.00} USD to my USD wallet on Coinbase from my debit card. I have level 3 verification which allows I believe {$25000.00} in a deposit, so this is within my parameters. 

I should be able to trade immediately, but not be able to withdraw for 3-5 days, which was no problem. I received an email notification that day that my withdrawal time frame had changed to 14 days. I received a follow up email a couple minutes later stating that I could not withdraw for 30 days - both due to " suspicious activity ''. 

Since XX/XX/XXXX, I have called Coinbase numerous times and emailed them. The " suspicious '' activity is that I deposited more than I generally do, however the deposited amount is within my verification limits, so this should not be " suspicious. '' The next day, I realized my ability to buy had been frozen, so as of XX/XX/XXXX, I could not buy any coins with the {$15000.00} that had cleared from my bank and was now officially in my Coinbase account. 

After several calls and emails, I was told these issues would be resolved within 5-7 business days. To clarify, there were two issues - ( 1 ) my ability to withdraw was locked for 30 days, and ( 2 ) my ability to purchase had been frozen. When talking to customer service, they were confused as to why either issue was going on, especially purchasing, as once the funds hit Coinbase, I should be able to trade immediately. 

So now I had to wait 9 days ( 7 business days + a weekend ), while {$15000.00} ( my entire savings ) was locked for purchase AND withdrawal. 

On Friday XX/XX/2018, I received an email stating that my funds would not be able to be withdrawn until XX/XX/2018 ( over two months ). The purchasing issue still has not been addressed. 

I was also told that even though my money is in a USD wallet, the amount can fluctuate up and down based on the price of Bitcoin. So to summarize, my funds are locked for 2 months, I can not purchase, I can not withdraw, and my total amount can go up and down. I have no access to {$15000.00}. I am a student with hundreds of thousands in loans, and I saved up {$15000.00} to put on Coinbase and they have essentially stolen it for two months. This is fraudulent, illegal, and unacceptable. I demand the ability to withdraw immediately and will not bring my business back to Coinbase. 

I will also note that I deposited the money so I could purchase BTC when it dropped to {$6100.00}. The evening of my transfer, it dropped to {$6000.00}, and a few days later, it is now at {$6400.00}. Coinbase, on top of everything else, prevented me from making an {$800.00} profit.
Product: Credit card

On XX/XX/XXXX charges were made on my bank of america ( BAC ) card from gametime tickets. Someone stole my info, set up an account in my name to purchase them that evening while I was away from home. I was on XXXXhe road with my cellphone and the only website I used was XXXX restaurant to get a meal. I alerted BAC and gametime of the fraud that evening. I told gametime to shut down any account created and to stop all transactions. On XXXX XXXX BAC  informed me that not all of the transactions would be refunded. XXXX claims someone took possession of the remaining tickets. I certainly did not and have never used gametime. BAC is not giving me the fraud protection for the charges by this hacking.
Product: Vehicle loan or lease

the last couple of months they took numerous payments from my account. It is getting too the point where they keep taking payments.
Product: Checking or savings account

Back in XX/XX/2020. I paid the balance off on my XXXX XXXX  card, the balance was {$130.00}, in XX/XX/2020 my account was charged twice for the same amount. I tried contacting XXXX that didn't work. I was unable to send a message from my online XXXX XXXX account about the error. After a few days, I filed a dispute with my bank for {$130.00}, my bank credited me {$130.00} - that amount was good until the bank completed their investigation. I was given a claims number and so on. On XX/XX/2020, my bank sent me a letter " as you requested, we have withdrawn your claim about a charge of {$130.00} on your account '' I never called or sent my bank a message asking them to cancel the claim. After I received the letter I called them to tell them. I ask for proof. I do not want that claim cancelled, and I do not want an overdraft on my account. I went to " help with my bank. gov '' they said they sent it to you, I never received an email from you. I checked my account I have with you, its not listed If you have a complaint ID, I would like to have that so we can go from there or else start with this. I want to emphasize again, I never requeste that my claim be cancelled. I did call the Office of Comptroller more than three times, telling them that something is wrong and that I never received an email from this website regarding the complaint I filed with them on XX/XX/2020.
Product: Mortgage

I purchased XX/XX/XXXX. XX/XX/XXXX I changed insurance companies and sent updated info to lender ( Paramount Equity Mortgage ). XX/XX/XXXX received letter stating Homeowners Insurance expired. XX/XX/XXXX called servicing 3 times for help. uploaded insurance invoice as directed. XX/XX/XXXX servicing is still has n't updated my insurance from 1 year ago and they do n't use the web site which they gave me and had walked me through to send the invoice insurance for payment. They answer the phone Paramount Equity Mortgage and then when questioned claim they are XXXX. I have had to pay my insurance to keep it from expiring. The money is being escrowed and should have been paid by the lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows two XXXX XXXX XXXX accounts that were charged off. At no time did I have two active accounts with them. Their records should indicate that the older loan was rolled over into the new one which they secured with my auto,. The car was totaled and they were paid all but XXXX for that loan which they settled with me and which settlement I paid in full.
Product: Checking or savings account

Reporting Attempted Fraud ( phishing attempt regarding Bank of America Checking Account '' : Received a text message from XXXX XXXX XXXX XXXX The message states as follows : " [ Service Update B.Of.A ] Your e-mail and phone number is being changed as you requested. 
If you did not make this request, please call XXXX XXXX XXXX Toll Free. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Capio is saying that I owe XXXX XXXX a debt. This is medical but they put it on my credit report which isnt supposed to happen. They keep calling at all hours of the day and get very angry and hostile when I try to explain that I had insurance during this time period. They dont want to bother listening to me or attempting to verify my truth. Ive asked to speak to managers and Ive never been provided with any. They always say theyll call back and never do. Id like this closed please
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Late Dates XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized inquiries on my credit report under the provisions of 15 U.S. Code 1681b, which outlines permissible purposes for accessing a consumer 's credit report. Upon reviewing my credit report, I have identified the following inquiries that I did not authorize : XXXX. XXXX XXXX XXXXXXXX XX/XX/year> ( TransUnion ) XXXX. XXXX XXXX  XX/XX/year> ( TransUnion ) These inquiries were made without my knowledge or consent, and I believe they constitute a violation of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1681b, credit inquiries should only be made with my explicit authorization or for legitimate business needs as defined by law. 
I am requesting that these unauthorized inquiries be removed from my credit report immediately. Enclosed are copies of my credit report with the unauthorized inquiries highlighted, along with copies of my identification and any other relevant documentation to support my dispute. 
Please conduct an investigation into these inquiries and notify me of the outcome.
Product: Credit card

I 'm finding it impossible to access my WalMart credit card statement. WalMart promised me a refund of {$230.00} for a botched delivery, but I ca n't get them to fulfill that promise.
Product: Debt collection

Voss & Klein XXXX XXXX XXXX XXXX, XXXX XXXX, FL sent me a letter attempting to collect payment for a bill from XXXX XXXX which I do not owe. The former management of my XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX, sent XXXX XXXX to my condo to repair a major water leak. It was determined that the leak originated in the unit above mine and that the pipe through which the water was flowing was the responsibility of the HOA to repair. Voss & Klein claims I did not pay for the repair, however, I did NOT receive a bill, the invoice was sent directly to XXXX XXXX. I actually called XXXX XXXX because I needed a copy of the report on the invoice in order to put in a claim for damage to the floors in my home and I was denied. XXXX XXXX told me to get a copy of the invoice as they were responsible for bill payment and the client of XXXX XXXX. I submitted the invoice billed to XXXX XXXX : invoice # XXXX in the amount of {$480.00} dated XX/XX/22 to Voss & Klein as proof that I did not owe anything. In spite of my attempt to get this resolved Voss & Klein sent me another threatening letter claiming I owe {$690.00}.
Product: Credit card or prepaid card

The payment got deducted from my account. I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 for 30 days late??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Checking or savings account

I closed my bank account with Chase Bank in XXXX. I received a letter in the mail stating I owe {$220.00}, I received no communication from this bank for almost 4 months. They have been outrageous to deal with. And unprofessional. They have stated that it was in regards to an old claim that they have not communicated anything to me at all for months. I havent received a letter from chase claims, or email or any phone call. I received a random letter dated XXXX XXXX XXXX  and received it by on XXXX XXXX XXXX
Product: Debt collection

15 U.S. Code $ 1681c-2 consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four business days after the receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! 
Names : XXXX XXXX XXXX, XXXX XXXX XXXX Collections : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX ( XXXX ) XXXX Account number XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX Account number XXXX XX/XX/XXXX Hard Inquires : XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!! Under, 15 U.S Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts
Product: Credit reporting or other personal consumer reports

I have disputed this account twice saying that I have paid this off. They responded by saying it was sold in XXXX but I paid this account off in XX/XX/XXXX. Its reporting as a XXXX.
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 request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Accounts XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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
Product: Checking or savings account

I received a text message from XXXX XXXX about a withdrawal from my acct that was not me for XXXX dollars at a XXXX in some town in California that Ive never even heard of. I clicked the link and put in my information because I was panicking but then once they asked for my social security number I immediately knew it was fraud and called XXXX XXXX to change all my information.
Product: Mortgage

Seterus Inc has been holding my {$50000.00} hardest hits fund for over 4 months claiming a " system issue ''
Product: Money transfer, virtual currency, or money service

Im actually contacting in regard to the checks issued by Lexington Law Firm. Ive been a customer since 2011 and was curious as to if Im eligible to receive a refund check.
Product: Debt collection

This account is not mine/I have no knowledge of this account/I have never opened an account with this creditor. 

I have disputed this collector for a few years and they refused to remove this from my credit report. I never signed any agreement or gave any of my personal information to this company. They keep reporting on my credit account though I owe them nothing.
Product: Credit reporting, credit repair services, 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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.