23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint 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 an alleged fraud or extortion. DEPT OF ED/XXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF ED/XXXX  XXXX , DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF ED/XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX , XXXX  - XXXX  XXXX  XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX. Please delete these accounts ASAP.
Product: Checking or savings account

Bank of America still has not responded to my plight, all required time has been given to release my funds. While my account has had multiple close and freeze dates Bank of America has violated my consumer rights. Freezing and locking and closing my account for 3 months now not allowing me to withdraw anything. Yet BOA still pay and except fees from the account. Thus this act trumps any fraud activity. Same process operations for recent lawsuit against B.O.A. Taking money from consumers at will still no policy changes so still same illegal, unethical maneuvers stemming from an outdated unscrupulous fraud department. I request compensation asap I have suffered hardship unimaginable.
Product: Credit card

Good Morning My name is XXXX XXXX and I have a complaint aganist a company by the name of Client Services. They have XXXX XXXX XXXX XXXX credit cards that I am paying on .The reference number on XXXX them is XXXX that has a balance of {$16000.00} and the other XXXX the reference number is XXXX that has {$11000.00}. I have been paying {$5.00} on each of them every two weeks. This week on XXXX/XXXX/2016 they called me and asked for payment, acting like I had not been paying which I have been as you will see in the information I will post here. They even called me at work which I was under the assumption that they were not suppose to. What my complaint is that I would like for them not to call me .I can understand that if I am not paying that yes to call but if I am out of good faith I am trying to get my balance down and pay what I can .I would really like your help in this matter .Thanks XXXX XXXX
Product: Debt collection

I wrote to XXXX XXXX XXXX requesting verfication 2 times over a 90 day time span and did not receive a response to my request to verify debt. I reserached the company and it appears they are not licensed nor bonded to collect in the state of Texas. Last month i sent another letter letting them know of my findings and I still have not heard anything back. I have also phoned numberous times XXXX and the number is not a working number.
Product: Checking or savings account

I opened up a chime account so i could have my pay direct deposited to this account. I havent received a card and i needed access to the money deposited to my account. So i XXXX how to talk to a chime representative and called. The number i called was supposed to be a chime representative to help me get access to my money without having my card yet. That number was XXXX. I talked to a guy named XXXX XXXX and he was walking me through the process. We got to where i thought we were almost finished and got cut off. I tried to call back and the person that answered asked me what happened and then he hung up on me. I called again and the same thing happened. So i immediately checked my chime app and my money has been taken out of my account. I found a number to the real chime customer service and talked to them and told them what happened. They then filed a dispute and said not to worry that it would be taken care of. I provided them with all the documentation that i had with the fraudulent representative. I got an email about two hours later and it said that they had denied my claim and that nothing had happened. I resubmitted a recital and it too was denied. So i was out {$290.00} because of this. Well before this all happened i had transferred {$100.00} to my husband. I got an email yesterday that said that the money sent to my husband was sent back to me and was in my chime account. Then i received an email from chime saying they were closing my account and that i didnt have access to the money in the account. I dont know what to do but i have documentation for all this. Please help
Product: Bank account or service

I have been a customer of wells Fargo for over 5 years. I noticed that as soon as i decided to have my check direct deposited I was being charged fees that was unwarranted. I believe wells Fargo deliberately sequenced my checking account to reflect me not having enough in my account to cover minor transactions so they could charge me overdraft fees. Now they said my account was not eligible for overdraft service so why am i subject to those fraudulent fees.
Product: Credit reporting or other personal consumer reports

This XXXX account associated with account number ID # XXXX XXXX .... was and is paid off completely as per the letter I received from the customer success team at the creditor furnisher in question. Its paid off and should be removed from my report, its verified through this letter. I am writing to formally request the removal of an account from my credit report. The account in question, listed under, Account ID # XXXX, has been paid off in full and is no longer active. I kindly request that you update my credit report accordingly to reflect this change. 
Account Details : Creditor : XXXX XXXX  Account Number :, Account ID # XXXX Date of Last Activity : XXXX XXXX Balance : {$0.00} I have attached proof of the account 's full payment, which can be found in the attached documents. Additionally, I have included a copy of the confirmation letter from the creditor acknowledging the account 's paid-off status. 
As per the Fair Credit Reporting Act ( FCRA ), I understand that the credit reporting agencies must maintain accurate and up-to-date information on consumers ' credit reports. Since this account has been paid in full and is no longer active, it should no longer be reported on my credit report. It is essential for my financial well-being that my credit report accurately reflects my current credit status. 
I kindly request that you investigate and verify the information provided, and once verified, remove the account from my credit report as soon as possible. I also request that you provide me with a copy of the revised credit report once this update has been made. 
I appreciate your prompt attention to this matter and your assistance in ensuring the accuracy of my credit report. If you require any further information or documentation, please do not hesitate to contact me at [ Your Phone Number ] or via email at XXXX Thank you for your cooperation and assistance in this matter. I look forward to a swift resolution of this request and the removal of the aforementioned account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/23 I have been having problems with my XXXXXXXX XXXX a person has tried and successfully changed my account info including email phone numbers and address To the following XXXX XXXX XXXX XXXX NC XXXX Phone XXXX Today I received an email from XXXX XXXX  stating I have new address on my credit report This info is not mine I have had to close cards and order new one please help
Product: Mortgage

Hello, my name is XXXX XXXX. I have a situation that I can not do by myself anymore and I need help. I have been trying to receive a loan modification for a very long time now from XXXX XXXX XXXX and they have denied me multiple times. And recently XXXX XXXX XXXX transferred my loan to Seterus. I told Seterus I want to apply for a loan modification. They have told me to pay {$2000.00} for a Trial Period Payment of XXXX payments. I told them I can not afford that and I asked them to apply me for a loan modification. Seterus sent me an application for a loan modification. I have filled it out and faxed the full packet to them. After 3 months they then have told me that I do not meet the qualifications for the Seterus loan modification and the representative told me to apply for the Keep Your Home California program. So I did. But the Keep Your Home California program has denied me because I 'm not eligible for this program. 
At this point I applied for the Making Home Affordable Program and faxed over a full packet to Seterus. After some time I get a letter in the mail that I do not qualify for this program either. 

I recently faxed over the Making Home Affordable full packet to Seterus again in hopes for an appeal for a loan modification. How can I not be approved for " ANY '' modification? Even the government XXXX. I feel I and my family are in a very tight spot with Seterus and we do not know what else to do. I can make monthly payments for this loan of around {$1100.00} for the loan, insurance and taxes. That is an amount I can afford. Please help me to get a loan modification.
Product: Mortgage

Green Tree Servicing has force-placed insurance after receiving proof of insurance from both the insurance agent and borrower. Multiple calls, faxes and emails have not resolved this issue and they continue to charge their own insurance premium. Multiple voice mails for supervisors have not been returned.
Product: Credit reporting or other personal consumer reports

I noticed multiple unauthorized hard inquiries from my report. I reached out to Experian, who advised me to contact each of the companies responsible for pulling my credit report. I called back to Experian to inform them that the companies are not responding to me and they continue to inform me to reach out to the credit bureau, which is Experian! Experian informed me to go file a police report! No. Experian can do their job and obtain the document that contains my signature that I authorized these inquiries, which i didn't! I have spent hours writing these companies, calling Experian, disputing with Experian and unfortunately the same response Inquiries are a factual matter. Which is NOT TRUE! Therefore, I am requesting a thorough investigation into this matter to verify the validity of the hard inquiry. Additionally, I ask for documentation or evidence demonstrating my authorization for these inquiries. Please provide a written response detailing the results of your investigation and any supporting documentation within the timeframe outlined by the Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

I transferred approximately XXXX LTC from XXXX ( Coinbase 's exchange ) after a somewhat glitchy " submit '' button was presented on screen, noting that I 've made too many transactions within the hour, despite only making one other withdrawal. My account is verified as well, so this was odd. Eventually after trying 3 or 4 times, the transfer said " submitted ''. This was XX/XX/XXXX. Around 13 days later ( XX/XX/XXXX ), I have still yet to receive the XXXX LTC from my XXXX account to my Binance account. On the Coinbase site, if you send any crypto from XXXX to another place, say a wallet or another exchange, there are two transaction notifications. One says " Transferred X '' and the other says " Sent X '', where X is the cryptocurrency. On this transaction, unlike the others, it just has " Transferred X ''. The certificate on the site was valid, and I always read aloud and double check the addresses to make sure they are correct. All this causes me to believe that Coinbase still contains my LTC ( worth ~ {$50.00} ). I 've sent support tickets and called, but no response has been made and I would like my money back. I am Case # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX
Product: Checking or savings account

I never had an account with navy federal an account was fraudulently opened with my information and its been almost a year nobody has got ta back with me. The debt on the account before it closed was said to be {$2500.00} from a place I never been to before. I am not able to pay for the overdraft because I had no knowledge of the account. I am not sure if the date. But I called for them to open an investigation in XX/XX/year> nobody has yet to reach out or send a letter. I also did a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC, 1681-B A Intends to use information as Trans Union violated my consumer protection rights FCRA When these account are on my credit report and they aren't my accounts XXXX XXXX Date opened XX/XX/XXXX date closed XX/XX/XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX date closed XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm doing a follow-up the an earlier complaint account numbers : XXXX XXXX Under the Fair Debt Collection Practices Act, you are required to respond to my request for validation within 30 days of receipt of my communication. However, it has been more than 30 days, and I have yet to receive a response. Under both State and Federal consumer law I have the right to get have my debt validated, and you are obligated respond within the statutory time limit. 

Failure to respond to my requests for validation is a violation of the Fair Credit Reporting Act and may result in an investigation of your company by the Federal Trade Commission.

Any attempt to collect on this debt without properly validating would be in violation of the FDCPA and State consumer protection laws. Should you continue to attempt to collect this debt without validation, I have the right to sue you in small claims court and subject you to a fine of {$1000.00} per violation, as well as my attorney fees and court costs as damages. 

In addition, I would like to remind you that you are legally obligated not to report a debt that has not been properly validated to any of the credit bureaus. I understand we had communication through the cfpb system but I have never received a validation letter and still you sit on my credit report. I will not hesitate to report these violations my State 's Attorney General, the Federal Trade Commission, and file a complaint with the Better Business Bureau.
Product: Student loan

On XXXX XXXX, 2017 I gave XXXX and this was unable to work at the time until I resumed work two months later. I had spoke to sallie Mae informing them on the matter that I am on XXXX leave and unable to make payments at the time. They stated not to worry and that I will be placed on a deferment. I never received any emails or phone calls until about the second week of XX/XX/XXXX constantly giving me phone calls and I didnt get paid my first paycheck until XX/XX/XXXX. I then spoke with sallie Mae again saying I can enroll back in auto debit and then I made a payment and XXXX from sallie Mae told me my account was current and that if I make a payment it wont be reported to XXXX or affect my credit score. I received an email saying it did and I am very flustered because Ive been working very hard to improve my credit score as you can see all my accounts are in good standing. I would like to purchase a home in the near future so please help me in removing this error. I am currently working full time and am ready to make payments again. Just because I had a XXXX  doesnt mean I should get punished.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Bankruptcy being reported on my credit report by Trans Union and XXXX that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry and an account from Wells Fargo on my credit reports. I never applied for anything with Wells Fargo. I reached out several times to get the account removed and the inquiry removed. All they did was keep placing me on hold, transferring me back and forth to different departments and different representatives, and also hung up the phone on me several times. I AM FILING THIS COMPLAINT AND WILL CONTINUE TO CALL UNTIL THIS IS RESOLVED
Product: Credit card

On XX/XX/XXXX my wife and I were traveling in Western Virginia on XXXX when I received a text from Capital One regarding fraud on my Capital One Visa card. I pulled into a rest stop and called Capital One and discussed this issue with a customer service representative who indicated that the fraudulent charges were made outside of the U.S. I confirmed to him that the charges I was being notified about were fraudulent. The customer service representative indicated they would be contacting me for additional information. There was one fraudulent charge on XX/XX/XXXX made in Great Britain and two fraudulent charges on XX/XX/XXXX, made in Amsterdam. One or two days later Capital One contacted me and wanted a copy of a current bill showing my name and address and a copy of my driver 's license. Over the next several weeks I sent Capital One three separate scanned copies of bills from three different companies before they were finally satisfied that they really were talking to the real XXXX XXXX. Then, they finally agreed to start their fraud investigation. 
I continued to call Capital One every three or four days to get an update on the fraud investigation but was provided very, little information. Earlier this week I received three letters from Capital One indicating that one fraud claim was resolved but they would not close the other two fraudulent charges. I also received my monthly bill which showed the two fraudulent charges were still pending. 
On XX/XX/XXXX I called the Capital One Fraud Office and spoke with " XXXX '' and her supervisor " XXXX. '' XXXX indicated that the pending fraudulent charges were made from XXXX XXXX by a phone with a unique ID. She stated that since the charges were somehow tied to my XXXX that I was still responsible for these charges.
Product: Credit reporting

I was on my Grandmother 's account an an authorized user and she fell ill and fell behind and asked that I be removed! They are refusing to remove it from my credit report and now have the account in a Terminated Status! Please see below! I do not even have the card and I am not the primary person! I have disputed it with XXXX XXXX and they removed me but the credit bureau is still showing it in error! 
Account Name Account Type Open Date Status Balance XXXX XXXX Credit Card XXXX XXXX, XXXX Open - XXXX Days Late XXXX Missed Payments {$0.00} 0 % of Credit Limit* Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX XXXX Account Type Credit Card Account Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment {$0.00} Responsibility Terminated Balance {$0.00} Highest Balance {$420.00} Payment Status XXXX Days Late Worst Payment Status XXXX Days Late Date of Last Payment XXXX Amount Past Due $ 0 Times XXXX Days Late XXXX Remarks Dispute resolved ; reported by grantor Payment History Latest Status : XXXX Days Late XXXX OK OK OK OK OK XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK J F M A M J J A XXXX O XXXX D XXXX XXXX Days Late Credit Utilization* 0.00 % Creditor Contact Details XXXX XXXX BANK USA NA XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry XXXX XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Getting my free annual credit reports from XXXX and XXXX was simple and very expedient. Not so with Equifax. Equifax, both online and by telephone, blocks me from obtaining my free annual credit report. Instead, they offer a PAID option to obtain my FREE credit report. This has the appearance of illegal bait and switch. Please investigate and let me know what you find. Thank you.
Product: Debt collection

I never got written notification in the mail about disputing the debt. I have asked them to stop calling, texting and emailing yet they continue to do so. 

All communication should be through XXXX and legal but they continued to violate that. 

XXXX.
Product: Debt collection

I have an account with XXXX XXXX since XXXX and my account # is XXXX. I have multiple cars in that account which included the car violation notice received. I 've received many Collection Notices from the XXXX XXXX XXXX, XXXX stated that I owed them {$1500.00} for toll violation with the car XXXX. This car was in my XXXX account since XXXX XXXX. Every single cross to bridge, the toll deducted from my XXXX account but their system still creating the violation notices. I spoke with XXXX Customer Services and they told me to contact the XXXX XXXX XXXX, XXXX. I wrote letter to them ( please see attached ) along with XXXX account and violation notices. I believed the violation notices was in error but they are not willing to clear my account. Because of those violation fees, my XXXX account have a negative balance.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023 I opened a line of credit with Net Credit. My first initial cash advance was for {$2500.00}. Only {$2200.00} of that was deposited as of XX/XX/2023. This represents a 10 % margin on the loan. The unfair aspect of this is that the {$250.00} fee is also added to your cash advance and charged interest. 
The disclosures for the total APR were not provided in a transparent or standard way consistent with the CARD Act or similar legislation. The company uses fairly complicated and possibly deceptive disclosures to hide how high the APR is for this product. Additionally, it appears finance charges are charged for cash advance fees. IE, they bill you not only for the fee, but interest on the fees itself. The disclosures are opaque and do not seem to provide a transparent understanding of the fee structure. Had I had known the APR would be so astronomically high, I would have never borrowed from these folks. Even competitors like XXXX offer similar products for substantially lower APRs. 
Moreover, they use 2 billing cycles in the same month to repay this loan. For one half month period, at a cash advance balance of {$3900.00} ( which includes fees they charged ), they charge {$200.00}. For one month, that's {$400.00}, close to 10 %. That would be an effective APR of 120 %. This is never disclosed clearly in their disclosures. Had I understood this earlier, I would have never borrowed from this company. These seem like violations of UDAAP.