23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Got a text from a person at XXXX XXXX XXXX asking to finish my loan forgiveness application. I never started one so I called and they had all information I had submitted to Navient the previous night. As I had the person on the phone my son called my daughter who was a previous employee of Navient. My daughter stated to hang up it was fraud so I hung up and the caller called me on my home phone from XXXX XXXX XXXX and at the same time emailing me to pick the phone up we got disconnected.from email XXXX previously to that he I got an email that I changed my password from XXXX it wasnt me that changed it. I then contacted Navient and they gave me the number to this organization and I was sent this email.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unfair credit reporting practices by XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I reviewed my TransUnion credit report and noticed that XXXX XXXX is reporting a {$110.00} collection account. This reporting is false, as I have not received any validation of the debt from XXXX XXXX, which is required by law. Furthermore, the original creditor, XXXX, is also reporting a collection on my TransUnion account for the same debt. This dual reporting is illegal, as both XXXX and XXXX XXXX can not report the same debt simultaneously. XXXX has sold the debt to XXXX XXXX, making this a clear case of double reporting. 

The details of the accounts are as follows : XXXX XXXX : Reporting a {$110.00} collection account on my TransUnion report. 
XXXX XXXX XXXX ( XXXX ) : Also reporting a collection account for the same debt on my TransUnion report. 
These actions have negatively impacted my credit score and caused undue stress. I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that XXXX XXXX XXXX XXXX comply with the FCRA. I also request that both collection entries be removed from my credit report immediately. 

Thank you for your attention to this matter. Please feel free to contact me if you require any additional information or documentation.
Product: Credit reporting or other personal consumer reports

( CFPB ) have recently filed a lawsuit against XXXX alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed dispute items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was approved financing by Wells Fargo. That same day I walked into a the XXXX XXXX XXXX XXXX and I purchased a XXXX and foundation. The store employee named XXXX XXXX told me ALL foundations will fit standard bed frames. I NEVER asked to purchase a XXXX XXXX XXXX. He selected that foundation WITHOUT my approval. Please also note, XXXX XXXX repeatedly asked me to purchase a more expensive foundation. I declined. 

According to the sales policy of XXXXXXXX XXXX are not returnable. Their policy does not say NO EXCHANGES. 

On XX/XX/XXXX XXXX delivered the mattress and foundation. The foundation was too big for my bed frame. I contacted XXXX and they rejected my request for an exchange. 

The CFPB should protect consumer from " bait and switch '' sales tactics. My dispute was initiated with Wells Fargo and most recently they rejected my dispute. I have decided to file a lawsuit against both companies. I do not understand why both companies will not satisfy a simple request of giving the consumer what he wants. 

Please investigate both Wells Fargo and XXXX. They are both complicit in using unsavory sales tactics and enticing consumers like me. 

Wells Fargo has a poor history in consumer finance. XXXX has return policies that are poorly written with a standard practice of REJECTING consumer requests. 

I am probably not alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have experienced ongoing issues with removing unknown accounts on my credit report. I have sent in multiple dispute letters and have yet to receive anything. I sent off an original dispute letter asking for them to send over certain documents that requested them to send my original contract with my signature attached. I never heard anything back. I then sent off a 30 Day Demand of Comply letter after waiting 45 days. To this day, I still have not received anything. Under FCRA, failure to validate the debt in 30 days demands an automatic deletion. Furthermore, the original signed contract has still yet to be sent to me. I demand deletion!!!! ACCOUNT NUMBER : XXXX : XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX
Product: Credit card or prepaid card

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Dear CFPB : I am writing to you concerning a major problem Ive had with the bank I use, Truist. Originally the bank was Suntrust, which last year merged with BB & T and became Truist.

In Suntrust I had personal checking, savings, business and money market accounts, a CD + two credit cards. The bank was easy to work with. Once it became Truist its been impossible. 

On XX/XX/XXXX I had emergency XXXX, was in the hospital for 10 days, had XXXX  XXXX XXXX   throughout the summer, two more times in the hospital, another XXXX in XXXX and recovery through all of fall. 

One credit card was due on the first of the month and the other on the seventh. Being in the hospital in XXXX I knew I was late on the payments and after I got out I called XXXX to pay the bills and explain why they were late. The man I spoke to suggested joining a program they had to pay your cards and it lowered the interest down to 3 % called the Work Out Plan. It wasnt explained well and said he would send the information and kept asking me to join it. Not feeling well or understanding this plan, I agreed to join since the interest was so low. 

I opened the XXXX website to look up the Work Out Plan and there was nothing about it. The plan set me up with paying {$83.00} per card each month. I was skeptical. Who was I paying {$83.00} per card to? 

I received a letter from XXXX dated XX/XX/XXXX telling me they closed a credit card with the last 4 digits of XXXX I didnt recognize. In calling the number on the letter many times someone finally found that the number was from XXXX. 

I received another letter from Truist about their closing another credit card with the last four digits of XXXX I didnt recognize and that one was also an old card from XXXX. 

Although this lowered the interest rate it lowered my credit score from XXXX to XXXX in XXXX XXXX and in the upper XXXX in XXXX. I contacted Truist by phone + went to one of the branches many times the get out of this, but I kept being told that once you sign up for this you can not get out of it. 

I filed complaints to XXXX, XXXX, XXXX XXXX and the Attorney General of the Commonwealth of Virginia who told me to contact CFPD.
Product: Money transfer, virtual currency, or money service

I am writing to formally lodge a complaint regarding Coinbases handling of my cryptocurrency account, which has been unjustifiably restricted since

XX/XX/2024 Despite my efforts to resolve the matter, Coinbase has failed to provide adequate explanations, updates, or resolutions, leaving my funds inaccessible and causing significant financial and emotional distress.

Summary of the Issue Account Restriction Without Explanation : On XX/XX/2024, I received a notification from Coinbase stating that my account had been restricted. No specific reason for this action was provided, and I was instructed to wait for further updates. 
As of XX/XX/2024, my account remains frozen without any resolution or timeline for when access will be restored. 
Prolonged Resolution Timeframe : Coinbase initially indicated that the restriction would be resolved within a few days. However, it has now been more than 12 days without any progress or meaningful communication from the company. 
Customer service representatives informed me that the issue had been escalated to a specialist team, but they were unable to provide any timelines or updates on the status of my account. 
Unresponsive and Inefficient Customer Support : Attempts to contact Coinbases support team are met with excessive wait times ( often exceeding 11 hours ), automated responses from an AI chatbot, and no access to meaningful assistance. 
When I was finally able to speak with a representative, they could not provide any substantial information or resolution, effectively restarting the cycle of waiting and uncertainty. 
Potential Financial Loss : My initial investment in cryptocurrency on Coinbase was approximately {$15000.00}. With the ongoing cryptocurrency market volatility, I am unable to manage my holdings, exposing me to potential financial losses. 
The lack of access to my funds during this critical period could result in substantial financial harm.
Product: Money transfer, virtual currency, or money service

I started a Venmo account about XXXX years ago. Over the years I had made a total of five to six transactions on the platform to friends and family. Last year I tried to send money to a friend and a notification popped up that my account was frozen. At the time I didnt think much of it because I figured it had to be a simple fix. At first I came to the conclusion that it must have been related to the new debit card I got and that I had forgot to change it in the platform. When I tired to unfreeze my account using their online portal I learned it had little to do with my card and they transferred me to another department as my account being frozen required a different team. That team explained to me that I have violated their user agreement and that my account has been permanently deactivated. The company would not share with me any reason why due to what they state as a matter of security. Now I am left with a deactivated account for a problem I am unaware of and that I can not fix.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Accounts # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX has been paid and closed on my report, this is still showing that it is XXXX, XXXX and 90 days late with a balance. How can this be? They should be reporting the accounts paid. These accounts should not be showing a late date since they have already been paid for. It seems impossible to accrue late on accounts that have already been paid. This inaccurate information is preventing me from getting the credit I deserve and it needs to be fix immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$390.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$670.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have {$1800.00} on my citi savings account. I got An email that my account would be transferred to the state if not claimed. I called and they said my account had been inactivated due to no activity in a while- my last deposit was last year but I log in all the time to my account and had no notice of my account being inactivated. I tried asking to reactivate they said you must visit closest branch in South Dakota ( I live in RI ), or wrote some notarized letter to have it reactivated. I want access to my money and I read others went through this same situation and could not access their money
Product: Checking or savings account

Wells Fargo Bank never reimbursed me for unauthorized transactions of my debit card or bank fees that added up to {$1400.00}. My account was closed for this and would like my reimbursement.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulte from an alleged identity theft, not later than 4 business days after the date of 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!

These accounts should not be furnished on my cons
umer report as they are in VIOL Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUC consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEI 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 tI accounts listed IMMEDIATELY! 

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

Past creditor, Consumer Portfolio Services is purposely reporting in accurate information to XXXX Credit Bureau Agency. CPS has been cited by the Federal Trade Commission due to unfair unlawful business practices. My car was repossessed back in 2014. The account status should be noted as " repossessed-charged off-closed ''. The company is reporting to the credit bureau agency as 30-60-180-days past due, also failure to pay. I would like for this company to stop the illegal business practices they are still committing. Again, CPS has been cited by the FTC for their unlawful business acts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to raise my credit score in order to purchase a car and a home and I have been charged {$39.00} twice in the last 5 days for credit reports by XXXX as well as other ridiculous charges. After paying off one debt ( I only have 2 ) my credit score has been consistently getting lower rather than higher. I have 17 hard inquiries and I only recognize maybe two and I can't get a hold of anyone to fix it. XXXX charged me for a free credit report not once but twice and the things I have paid off are not showing as positive on my report nor are they adding the extra points. I've also been disputing a collection from 2005 from a utility company and they will not take it off of my report despite disputing it twice yet I can't settle or pay it off because when I call the collection people it is too old to show in their system. Nothing changes after disputes and nothing positive is listed in my credit report only negatives. I never can reach a human. Only recordings. I'm charged for reports that under federal law should be free. And then they tell me it's for other services and fees that I never signed up for and do not want but I'm stuck with because I need these credit reports so I can try to fix them and have a home. I'm a XXXX veteran living with family only because of my credit score and I have no current debt whatsoever. None. The reporting agencies are so vague and have so many ads and other companies offering credit repair b.s. I just don't get it but I want to understand so I can fix my credit score and have a home and reliable car. Thank you for any help you can give me.
Product: Prepaid card

I use AMEX serve for transactions as I receive direct deposit on this card. Got into car accident and company XXXX XXXX XXXX had me pay {$400.00} deposit until they received payment information from insurance company ( XXXX XXXX ), well the insurance company paid XXXX XXXX XXXX after they sent them an invoice saying they refunded me the deposit.called XXXX auto and they kept giving me the runaround so I filed a dispute with AMEX Serve ... I sent them email from insurance company confirming amount paid, receipt where they lied stating they refunded me the money. I have yet to get my money back, finally XXXX calls me back and states they would had given me a cash refund but AMEX serve completed a charge back on XXXX XXXX, I really need my money back it 's unfair that no one is giving me my money back even after charge back was completed. Can someone please let me know when I will be receiving my money? that rental has been returned on XX/XX/XXXX its been over a month. XXXX will not give me my refund now that the chargeback has occurred and I have not heard from Amex Serve in regards to the process. I just want my money not even a provisional credit was given and I have been a customer for a long time with continuous direct deposit
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XX/XX/2022. Here is my tracking # XXXX To remove personal information and public records that I donot want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. 
I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Checking or savings account

Rental and Property Insurance Policy does not appear to be closed. 

Requested closure due to relocation. 

No notification/documentation to support. 

Called for verification they were closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, I sent a debt validation letter to XXXX XXXX XXXX requesting that they provide me with specific proof showing that I was responsible for the debt that they are reporting on my credit file. I was very specific in requesting that they provide me with a signed contract by me or verifiable proof that I agreed to pay their company and that I agreed to do business with their company. What I received in return, dated XX/XX/2017 was an account summary that did not include my written consent to do business with this company. I then submitted a notice to Experian, requesting that they provide me with the documents included in their file that prove validity of this account, what I received from them was an updated credit report showing this account updated and not deleted.I did not receive from either of these companies any signed documents. I believe that both XXXX XXXX and Experian are violating my rights under the FCRA by reporting unverifiable information on my credit file. 
I am asking that you assist me in getting a resolution to this unfair credit reporting tactic. Reporting unverifiable accounts is ruining my credit worthiness. 
The account information that I have received from my credit report is : Account # XXXX Original Creditor XXXX for XXXX and Account # XXXX Original Creditor XXXX XXXX XXXX XXXX. balance XXXX.
Product: Credit card or prepaid card

Amex made me an offer via email through my Delta Skymiles acct. Apply for Amex Skymiles Gold Card and among other rewards, receive a {$200.00} airline credit on Delta for use as soon as application is approved. 

I applied, was approved, purchased an airline ticket on Delta and Amex now claims the offer did not include the {$200.00} airline credit, even when I showed them the ad that is on the Delta Skymiles account.