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

On XX/XX/XXXX I opened an online savings account with American Express National Bank. I linked it to one of my checking accounts at XXXX XXXX XXXX and submitted a XXXX $ transfer from XXXX XXXX to American Express. 

The next day XX/XX/XXXX I verified the trial deposit that American Express made and the transfer was initiated. After about a week I made another XXXX $ transfer from my checking account at XXXX XXXX to American Express. 

A few days after the second transfer I checked online and both transfers had been debited to my checking account at XXXX XXXX and the XXXX $ balance was now available at american express. 

On XX/XX/XXXX I opened a statement from American Express dated XX/XX/XXXX and I noticed that the two transfers had cleared on XX/XX/XXXX and XX/XX/XXXX and that on XX/XX/XXXX there was a " Miscellaneous Withdrawal '' debit of XXXX $ and an ending balance of zero. 

Note that from XX/XX/XXXX until XX/XX/XXXX I was not contacted by American Express by mail, email or mobile phone number. 

On XX/XX/XXXX I called American Express and I asked what was going on. I was advised that my account had been closed. They didn't tell me the reason ( which I am fine with because I understand that they have the right to do so ) and they claimed that they didn't have to even notify me. 

I requested that they transfer back the money to XXXX XXXX or send me a check and they refused to do so, telling me to contact XXXX XXXX. 

On XX/XX/XXXX I then set up a conference call with the two banks. Then American Express asked XXXX XXXX to attempt to reverse the charge as if it were unauthorized. 
This is problematic because the charges WERE authorized by me and cleared properly from my bank. 

This is an outrageous behavior from a regulated bank. I don't contest their right to close my account but their refusal to refund me promptly my balance AND the accrued interest.
Product: Debt collection

Designed Receivable Solutions - XXXX XXXX XXXX XXXX, Ca. XXXX XXXX Incorrectly reported what it seems to be a medical bill from XXXX XXXX XXXX XXXX XXXX in XXXX, Ca. I have tried numerous times to have the collection removed from both credit agencies. They have admitted this debt belongs to someone else. They are requesting a copy of my credit report. I have a problem providing that information to them, and I do n't feel comfortable sharing so much confidential and private information. They claimed it is my responsibility to prove they made a mistake. I am willing to share a portion of my SS # and a copy of my XXXX.
Product: Mortgage

We are submitting a formal complaint about the lengthy and challenging VA loan assumption process we are experiencing with XXXX XXXX XXXX XXXX and their servicing company, Dovenmuehle. 
On XX/XX/year>, we entered into a contract to purchase a home owned by a veteran. This property was advertised with a VA assumable mortgage at an attractive interest rate, a key selling point for us. Just three days later, the veteran submitted an application to XXXX XXXX XXXX XXXX for us to assume this loan. Initially, we were informed that all communication would be conducted exclusively through mail, with no option for phone or email contact. 
After weeks of waiting without any communication, the seller managed to obtain an email address. We promptly sent an email and received the application documents, which we returned on the same day. Additionally, we overnighted a paper copy to the service provider, Dovenmuehle. Despite responding to all requests within 24 hours, communication from Dovenmuehle has been consistently slow. The process finally entered underwriting on XX/XX/XXXX. We were required to send a check for {$4100.00}, which was cashed on XX/XX/year>. 
It has now been over 120 days since we initiated this process, with more than 74 days spent in underwriting. The initial documentation indicated that the entire process could take up to 90 days, including up to 45 days in underwriting. 
Communication with Dovenmuehle has been extremely difficult. Although the seller submitted official documentation authorizing both us and his realtor to inquire about the loan assumption, customer service representatives eventually stopped recognizing this authorization and imposed additional requirements to receive updates. 
Meanwhile, we are unable to close on the purchase of this home. Due to a job-related move to a new state, this situation is incredibly frustrating, costly ( exceeding $ XXXX in rental fees ), and challenging for both us and the seller. 

Please note : we have detailed records of all our communication with these companies related to this issue, if requested.
Product: Money transfer, virtual currency, or money service

Coinbase has literally halted all activities on my account and I can not sell or withdraw any of my crypto or sell my coins. I've had a Coinbase account since 2018 and all of my information has been verified/gone through XXXX. 

On XX/XX/XXXX- I made two cash deposits via ACH from my bank. I immediately purchased some cryptos with the cash. Both transaction has been settled and confirmed since XX/XX/XXXX. However, I am getting the below message when I try to sell or withdraw ANY amount : " No coins to sell. You currently don't own any. Try buying some to get started. '' Every time I try to chat with a live agent through the App- they keep disconnecting and claiming I am not there to respond. Previous support ref # : XXXX Order ID XXXX Order ID XXXX
Product: Money transfer, virtual currency, or money service

Paypal wont let me take my money off my account they have been holding down my money for over a year, i tried multiple times to fix this then they told me to place a call which i did and i was told a check would be sent to my address and they never send it, and i kept calling and calling the just keep whining! payment was received in my paypal account XX/XX/2020 email linked to my paypal is XXXX XXXX
Product: Mortgage

Wells Fargo stated I can not obtain the COVID modification due to the deceased being on the title and the inability to clear the title. 
please see supporting document the deceased is not on the recorded mortgage. 
Please help me save my home. I have been paying each month and just would like to move forward from this year long situation.
Product: Credit card or prepaid card

I have had a problem with capital one credit card since XX/XX/2022. It was frozen due to " suspicious activity ''. However, there was no suspicious activity. They are incompetent. I have followed their procedure to fix this at least 4 times. But they due nothing except lie to me. I want to close this $ @ # % $ $ % ^ & account but they won't communicate with me at all because there is a problem with my card.
Product: Credit reporting or other personal consumer reports

Dear Equifax Dispute Resolution Team, I hope this letter finds you well. 

Upon recently obtaining a copy of my credit report, I identified multiple discrepancies that require your immediate attention. These discrepancies include unauthorized inquiries and conflicting information across different credit bureaus. Specifically, the discrepancies pertain to differing account numbers, dates of last activity, last payment dates, balances, account statuses, and original balances. The accounts in question are as follows : XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX, 2023 XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX, 2023 XXXX XXXX Inquiry Date : XXXX XXXX, 2023 In accordance with 15 U.S. Code 1681e ( b ), which mandates the implementation of reasonable procedures to ensure the maximum accuracy of the information contained in an individual 's report, I request that you provide complete documentation related to these accounts. This documentation should include : The original contract bearing my wet signature. 
Full transaction history from the date of account opening to the present or closure. 
Any other documentation used to verify the accuracy of the accounts. 
Additionally, as stipulated under 15 U.S. Code 1681i ( a ) ( 5 ), in the event that any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable after a reinvestigation, the consumer reporting agency is obligated to promptly delete or modify the erroneous information and notify the furnisher of such action. 

I trust that you will conduct a thorough investigation into this matter. Should you be unable to provide verifiable proof within XXXX business days following your investigation, I expect the disputed accounts and/or information to be expeditiously removed. 

Enclosed, please find copies of my identification and a utility bill to verify my identity and address. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance credit reporting act. The accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX, Account Name, LVNV FUNDING LLC has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right 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 an account without my written instructions.

1. An acknowledgment of the dispute within thirty ( 30 ) days. 15 USC Sec. 1666 ( a ) ( 3 ) ( A ) ; 2. If the error is not corrected, a written explanation report following a reasonable investigation, including the production of documentation evidence, within ninety ( 90 ) days. 15 USC Sec.

1666 ( a ) ( 3 ) ( B ) ( ii ) ; and 3. No restrictions or adverse actions on the account, pending resolution. 15 USC Sec. 1666 ( d ).

FAIR CREDIT BILLING ACT VIOLATIONS. Failure to follow the rules pending resolution : 1. Relinquishment of the right to collect any alleged debt on the account. 12 CFR 226.13 ( d ) ( 1 ) ; 2. Exposure to liability for actual damages plus twice the amount of the finance charges. 15 USC Sec. 1640 ( a ) ( 1 ) & ( 2 ) ; and 3. Potential criminal liability for willful and knowing violation of the FCBA and other Truth in Lending provisions. 15 USC Sec. 1611 ( 1 ) & ( 3 ).
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX I signed up for a credit line with this creditfresh.com place and later I find out I have to pay XXXX XXXX interest on this credit line monthly I find this illegal and immoral
Product: Credit reporting or other personal consumer reports

I wish to contest a derogatory item present on my credit report that I believe to be inaccurate, untrue, incomplete, untimely, and potentially not even associated with my responsibility. Upon thorough examination of my report, I have identified numerous errors and inaccuracies being reported. I kindly request that you carefully review and rectify any and all of these discrepancies, ensuring they adhere to the standards of truthfulness, accuracy, completeness, timeliness, ownership responsibility, FCRA compliance, XXXX XXXX Format compliance, and any other relevant regulatory requirements governing reporting obligations.

Your agency is in violation!

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.

The following disputed information represents allegations that lack sufficient proof of validity and compliance. I insist that you promptly remove these entries from my report. I expect this action to be taken without delay. Below is a list of the contested information : Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NY, XXXX Incorrect Name : - XXXX XXXX XXXX DOB : - XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NY, XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

I DONT AUTHORIZE THESE INQUIRIES, PLEASE REMOVE XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

SSN AND PERSONAL INFORMATION EXPOSED BY EXPERIAN XXXX CREDIT PULLS EXORTED DATA. MY INFORMATION IS JUST NOT WORKING ANYMORE, DETRIMENTAL FOR MY BUSINESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account with XXXX ending in # XXXX, 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: Debt collection

I get repeated calls from ( XXXX ) XXXX & ( XXXX ) XXXX. They leave a message that this is a confidential matter and that they are trying to collect a debt. I do not identify myself on my VM, so they should not be leaving this message. They have also called my parents house and my ex-husband and left messages on their VM. They are not respecting my privacy. They say on the message to go to the website and enter the account number they give to pay the debt. I tried just to see if this is for a legit debt and the account number doesn't exist. As far as I'm concerned this is a scam. They threaten to take legal action if the debt is not paid. The voice on the message sounds like a robot. They identify themselves as Direct Recovery Services.
Product: Mortgage

Fay Servicing did not pay my homeowner 's policy from my escrow account on time, although there was sufficient funds to do so. My homeowner 's policy was cancelled on Friday XXXX XXXX XXXX. 
I did get an email that Fay paid the premium late ( XXXX XXXX. XXXX ). 
However, since the payment was made this year it has caused my escrow balance to be in the negative. 
Fay told my insurance agent on XXXX XXXX, XXXX that they were going to overnight the insurance payment. They did NOT do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested numerous times to get these disputes removed off my credit reports, they are keeping me from getting approved for my mortgage to purchase a home. I have already submitted complaints XXXX / XXXX / XXXX. I have contacted XXXX, Equifax, and XXXX to please removed these disputes from my credit reports, they have said that it was done, but it is not. Please help me to get these disputes removed from my credit report, I am past frustrated and tired of talking to these companies about getting these disputes removed.
Product: Credit card or prepaid card

This is a credit card that I use monthly, but I also took out a cash advance in XXXX. Since XX/XX/XXXX, I have been paying the credit card balance in full each month ( statements attached to show this ), but they are still charging me interest on the cash advance. I tried talking to their customer service, but they could not explain to me how I was paying the balance in full each month sinceXX/XX/XXXX, but still being charged interest. There is no extra " balance '' showing up on page 1 of the statement, and I am not sure how I am supposed to pay more than the balance due each month, or how I am supposed to get rid of this supposed cash advance balance that seems to somehow be hanging out there each month and accruing interest. I have attached all statements sinceXX/XX/XXXX that show I have paid the balance due on page one of each statement in full each month, but also on page one it shows I am being charged interest - which is reflected then on page 3 of each statement as an interest charge for a cash advance balance ( but there is no where on the statement where this is reflected  in my balance owing on the statement, and therefore no way for me to pay it off ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I went into a settlement with Prosper in XXXX of XXXX. My monthly payment went from {$600.00} to {$420.00}. Since XX/XX/XXXX, I have paid the agreed-upon amount per my settlement agreement each month. The final payment was made on XX/XX/XXXX and Prosper has shown me late each month since XXXX of XXXX. I have the settlement agreement and the bank statements showing that I have never been late with this account. I have tried to get Prosper to correct this many times and they will not. I have also tried to dispute this with no help from the 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

Today, I was taken aback to see inaccurate accounts on my credit report. I check my report regularly, so I couldnt understand why these errors were there. Thinking it might be a temporary glitch, I refreshed the browser, but they didnt disappear. This situation has left me unsettled, and I would appreciate a thorough review of my documents so I can avoid future worries like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in the regular business of assuming the role of a credit reporting agency and in the regular business of collecting the personal information of consumers. Equifax is bound by the Fair Credit Reporting Act, the Privacy Act of XXXX and state laws requiring the safekeeping of the personal information of consumers. However, in XX/XX/XXXX, Equifax became aware of a data breach where over XXXX XXXX consumers ' information was stolen by unknown perpetrators, of which I was affected. Equifax did not adequately inform me that my information was stolen. It wasn't until XXXX that I learned of an extended claims period. Between XXXX to present, Equifax has failed to report accurate information on my credit report. I have been denied credit no less than 10 times due to Equifax misreporting my personal credit information. I have had fraudulent accounts reporting on my credit report. I have also suffered the same through Equifax affiliate credit agencies by being denied apartment leases, employment, higher car loan rates, and denied other open ended consumer credit accounts. I still have inaccurate information reporting on my credit report that Equifax refuses to delete despite numerous complaints made by me to the CFPB. Equifax consistently and negligently continues to violate my federally protected rights and state rights as a California resident. Equifax should not be allowed to do business in the US. I have spent and lost hundreds of thousands of dollars trying to repair my credit, protect my personal information and credit, and prevent my information from being stolen in the future.
Product: Debt collection

XXXX initiated a loan with me in XX/XX/2018.The loan interest rate exceeds 150 per cent APR. 
The CALIFORNIA SUPREME COURT RULED IN XX/XX/2018 that this loan 's interest rate was " unconscionable '' violates California 's UCL ; Bus.and Professions Code 22302.The court ruled that this lenders unconscionable interest rate along with other behavior displayed by XXXX made the loan UNENFORCEABLE. 
AN UNENFORCEABLE LOAN CAN NOT BE DISPLAYED ON A CREDIT REPORT AS THAT DISPLAY IS '' AN ATTEMPT TO COLLECT A DEBT '' .THIS LOAN, IF NOT DELETED BY ALL CREDIT BUREAUS CAN SUBJECT BOTH BUREAUS AND THE FURNISHER TO CIVIL DAMAGES IN CA SUPERIOR COURT SHOULD SUIT BE BROUGHT BY ME.
Product: Student loan

Navient applies payments made to contested fees first so that each month they send notices that I am past due. I am submitting the minimal payment and have contested the fees they have assessed.
Product: Debt collection

I disputed this, I have no knowledge of this account. I requested supporting documents, however I only received company charges. No contract or agreement, nothing signed, no handwritten information at all.
Product: Credit card or prepaid card

Problem I had learned that I owed JC Penny/Sychrony Bank {$230.00} when I refinanced my home XX/XX/XXXX. XXXX XXXX deducted this amount from my net proceeds and gave me a check for {$230.00}. I had no prior knowledge of this. I had moved to a new primary address in XX/XX/XXXX and had forwarded all mail to my new home address ( to be fair this may have been the initial cause of the problem ). In XX/XX/XXXX, I reached out to Synchrony Bank when I first learned of this outstanding balance for an explanation or a copy of a statement and they failed to provide it to me. I did not believe I owed anything so without any statement I completed a fraud report and sent it to me Synchrony Bank and they failed to respond back to me. What they did was to send the amount to collection. 
I finally received a copy of the statement from the Collection Agency, XXXX XXXX XXXX ( XXXX XXXX ) after I attempted to receive this from Synchrony Bank, XX/XX/XXXX. The statement showed a interest fee of {$1.00} back in XX/XX/XXXX which compounded to {$340.00}. 
On XX/XX/XXXX I disputed this amount with XXXX XXXX and they sent me the backup copy of the statement. I would not want to deal with Synchrony Bank again.
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 demanding to be deleted immediately : 8. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

Debt collector garnished wages after I sent a wage exemption form within the 10 days of receiving notice. Wages were garnished on XX/XX/2024. I am exempt and am on government assistance. ( Wisconsin XXXX )