23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have been trying to cancel a XXXX credit card from Bank of America, and request annual fee refund. When I initially called, Bank of America associate ensured me that my card will be cancelled, and the recently charged annual fee will be refunded. 

The card appears to be cancelled, however the balance for the annual fee still appears in my statement. 

I have attempted to call twice already, and both times the wait time exceeded 40 minutes. I tried to submit the request online, but received a message that these types of requests have to be taken care over the phone. I am calling again today, still on hold.
Product: Credit reporting or other personal consumer reports

On XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. XXXX XXXX XXXX., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Vehicle loan or lease

Loan and Security Agreements and Disclosure Statement signed on XX/XX/XXXX between XXXX XXXX XXXX and SCHOOLSFIRST FEDERAL CREDIT UNION has had a billing error on my account since the opening of it. ( 12 C.F.R 1026.13 ( b ) ). As stated under the TRUTH IN LENDING DISCLOSURE : Amount Financed The amount of credit Provided to You or on Your Behalf. 
{$26000.00} Evidencing a consumer credit transaction as my social security card number was ran in which is where the amount of credit of {$26000.00} was provided on my behalf for the payment in full on credit. Further proof is under section 13 of the SECURITY AGREEMENT that states : NOTICE : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLIAMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALLE NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

In accordance with 16 C.F.R. 433.2 as the notice above is only used with any connection with any sale or lease of goods or services to consumers. As well as under 14 it states : You promise to use Your account for consumer ( personal, family, or household ) purposes, unless the Credit Union gives You permission to use the account for agricultural or commercial purposes, including, but not limited to, use of the Property in partnership with a transportation network company, or to purchase real estate. In which the Credit Union and I both agreed this use of property was only for consumer purposes only.

Under ITEMIZATION OF THE AMOUNT FINANCED it clearly states : Itemization of Amount Financed of {$26000.00} Amount Given to You Directly {$26000.00} Making it clear the amount I promised to pay the car of {$26000.00} was fulfilled when signing and transferring the Loan and Security Agreements and Disclosure Statement back to SCHOOLSFIRST FEDERAL CREDIT UNION for my property, XXXX XXXX XXXX with I.D . Number : XXXX. In which should of never lead to me paying FISTSCHOOLS FEDERAL UNION monthly as my property was paid for on credit and no cash transactions can/should be taking place when a consumer credit transaction took place in the first place. Attached is the letter sent in which got delivered XXXX at XXXX in which has not got any response back from!
Product: Credit card or prepaid card

Netspend has sent me cards before. I have no interest in ever doing business with them. Reviews are horrible and have many reports of losing people 's money. 

My issue is they sent a card that needed only to be activated that I never requested. Now more then once. This company does nothing for a consumer.
Product: Payday loan, title loan, or personal loan

I have an account with XXXX XXXX ( Automobile Acceptance Corp. ). I got the loan in XX/XX/XXXX and have been paying on time until i became sick in XX/XX/XXXX until XX/XX/XXXX where I filed a insurance claim to pay for those months because I was out of work. I then made a payment n XX/XX/XXXX of about {$300.00} and something to bring my account to a current status. Beginning XX/XX/XXXX i have received almost 3 calls per week not including the calls that were made to my job for payment after I sated to them that I wanted to pay off my account at the end of this month. I requested a payoff online on Sunday XX/XX/XXXX. I  spoke to a representative on Monday when I received another call for payment verbally and was not given one but a date to pay before collections which was XX/XX/XXXX I stated to them once again that i needed a payoff and that i didn't get paid until the XX/XX/XXXX, no help, no progress. after hanging up with them I received a corresponding email to my pay off request that stated that I have until XX/XX/XXXX to pay the amount in full. On today XX/XX/XXXX i received a call once again asking for payment. I then stated to " XXXX '' that i did receive a payoff payment date and that I had to the XXXX to pay it off and that I was gon na pay it by tomorrow XX/XX/XXXX because  that when I would have the funds and that there is nothing i can do but wait until my check clears what more does she want me to do?! She then tried to tell me that that is not what that means and she stated i need to make a payment, I didn't like the tone of her voice so i told her she would get it tomorrow, have a good day and hung up. This is my 2nd loan with  them and i just don't understand how they could harass a person that's doing what they are supposed to do i'm not months behind the month isn't even over and they are hounding me.
Product: Student loan

My Issue is with NAVIENT : They are a complete scam! 
I have a consolidated Parent Plus Loan. I would like to pay quicker by making extra payments or changing the terms ( when they got loan from XXXX XXXX they put me in what I think is like a 30 year term .. without communicating it to me ) Now, their terms jump from 120 payments to 300 payments .. nothing in between ..really no 180 payments? They have the pay as you earn and such, but I do n't qualify ( because I am a parent ) I called to ask them to apply the excess payment to my principal. I was told that I needed to send a note requesting that with my monthly check. I explained that I pay my bills online, I was told they needed request in writing ... then as instructed requested in writing that my extra payment be applied to the principal NOT interest or to the upcoming payment. My letter was ignored, I sent another.. again ignored bunch of letters later ... I called again.. they verified that they had received my instructions ... yet my extra payment is applied to following month! Even tough I pay regularly the same amount ( {$50.00} above my scheduled payment ) there are string of months when NOTHING goes to lower my principal. Even when they do apply something to principal, it is a fraction and it is always a different amount that has no logic ( it could be more than last month, or it could be less or it could be nothing!! ) Never had a loan like this!! THIS IS A NEVER ENDING LOAN! I pay and pay and owe basically the same principal! I have paid my car loan, my mortgage ... they are mathematically calculated based on a formula ... WHAT IS NAVIENT 's formula? Now I am a grown ( old ) woman with experience dealing with loans, credit cards, mortgages, even do my own taxes .. Can only imagine the what they do to these poor kids just out of college. Navient also does not honor their agreements ... they tell you one thing, then they do another. I agreed in XX/XX/XXXX to 15 years, verified payment amount .. then get letter with different info, longer term, lower payment!!
Product: Debt collection

A lease for property was taken out at XXXX XXXX, in XXXX XXXX in my name via online. In XXXX of XXXX. 

I do not live nor have ever resided in the state of XXXX. I am a resident of XXXX, and have lived in XXXX, as well as XXXX. 

I lost my wallet about a month prior to this transaction being taken. 

XXXX XXXX went to court for eviction and sued me for over {$4000.00}. 

I never knew this as I was never notified. I went to purchase a car in XXXX XXXX and this line item was on my credit report and I disputed it fully with all 3 credit bureaus and put a freeze on my credit report. 
There is also a notation that my identity is compromised, and I have a duplicate identity, to please verify its me. 
I reached out to the property in XXXX and XXXX of XXXX with no success via phone and email. No returned communication. 
I notified the credit bureaus in XXXX of XXXX of the unsuccessful attempt. 
After months of trying to dispute with credit agency and the creditor not working cooperatively with me I filed a motion in court on XX/XX/XXXX with XXXX XXXX XXXX to have the judgement dismissed for lack of notification, I was never in this state, and identity fraud. 

I additionally picked up a copy of the original complaint from the attorney that was never received to me dated XXXX, they mailed it to the property address that was rented in my name however I have never resided there. 

XXXX XXXX property attorneys were served/mailed on the XXXX of XX/XX/XXXX with my motion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new information regarding CFPB complaint # - XXXX, XXXX, and XXXX. This company have responded to my complaint that they need more time to review and thoroughly research my submission. I do not approve the extension. Pursuant 15 USC 1681i ( a ) ( 1 ) ( a ), ( b ) and ( c ) consumer reporting agencies only have 30 days and that is all the time I am allowing. If this situation is not complete and results are not mailed to me by XX/XX/2022 I demand these things be removed from my consumer report.
Product: Checking or savings account

On XX/XX/2019 I contacted Chase Bank phone customer service to have three {$34.00} overdraft fees waived due to low funds on my end to cover 3 bills. I explained I didnt have enough to cover the full negative balance. I was only able to deposit {$240.00} and my balance was negative {$27.00}. I was told there was nothing they could do. I request to speak to a manger but was told, Just to let you know, they are going to tell you the same thing I said. Horrible way to show empathy and provide great customer service. No effort was done by Chase to help me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving my consumer report, I took issue with some of the data on my motor vehicle report document. Firstly, my date of birth was incorrect. It also has me at fault for an accident I reported to the police that I did not cause. With all else on my consumer report being correct, it leads me to believe that the work on this specific document was careless or hasty. Which I believe misinformed my employer on my accident history.
Product: Credit reporting, credit repair services, or other personal consumer reports

These credit companies are messing with people 's scores XXXX minute they're certain number and then the next they've dropped XXXX points all of a sudden this is crazy people are trying to get ahead and can't because the credit companies our joke
Product: Credit reporting, credit repair services, or other personal consumer reports

I had paid off my XXXX card in full by XXXX of XXXX. There was a {$17.00} balance on the card that I was not aware of an wasnt contacted regarding paying. I have a clean history of payments for the 15 years of credit history on my report, after 30 days, XXXX sent this to collections without contacting me. The effect on my score was detrimental and dropped it down over 70 points. 

I called XXXX on XX/XX/XXXX to resolve and they stated their was nothing they could do. I closed the account after making the final {$17.00} payment. 

Ive been working with Transunion since XX/XX/XXXX to fix my score, but havent had success at this point in time as of XXXX.
Product: Debt collection

ability recovery services has altered the date of an account opened from XXXX XXXX on an account I never authorized. I tried to contact the company but was met with extremely rude service and hung up on XXXX  times. the woman I spoke to XXXX, informed me that this debt was from a buckle credit card opened in XXXX  but magically was reported on my credit report as being opened XX/XX/XXXX of XXXX this company is illegally altering dates. I asked for an original contract to be mailed, I asked for a bank account number to match to mine, and I was met with " pay your bill and this won't happen ''. even IF this account was in fact mine. the statute of limitations and the FCRA limitations have long passed. what this company is doing is highly illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report. Specifically, the following items are incorrect and are affecting my credit score negatively : ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$25000.00} Reason : I have never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it, or delete this account. 

ACCOUNT NAME : XXXX Card Services ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$25000.00} Reason : I have never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it, or delete this account. 

ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} Reason : I have never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it, or delete this account. 

ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$20000.00} Reason : I have never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it, or delete this account. 

ACCOUNT NAME : XXXX XXXX  Services ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$32000.00} Reason : I have never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it, or delete this account. 

COLLECTIONS ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : # # # # # # # XXXX ORIGINAL CREDITOR NAME : XXXX XXXX  DATE OPENED : XX/XX/XXXX BALANCE : {$18000.00} Reason : I have never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it, or delete this account. 

INQUIRIES EQUIFAX ACCOUNT NAME : XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX These items are either reported incorrectly or have already been resolved, and I ask that you investigate and correct them. I recently checked my credit report and saw that these items are only listed on my Equifax account, not on XXXX. I've already reached out to the credit reporting agency and the data furnisher, but the issue is still unresolved. Please look into this matter quickly and update my credit report with accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.
A copy of my Identity Theft Report and proof of my identity.
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/24 my income tax return was deposited. The next day or so I made them aware that someone was trying to log into my account. They locked my account. They sent me an email requesting I verify my identity by sending my driver 's license and a photo with me holding it under my chin. They sent me an email back saying they have everything they need to push the investigation further. I called them on the XXXX for an update and they said everything was verified. They said a " speical '' department is handling it and they can't be reached via phone. I told them there is urgency in getting my account unlocked as I need the money to care for my husband who has XXXX. They stopped responding to emails and only give me the runaround on the phone.
Product: Checking or savings account

My chase checking account was closed today XX/XX/XXXXwithout any reason or explanation all my funds where there is almost the end on the month and i have no way to access the money to play for any of mi bill including housing, XXXX XXXX XXXX XXXX im Far away from home with no money at all for food or anything, I called and the says they couldnt say why that i will receive a letter with the explanation and a check will be mailed 7 to 14 days. all i have in that account is a direct deposit from my company is my only bank and i only used it to play my bills.i received the email today and i called them 1 hr later the same day i have no idea what inusual activity they are talking about all i have a a direct deposit and wouldn't even tell me
Product: Bank account or service

A CD came due, and Wells Fargo did not send me a notice ... ..the next year they sent a letter saying the account was dormant because of no use and could go to the state if I did n't address the issue. I asked why the interest was n't considered use, and they just said it was n't. This was relayed from the CD dept. ( on the phone ) to the nice lady who was working with me in person. 

The main problem was, they did n't send a reminder before the CD came due ( my other banks would ). So, it renewed at .35 % interest rate without me knowing. I asked why they did n't send a notice, and the woman on the phone with my person just said they do n't. 

To close the account, they charged me {$47.00}, which I consider theft, since they did n't notify me about the rollover in the first place ... .also because it was probably more than what I made in interest since the rollover. 

I was there from XXXX-XXXX ... ..the branch manager and the lady who helped me were very nice.
Product: Debt collection

I got my whole personal information leaked on the dark Web and had my Chase credit line stolen from me took XXXX in credit line buying stuff in different locations, chase tried suing me since I wasn't making payments and I was trying to file a complaint but wasn't educated enough now I'm with a debt settlement paying off XXXX in debt for something I shouldn't be paying for.
Product: Credit card or prepaid card

At US Bank I have my credit card connected to my checking account as OD protection and at times it will use my credit card to cover transactions on my checking account. IT IS ALLOWED!!! At this most unfair financial institutions they red flagged my credit card account and when spoke to the person assigned he made illegal//unlawful statement/reasoning of why the account was closed and hung up the line. 
I herein demand that US Bank makes that conversation available to CFPB1
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, my ability to buy crytocurrency currency via Coinbase was suddenly blocked, without reason or warning. My guess is that it's from my bank flagging and stopping a duplicate charge made by Coinbase. I reached out that day to Support and they stated that they'd look into it. 

11 days later I reached out for a status update and was told that it was escalated. I never heard from them again. 

I wanted to use the account yesterday to get back into cryptocurrencies and it's still the same issue. I reached out to support and received the same response regarding looking into it. 

I created a new account, hoping that would allow me to buy via Coinbase and the new account is flagged. They must be freezing accounts at the SSN level, as the phone, address, and payment methods are all different between the accounts. 

This is fraudulent activity. It looks like payback for my bank sending the second of duplicate charges back to Coinbase - which SAS right because I didn't I only authorized one transaction. 

From my research, this has happened to quite a few people. It's shady. Please either restore my ability to buy crytocurrency.
Product: Credit reporting or other personal consumer reports

From TransUnion my information has been breach from all 3 credit bureau XXXX and XXXX