23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

ON XXXX XXXX I CALLED MY BANK TO WIRE MONEY TO AN ESCROW COMPANY, THE REPRESENTATIVE NAMED XXXX FROM THE WIRE DEPARMENT WAS VERY RUDE ASKING ME THE SAME QUESTIONS OVER AND OVER, SO I ASKED TO SPEAK TO A SUPERVISOR THE SUPERVISOR ASKED ME TO UPLOAD THE WIRING INSTRUCTIONS THROUGH EMAIL AND I DID.THE VERY STRANGE THING ABOUT THIS REQUEST IS THAT THEY HAVE RECORD OF THE WIRES SENT BEFORE TO THE SAME ESCROW COMPANY THAT PREVIOUSLY I HAVE SENT.WITHOUT ANY NOTICE THEY BLOCKED ACCESS TO MY ACCOUNTS INCLUDING MY CHECKING ACCOUNT MY SAVINGS AND ALSO MY CREDIT CARD.WHEN I CALLED FROM XXXX I DID NOT HAVE ACCESS TO BUY WATER OR GROCERIES TO EAT NAVY FEDERAL DECIDED TO TELL ME THAT MY ACCOUNT WAS UNDER REVIEW.I ASKED WHY AND THEY COULD NOT GIVE ME A REASON OR HOW LONG FOR THIS REVIEW. I HAVE NO ACCESS TO MY FUNDS I RUN A BUSINESS AND NEEDS THESES FUNDS IMMEDIATELY I HAVE CONTRACTS PENDING.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX Balance : {$370.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX XXXX Balance : {$180.00} ; XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX Balance XXXX {$25.00} XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX Balance : {$280.00} XXXX XXXXXXXX Balance : {$480.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$55.00} XXXX XXXX XXXXXXXX Balance : {$10.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XXXXXXXX XXXXXXXX Balance : {$5.00} ; XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX T XXXX XXXX Balance : {$330.00} XXXX
Product: Vehicle loan or lease

Flagship Credit of Pennsylvania violates consumer finance laws by falsifying information to purposely create a default on the loan they also document one thing after having done another they have Representatives who tell the customer one thing only to have another customer turn around and tell something different they prolong the process for contact when the customer tries to remedy a problem that corporate Representatives such as XXXX XXXX and the CEO have no contact other Representatives that I tried to reach like XXXX XXXX and XXXX XXXX were not in a XXXX XXXX XXXX falsified the process documented false information retaliated... Customer has been trying for over two and a half months to reach a viable representative to give a clear answer concerning covid related issues which cause problems for payment the problem could have been taken care of right away but a flagship prolonged the process for months only to penalize me for the problems the delay caused..
Product: Credit reporting or other personal consumer reports

I am a victim of the Equifax data breach and My Information was bought and sold illegally. I want these items deleted from my credit reports effective immediately. I am providing proof that Equifax has admitted that I am in fact a victim of this data breach and equifax has done nothing. I am providing proof that Equifax has admitted that I am in fact a victim of this data breach and equifax has done nothing.
Product: Credit reporting or other personal consumer reports

all three credit reporting agencies have discrepancies that need to be addressed.
Product: Credit card

I booked travel through chase travel with my Chase Sapphire Preferred card. Our flight was downgraded and XXXX issued a refunding for {$2400.00} directly to chase travel ( card ending in XXXX chase general number, not my card ). The refund did not show up on my card so in late XX/XX/XXXX I called chase travel to sort out why the refund wasn't being issues. Ticket number XXXX was created. Got called on XXXX said refund will be processed in one to two billing cycles. On XX/XX/XXXX called again. Was told that old ticket had been closed out and indicated that a refund had been issued. Spoke with multiple people on the phone over the course of 1.5 hours to verify that a refund was never issues. Supervisor XXXX advised on the phone that they have received the refund/have the funds but could still not issue refund. A new ticket XXXX was issued. At this point I have spend over 4 hours on the phone, multiple calls, and it has been almost 3 months since XXXX issued the refund to Chase.
Product: Payday loan, title loan, personal loan, or advance loan

The company that I acquired my loan with is : One Main Financial out of XXXX XXXX Pennsylvania out of XXXX XXXX Pennsylvania, in XXXX of, XXXX. The loan was to pay off credit cards. The loan amount was for, {$1500.00}. I have paid on this XXXX XXXX dollar loan for over a year at XXXX dollars a month. I have not been late or missed a payment once. I know that there is going to be accrued interest, but I have paid over {$800.00} dollars and the principal amount has not gone down XXXX XXXX but has gone up. I have paid over half of the loan off with no change in the principal amount. I do believe, One Main Financial has committed fraud, extortion and illegally manipulated my account to lace their pockets. I'm asking CFPB to investigate One Main Financial for fraud and extortion. In XXXX, the housing bubble bursted because of greedy financial companies, betting on an unstable housing boom. Well, the housing industry collapsed and all XXXXXXXX XXXX XXXX XXXX, President Obama signed off on the CFPB for people like myself to be protected from thieves like : One Main Financial. There is no rhyme or reason for me to have paid off over three fourths of the loan and the principal only went up. Please investigate this company for fraud and extortion. What's more, I bought their maintenance package, turned in several claims ; only to be denied legitimate claims. They're ruthless and someone needs to go to jail.
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 1681c-2, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. 
Fraudulent Unauthorized Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit card

Charges were put on my account before the work was done and before authorization after I refused the original estimate given. I then authorized the work to be done at a lesser amount and now both charges are on my account and they refuse to take off the previous unauthorized charges. This is a national auto repair chain and related credit company.
Product: Debt collection

This is a complaint about a debt negotiations law firm. The law firm is the Derek Williams Law Firm. 

I have had {$580.00} withdrawn from my bank account since XX/XX/2022. They are still withdrawing money from my account. 

Currently, this firm is not answering my phone calls, they are not replying to emails and they are not responding to messages I have left with an off site customer service representative. 

I am under the assumption that this law firm is a Consumer Scam since they are not talking to clients anymore. 

There is more detail to my experience, but my main complaint is they are not talking to their clients anymore.
Product: Debt collection

I called midland credit to obtain information on my dept and said I owed a balance of {$200.00} when they garnished my check for the whole amount owed my employer sent in payments last payment was XX/XX/XXXXXXXX  and I called XX/XX/XXXXXXXX  to see balanced owed and it was still and outstanding balance saying they never received no other payments but XXXX and some odd dollar I have the granite court agreement and pay stubs to prove and my job can send in any documents to prove I paid this Balance in full
Product: Credit card

Citibank excessively delayed refund due to me and requested by me and bank did not pay me any interest while holding my money
Product: Credit reporting or other personal consumer reports

Background check for XXXX canceled/ did not let me know why! While delaying my ability to work, never answer the phones! I CANT BELIEVE THIS COMPANY STILL EXISTS!!!!!! I JUST CAN NOT!
Product: Debt collection

In XX/XX/XXXX, I received a letter from Credit International Corporation attempting to collect an alleged debt of {$36000.00} on behalf of XXXX XXXX XXXX. On XX/XX/XXXX, I formally disputed the debt by sending a XXXX XXXX XXXX via certified mail, requesting proof of the debts validity, my alleged personal liability, and documentation supporting their right to collect. The collections agency received and signed for my request on XX/XX/XXXX. 

Despite this, Credit International Corporation failed to provide any validation of the debt and continued collection efforts. On XX/XX/XXXX, they sent another letter increasing the alleged balance owed by {$360.00} without explanation or supporting documentation. 

Due to their failure to validate the debt, I sent a second letter via certified mail on XX/XX/XXXX, reiterating my request for validation and highlighting their violation of the Fair Debt Collection Practices Act ( FDCPA ). The collections agency received this letter on XX/XX/XXXX and failed to respond to this second request as well. 

On XX/XX/XXXX, I received an email from the agency threatening litigation and asset XXXX. This email was sent without validating the debt and contained vague and unsupported claims regarding my personal and business assets. These actions are not only misleading but also a direct violation of the FDCPA. 

Under the FDCPA, Credit International Corporation is required to stop all collection efforts until they have validated the debt. Their continued collection attempts, fee increases, and legal threats have caused significant emotional stress and financial hardship.
Product: Student loan

RE : Nelnet and Department of Education SAVE plan The SAVE student loan program is STILL full of errors and shenanigans. I just reached the 20 year forgiveness mark. Now, at year 20 and 1 month, I'm shown a recount of 12 more calendar months. I didn't consent to being put into another year of deferment, this was done automatically by Biden admin in response to a federal court ruling. 

This constant moving of goalposts, rule changes, litigation, and website errors seems intentional. 

I believe everything done by Nelnet is meant to harass borrowers. Their government servicer contract needs to be pulled, they are wasting everyone 's time and raking in bailouts. 

Further, Nelnet 's website won't load. The scroll bar is not scrolling so I can not see the current info. I can not click through this year 's tax forms, and the chat bot is a functionally useless piece of AI slop.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER, given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate. After checking all three of my consumers reports with ( XXXX, Experian and XXXX ) I have no knowledge of the following inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of fraudulent accounts and inquiries from my credit report. I am a victim of identity theft resulting from a data breach, and the accounts and inquiries listed below were added without my authorization. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request these items to be immediately blocked and deleted from my credit report. 
Fraudulent Accounts : 1. Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

In XX/XX/XXXX, I went Bankrupt and owed this company, which was discharged. The amount was XXXX, but they continue to add interest charges, until I went bankrupt, by then it was up to over XXXX. So could not use the credit card, which was closed. In XX/XX/XXXX, I married and have a different last name. This company sent me a new card with my new last name, different account. My husband was laid off work, which we had trouble paying our bills and I called and told them this. This company sold both my accounts ( the one discharged and the one under my current name to a debt collector. I paid the one in my current name with nothing owe. However, the debt collector is still sending me letters and reporting to credit unions, even though it was discharged in XX/XX/XXXX. They stated I open the card up in my old name in XX/XX/XXXX! The company would not let me do that! Help me!
Product: Debt collection

From XX/XX/XXXX to XX/XX/XXXX an unknown person hacked into my PayPal account and was able to access my payment information and make a number of fraudulent charges online at XXXX totaling to approximately {$2000.00}. The person changed my address on file to their address in another state and used my name to have the items shipped to their home. XXXX of these fraudulent charges, totaling to {$500.00} was denied by my bank therefore PayPal paid the company XXXX directly. As a result, I did not get refunded by my bank and PayPal requested that I resolve the negative balance with my own money, even though I did not make this fraudulent charge. I have filed several claims and opened several cases with PayPal, however they refuse to verify factual information and complete the proper investigations to resolve this issue. I have also filed a police report and am in communication with a lawyer to determine if legal action needs to be taken against PayPal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found XXXX hard inquires on my credit report without my permission. I want these removed. This has negatively effected my credit profile
Product: Payday loan, title loan, or personal loan

I have been discriminated against by Pentagon CU. There are no federal law

s that state a credit score can deny me my right to extend credit. I am in good faith exercising my rights and I the natural person have been discriminated against Pursuant to 15 US Code 1691 Scope of prohibition A ) activities constituting discrimination, it is unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction- 1 ) on the basis of race, color, religion, national origin, sex out martirial status 2 ) because all or part of the applicants income derives from any public assistance program : or 3 ) because the applicant has in good faith exercises any right under this chapter This denial is illegal according to the equal credit opportunity act, which is codified in 15 USC 1691 ( c ) & is persuant to civil liability under 15 USC 1692 ( k ) I am pursuant to 15 USC 1602 ( l ) The term credit card was used to initiate the consumer credit transaction. I am also the cardholder and the holder in due course. Pursuant to 15 USC 1602 ( n ) the credit card ( social security card/number ) was provided by me to initiatethe transaction. It is not possible to be denied with credit Ive provided. Again I am the holder and due course and pursuant to 15 USC 1681 ( a ). The term adverse action never mentions the consumer being denied credit because it is impossible to be denied credit in which I am granting your company. The right to extend credit in pursuant to 15 USC 1602 the term credit means the right granted by a creditor to a debtor to defer payments of debt or to incur debt in deferrers payments.

Pursuant to 15 USC 1611 Pentagon CU isgiving me false and inaccurate information willingly and knowingly because this information is public there is no excuse to break this law.

Credit is my right and I am the individual who regularly extends credit in the connection with loans and Pursuant to 15 USC 1602 ( g ) I am the original creditor and I am well aware of my rights. I know that reporting to the consumer reporting agencies is voluntary. This is a private transaction and this is an unfavorable situation to me as the consumer.I am credit worthy and this is a consumer credit transaction. By law credit worthiness is left up to assumption and by stating that I am credit worthy removes the need for assumption. I am stating this as fact.
Product: Money transfer, virtual currency, or money service

My Paypal account was permanently limited for no reason last XXXX of XXXX. They hold my funds for 180 days, received an email last XX/XX/XXXX that my funds are ready for withdrawal. I tried withdrawing my funds from my account using the linked bank account on my Paypal account, unfortunately, the bank account is already inactive, so the bank transferred back the money to my Paypal account. Now, I can't withdraw my funds since I am not allowed to add another bank or to transfer my funds to another Paypal account holder since my account is permanently limited.
Product: Money transfer, virtual currency, or money service

I have a crypto wallet with Blockfi and Blockfi has stopped my ability to withdraw funds. The amount of XXXX  is about {$7000.00} ( amount goes up and down according to market ). I don't get involved with Blockfi loans, I only have an interest account with them. My account had nothing to do with Blockfi involvement with XXXX! ... Thanks for your help! 
XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT.I FOUND NUMEROUS INQUIRIES FROM CREDITORS WHO I DID NOT GIVE MY PERMISSION TO PULL MY CREDIT REPORT. THESE INQUIRIES ARE FRAUDULENT.PLEASE REMOVE THESE FRAUDULENT INQUIRIES FROM MY CREDIT REPORT. XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Even auto fill generates the wrong information making related fix necessary W O W.This is so ludicrous what can one say. TransUnion can not find my credit file even after having name address and Cfpb complaint! Their response report number XXXX qualifying their ineptness- opinion by years of complaints YEARS. With NO RESOLUTION OR ACTION BY THEM. Boxes of similar letters all three agencies. Opinion All A facadem
Product: Credit card

I started receiving billing statements from American Express on a card I never received, I called on XX/XX/XXXX to cancel since I had no idea where the card ended up. I live in a rural area in Alabama and sometimes receive other peoples mail and figured my mailing had ended up in someone elses mailbox or lost. I had extended conversations on XXXX & XXXX with American Express thinking each time we had it resolved to only get another billing statement the next month. They told me I had 30 days to cancel the card and I clearly explained that I was unaware the card application had been approved since I never received the card and was told that it was my responsibility to get the card not theirs.I called back on XXXX XXXX and spoke with XXXX different American Express representatives and clearly explained the situation, I didnt receive the card or any benefit from the card and to clear this charge. Kept receiving billing statements and called American Express again on XXXX XXXX and spoke with American Express representative and AGAIN explained the circumstances and situation and was told they would look into again and for me to call back in XXXX weeks. This has been going on since XXXX with a Company I have had a card in good standing with since XXXX, they have not sent any responses and have told me to call back to check on any resolution. I am a XXXX XXXX XXXX man who takes any bill very seriously and take pride in paying for services rendered, in this case no service or benefit was ever rendered. I applied for this card back XXXX XXXX and NEVER received it, only called because I started receiving billing. Really disappointed in a company that I have been doing business with since XXXX in how unprofessional they have been and are trying to force a bill on me that I didnt receive a card or benefit from!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Debt collection

The original creditor XXXX  violated FCRA by misstating the balance due. The original creditor sold by debt to collection agency named Trueaccord. On my credit report it says balance due {$120.00}. But true accord is requesting {$120.00}. I will be submitting attachments as proof. The point of action is to remove this collection debt from my credit report immediately. I have asked Trueaccord for validation letter but never received it over and over they wouldnt help. I submitted a validation letter.