23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Att has been trying to exhort me for money I dont owe them. I have told them that, and provided them proof that if and when an account was opened up there I wasnt living in the property, however my x-wife resided at the property after we split, and then she rented it, before we got divorced and sold it, they have been trying to collect {$390.00} or sometimes XXXX, and other amounts, from me and I called them about this and they said they would get it corrected and removed, but the harassment and assault to my credit by four different collections agencies since XXXX has not ceased and I'm tired each time I have had to spend countless hours and time and resources to have it removed from my credit report and it needs to stop. XXXX XXXX XXXX. XXXX XXXX XXXX, some other company, and now XX/XX/XXXX, I.C. System Inc. This has got to cease, this is illegal, for any all and all companies to just throw a charge on your report as many times as they want without honorable merits, I asked for my id or signatures of the contract, they never provided it, nothing but statements generated that I didnt own or make a bill for in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified mail with license proof of address and social card. My credit report contains many old address or unknown address that does not have to appear per FCRA.my credit report should be 100 % accurate. i informed you of this. you refuse to remove the old outdated address. Its affecting my score and thats affecting my life financially and mentally. 
Name-XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX phone # XXXX XXXX XXXX XXXX XXXX remove my work history on my credit report. its not lawful, i sent proof of verification before and i now have to go through the CFPB for help. please send me a copy of my report after all the changes have been updated.
Product: Credit card or prepaid card

On XX/XX/XXXX I got a Nordstrom store card and bill for the dates of XX/XX/XXXX to the XXXX, in the mail, under my Maiden name that I have not used in almost 20 years. 
I never applied for this card. 
It had a credit limit of XXXX dollars and purchase of XXXX dollars was used. 
I called the number on the bill, but did not trust them to give them my security number. They told me to call the credit bureau and dispute it. 
I called XXXX, was on the phone for an hour and a half and got the fraud dispute started. They to me to come her and file a police report to help the dispute to go faster.
Product: Student loan

On XX/XX/XXXX, I called to get the amount of months left on my loan. I was told I have approximately 10 years and a few months left on my loan, but that could change if my loan payment fluctuates ( goes up or down ). When I initially signed up for the student loan forgiveness payment plan, I was told that I would have to pay on my loan for 20 years and after the 20 years any remaining balance would be forgiven. I don't understand how my loan period would be extended beyond the 20 year timeframe if my loan payment goes up or down. What does the amount of my payment have to do with extending the time period of my loan and eventual forgiveness.
Product: Checking or savings account

XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Mail a complaint Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Friend : 13.8 percent of the U.S. households with XXXX ethnicity were unbanked in XXXX, which means that they had no account at an insured institution. 

My father is a XXXX XXXX XXXX veteran. Upon returning to America and the deep XXXX, XXXX. Although he had been promoted to the rank of XXXX he could only achieve employment has a driver. He was paid {$100.00} weekly in cash until the day he was injured on the job with insurance. 

As a veteran he never had a bank account. The socio economic conditions of the XXXX XXXX XXXX did not support the income foreknowledge or information flow for access to banking. I did not experience checking accounts until I arrived at a predominant non XXXX XXXX XXXX XXXX  XXXX 

In XXXX I applied for a Navy Credit Union account after viewing a XXXX television commercial which encouraged veteran family members to apply. I was denied an account because my father did have knowledge of the Navy Credit Union access. 
In fact, no bank reached out to XXXX XXXX for banking services. 

Navy Credit Union grand father clause or requirement of previous family members appears to be a Civil Rights Violations and in conflict with the. Community Reinvestment Act. 

grandfather clause grandfather clause, statutory or constitutional device enacted by seven Southern states between XXXX and XXXX to deny suffrage to XXXX Americans. It provided that those who had enjoyed the right to vote prior to XXXX or XXXX, and their lineal descendants, would be exempt from recently enacted educational, property, or tax requirements for voting. Because the former slaves had not been granted the franchise until the adoption of the Fifteenth Amendment in XXXX, those clauses worked effectively to exclude XXXX people from the vote but assured the franchise to many impoverished and illiterate XXXX. 
Although the U.S. Supreme Court declared in XXXX that the grandfather clause was unconstitutional because it violated equal voting rights guaranteed by the Fifteenth Amendment, it was not until Pres. Lyndon B. Johnson introduced the Voting Rights Act of XXXX that Congress was able to put an end to the discriminatory practice. The act abolished voter prerequisites and also allowed for federal supervision of voter registration. With the passage of the Voting Rights Act, the Fifteenth Amendment was finally enforceable. 



Navy Federal Credit Union navyfederal.org Description Navy Federal Credit Union is a global credit union headquartered in XXXX, Virginia, chartered and regulated under the authority of the National Credit Union Administration. Navy Federal is the largest natural member credit union in the United States, both in asset size and in membership. XXXX Customer service : XXXX ( XXXX ) XXXX XXXX pay : XXXX ( XXXX ) XXXX Headquarters : XXXX, VA XXXX : XXXX XXXX ( XX/XX/XXXX ) Founded : XX/XX/XXXX Number of employees : XXXX Subsidiaries : Navy Federal Financial Group, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : ORIONS MANAGEMENT Account number : XXXX
Product: Student loan

Navient has my student loan the loan was for XXXX I think not really sure now it is over XXXX now and I did n't even get to finish and the school is now closed XXXX XXXX which turned out to be a bust I need some kind of help to get rid of this debt I was making payments of XXXX a month until my tax check was being taken for student loans for the past three year but my loan keeps getting higher so I 'm guessing my payments were not being applied because I got a letter saying my tax check would not be taken as long as I was making a payment but it has for the last three years I really need my money I 'm a XXXX an hour At XXXX XXXX I went online at home you could never get help from the teachers my bill that comes in the mail says I owe XXXX and on the phone it 's over XXXX
Product: Credit card

Chase credit has " Chase Offers '' which is a regular promotion for cash back if you meet a certain spending criteria for particular product or services. XXXX of the products is " Chase XXXX '' where they had a promotion to spend {$500.00} and you received {$100.00} Back. 

I spent the amount as required but Chase is no honoring promotion without giving me a reason. I called first time, and the agent agreed I have met all the necessary conditions for cash back and will send this to appropriate team to review. I didnt hear them from them for XXXX weeks. So I emailed Chase customer service who promised a XXXX business day response but again no answer. I followed up and then I receive an email that the Offer conditions are not met without any details on how. I replied them with proof and this time, they are asking me for wait XXXX business days for response. Essentially they are playing me and wasting my time
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I came to the Wells Fargo branch at XXXX XXXX  to wire the funds for a real state closing to the XXXX XXXX. The XXXX of the branch XXXX XXXX processed the wire, however there was not process to verify that the wire instructions were legitimate. Few hours later I was contacted by the closing attorney who advised they didn't receive the funds, immediately we found out the wire instructions were sent from a hacked email. I contacted the manager of the Wells Fargo bank to place a stop payment, so she did and I got a claim number. The same night I verified and the funds were still on my account the day after XXXX  the funds left my account around XXXX XXXX. I contacted the Wells Fargo wire fraud department and I was informed the swift recall was not placed with the right procedure so the bank had to re-file a swift recall again but this time following the Correct process, the wire fraud representative mentioned the Wells fargo branch didn't reach the proper department and for that the funds were released from my account. On Monday XX/XX/XXXX my mother the second owner of the account visited the branch since I was out of the country due to work, and the Manager of the branch Mrs XXXX confirmed with the XXXX XXXX  after many calls and following many security protocols that the funds were frozen at the XXXX XXXX with a flag due to name discrepancy, Mrs XXXX advised my mother that the money would be recurved. After I returned back to USA on XX/XX/XXXX I contacted Wells Fargo wire fraud to the investigator Mrs XXXX, she mentioned the XXXX XXXX  did not t replied to the swift recovery yet. on XX/XX/XXXX I received a partial refund deposited into my account. After filing all the complaints with the police, FBI, and all consumer agencies, the XXXX  informed me on XX/XX/XXXX that they could only recovered what I was credited because the Wells Fargo did not informed the XXXX on time and the fraudester had time to withdraw {$32000.00}. The Wells Fargo was negligent by now stopping and freezing the money on my account immediately at the moment the fraud was found, also if the information released by the Wells Fargo manager was not accurate or there is a lose part on the chain that the wells fargo needs to investigate and determine and protect my rights as customer and victim of a crime. The wells Fargo did not followed up with the XXXX to make sure the funds were kept safe and frozen as the Manager was initially informed by the XXXX XXXX employee. 

The chase banks faults Wells Fargo for taking very long to reach, but I demand the refund of the {$32000.00} stolen. The culpability of either bank should be handle among the banks, not using me as a victim. 

The fraud alert whomever made the mistake, should not revert on my detriment. I am a customer of the wells fargo and the fraud alert should've stop the funds from leaving my account immediately and not allowing the money to leave 48 hours after. 
Thank you
Product: Mortgage

Last year, I spent close to XXXX hours on the phone with various departments at XXXX. During the deferral period ( on XXXX separate home mortgages ), XXXX tried to force me into a rate modification and applying impounds on both loans. I declined to ever do impounds since my ex-wife pays her taxes/insurance and I pay her XXXX XXXX. During that year, XXXX opened escrow on both properties, derogatory hits to my XXXX credit bureaus, even though I have always been current and no late payments. With WFB ineptness, I had to figure out how to contact XXXX different departments and spend XXXX hours untangling their mess. The originally home rep pushed my XXXX loans into a rate mod program even after I denied, resisted, and flat out said no. I would not accept their terms. As a former banker of 20 years in my former career, this was the worst display of banking/financing that I had ever seen. XXXX opened up escrow XXXX separate times in both loans which was ridiculous.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX  which falls under trafficking according to XXXX-Debt Final Rule 1002. 142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). 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.
Product: Credit reporting or other personal consumer reports

Identity theft report # XXXX lists the following fraudulent accounts I found on my TransUnion consumer report : XXXXXXXX XXXX  XXXX # XXXX.
Product: Debt collection

I purchased a XXXX XXXX XXXX XXXX van from XXXX XXXX in XXXX XXXX XXXX, Fl. in 2014 as my other car was in disrepair, I am a single senior female and lived far from a town. I also wanted to improve my credit score, so CHOSE to pay half the amount down and finance the rest at 24 % interest, intending to pay payments for six months and then pay it off. I test drove the van a couple times and all seemed to be o.k. 

Within 2 days after purchase, it developed a severe jerk in shifting from 1st to 2nd gear and the electrical system began having issues. Lights flickering, seats not working, tailgate would not open. I immediately contacted XXXX XXXX and the owner said he would either fix it or trade it for a comparable vehicle. In the meantime, trying to work this out, I made all my payments on time as promised, showing due diligence on my part. 

He set up an appointment with a mechanic, I went to said appointment and was told they were slammed and could not help me which I found odd. I then took it to XXXX XXXX myself and was told it would need to have the transmission rebuilt. XXXX XXXX refused to pay it. I then requested he exchange it for another vehicle as he said he would do. When I went down there, 100 miles round trip, he showed me only one and then said it would require {$1500.00} more down and the payments would increase. As I live on a limited income I could not do this. I called Consumer Finance who it was financed through and they were less sympathetic than the seller. I shortly after found many complaints from others who had been taken by this auto dealer using this same finance company. 

A man from consumer finance called me, was VERY rude, threatened me with suing me. I informed him that I was the one who was being ripped off. So, it went on my credit making it worse than before and that was the reason that I did not pay the whole amount which I could have done. 

I acted in an honest, diligent, responsible manner which I can not say about the seller or finance company. This should come off my credit report with all bureaus as NOONE should be expected to pay for something so severely misrepresented!
Product: Prepaid card

My wife went to XXXX and attempted to make a purchase, it was declined. She attempted the same purchase again, it was declined also. However, when I looked at the statement, both purchases were taken out of my account. I contacted Bluebird by American Express, my prepaid card company. They started a dispute, and after about two weeks with no update, I called again. I was told they have no update and that I could not speak with the dispute team because they are a BACK office and have no phone number. I went to the store and found that neither of the transactions were in their system, with the transactions being declined, that is normal. I have been waiting for 6 weeks and I still do not have any update or my money back. Any help in this matter will be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXccount # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX  Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

Dear XXXX XXXX, per my previous complaints, your response is totaling missing the point. 
I DID NOT REQUEST PAPERLESS - this was initiated by your bank, NOT ME. 
The bank continued to withdrawal money fees out of my checking account without notifying me. 
You may be trying to justify the bank 's process, which is totally false. 
and in error of your bank 's technology. Just because my balance was below your ciriteria, ... Why was I not notified of this,? 
YOU SHOULD HAVE NOTIFIED ME!!!! 
ONCe The bank drained all my money for your bank fees, only then, you promptly sent me a letter telling me there was no more money in the checking, due to the bank 's fees withdrawal, but you made NO EFFORT, NONE, at the time you were taking money out of my account .... 
I resent your feedback. You have totally missed the point of my complaint. 
I have made efforts to contact you, only to leave message. You have not made any effort to return my calls. You should take the time read the 5th-3rd 's Reviews ....
Product: Credit reporting or other personal consumer reports

My account with Banco Popular en Puerto Rico was locked due to suspicious transactions using the internet to acquire goods over {$700.00} dollars. 

The bank never contacted me again and allegedly had no more information to provide concerning the unauthorized transaction. 

Also, the are allowing other transactions from XXXX XXXX not authorized by me, even if it is directly through the bank or any of the XXXX XXXX or physical stores. 

Financial transactions and statements are not clear and/or explain the transaction details or precedence of the transactions or payments authorized.
Product: Debt collection

Payday loan company DBA as XXXX and collecting as " PLAZA SERVICES '' inflated original debt of ~ {$400.00} to over nine hundred, and re-aged account at least once to XX/XX/XXXX.  Account has XXXX of XX/XX/XXXX. May be fraudulently verifying inaccurate account details to XXXX, et al.
Product: Mortgage

XXXX 2017 Recently my mortgage was transferred from XXXX XXXX to Specialized Loan Servicing ( SLS ). At the same time I have been refinancing my house with another lender. The following things have happened over the last month as my new lender has tried to payoff SLS : -No information available about loan details when I initially called to talk about details, escrow, etc. Data from XXXX XXXX loan had not been updated in SLS system yet. 
-Personal account info is not available online due to their online system having " being down ''. I continue to not be able to get details on my loan unless I call. 
-SLS claims to have paid my property taxes from my escrow, but payment has not been received by my county. 
-Due to non-payment of property tax, my county has  assessed me a penalty. I should n't be responsible for this. 
-My new lender sent in the payoff amount SLS gave them, but SLS claims the amount was less than the payoff. 
-SLS eventually dispersed a property tax payment, but for some reason made a DOUBLE payment out of my loan balance, which is the reason they are claiming my lender is short on the payoff amount. The amount short on payoff is exactly the same amount of my property taxes. My property tax payment is XXXX. But they paid XXXX. 

It seems that there is no accountability by SLS to me as a consumer. I had to argue with customer service telling them that they keep changing the payoff amount from the original quote. The lady told me that I had to pay the largest amount. I kept asking her why the payoff keeps getting higher. She could n't tell me until she looked closer at my account and discovered that SLS had accidentally made a DOUBLE property tax payment. 

I am absolutely upset with this company. My hands are tied because I ca n't access my online account to look at any details. They are keeping me in the dark! They keep increasing my payoff amount to my new lender, because they accidentally made a double payment. This is preventing my lender from paying off the account. I am being held XXXX!!
Product: Credit reporting, credit repair services, or other personal consumer reports

We have asked Experian to remove the following accounts XXXX XXXX XXXX that have wrong information, and have not, while XXXX, and XXXX have removed then they are unwillingly claiming the information, in general, is correct without specifying them. XXXX XXXX accounts are in error, as well as XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX and XXXX original lenders are repeated in XXXX credit that has incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank account # XXXX has been disputed previously with the bureaus due to fraudulent account. XXXX has removed account however Experian and XXXX have not. This is hurting my credit rating. I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain toquestion specific records in my document coming about because of the wrongdoing. The account 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, blockthe noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,  2017 ,  XXXX  requested a copy of my Credit Report without my permission. I wrote a certified letter to  XXXX  but they did not reply. I disputed the request with EQUIFAX but no changes made to my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX ( Installment ) Accounts - Summary XXXX XXXX XXXX Last Updated XXXX, XXXX Payment Status Unpaid balance reported as a loss by credit grantor Worst Delinquency Charge Off/Other Derog Balance {$4700.00} Credit Limit 15usci1681i i have no knowledge of this account, if this was charged off it can no still be reporting. you must remove or submit a 1099G because you can not collect on a charged of account that you summitted to the IRS please remove and suppress. please update credit report