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

Global Corona pandemic and Navy Federal credit union REFUSED to release my COVID-19 stimulus payment! After 2 frustrating calls to their call center explaining my XXXX son and needed the funds release for food, a supervisor NAMED XXXX RUDELY HUNG UP ON ME before falsely accusing me calling her lier ; ALL ON THEIR RECORDED LINES!! 
After the first rude disconnection and her ( XXXX ) refusal to release my funds into my account ; I called back requesting another supervisor to collect names and chain of command complaint contact information. 
Coincidentally, XXXX answered the second supervisor escalation also! Unaware she was THE RUDE/CURT supervisor whod previously hung up on me before identifying herself ; Id asked her to check previous digital call log and provide me with names of parties involved. 
She proceeds and then confirms she was the RUDE/CURT supervisor whod disconnected!! 
XXXX went on to falsely give me inaccurate time stamps of the previous call, which I brung to her attention and reminded her the call was being monitored ; and that Id never called her her lier as shed accused!! 
XXXX then falsely claims shes being badgered ; I then asked if she was XXXX as situation didnt warrant any other plausible reason for her refusal to do her JOB!!! Which was to release the pending funds into my account. XXXX then rudely hung up on me AGAIN, leaving my XXXX son and I HUNGRY!! I wish for call logs to be reviewed and XXXX to be FIRED FOR DISCRIMINATION!!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/year> 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a complaint stating that an account was opened with XXXXXXXX XXXX that I didn't authorize nor give my consent. I also attached a FTC report in proof on identity theft. TransUnion removed the account from my consumer file and since have reinserted this fraudulent account stating that it has been verified. On this investigation results TransUnion is also reporting on this notice that the account in question address is XXXX XXXX XXXX, CA Exhibit A. After I viewed the other two credit agencies I discovered that all three Credit reporting agencies are reporting different addresses for XXXX XXXX XXXX Exhibit B, C & D So now the question is who is this company that verified this account. I XXXX the address Exhibit E and the address that TransUnion is reporting is not the correct address.
Product: Payday loan, title loan, personal loan, or advance loan

I am filing this complaint against Dave Inc. due to their refusal to honor my formal revocation of authorization for automatic debits under the Electronic Funds Transfer Act ( EFTA ).

I took out an ExtraCash advance from Dave in the amount of {$470.00}. While I acknowledge my responsibility to repay this balance, I have formally revoked authorization for Dave to automatically withdraw funds from my connected bank accounts. This revocation was communicated to Dave on XX/XX/year> and reiterated in subsequent emails. Despite my clear instructions and the protections granted under the EFTA, Dave has refused to honor my request, citing their internal policies.

Dave has ignored my revocation and is proceeding to charge my account tomorrow, XX/XX/year>, for {$480.00}. This charge is unauthorized as I explicitly revoked their authorization. I have repeatedly requested confirmation of compliance with my revocation, but Dave has failed to respond adequately.

I am seeking the CFPBs assistance to address this violation, stop unauthorized charges, and ensure Dave complies with federal law.

I have attached all correspondence with Dave, including my revocation request and their responses, as well as the notification of the pending charge.
Product: Vehicle loan or lease

The late on my credit from XX/XX/2020 is an error! Toyota accidentally charged me a {$10.00} fee, marked me late, Repossessed the car, returned the car, and told me they would fix it! They are lucky I'm not suing them for damages! The 30 day late never happened and I suffered tremendously from it! Please help me remove it from my credit so that I can obtain a small level of Justice for this horrific event! What if a child was near when they repoed my car! What if my neighbor didn't believe me! The social harm alone!
Product: Debt collection

On XX/XX/XXXX I discovered a collection account in my XXXX and XXXX report, from XXXX XXXX XXXX ; the original creditor is XXXX XXXX XXXX. I disputed the account on my XXXX and XXXX personal credit report, but never received answer or results of their investigations.

I called to the collection agency to ask the reason of this bill, I was in shock because I always pay in time my insurance bill directly to the insurance broker office, during the call they tried to collect a {$330.00}, I asked for details of the bill because is any reason of this debt.

They told me this collection is for a insurance coverage of XX/XX/XXXX on my 3 cars, I told them that is not possible because during XX/XX/XXXX I had a insurance policy with another insurance company -XXXX XXXX XXXX XXXX- ( see the attachment ), I told them my broker cancelled the XXXX XXXX XXXX in time.

The representative told me that if I send out a fax to them with proof of my XXXX XXXX XXXX XXXX policy and if the policy period match with the unpaid bill, they will cancel the bill and remove from my credit reports. I faxed to the XXXX the proof they requested ( see the attachment ) and then I wait for 2 weeks.

After two weeks I checked my XXXX credit report because the collection account most be deleted, but the account was there in my report, so I called again to the collection agency to follow up. They told me their client made a balance adjustment because they review my fax and they changed the balance to {$290.00}, I asked the reason of the bill and the representative told me she just can disclose the insurance policy is for XX/XX/XXXX and her client ( XXXX XXXX XXXX ) sent to my mailing address a validation letter of this debt on XX/XX/XXXX, but at this time I haven't receive yet.

This is an illegal practice of the Insurance company to try collect double insurance bill.
Product: Checking or savings account

On XX/XX/XXXX on this year.usaa isclosing my account and are refusing to close my account until 60days and I don't owe them anything. I can't pay my bills or feed my family. I am a XXXX XXXX veteran. And this is crazy.can I please get help
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit card issuer - Capital One - has refused to notify the major credit bureaus regarding the updated status of my account even after the collection agency they retained to collect the debt, notified them that the account balance has been satisfied. The collection agency, XXXX XXXX, responding to a separate complained provided a letter confirming account balance satisfied. 

The credit card issuer has reported an updated comment " In collections/charge off '' which is inaccurate and further negatively impacts my scores. The issuer has submitted this incorrect update, after being notified of receipt of the full balance ( see attached ).
Product: Money transfer, virtual currency, or money service

XXXX, XXXX- Paypal " limited ''/ froze my account for supposedly breaking their Terms of service. Never told me why my account was limited even after trying to contact Paypal customer service. My account from " limited '' with approximately {$480.00} in the account. Paypal then sent me an email stating my account was limited for breaking their ToS and the money would not be available for withdrawal for 180 days. After 180 days of holding the money incase of charge backs or to settle and debits on the account, i was lead to believe that I would then be able to withdraw my money. 
XX/XX/XXXX - After 180 days, Paypal decided my untold breaking of their Terms of Service would be assessed a potential {$1500.00} fine. So they seized all the money in my Paypal account which was {$480.00}. After again contacting paypal, customer service, they still wouldnt tell me what my alleged ToS break is and why they get to steal {$480.00} from me. 
XX/XX/XXXX to XX/XX/XXXX- Multiple calls and emails with Paypal customer service, all they would tell me is that my account is limited and that there is nothing these customer service people could do about it. All emails were ignored and un answered. Only way to get into contact in any way with Paypal was to call them and wait 60+ minutes on hold. They kept saying " our back end staff have evaluated your account and have deemed that the limiting of your account was final. '' I couldnt get any contact info for the " back end '' people to get any answers. 
XX/XX/XXXX- XX/XX/XXXX - XXXX had pretty much given up on getting my money back and just let paypal rob me of {$480.00}. 
XX/XX/XXXX - Got in Paypal website to request my account be closed through their web portal. Paypal website notified me, I couldnt close my account from the website and would have to contact customer service. 
XX/XX/XXXX - Contacted paypal customer service XX/XX/XXXX, to request that all my PII ( personally identifiable information ) be deleted from their servers and my account be closed. Requested paypal delete all my banking account numbers as well as my SSN. Customer service representative XXXX ( reference number XXXX ) told me he couldnt do anything for me but led me to the Paypal website where I could request Paypal delete all my information from their servers. Upon using this website portal to delete my information, received an email stating they would evaluate my request. 
XX/XX/XXXX - Received email from Paypal stating they wouldnt delete my information from their servers because my account is " limited ''. Again called Paypal Customer service, again customer service representative said they couldnt help me in any way.
Product: Credit reporting or other personal consumer reports

I HAVE FRADULENT ACCOUNTS & INQUIRES ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE COMPANIES TO ACCESS MY CREDIT REPORT OR OPEN THIS ACCOUNT ACCOUNTS : XXXX XXXX XXXX  - {$9000.00} INQUIRIES : 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

Multiple incorrect mailing address, employer, date of birthday and names are being reported on my credit report. I have reached out to XXXX, Transunion XXXX XXXX several times over the last 3 years to have my report corrected with no correction. These errors are hurting my credit file and prohibiting me from purchasing property and receive loans for my business because they are linked to accounts that are fraudulent and not associated with myself.
Product: Credit reporting or other personal consumer reports

To begin, according to the FCRA 605B ss ( 15 U.S.C. ss 1681c-2 ), it is illegal to report any information on my credit report without my permission. 
I, a federally protected consumer, have never conducted business with a Jefferson Capital. I have contacted this company by mail requesting proof of a contract containing my wet-ink signature with no response or recourse. 

I have conducted a UCC-1 search in the states that I have lived in the past 10 years. My search produced zero liens from any person or organization. 

Just because this company purchased a debt, XXXX does not have the right to continuously violate my federally protected consumer rights which have a severely negative impact on my livelihood. 

Furthermore, I have disputed this fraudulent activity on both XXXX and XXXX and both have admitted to their faults and removed this item from my reports. 

I will request one additional time that you remove this item and update my report accordingly. 

I will be seeking remedy for no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.
Product: Debt collection

Around the middle of XX/XX/XXXX I received a call from a man named XXXX from a company called True Solution Inc. XXXX XXXX XXXX XXXX. XXXX informed me that this company was working on behalf of the Department of Education to assist me with consolidating my student loans and getting me into a reduced payment plan based on my income/dependence. He walked me through what my payments would be, and had me sign the contract via email. I contacted the Department of Education and my current loan holder ( XXXX ) and both said they did not know anything about this company. The Department of Ed told me to contact the Federal Trade Commission and the XX/XX/XXXX. In the mean time I blocked my credit card information. I received a letter from a company called XXXX XXXX XXXX saying my loan had been transferred to them as of XX/XX/XXXX, with a balance owed of {$1200.00}. I called them and they referred me back to True Solution Inc. when I called them back I was told their was nothing I could do about it, I signed a contract and that an attorney would do nothing to help me. They said they would report this to my credit report. They claimed that they are charging for the work of consolidating my loans. The manager that I spoke to laughter in the phone, told me I wasnt competent enough to talk to him and that I needed to have my attorney contact him. He gave gave me his name as XXXX and his number as XXXX. I spoke with the Department of Education and they stated that consolidating my loans was a free service through them and that setting me up on a percentage repayment plan was a free service from them as well and that I should not have To pay anyone to do this. I have not paid anything to either of the companys but need this removed from my credit. I was informed that I was scammed. The XXXX XXXX XXXX agreed. I still going to reach out to other organizations before contacting my attorney to help resolve this. The company has only been in service less than a year and has a few complaints listed already. I have called and asked them to send me a copy of my contract and still have not received it. It was supposed to be sent to me via email.
Product: Credit card or prepaid card

Comenity Bank has not updated the activity occurring on my XXXXXXXX XXXX credit card since XX/XX/2022. As such the balance information is incorrect. Customer service indicated in XX/XX/2022 that it would be updated in 45 days. 

It still is not updated. My current balance is {$0.00}. I've had to file disputes with all 3 credit reports as well.
Product: Credit card or prepaid card

I went to XXXX XXXX ( XX/XX/2017 at XXXX ) with the intent of doing the 90-Day ( Promotion pay in full with NO CREDIT ) I made it clear I did not want a credit card with the associate XXXX XXXX. 

XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXX/XX/2017 at XXXX She asked for my name, information, address ETC. I did not sign anything and a few minutes later she hands me a paper saying I have been approved for XXXX. I did not sign anything and they still opened a credit card in my name. I spoke to the manager and she said there is nothing they can do since the associate had already submitted my application ( Which I did not even consent to or sign and basically said its my problem to call XXXX XXXX to close the account ). 

The manager called XXXX XXXX and provided the " Key Number '' as soon as this happened to say that the line of credit will " disappear '' if I don't use it for 30 days. She was denying the fact that they opened up a credit card in my name and said to " not worry '' its a " mattress '' credit card and not a regular " visa '' credit card.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth time requesting that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit Experian permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. Please remove the inquiries from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : 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 card

Received a letter in the mail XX/XX/year> that a credit card was denied due to 'Unable to verify information ' through the credit bureau they used. I have requested what information was not able to be verified with no response. 

This credit check is showing on my credit history as a hard hit. The credit application was processed on XX/XX/year>
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these funds was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Payday loan, title loan, or personal loan

I called XXXX XXXX in XXXX, AZ on XXXX XXXX today, XXXX XXXX, 2017 to pay off my title loan in full because the car no longer runs & I dont use it, so need to junk car. Last statement amount is {$510.00} but they charge interest daily. Im changing bank accounts & had debit card from my joint account instead of account they have on file. Was told I could not pay off my loan in full except with card on file over the phone, only make a 1 time installment payment for the minimum amount. I told them I couldnt come into the store because I moved out of area. True. The location is in XXXX, AZ & I live over an hour away in XXXX, AZ. They wouldnt take money from me/let me pay off loan. I told them repeatedly I found it odd they didnt want to take my money & it seemed like they didnt want the money & if they wanted their money they needed to let me pay off the loan or they could just have the car. They refused both. I asked to speak to a manager. First woman claimed to be a manager, so I requested to speak to someone above her. She finally agreed after I insisted & put me on hold for several minutes. Then another woman got on the line & claimed to be a manager. Im not convinced either employees were really managers. She told me I couldnt pay loan off or give them the car & they had a lien on the car so I had to make payments. It made no sense. I want to pay loan so I did something Im not proud of, I lied & said I moved to California & couldnt come to location. She still wouldnt let me pay the loan off. I asked to speak to her boss. She told me she was the boss. I told her she must have a boss. She told me to call corporate XXXX number & leave a message. I went to website where theres zero information on paying off loans, only information on taking out title loans. I filled out a contact form asking why it was impossible to pay off loan & telling them if they wouldnt allow me to pay off the loan, I was having car towed to their XXXX location this weekend & that the account they have on file is being closed.
Product: Credit card or prepaid card

Pay Care Credit the total full amount on my account which was applied to my balance on XX/XX/2019, I also contacted SYNCHRONY BANK/Care Credit the very next On XX/XX/2019 to confirm that my payment was received the full amount of which they were paid which they did do. Care Credit Synchrony Bank AKA Care Credit was paid in for the total estimated amount of XXXX on XX/XX/2019 and it was posted to my account on XX/XX/2019 with verification the also sent me a confirmation letter that they were paid in full the total balance. I will also be attaching my letter to verify that the account was paid in full with a verification letter and a confirmation code.