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

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please delete this account immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My loans are currently serviced by FedLoan as part of my enrollment in the Public Service Loan Forgiveness Program. I have asked for an accurate count of qualifying payments and it has been about a year without a response ( in their records I asked for count in XX/XX/XXXX, but I asked for manual recount in fall XX/XX/XXXX AND XX/XX/XXXX ). The current count listed in my account on the Fedloan website is incorrect. The National Student Loan Data System does seem to have an accurate count ( per my records ). I would like an accurate count per Fedloan so that I know how many qualifying payments are remaining before my loans are forgiven.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had disputed the following three accounts with the three bureaus over the past 6 months, sending three letters requesting validation as well as incorrect information. Each time I get a response back verified without sending me the information I specifically asked, how did you validate? Show me proof. Show me a signed contract with my signature. These three accounts have different information reporting on all three bureaus which also violates my consumer rights. It has been three letters to no fix so now I am asking for a full DELETION of these 3 charge off accounts asap. 

I am enclosing a copy of the most recent letter sent to all three bureaus. 

XXXXXXXX XXXX XXXX XXXX reports last payment on XX/XX/XXXX and XXXX ( No lates ) ; equifax reports last payment of XX/XX/XXXX with one 30 day late in XX/XX/XXXX ; XXXX  reports XXXX since XX/XX/XXXX with no last payment date. 
2. XXXX XXXX equifax reports 100 % paid on time with last payment on XX/XX/XXXX ; XXXX  reports XXXX late payments and last payment on XX/XX/XXXX ; XXXX  reports first 30 day late XX/XX/XXXX. 
3. XXXX XXXX equifax shows late In XXXX, XXXX, XXXX, XX/XX/XXXX ( XXXX ) with last payment on XX/XX/XXXX ; XXXX shows late XXXX, XXXX, XXXX, XX/XX/XXXX ( XXXX ) with last payment XX/XX/XXXX and XXXX reports late XXXX, XXXX and XX/XX/XXXX with collection XX/XX/XXXX with no last payment date. XXXX also reports this as a insurance claim or terminated for default ( not true being I have the furniture In my home ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an amount of {$86.00} that was due and was reported by XXXX XXXX. On XX/XX/XXXX i call and paid them the {$86.00} dollars and they charged me an extra {$4.00} dollars to do it over the phone with a credit card. Now when I look at my credit report. They say it is closed and in the remarks it said the consumer disputes this account information. I even have the receipt that they sent me the day that I paid it. They need to correct it and show that i did pay the full amount and not say its closed by a dispute.
Product: Money transfer, virtual currency, or money service

Crypto.com services are provided by Foris DAX , Inc. and its affiliates ( XXXXXXXX XXXX XXXXXXXX ). Cryptocurrencies offered by Foris DAX , Inc. and its affiliates are not FDIC or XXXX insured. 

Securities are offered to U.S. persons by Foris XXXX XXXX XXXX. Foris XXXX XXXX XXXX is an SEC-registered broker-dealer and member of FINRA and XXXX. 

Crypto.com company is denying me access to my funds in my account in their platform.

I have been trying to withdraw funds from the crypto.com platform back into my bank account with no success for more than 2 months now ever time I contacted them I get the same generic response that they are have resolved my issues and when I prove it hasn't been fixed they tell me my concerns has been escalated for further assistance then several days later my correspondence gets cleared and I don't hear anything until I call them again and restart the process all over again.

It has been months and I have not received a resolution or got my money back.

Please help
Product: Checking or savings account

I bank with capital one account ending in XXXX and I typically receive early paycheck deposit since my ACH deposit is set up. It has been over 72 hours, and I still have not received my direct deposit. When I called I waited on the phone for over 81 minutes and was disconnected once I reached an agent. They have not communicated at all and there are bills that need paid from my account. I have heard nothing other than they were looking at the problem during an automated email sent at XXXX XXXX  on this past Thursday the XXXX. I was supposed to be paid on the XXXX.
Product: Student loan

I completed a income driven repayment plan back in 2015. 
A month or so later I received a bill for my loans. I contacted Navient and the rep told me that one of my loans did n't " catch '' in time before I completed my repayment plan. He told me that he would go back and redo it and that things would be taken care of. I am still getting bills for " unpaid fees '' even though my repayment plan is {$0.00}. I spoke with a rep recently and she said that there was nothing in the account noting that and that it was my fault I filled out the application late.
Product: Money transfer, virtual currency, or money service

I wanted to transfer money to XXXX via Instarem. I was asked to do a wire transfer from my bank. I immediately did and the transfer was processed. But Instarem sent me a message that XXXX is cancelled due to non-payment. This is a very insensitive, callous, irresponsible way of handling such a big amount of a customer. You can send me email or call asking for information. Before transferring I asked questions, that you are giving me a vague account information to transfer you money. The service rep mentioned it is fine to transfer. 

Instarem should be penalized for such act. This is utter highhandedness for someone whom we are entrusting to handle our money.
Product: Debt collection

Reported this account is not mines uploaded police report attached and a new id and social security was sent out to me name CELTIC BANK/CONTFINCO Account number Account type Credit card Responsibility Individual Date opened XX/XX/XXXXXXXX  Status Closed. {$910.00} written off. 
Status updated XXXX XXXX  Balance {$0.00} Balance updated XX/XX/XXXXXXXX  Recent payment - Monthly payment - Credit limit {$750.00} Highest balance {$910.00} Terms
Product: Credit card or prepaid card

In XXXX I subscribed to a movie service called XXXX for XXXX. I found out when I tried to use the service that there were additional fees not advertised. I tried many times with the company to cancel.Finally, I disputed this charge with Citibank and was told I received a credit for the dispute. The next day, XXXX put through an additional charge without my knowledge or consent. I contacted both XXXX and Citibank and was told at one point that a permanent credit was issued for both charges and the dispute was resolved. However, they have not credited my account. I have received different answers from everyone I talk to at Cit. I am really tired of calling, writing letters and trying to get back money that was charged to my account without my knowledge or consent.
Product: Debt collection

I received a bad high impact on my credit report by XXXX claiming that I owe XXXX on my last bill before leaving XXXX phone company because its horrible customer service. I paid in full the last bill than canceled my account while in the store. XXXX is claiming the cancellation wasnt done and charged me for an additional 3 months including the device cost because the store representative did not return the XXXX  equipment to the headquarters before quitting. The amount XXXX claims I owe is ridiculously high and has caused my credit score to drop, these practices are unfair for a person who pays all his bills on time.
Product: Student loan

I spoke with Pennslyvania Higher education this month and on that call I requested to arrange a lower payment or some sort of plan. I was told there were none available to me at this point. The man stated on the phone if I made my full payment in XX/XX/XXXX my taxes would not be taken from me, when i called today because they called me yesterday they stated they sent to the IRS yesterday to take my returns. I asked to speak to a Supervisor and she informed me there was nothing I could do I told her I spoke with them and siad nothing would be done with my taxes unless I missed anotherIr XXXX. which I have no idea how! I attended XXXX College in XXXX CA that is no longer there I was promissed every quarter to get on the job experience while I attended and it never happened they told me this was part of the program I graduated without every once stepping into any hands on training of any kind. I 'm currently unemployed and a single parent I 've never been able to get a job in the field most places claiming because I have no hands on experience. This student loan has ruined my life, I can never buy a home and constantly have poor credit no matter what I do. Please help me if you can. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I Recognize un-authorized activity on my Coinbase account. I asked them to lock my account. XX/XX/2021 I learned that my email account XXXX had been compromised, the unauthorized access was used to gain access to my XXXX, XXXX, and XXXX accounts. XX/XX/2021 I secured my e-mail address with XXXX, changed my password and established XXXX using my phone. I also worked with Coinbase to secure and re-establish my account. We set up XXXX using my e-mail address. Someone has gained access to that account somehow and has changed the security settings removing my phone, voiding my e-mail address as viable contact and has established XXXX on it using another device. The hacker and Coinbase have effectively locked me out of my own account and has seemingly transferred ownership to someone else. I had about XXXX in my account. I had sold all my XXXX XXXX and had converted it to cash {$2800.00}, I was holding about XXXX {$900.00} XXXX and {$45.00} XXXX. I had verified XXXX on my bank accounts with my phone and removed them before I lost access
Product: Student loan

TX GUAR XXXX is reporting inaccurate information to the credit bureaus. I have XXXX accounts that are affecting my credit. The information is inaccurate and there is no documentation to show for it. I do not understand how they would claim my loans as charge offs when i consolidated them before they were out of my deferment time from being a student.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX 2020
Product: Mortgage

I 've receiv ed four letters i n the last month fro m PHH M ortgage in reference approximately {$10.00} in additional escrow payments. Each letter I receive for additional money for my monthly mortgage payment is followed up by me with a phone call to their customer service. I always ask to speak to a representative in t he U. S. A. t o insure their is no language barrier.  <P/> My conversations with  PHH c  ustomer service representatives indicate their is no issue with my mortgage and I am current with my mortgage payments. Within a week of the above conversations, I received two letters form PHH stating I owe  them money for late payments, including the next months mortgage payments.  <P/> The most recent letter form  PHH states they have not received my current month 's payment and is a notice of the creditor 's ( PHH Mortgage ) intent to enforce a lien against my property. I followed up on this ( third ) letter to PHH customer service re presentative  XXXX   XXXX  who assured me there will be no lien on my property and my payments are current.  XXXX  advised  that PHH Mortgage is a large company and it is impossible to communicate with the person ( s )   who are responsible for late/missed payments.  <P/> To his credit,  XXXX   XXXX  sent me an e-mail indication my mortgage payments are current and no money is owed to   PHH Mortgage.
<P/>
This complaint is to inform CFPB that PHH Mortgage is sending harassing letters with false information to customers and continue to send inaccurate information to customers, via weekly letters to respond with additional money not owed to PHH Mortg  age.
Product: Payday loan, title loan, personal loan, or advance loan

I have a title loan with Title Max in XXXX Arizona the branch is on XXXX XXXX and XXXX XXXX. First, they gave me a loan that was 3 times more than the legal interest rate cap of 36 % violating the financial rights of consumers and I did not even realize it until I started paying it off. I have to be late this month with my payment because I had a death in my family, and I had to pay for cremation costs and more. I called down to the branch and spoke with XXXX, he told me there was nothing he could do and that I am in jeopardy of getting my vehicle repossessed. They are doing unlawful activities and not treating their costumers well. I want to make this complaint because they need to give me a grace period and I will make two payments on the XXXX of XXXX to catch up. I have never done business with a company that had no consideration like this and out to burn people for their money.
Product: Prepaid card

There was an unauthorized charge on my vanilla gift card. 

purchase date : XX/XX/year> Amount : {$490.00}
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Capital One Auto Finance regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing and I believe my privacy rights have been violated. 

On XX/XX/XXXX, I notified Capital One Auto Finance that I am opting out of all authorizations, whether written, unwritten, verbal, or nonverbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 

I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution. 
Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have a reason to believe Capital One Auto Finance has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing including the potential for identity theft, fraud, or other financial harm. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Capital One Auto Finance complies with all federal regulations and las, including the GLBA, to protect the privacy and information security of consumers like me. 

Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by Capital One Auto Finance. 
Please feel free to contact me at XXXX or XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights.
Product: Debt collection

This is not my debt anymore and it needs to be IMMEDIATELY removed from my credit report
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthrizes accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Consumer Loan

I had an vehicle loan through Wells Fargo Dealer Services ( WFDS ) which I recently paid off ( XX/XX/XXXX ). Upon closure of the account, WFDS added a line to my account that said " Consumer Disputes After Resolution Closed Or Paid Account / XXXX Balance '' to my Credit Report. 

This is inaccurate - at no point have a disputed anything related to this account, and it has negatively affected my credit score, over XXXX points for TransUnion. I have sent a fax to the Wells Fargo Credit Dispute department asking for them to remove the line, and they have been wholly unresponsive after a month. 

I did write a Goodwill Letter to them this summer, asking if they would remove a 30 day late payment from XX/XX/XXXX, however I have never disputed the late payment.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted a complaint through the CFPB website portal. In regards to an account by the name of " XXXX XXXX '' that Equifax has placed on my personal credit report. I filed several disputes online as well with Equifax requesting them to reinvestigate the accuracy, completeness and validity of the account information. But on XX/XX/XXXX after Equifax had done their investigation. They sent me the results from my recent dispute. And it stated that XXXX XXXX  claimed that the account information was accurately being reported. Which in fact is not true, because " the date of first delinquency '' under this account is being reported on two different dates. One date says XX/XX/XXXX and the other date says XX/XX/XXXX? I'm demanding that Equifax remove this account entirely off my credit report. For failing to conduct a proper investigation on my behalf to protect my consumer rights under the Fair Credit Reporting Act. [ Enclosures : Photo Drivers License, Bank Statement, Equifax Dispute Results and Intent To Sue Letter ]
Product: Consumer Loan

I attempted to contact Lending Club using the provided email addresses. I wished to pay off my business loan. The website allows you to make withdrawal requests. But you can not pay your loan online. The loan note has a paragraph which provides a mailing address to pay your loan. I sent payment, but it was never processed. The note payments are automatically taken from my checking account each month. Essentially, you can make withdrawals, but you can not pay off the note. Lending Club does not answer any communication by email even though their website lists XXXX different wmail addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

My sister and I have a home mortgage with Wells Fargo issued XXXX of XXXX. In XX/XX/XXXX we had a business fail and we declared a Chapter XXXX bankruptcy but did not include the home mortgage. We did not realize until we tried to refinance in XX/XX/XXXX that Wells Fargo never reported on my sister 's credit that she had a home loan and that in XXXX of XXXX Wells Fargo stopped reporting on my credit and stated our loan was terminated. ( lesson learned check your credit at least once a year ). the institution i was trying to refinance with to use my VA thought i was committing fraud but all this came up after i paid for the appraisal and paid for a lock on the rate. ( about {$800.00} total ). In XX/XX/XXXX we contacted Wells Fargo to try to straighten the mess out because financing VA and having an FHA loan triggered a CAVIRS flag with FHA because of the " terminated '' on my credit. Yet the entire time Wells Fargo sent monthly statements and we continued to pay the house payment on time monthly. We requested as did our refinance lender, the payment history and to straighten out the reporting. This was in XXXX and now in XX/XX/XXXX Well Fargo still needs more time to provide a payment history and correct the reporting. As a result we had to withdraw the loan application and now we are out the {$800.00} we spent trying to refinance. We have talked to many levels of Customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Date of issue : XX/XX/XXXX Wells Fargo Bank, XXXX. 
Check Number XXXX AMOUNT OF FUNDING {$13.00} " XXXX And XXXX/XXXX Dollars Originally my total amount, facts are suppose to claim a number of {$130.00} " Pay to the Order of : XXXX XXXX '' XXXX As soon as I realized that my account was still active and still running that I contacted XXXX and made sure that I got a refund request to them and I had to make sure that it get processed correctly so that was in my XXXX weeks to XXXX weeks that's not even from Wells Fargo so technically the account was supposed to be closed probably like 8 months and there's two account activity so same XXXX account but two different apps so it's considered two different policies two different accounts will XXXX pay so prior that of me requesting a refund XXXX actually contacted me first and implied that there were two accounts in my name with the same email because of the two different apps so one had the card and one didn't not realizing but I didn't approve of those purposes there was three different three four different purchases one was for like {$150.00} and then the others were no more than {$40.00} so regardless XXXX and XXXX cents still waiting get nowhere without having a XXXX  explanation what the XXXX XXXXs going on at least I XXXX  summary right cuz money we have to get put back into that account and then wherever it went from there I would want to see it deducted of a list that's why there's monthly summary reports all I ask is for a sheet of everything that has my name on it that has ever been processed into that system I have a investment package from a previous employer round table XXXX XXXX from XXXX XXXX it was initially put into my account signed by the owner himself and XXXX THEN JUST THE CHECK HERE THAT I HAVE XXXX AND XXXX CENTS THAT ORIGINALLY SHOULD BE ON THE CHECK BUT THERE'S I SIGNED IT BUT I WAS NEVER GOING TO GOING TO XXXX DEPOSIT IT CASH IT WHATEVER TRANSFER WHATEVER THE XXXX! I'M JUST CALL ME PATIENTLY WAITING SO NO ONE COULD SAY THAT I'M COMING OUT OF A PORTION WHERE THE ATTITUDE OR ANYTHING LIKE THAT CUSSING WHATEVER BUT MAINTAINING COMPOSURE THAT'S WHAT I GET PAID FOR SO BREAK IT DOWN