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

WorldRemit money transfer # XXXX was never made available after being advertised as an instant money transfer. I used the system because of this claim however the money has not been made available after 4 days. There is no way to contact the company or cancel the charge through the online website. I would prefer to cancel and use another system I have tried to call their call center number which leads you in circles and they refuse to answer emails due to Covid-19 which makes no sense. Thank you for your recent email. Due to the present Covid-19 situation, our customer service team are unable to respond to your email at this time. I believe this company has been using false advertisement. baiting potential consumers into believing the money will be made available sooner than it really is. Please investigate the claims made on their website.
Product: Mortgage

US Bank contacted me, unsolicited, in XX/XX/XXXX offering a forebearance. I lived in XXXX XXXX XXXX  and the XXXX had just hit the area. I initially declined the offer, saying it wouldnt make sense to accept If I needed to just repay the entire amount at the end of the forebearance. They offered and confirmed multiple times any deferred payments would simply be put on the back end of the loan. I accepted this and we agreed on terms, and the forebearance began. A year later, they refused to honor our contract and demanded full payment of the deferred payments. 
Since XXXX of XXXX and their breach of our forebearance agreement, they have sent letters stating I need to apply for mortgages assistance. I stated I didnt need mortgage assistance, I wanted them to honor our orginal agreement. Theyve said while I didnt actually qualify with what they offered, they asked me to submit a request for assistance. Ive done this multiple times, with no answers or response as to why they breached our orginal contract. During this process, a rep named XXXX from US Bank contacted me and and offered that if I make two payments, they can then just add payments to back end of the loan. In an effort to resolve this, I accepted this and XXXX said would finalize the offer and call me back for payment which never happened. A rep named XXXX also called at a different time saying I just needed to send a letter stating I was affected by the XXXX natural disaster, XXXX XXXX XXXX XXXX, along with some loan information, and he would put all of the payments that were deferred onto the back end of the loan. I submitted this information as requested and again, US Bank still refused to honor their commitment or the follow up agreement to move the payments to the back end up alone. They now are attempting to foreclose on the home and refuse to communicate. All numbers they provide to reach the agents assigned to resolve this go to automated systems saying the agent I need to speak with is unavailable. 
Theyve locked the account for approximately 18 months preventing me from making a payment, while also demanding payment. 
I am filing a complaint that US Bank used false and deceptive offers to enter into an agreement they had no intention to honor and have refused to do so.
Product: Debt collection

This is from years ago, when I really need the money. It was only about XXXX dollars. Now they want to settle with over XXXX dollars. I said okay, but I cant do it now. He said it has to be done now. He is a legal courier for XXXX XXXX. Where I live. He left me a voicemail today threatening to come get me implying either arrest or something worse. His name is XXXX XXXX he has been calling me non stop and leaving these kinds of voicemails.
Product: Credit reporting or other personal consumer reports

I had a delinquent account with Republic Finance on my XXXX and XXXX credit reports ; it was turned over to a collections account with XXXX. 

I settled the account in full with XXXX to satisfy the delinquency. They have not removed and/or updated the account as promised. 

I have included the letter from XXXX showing they received the payment on XX/XX/2023 and Also I have the satisfaction of judgement letter that Republic Finance , LLC filed with my local magistrate back in XXXX.
Product: Debt collection

I mailed a certified letter to Exeter Finance, LLC on XX/XX/2020, certified mail receipt # XXXX XXXX XXXX XXXX XXXX and it still has not been delivered to date, last date reflecting XX/XX/2020 per the USPS tracking website. I have verified that the address listed on the credit report and where it was mailed to is correct, unless the company has provided the incorrect address information on the credit report. Regardless, I need the company to provide me supporting documentation that this debt belongs to me.
Product: Vehicle loan or lease

All alleged " loans '' are closed at signing stop violating consumer rights violating UCC and USC laws and the Treaty of Peace and Friendship 1787/ 1836 of which im a party to. NAVY FEDERAL CREDIT UNION and Agents have received due process of my dispute and have defaulted already and still have not sent me a Certificate of Satisfaction of which I DEMAND. Unconstitutional practices of these alleged banks that are financial institution are violating natural peoples rights with false and misleading documents and felonious activities of Securitization using misleading documents. We Know we are the original creditors and all alledged debt is generated of the credit of the living consumer signature in thus there is no loan and any installments are to be deposited to the original creditors of which all Corporations are Bankrupt and operating off fraud activity in no way can an alledged Financial institution under USC UCC laws charge a fee for an alleged paper draft called a promissory note. Of which this institution is in willful violation of my rights as a consumer rights and are continuing to violate my rights after i have put them on Notice and they Defaulted and failed to conduct business in a proper way. HJR 192/USC/ USC/U.S . Constitution/ State Decisis case laws/ ( violations ) and Fraud - I demand ( Remedy ) Refund And There Certificate of Participation also Certificate of Satisfaction for any alledged obligation to sent certified mail to a location on file. I am Competent they are acting in Fraud i demand Remedy and they have been Noticed. All Affidavits have been received and all evidence is recorded and ready to proceed. I demand Settlement Setoff Discharge Offset Closure and Remedy Immediately. Stop Coercion and deceit NAVY FEDERAL CREDIT UNION AND AGENTS and attempt at injuring me for enforcing my birth rights in business activity or personally will be recorded and reported for any attempts to hinder coerce deceived or hinder me or any negative activity against me or my estate in reversion will be an willful violation of my rights and is recorded in this complaint against you Agents of NAVY FEDERAL CREDIT UNION and the foreign corporate construct itself. Refund all credits to the account on file Immediately mail all documentation to the location you have on record immediately and send the Certificate of Satisfaction immediately. Remedy is Demanded immediately public and private. I demand NAVY FEDERAL CREDIT UNION and agents to DISCLOSE all credit entries created from the social security number used on this alleged loan account and all information on the private side of the books at this institution involving the social security number in use FULL DISCLOSURE IS DEMANDED. Return all proceeds.
Product: Debt collection

I have communicated XXXX with a XXXX XXXX XXXX at NCB Management Services on several occasions. On more than XXXX occasion I clearly asked that all communication be made via post and to no longer call me. 

I made these requests on about XX/XX/XXXX, XX/XX/XXXX, and other dates. My do not call request was noted in the system. On XX/XX/XXXX, at XXXX pm the same person called me ( XXXX XXXX again, the very person who put the note in the system ) concerning the debt and I brought this to her attention. This was the second time they have called me after I have requested being put on the do not call list.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting with this written complaint that the following inaccurate items is a result of non-factual reporting. The items are as follows : XXXX XXXX XXXX  XXXX This account reflects incorrect payment history in XXXX and opened date is incorrect. Please correct or remove. XXXX XXXX  XXXX/XXXX  XXXX. The opened date is incorrect and balance due. XXXX XXXX XXXX   XXXX The account reflects 49 chargeoffs. An account can not reflect a charge off every month, payment history and date opened is incorrect. Please correct or delete. XXXX XXXX XXXX. Payment history and date opened is incorrect. This account reflects 11 consecutive months of 120 days past due. You can not have more than 1 month consecutively with the same number of outstanding days past due.This is non-factual reporting. Please Remove Account. 
Please correct or delete. XXXX XXXX XXXX XXXX This account reflects incorrect payment history from XX/XX/XXXX to XX/XX/XXXX. This account reflects 22 consecutive months of 120 days past due. You can not have more than 1 month consecutively with the same number of outstanding days past due.This is non-factual reporting. Please Remove Account. XXXX  XXXX XXXX XXXX No contract with this company please delete. XXXX  XXXX XXXX XXXX No contract with this company please delete. Lastly please provide me with all information you received in order to verify the accuracy of these accounts as anybody that you do business with can just send information about anyone that may constitute fraud or identity theft.
Product: Checking or savings account

There has been multiple times were SoFi has posted transactions but the places the transactions were supposed to go to send me returns saying they were not processed but the money was taking out of my account
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my TRANSUNION credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

According to 15 USC 1681s-2 they are supposed to 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 inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX had a computer glitch, I was trying to pay my mortgage on XX/XX/XXXX. I did not receive a confirmation number. I was worried my payment had not gone through and would be late. I checked the next day, XX/XX/XXXX, and there was no account of my payment. I made another payment and received a confirmation on that one right away. I checked my bank account statement after a few days and two charges had been processed. I contacted my bank and XXXX  XXXX to notify them of the double charge. Somewhere along the road both my bank and XXXX  XXXX reversed a payment- even though I obviously was only trying to get one reversed! Why would I pay twice and then purposefully remove both payments? It doesnt make any logical sense. I got a notice that both the XXXX mortgage had been reversed and that it had now been marked as a late mortgage payment. Exactly what I am trying to avoid! Due to this mixup, we are being offered much worse rates on our next mortgage. Its unfair punishment on my part to receive a serious ding on my credit report for an obvious misunderstanding that began with an error on the XXXX XXXX payment page. I want this mark on my credit removed- its not a reasonable way to conduct business at all!
Product: Student loan

Hi, I am wondering, why is it that Navient does not provide an account of the interest charges that have hit my account? I can see the current interest total on a loan, and transactions of interest that I have PAID, but there is no transaction records of the Interest that has actually been charged to my account ( either weekly, monthly, or daily ). 

For example, I could have paid {$5.00} in interest one payment and I would see that, but maybe {$6.00} was actually built up in interest that week, and there 's no record of that. If I see what I think is an error, how am I to rectify that if I have no record of what the transactions of interest are? I I have reached out to Navient multiple times asking this, and I was told that I can use an Interest " Estimater '' calculator. How is it okay for a loan provider to have you " estimate '' the interest that they are charging you? I can see in my account a discrepancy on the amount of interest that I was charged one week, but ca n't rectify it without seeing interest charges. I asked for an individual interest accounting for each of my loans - as I have seen conflicting information in the web portal. What I was provided with was an accounting that had different loans combined, so it did n't help. Follow up requests did not This seems like it could open the door up to many errors. A Credit Card company or a mortgage loan provider would never tell me to use an " estimator '' to calculate my interest charges, they are explicitly laid out on the statement. 

Could you please help me understand this? Is this a practice across the entire student loan industry? I would like to have an individual account of all of the interest charges charged to my individual loans. 

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

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 


Account : XXXX ID : XXXX Type : Credit Line Amount : {$2100.00} Reason : This account does not belong to me. I did not authorize or verify opening of this account. I have submitted several disputes with the credit bureau requesting additional identifying information and the company has not provided any information that ties this account to me. I want the credit bureau to provide me with the method of investigation that was used to validate this account. This account needs to be removed immediately.
Product: Checking or savings account

I made several purchases at XXXX XXXX XXXX XXXX during the month of XX/XX/XXXX on XX/XX/XXXX I returned some items and XXXX XXXX XXXX XXXX refunded back to my card XXXX. I XXXX on XX/XX/XXXX to advise my credit has not appeared on my bank account I spoke to a manger XXXX who researched the transaction and confirmed everything posted successfully on their end I tried calling Citizens for 2 days each time got uneducated reps from across seas who gave me the run around. On XX/XX/XXXX I filed a XXXX XXXX XXXX complaint because I still have not received my credit and keep getting the run around from citizens, On XXXX a representative from the office of Chairman contacted me and said they were looking into my issue and would get back to me and have my account credited ASAP I was also asked to email a copy of my receipt confirming the transaction from XXXX XXXX XXXX XXXX I did this within minutes after hanging up with the rep from the office of the chairman. I called citizens on XXXX after being on hold 22 minutes from a rep from across seas was told my call could not be transferred to the office of the chairman someone would call me within 2 days UNACCEPTABLE SERVICE! I am beyond frustrated Citizens has not resolved this issue or contacted me for a resolution! The service at this bank is TERRIBLE I have been a customer for years and most recently with the service I have experienced will be looking to do my full banking with my current credit union! Citizens needs to post my refund IMMEDIATELY! Once again I am attaching my receipt from XXXX XXXX XXXX XXXX!
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), 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. 
No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation
Product: Money transfer, virtual currency, or money service

Since my mother 's death in early XXXX and my discovery at that time of a Coinbase account in her name, I have -- as her next of kin and former PPOA -- attempted repeatedly to contact Coinbase support to obtain access to her account. Multiple initial attempts to use their online customer service support form to file " obtain access on behalf of a deceased account holder '' didn't even result in a single automated response. They do not offer phone support or publish an address for postal contact, so at the time I was stymied. Finally, on XX/XX/XXXX, I created a Coinbase account of my own on the suspicion that their automated form simply refused to email anyone that didn't have a registered account ; this proved correct, and I received another automated email listing all the documents I would need to supply in order to successfully request access to my mother 's account ; their instructions were to then " contact them '' once those were uploaded. 

I uploaded those documents -- death certificate, etc. -- and both replied to the automated email and resubmitted the form, not being sure what other form of " contact '' might be useful. It has since been a week, and I have not heard back from anyone ( and, more importantly, am not even sure how to follow up. ) I want to emphasize that I have no idea how much money is in my mother 's account and would not be doing business with Coinbase at all under my own initiative, so their complete inaccessibility is doubly frustrating. 

This is the text of their automated reply ( once I created an account to receive one ), sent XX/XX/XXXX : " Dear XXXX, We are saddened to hear about your loss. 

To help us process this request, we will need copies of the following documentation : 1. Death Certificate 2. Last Will and Testament - AND/OR - Probate Documents ( either Probate, Letters Testamentary, Letters of Administration, Affidavit for Collection or Small Estate Affidavit ) 3. Current, valid government-issued photo identification of the executor named in the Letters Issued 4. A letter signed by the person ( s ) named in the Probate Documents  instructing Coinbase on what to do with the balance of the Coinbase account Additionally, we will need the email address of the account holder. If there are more than one possible email address, please list them with the most probable email address at the top. 

You can safely upload these documents here : https : XXXX Take as much time as you need and contact us when you are ready and the documents have been uploaded so that we can continue with the review. 

If you have any additional questions about this process, reply to this email and we will be happy to answer. 

Thank you very much for your patience and help. 

Regards, Coinbase Support ref : XXXX : ref ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$8000.00} ; XXXX XXXX XXXX  XXXX Balance : {$2800.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3000.00} ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX open on XX/XX/2020 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

The requested correction to my credit report continues to be ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is omitting a auto loan of XXXX I financed this vehicle in XX/XX/2022, and Transunion 's credit report omits this loan financed via XXXX  XXXX XXXX. That's not fair to me the consumer.