23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I have an old credit card debt that turned into a judgment. I have been trying to get in touch with someone to get this resolved since XXXX 2015. My account is with XXXX and the only way to contact them is through fax. Finally, I talked with someone on XXXX/XXXX/15 and was offered a reduced rate settlement. I was supposed to get a letter from them, but still have not gotten it. I have even send copies of all faxes, confirmations, etc. to XXXX XXXX ( CEO ) via mail and e-mail to ask for assistance in getting this resolved so that I can purchase a home. No response from him either. After finally talking with the resolution department, they found out that the letter that they were supposed to send to me, was actually sent to an attorney that I do n't even know who it is. So they sent my personal information to someone without my knowledge that told them that they were representing me, who is not. After I finally talked back to resolution, they put in another request for this letter to be sent to my home address. It has now been three weeks and I am no closer to getting this resolved. I have never in my entire life had someone not wanting to take my money for a debt that I do owe.
Product: Money transfer, virtual currency, or money service

had a PayPal business account that I had opened when I had a business. because they couldn't offer me the services my business needed, I didn't use them, I took a loan from a family member, and was using PayPal to pay them back. have been transferring money into the PayPal account and paying the same person out of the account since XXXX of this year this month have have transferred XXXX into the account and was going to make the loan payment to my aunt who lent me money like I have since XXXX, but I could because PayPal, put limitations on my account. I went in to resolve these issues, however instead of resolving these issues, they completely froze the account. trapping my XXXX into the account in case of disputes, charge backs Etc. when there never has been one. they are hold my money for up to 180 day ( 6 Months ) I tried to call customer service, where I sat on hold for over an hour and a half, and was disconnected, when I immediately called back they were closed. 

The only reason I can find as to why is because it violated community guidelines. I dont know how making money transactions on a platform for sending and recieving money is a violation of the guidelines.
Product: Student loan

I have refinanced through navies and they have been very difficult to deal with in regards to payment options and affordability
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXXXXXX XXXX XXXXXXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient is reporting a 90 Day Delinquency in XX/XX/XXXX when the account was covered under the Federal Covid Relief Program established XXXX XXXX. The loan origination was established as a federal loan in XX/XX/XXXX, which covered the account 's payments, interest and collections activities under the Covid Relief Program. Navient has refused to acknowledge the loans origination as a federal loan and instead validated their actions by stating the loan was a private loan, therefore was not covered under the Covid Relief Act which was not true. It has been requested by myself that Navient validate their claim by providing the original loan Promissory Note to support their claim and has failed to comply. 

XX/XX/XXXX is also reporting 90 days by Navient and the account was under a Hardship Deferment as the other two loans 1 and 2, which was also managed by Navient through a acquistion of XXXX XXXX profile loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2400.00} XXXXXXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3200.00} XXXX XXXX XXXX XXXX Balance Owed : {$360.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

A vanilla prepaid card was purchased Tuesday XX/XX/XXXX at XXXX XXXX in XXXX Missouri. This card was paid for and loaded with {$500.00}. In the packaging it is written to give at most XXXX hours for funds to become available. XX/XX/XXXX the first attempt at checking the balance and status of the prepaid card was denied. The website cited that there was a system error. The second time it was said that there was an issue with the card. After returning to the store we sat on the phone with Vanilla customer service for XXXX min with the store manager. It was also unsuccessful as dispite putting In all required information it will still not tell us the issue or balance for that matter. We were directed to hang up or attempt to contact an actual representative. After XXXX minutes on hold there was still no answer. We have still not been able to get in contact both online or over the phone dispite hours of hold music. It has been called to my attention after purchase that this prepaid card brand is often having these issues with many never being able to access their funds and losing all their money in turn.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I established an account with Coinbase and purchased {$1700.00} of ETH ( Etherium ) as an exploratory investment in Cryptocurrency. I established two-factor authentication, with a single-use code sent to my cell phone by text message. After successfully logging in a few times to monitor the investment, I encountered a notice stating that text messages were no longer being sent for authentication and that I had to use an authentication app. I opened an authentication app on my phone, and the app instructed me to open the account in question and take a photo of the QR code to synchronize the app with the account. I advised the Coinbase support staff of the problem, and, after some back-and-forth conversations, no progress had been made. On XX/XX/XXXX, at XXXX XXXX, I advised them to liquidate my account and send the balance to me either in the form of a paper check or by ACH deposit directly to my bank account. Following further back-and-forth emails, at XXXX XXXX Coinbase support advised me to stand by while they worked on finding a solution, and they promised to get back to me with a response through the original email thread. By XX/XX/XXXX, they had not responded ; so, I sent another email at XXXX XXXX in which I directed that the email be elevated to a supervisor. I stated that they had not followed through and that I was ready to take the matter to the S. E. C. They have not responded since the XX/XX/XXXX email. I want my Coinbase account closed, and I want the value of the account forwarded to me immediately. I opened this account as a personal account in my name. The individuals from Coinbase support do not provide their names.
Product: Checking or savings account

I have been banking with fifth third bank for multiple years now ( XXXX ) and I regularly use them for direct deposits in my account. They have taken over XXXX dollars in overdraft fees from my account. I have already explained to them in person at the bank, as well as through live chat and there XXXX number that I can not afford to allow them to take this money from me. Yet they are refusing to refund my money and only want to give me XXXX dollars of it back which is ridiculous. They literally received a direct deposit from me and my account is current. Please assist in getting my money back. I will be closing my account with this institution if my funds can not be provided.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX - XXXX ), Social Security Number : ( XXXX ), Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of ( XXXX ) personal credit card accounts opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX XXXX XXXX opened XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX under the account number ( XXXX ). An auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), Personal loan accounts opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX XXXX  opened XXXX XXXX XXXX XXXX under the account number ( XXXX ) and ( XXXX ) collection accounts opened at XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX balance of ( {$1200.00} ) that appears related to an account opened at XXXX XXXX and XXXX XXXX XXXX opened XXXX XX/XX/XXXX with a balance of ( {$1100.00} ) appears related to XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of ( XXXX ) FTC Identity Theft Criminal Complaint # ( XXXX ) & # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I was not aware of the existence of this account until it showed up on my Transunion report. 
XXXX/Dept. of ED XXXX My student loans are handled through XXXX. The amount shown is twice the amount of what I owe.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I moved {$500.00} dollars from my Navy Federal checking account to a brand new Navy Federal Investment account I had just opened that day. When you move money Navy Federal Investment gives you a receipt that says " Thanks! your transfer is in progress. Once your transfer 's complete, it will appear in your Transaction History. Deposits up to {$5000.00} will post to your account and be available to trade with immediately. Deposit amounts over {$5000.00} will post i n about 3-5 business days. If you made a withdrawal, allow 2-5 business days for it to post to your account. Don't submit additional transfers unless you want them to be processed too. Copy the confirmation number below and save it for your records. '' The problem came on XX/XX/2023 when I moved another {$500.00} and upon reading that receipt I was under the impression that my {$500.00} was moved immediately into my investment account, especially since it was going from my Navy Federal checking account to my Navy Federal Investment account. I moved the remaining money out of Navy Federal and into another financial institution which included that {$500.00} I was under the impression had been instantaneously withdrawn from my checking account to my investment account. I was not sure what was going on when {$500.00} was withdrawn from my investment account. I contacted Navy Federal Investments. Once on the phone with them I was informed that Navy Federal Credit Union and Navy Federal Investments are two separate entities that work off two separate systems, so the Investment will ACH my Checking account and that the investment group is loaning me money until they ACH my checking account. I find the information that Navy Federal Investment gives is very vague in nature and very misleading in the information that they provide. Because Navy Federal Investment provided as little information as possible it has caused myself, and probably more users, to suffer a financial loss. A week after I discovered what happened I finally spoke with a supervisor, XXXX XXXX, who informed me that I was borrowing the money from them to trade immediately on the app, and since they had to take the money back, they sold off the shares that I had bought plus some others shares that was not bought with they money they took back. She told me that I would be hit with a {$20.00} fee at the end of the month and that she would wave this fee. This fee was never mentioned to me at all up to the point. Navy Federal Investments I feel like are taking advantage of vague and misleading information and after bringing this up to the company they have yet to resolve the issue.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 6028 that states I have the right to privacy.

15 U.S.C 1681 section 604 a section 2 ; it also states, consumer reporting agency can not furnish an account without any written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States no consumer reporting agency, might make any consumer reporting containing any of the following items of information of any other adverse item of information, who it that records or convention of crimes, which attendates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A a person shall not furnish any information relating to a consumer to any consumer agency. If the person knows or has reasonable cost to play, that information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX Phone : XXXX Re : Dispute of Account # XXXX ( Previously : XXXXXXXX XXXX XXXX ) To whom it XXXX concern, I am writing to formally dispute the validity of the above-referenced debt based on my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e. This provision prohibits a debt collector from using any false, deceptive, or misleading representation or means in the collection of any debt.

Furthermore, I have concerns regarding potential violations related to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, regarding permissible purposes for furnishing consumer reports.

I also want to underscore that according to guidelines from the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), any deceptive debt collection practices may result in severe penalties. 

Please review this matter and provide evidence that supports the validity of the debt in question. If you can not validate this debt, I expect its removal from my credit report and a written confirmation once it has been done. 

Thank you for your immediate attention to this matter. I anticipate a timely response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( 30-90 days ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit card

In XXXX, I opened a First Progress secured credit card account with a {$200.00} refundable deposit with the intention of building credit. Since I've been a customer, I never made a single transaction, however, I paid {$290.00} in aggregate annual fees over the course of nearly 6 years. 

On XXXX XX/XX/XXXX, I called into First Progress to close the account and was told by their customer service representative that I had to wait ten ( 10 ) weeks in order to get my {$200.00} refundable deposit returned. When the representative told me 10 weeks, I was flabbergasted and said : " you mean, 10 days, right? '' and the agent said " no, 10 weeks. '' I completely understand that there needs to be some holding period before my deposit is returnedhowever, 10 weeks is completely unacceptable.
Product: Credit reporting or other personal consumer reports

Today at XXXX XXXX, we contacted XXXX. We've been waiting for over 2 months. To be able to see our score online so that we may be able to also look at any discrepancies on. Are credit file apple facts will not despite us uploading a lease to them, allow us to see our scores. We were told by the first person of a month ago that we would be able to see our score the following day. When the following day came, we were not able to see our scores. And we did a week to call in again. Since folk two, another representative who told us that we needed to upload proof of registered sea, so we sent over our lease. Weeks later, we continue to have the issue and contacted someone on today. 
They relayed the information and the address. XXXX facts and XXXX will would not unlock our files, so they we could see it.
Product: Checking or savings account

I have a checking account with Wells Fargo. On XX/XX/2022 I received a call from what I thought was Wells Fargo stating I had fraudulent charges. Later realized this was a phishing call and they removed {$1000.00} from my account through an ATM @ a Wells Fargo branch an hour away. I called and filed a claim and also called the local Police Department and started a police report. Wells Fargo deposited the {$1000.00} into my account pending results from the claim. Today, they reversed the {$1000.00} and caused my account to go {$600.00} + negative. I called and they said they couldn't find any fraudulent activity. I requested they look again and was told very bluntly that their deicision wasa made, and if I did file a police report, wait on them to solve it and go to small claims court.
Product: Checking or savings account

I opened a Citi account package includes checking and saving account on XXXX. And the welcome bonus is {$500.00} if you complete one qualifying direct deposit each month for two consecutive months within 60 days of account opening and deposit more than {$15000.00} and keep this amount for at least 60 days. I have successfully met this requirement of this promotion by XX/XX/2020. And I wish to get my bonus crediting my account within 90 days of meeting the requirement. 

However, until today, I haven't received this bonus. And I have contacted the Citi customer service yesterday, they told me it will take another 20 business days to investigate this which is unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XX/XX/XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XX/XX/XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and I am currently in distress and XXXX XXXX XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.