23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

XX/XX/year> I reached out to Pay Pal after playing an XXXX XX/XX/XXXX. I had a friend doing it as well in XX/XX/year> was the actual date. 

Upon sending the XX/XX/XXXXXXXX what is now my understanding was Anonymous a well known criminal internet hacking, money embezzlement scheme. The FBI is trying to infiltrate this group for years now. The handle on XXXX is Anonymous Collective. They come up each Sunday on XXXX and thru that XXXX XXXX account and ask for XXXX dollars. 

The email has been changed on PayPal connected to this Anonymous account. When I contacted this account on XXXX they refused to refund the funds. I called to inform PayPal XX/XX/XXXX. XX/XX/XXXX about the XXXX this organization is wanted by the FBI I would later understand. The PayPal agent then spoke to his supervisor I was later asked to upload the messengers conversation I did. 

I explained it was a friends family sent they said no worries in special cases we can assist under circumstances such as these. We will help you out so uploaded everything and in PayPal. They told me to do a stop payment at my bank & that it wouldnt effect me, I contacted the Anonymous account no response which is required.

Later w/out a response or solution to the investigation PayPal choose to let them slide and locked me out my PayPal requesting XXXX XXXX They have been calling being abusive about XXXX $ XXXX XXXX owe them. 

The issue under friends and family is criminal organizations can do business it isnt enforce guidelines or deal with such fraud under friends and family. There are two things in the help page one it says yes you can dispute a transaction if you have reached out I read it to PayPal. Then they say under Friends and Family you can dispute it even if we know its an illegal organization.

I am locked out my account after they told me it was fine to do a stop payment. And that they would investigate after I uploaded the XXXX the documents of XX/XX/year>. PayPal has been calling harassing me texting me. Calling being abusive and very hostile and aggressive. But they will not deal with criminal activity with such a high profile organization. 

I am not paying XXXX $ to PayPal they honestly owe me which they did offer me XXXX $ but still wanted me to pay them XXXX $ XXXX dont owe them to get my account unlocked. XXXX of dollars come into that Anonymous account yet they can continue to do evil and PayPal is allowing it yet want to squeeze XXXX $ out of me and harass me about it My PayPal email is XXXX XXXX XXXX XXXX YES I have the request on PAYPAL to the XX/XX/XXXXXXXX account for refund no response.
Product: Checking or savings account

In XXXX or XX/XX/XXXX Suntrust Bank closed my Checking and Banking account without any explanation. 

I called the office bank no explanation was given all I was told that it was fraud. 

After about a month they gave me permission to get my money release from my checking. 

I've was asked to prove my identity send in documents to prove my business. 

How does a bank ask you to prove your identity when I've been banking with them over 5 years. 

I did this and it hadn't made a difference they still have my funds. Now they keep telling me call back every 5 days. 

I am.beyond frustrated. I feel this basically all over my Race as a XXXX XXXX I have to committing fraud. 

I have a legitimate business. My business account funds are being held. 

I know somewhere this is totally against the law in America. 

They also made it impossible for me to open another account with a financial institution. 

It's XX/XX/XXXX. Still waiting for a apology and my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 Date of inquiry XXXX XXXX
Product: Money transfer, virtual currency, or money service

Physical action was not taken but all the communication was done by via chat and the people behind that chat was really rude and unprofessional - telling me that I had to make a deposit of {$20000.00} to be able to withdraw my money and if I don't do that, my account will go on a frozen status and my information will be transfer to the US government because I was doing some laundry money - I told them to subtract the money off my account and they said no - because they were unable to do that and for me to withdraw the money - I needed to make the deposit Please refer to the letter attached
Product: Credit reporting, credit repair services, or other personal consumer reports

Ocwen Loan Servicing is reporting on my credit report a late payment in  XXXX  of 2016 and failed to fix the problem I attached a letter from Ocwen verifying and confirming the error but they still failed to address error
Product: Student loan

I was approved for a forbearance ( documents attached ). I have tried to contact NelNet via phone and email for over a week with hold times of an hour or more, never being able to speak to a customer service agent. As I type this I have been on hold for 35 minutes after calling right at XXXX with an estimated wait time of 2 minutes. 

NelNet is going to report my account 30 days late for a payment not being made in XX/XX/XXXX, but my forbearance letters ( attached ) say I do not have a payment due until XX/XX/XXXX. 

I have worked very hard on my credit over the years and my employment depends on having a healthy score. A 30-day late will destroy my report. There are no other options to contact NelNet and I have to work so I can't sit on hold for more than an hour which I'm sure is true for most people. I tried using the chat feature but it is only AI and was not helpful.
Product: Mortgage

I received a letter from XXXX XXXX, XXXX stating that an escrow refund check in the amount of {$900.00} from XX/XX/XXXX had not been cashed, and they needed me to fill out a form stating that the original check had been lost or was never received so they could re-issue. The letter was dated XX/XX/XXXX, and I returned it to the original sender, XXXX XXXX of LoanCare , LLC ( XXXX ), on XX/XX/XXXX. I guess my understanding is that LoanCare is the servicing agency for XXXX XXXX? Regardless, after receipt of our signed letter, XXXX XXXX stated issuing the check would take 7-10 days to process, and then mailing time. As of XX/XX/XXXX, we still have not received our check and are concerned about the status of it.
Product: Credit reporting or other personal consumer reports

I've contacted XXXX several times to dispute the reporting of a bankruptcy to my credit files and have yet to receive a resolution from XXXX. I am filing this complaint to request that XXXX delete this unverified, old and obsolete bankruptcy from my records with them off my credit reports with Experian, XXXX and XXXX. I have previously disputed this bankruptcy record with the credit bureaus and they have verified the item as accurate several times, stating that the credit agencies had verified the information with the court. On XX/XX/2024, I contacted the U.S. Bankruptcy Court, XXXX XXXX XXXX XXXX via certified letter. On XXXX XXXX, I received the attached letter response from the U.S. Bankruptcy Court. According to the attached letter from the U.S. Bankruptcy Court, the court is not reporting this bankruptcy to my Experian, XXXX or XXXX reports and the court has not verified, updated, or validated any information that is being reported. See attached confirmation of this information from the U.S. Bankruptcy Court, XXXX XXXX XXXX XXXX. This unverified bankruptcy is apparently being reported by third party record provider XXXX without any validation or verification that the bankruptcy information is accurate or up to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My personal information has been compromised. Someone has opened up fraudulent accounts in my name. I did not authorize any of these accounts. I am a victim of identity theft and I am being further victimized by the bureaus. Please investigate these fruaudlent accounts from my credit report. I am trying to buy a home for my family and these fraudulent accounts are casuing me and my family emotional distress.
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 of my account transactions.
Product: Mortgage

my home is being foreclose on with fraudulent assignments. All of companies listed in the chain of title are all robo signed. AURORA WAS SOLD IN XXXX the last assignment was transferred by XXXX  is clearly fraudulent. the XXXX XXXX sold and traded millions of fraudulent loans and my loan was one the millions The accounts numbers were changed alternation of the contract is voiding the contract signed in XXXX. This loan was apart of the global wide settlement act with the USA department of justice. I mailed 2 QWR and a debt validation letter neither have been answered
Product: Payday loan, title loan, or personal loan

I apply for a loanme XX/XX/XXXX for {$2500.00} at {$300.00} a month of payment feed for 12 months the company contacted me around XX/XX/XXXX about some other company will be colllecting payment on the my personal loan as of XX/XX/XXXX the balance was {$1200.00} I made A paymnet of {$300.00} XX/XX/XXXX and XXXX on XX/XX/XXXX on XX/XX/XXXX I contected loanme to make a payment loanme inform me that the my account was charge off without inform me and after I made a payment XX/XX/XXXX and XX/XX/XXXX I contected the collecting agence the inform the loan said my last payment was made XX/XX/XXXX will I have made 2 payment XX/XX/XXXX and XX/XX/XXXX and don't understand why loanme charge off my account and I was make payments and loanme said my bal was {$1500.00} and bal as my understanding should be {$750.00} after I made the 2 payment XX/XX/XXXX and XX/XX/XXXX I ask for my paymnet history they inform me they don't have my payment history because they charge off my account why I would like to happy my chargeoff recalled and my payment history and my corrected bal Loanme Account # XXXX PH # XXXX Collection Company XXXX Account # XXXX PH # XXXX Please Help Thank XXXX XXXX XXXX PH # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

They several times charged me overdraft fees when they shouldnt have
Product: Credit reporting, credit repair services, or other personal consumer reports

A

debt collector has reported negative on my credit, claiming I owe them money. Which I dont owe them. They never notified me send a text twice only. After seeing on my report. Filed a dispute with experience but with 10 hours they finished their investigation. When I call them, I couldnt get in touch with representatives as they werent available. I dont owe any company any money. Experian has not reached out to me or know the whole story and made a decision. They give you limited space to write dispute online and no representative is Available to speak.
Product: Credit card

Was fraudulent charge from XXXX for XXXX on XXXX XXXX 2024 tried to dispute but they didnt resolve issue
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting to the credit bureau that we are 30 days late on our XXXX payment. This information is incorrect. Our mortgage was paid by 3rd Party HAFS program. The program states our mortgage for XXXX was paid on XX/XX/XXXX. XXXX  has misplaced the payments or applied them to the wrong account. We are not responsible for incorrectly applied payments.
Product: Checking or savings account

In XX/XX/2022 I sold my house and the money from my home I had it wired to my bank account at State Employee Credit Union. I have bank with this Credit Union for over 8yrs and have never had any problems with my accounts. After we sold our home someone broke into my stuff that was packed in boxes and they took all of my belongings including DL, SS cards, birth certificates, tax documents etc. On XX/XX/2022 someone wrote a check for {$150.00} and cashed it on XX/XX/2022 in SC XXXX. Well then I started noticing that there were transactions being made that wasn't approved by me or my fiance. I started seeing {$1000.00} atm withdrawls and transactions to online stores. I notified the bank asap. The gentleman froze my account and open me up a new account however he linked the old to the new account. That left It so whoever was doing the activity were still able to have access. By the time I realized it my account was practically wiped out. I spoke with a lady at the care line and she stopped that account sent me a new debit card and a new account without it linked to the old ones. When speaking with customer care I was told to file a police report so I did and notified the fraud department as well. I was reassured that my account would be credited bc it was very obvious of the fraudulent activity. When banking with XXXX your atm withdrawls are up to {$500.00} at one time but no more than a {$1000.00} in one day, however this person was doing {$1000.00} withdrawls at one time, someone put overdraft protection on my account so they were moving $ and it was charging me some really high fees. I never recieved a phone call asking me if it were me making the transactions. I went into the XXXX XXXX location and sat with XXXX XXXX for XXXX XXXX hours and went over the transactions that weren't mine. He kept reassuring me that my account would be credited. Now I've come to the detective that assigned to my case was able to identify who wrote the checks. I recently received a letter stating how my account would be credited. But it hasn't, happened and the detective will not return my calls or texts. Now the bank manager XXXX will not answer my calls nor will he call me back, the tellers are screening phone calls. I was on hold for almost XXXX the other day and the lady said 5min ma'am. A couple weeks ago I spoke XXXX XXXX and again he reassured me I would be credited. Basically telling me what I wanted to hear. Then customer care and they said they mailed a letter but I never received a letter stating that due to my fiance using my atm card then they arent held responsible and they aren't credited my account. However I still haven't spoken w the detective. And I haven't recieved any credit for the checks forged. If you take my beginning balance and subtract a transactions then there is {$11000.00} just missingike it disappeared. I didn't do anything fraudulent neither did my fiance. When speaking w/ XXXX he knew my fiance used the card bc I was trying to add him but his DL were in my purse that was stolen and not once did XXXX say that it was going to be a problem.
Product: Credit card or prepaid card

I have been receiving a monthly security card fee on my Amazon that I have no recollection of signing up for. I just so happened to check my account and there it was. I had spoken to the company who were more than willing to cancel said fees but would not help me at all on the return of said monies. According to the gentleman I spoke to on the phone, I purchased this so called card security on XX/XX/XXXX but didn't start getting charged this fee till XX/XX/XXXX. It appears to me that this fee popped up out of no where.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX - Balance {$390.00} AXXXX XXXX XXXX XXXX XXXX - Balance {$1200.00} Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance {$370.00} Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance {$220.00} Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance {$5800.00} Date opened XXXX XXXX XXXX XXXX XXXX XXXX - Balance {$1200.00} Date opened XX/XX/XXXX Unauthorized inquiries XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts appearing on my credit report, and I cant figure out how or why this happened. Ive been checking my credit report regularly, and everything was fine before, but now, discrepancies have suddenly shown up. I even tried refreshing my browser, hoping it was a glitch, but that didnt fix anything. These inaccurate accounts stayed there no matter what I did. Im begging for the documents Ive sent to be reviewed carefully so I can stop living in fear and uncertainty over this.
Product: Money transfer, virtual currency, or money service

I transfered XXXX from my bank account to COINBASE. I did it 20 days ago and I have n't recieved the money into my Coinbase account. I have tried to contact Coinbase via email and phone in several ocasions and I have not recieve any answer. Attached is the bank transfer confirmation for a faster solution to my problem. 

My Coinbase account email : XXXXXXXXXXXX
Product: Debt collection

I am a XXXX year old female who has been XXXX since XX/XX/2017. 

I have been unable to get the medical care needed because my phone and emails have been hacked and re routed to XXXX XXXX, a collections company that has nothing to do with health care. 

They access private medical records and apply fictitious charges to billing accounts to generate cash flow revenue for facilities and for their unjust enrichment. They work with Navient to collect student loan debt. I do not owe student loans anymore, they are attempting to collect on legally unenforceable debts. 

They are committing fraudulent, misleading acts that are UDAAPs in violation of the CFPA. 

They are under a legal obligation to comply with the FFELP and the FDCPA, and willfully choose to conduct deceptive acts to steal money without consumers knowledge ... i do not owe them anything, never signed a legally binding contract with them, and they are jeopardizing my health and well-being and finances. 

They are essentially commtting attempted murder in this instant case. 

They have no authority or right to impersonate a health care facility and interrupt my healthcare. 

I will be naming them in a lawsuit filed in the district court. I want them to remove my name from their records and leave my life and affairs alone. 

This is not legal. It is a severe infringement and they are criminals as well as civil violators.
Product: Debt collection

I received no notices of debt from Americollect, but they keep reporting on my credit. I have not done any business with them.
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an 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 card or prepaid card

I had recently applied for a store credit card ( with Cabelas ) partnered with Capital One. 

My application for credit card was denied per their letter dated : XX/XX/2019 Application ID : XXXX The reasons stated are very vague -- there are 5 reasons stated in the letter ( see the attached denial letter ). 

I am questioning their ( Capital One 's ) methodology regardless of the good credit bureau ( XXXX XXXX   credit report/score ). 

They need to be more specific in their denial and prove how I could be a high credit risk for this company. 

I have 30 year long and impeccable credit history with significant assets. And if this company is going to deny my application for credit then I need to understand, the public needs to understand and the FTC needs to understand the workings and short-comings of this process. 

I also wonder, if a person with good financial standing can be denied credit then what would be the plight of people who are not impeccable in their financial standing but in need of credit. 

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

I recently checked my credit report and noticed all these inquiries on my report. I did not authorize any inquiries into my credit report. 
The inaccurate information mentioned above is negatively impacting my XXXX XXXX and financial standing. 
I kindly request that you investigate this matter promptly and remove the inaccurate information from my credit report. 
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: Credit reporting, credit repair services, or other personal consumer reports

The consumer reporting agency is in violation of 15 usc 1681. documents have been attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

My data was hacked as part of the Equifax hack. It would be great if Equifax pays to put a credit freeze on all 3 credit bureaus.Right now, they are not doing that. please put pressure on Equifax to protect its consumers and right the wrong done. Right now, they provide a 1 million credit theft insurance but I have to discover it 1st and then spend umpteen hours with credit bureaus to fix it and fill up umpteen forms. Putting a freeze on my credit bureau accounts prevents it in the 1st place. 
I signed up on their www.equifaxsecurity2017.com site but as i said it does n't put a credit freeze on my account on the 3 credit bureaus as recommended by XXXX XXXX - XXXX XXXX XXXX