23daVinci/CFPB_Complaints huggingface dataset:
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 OF XXXX ( XXXX CREDITOR - DIRECT LOANS ) : 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 ( ORIGINAL CREDITOR - XXXXL XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CREDITOR - XXXX XXXX ) : XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR - XXXX XXXX XXXX IN CO ) : XXXX, XXXX XXXX : XXXX, XXXX XXXX. OF XXXX : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Company in violation of this Law IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic information, pursuant to, The Privacy Act of 1974 is a federal law that protects individuals from the misuse of their personal information by the federal government. The act 's main goals are to balance the government 's need for information with the rights of individuals to privacy. 
The Privacy Act of 1974 : Protects individuals : The act protects individuals from the collection, use, maintenance, and disclosure of their personal information. 
Requires notice : Agencies must notify the public of their record systems. 
Requires consent : Agencies can not disclose an individual 's record without their written consent. 
Provides access : Individuals can request access to and changes to their records. 
Establishes record-keeping requirements : The act sets forth requirements for how agencies keep records.
Product: Checking or savings account

What been I happening is I been waiting for closure check from chime for the past 8 month and they have yet to sent it so there been a couple issue when I file a dispute from XXXX they closed my closed my account I did first ask why they closed it over the phone and they couldnt give me a answer so then I ask if they could possibly reopen it because I had {$100.00} and I a didnt know they was closing my account if I knew I would took that money out of my account but the dispute amount {$1400.00} and they finished the dispute on XX/XX/XXXX but I still have not got it but I have proof of all the email and I told them the address was on file I dont live there so I believe they kept resending the check to my new address and the 3 month I provided new document proof of new address and they never got it until XX/XX/XXXX so they email me the amount they was sending and said it will be XXXX business day and I figure I would get the money by XXXX but no still dont have it and then all of sudden they telling me they sent it on XXXX to the new address and that a lie because they updated and confirm to me they have the address on file on XX/XX/XXXX and then there time they said no money is owe to me at this time then I have other response I get my check XXXX business expedite shipping but get not got it and they know it was part of my college money I really needed at the time around XXXX before my spring semester was over and I was in financial hold and I was also need to buy me a computer for this semester for school and I never experience a bank like that and then I also ask them if someone possibly cash that check since they sent it at the old address and if it was there need to be investigated but couldnt even tell me answer and I also called chime over the phone but they cant even help me and also supervisor and with supervisor are supposed to fix certain situation but how they do it they contact chime support and they would have to sent me email and I ask for tracking number and never give it to me through email and also over the phone and It been stressful
Product: Money transfer, virtual currency, or money service

I was scammed out of {$90000.00}. This happened between the period of XX/XX/XXXX - XX/XX/2022. I paid for a product ( two trucks ) and did not receive the product. The fraud department at my bank ( Wells Fargo ) is refusing to reimburse me my money that I was scammed out of after several attempts at providing them with the proof ( receipts, emails, text msgs, the arrest document, recorded phone calls etc ) and information that they needed to resolve this issue.
Product: Credit card or prepaid card

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EXPERIAN and the account name is XXXX  balance {$0.00} account # XXXX 30 days late in XX/XX/2021, and XXXX 2021.
Product: Mortgage

My name is XXXX and I recently have acquired a VA mortgage loan through Navy Federal credit union. I have tried to add an additional principal payment in Navy Federal. Credit Union is telling me that I only have an eight day window to make an additional principal payment. I can only make that payment six days after my monthly mortgage goes through. I have tried to make a principal payment this morning in the system automatically was trying to deduct an extra mortgage payment out of my principal payment. I only want to make a principal payment, not a mortgage payment on the last week of the month Navy Federal tells me that I can not make that principal payment on the last week of the month. I have to do it on the first week of every month.
Product: Debt collection

On XX/XX/2021 a company by the Name of XXXX XXXX XXXX XXXX A third XXXX XXXX XXXX XXXX whom Ive Never Contracted with ) contacted Me about a alleged Debt using False and Misleading Representations ; according to title XXXX XXXX XXXX. 

Also violating My Consumer rights according to XXXX XXXX XXXX stating I owe a Debt in the Amount of {$260.00} From a Company called Cornerstone who has not validated the Debt but claims to be the Creditor, which again is False and Misleading I have given notices to this company and told them to stop Contacting Me Via Telephone because I have not giving them any consent or permission to contact me. 

The alleged Debt lacks validation, or a affidavit of XXXX or XXXX XXXX.
Product: Debt collection

I received a response back from NCB management today XX/XX/2021 stating they had mailed verification documents to my current address on XX/XX/2021. I also called NCB and spoke to a supervisor, XXXX, who verified the address they had on file as well. It has been 13 days. The supervisor stated its regular mail but it doesnt take 13 days to receive mail. I believe this company is not able to verify debt or proper resell documents. If you are, please send certified mail.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX XXXX XXXXXXXX # XXXX XX/XX/2018 -- {$0.00}
Product: Consumer Loan

I financed a car with Ford Motor Credit, bought XXXX insurance and had a Debt Cancellation Waiver, I lost my employment ( single parent, XXXX income family of XXXX ) and could no longer afford a $ XXXX monthly payment. Called for help with payment reduction or a re-fi or a temporary payment reduction with an monthly amount i could pay, they declined that amount but offered something that was still above my means without employment but was less than original so I accepted. With the lowered payments and extended term they removed the XXXX insurance and the amount to be re-paid for the {$31000.00} vehicle purchased in XXXX 2011 went from over $ XXXX to almost {$70000.00}. After XXXX years of paying for car I was once again unemployed due to health issues of my own and my son who suffered a life altering accident in 2011 and has XXXX. Ford was no longer willing to work with me, after i had paid in over {$62000.00} on the loan that had a 8.9 % interest rate ( began at 8 % but 4 weeks after taking delivery of car I was called and said Ford just underwrote the loan and my father, co-signer, and I had to resign paperwork which took the interest rate up, and the note went from $ 620 monthly to over $ 711 monthly ) I voluntarily surrendered the car. The car could n't be sold because after paying over {$62000.00} I still owed over {$24000.00} and the highest resale value was {$14000.00}. I cleaned out the car and left keys in it for recovery company to pick up, I have never had a car repossessed. After Ford sold the car for {$9900.00} they sent my dad and me a bill for over {$14000.00} for the difference. I worked out a payment plan with Ford but missed one month 's payment and rather than call me they turned over to atty who is now seeking {$17000.00} and is suing me and my XXXX father and will get a judgement to garnish XXXX our wages, put leins on my dad 's assets and anything else they can attach in the judgement.
Product: Money transfer, virtual currency, or money service

This morning XX/XX/2022 I woke up and checked my bank statement and saw that XXXX dollars was taken out and used on Venmo ( I have Venmo but didnt send anyone XXXX dollars ) so Im pretty sure my card got hacked
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2022, Ive been trying to get the inaccuracy and incorrect information corrected on my credit report. Ive filed dispute after dispute. Reinvestigation after investigation showing them the incorrect and inaccurate items on my report. The results I get each month have been a updated report with even more inaccuracies and more incorrect items and some accounts not even looked at. It is now XX/XX/2022 and Ive sent another letter full of disputes, about the same accounts, same inaccuracies and same incorrect items. 

In accordance with the Fair Credit Reporting act These accounts continue to violate my rights even after 3 months of disputing. 
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. Code 1681i ( a ) ( 5 ) ( a ) ( I ) ( A ) .Reinvestigations of disputed information ( XXXX ) A. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate items gives a reason to immediately remove those items from my credit report, so they should be deleted promply. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. 

Ive sent all 3 credit reporting agencies another set of disputes pertaining to the same errors and incorrect information that they keep allowing to be put on my credit report. The disputes I sent have copies of my credit report, Ive circled each error, and all incorrect information. I attached the letter that I sent. I now will be going to the XX/XX/XXXX to file a complaint as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information of payments being late were in 2012 and it is being report as more current than this. The amount of derogatory information is causing me many problems on my credit report. I am wanting this to be removed due to the age.
Product: Money transfer, virtual currency, or money service

Kraken has held my crypto currency assets on the account for months and despite over 100 emails and reddit messages, has claimed they are working on a resolution for months. 

No matter how many times I reach out, they say the same thing and my crypto currency assets are still stuck on their platform, unable to be withdrawn.
Product: Money transfer, virtual currency, or money service

Crypto.Com has made it extremely difficult for me to withdraw my money over {$2000.00} for 2nd time. First time they made the information available to withdraw but it took so long I decided just keep the money there and reinvest after six months since I had financial hardship to pay my mortgage was anxious to withdraw. They never ask for F2A code to deposit money but now to withdraw the make it a requirement I been using their services for last 5 years but now they asked me to sign up again and use a new password word to reset my F2A code the catch is I cant have access to my funds for 24 hours. Now is 48 hours still not ready and is now 4 days since after I sold my coins and even then I attempted to sell half of my coins they sold it all I am really in desperate need of money and I am being played with since XXXX XXXX i been waiting on their help support still no response this is causing me XXXX and it seems they dont understand even after I reminded them how much this money Means to me
Product: Payday loan, title loan, personal loan, or advance loan

I received a letter informing me that Effective XX/XX/XXXX XXXX XXXX sold my Account Balance ( Overdraft Protection line of credit ) to Jefferson Capital Systems , LLC. 
This letter instructed me to login to web portal ( XXXX ) to make payment. Balance of {$3600.00} on statement dated XX/XX/XXXX. Balance of {$880.00} on statement dated XX/XX/XXXX - Payment Due Date XX/XX/XXXX. I logged in XX/XX/XXXX and scheduled payment XX/XX/XXXX in amount of {$880.00}. This payment appears on my bank statement XX/XX/XXXX. I received statement with amount {$19.00} due XX/XX/XXXX. I called company and requested fee be removed from account. They declined to do so. I did not ask for explanation because in my opinion there is no reasonable explanation.
Product: Checking or savings account

Hi There, I was trying to make purchase online on XXXX as usual and then Citibank fraud dept. blocked my card and put account under review for unknown reason even though I was on call with then just to make sure the payments go through successfully. The first payment of XXXX went through and then remaining another XXXX was completely blocked by the Citibank. I was trying to take an advantage of 50 % discount and over by XXXX XXXX  PST XX/XX/XXXX, this negligence by Citibank had cost me about $ 20k for not being able to make a purchase. I was told the daily spending limit is XXXX and still was only able use XXXX out that. Thanks
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX XXXX - XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Around the 2nd week of XX/XX/2024, I inquired online about a loan with Fundera by NerdWallet. A representative by the name of XXXX XXXX responded. We spoke about possible options of funding for my particular needs. After several conversations and supplying confidential financial documents, I decided that Fundera was not the right company for me. I also communicated with Representative XXXX XXXX that his options were not acceptable ( XX/XX/2024 ). At this point, I ceased communication with Fundera. 

The following week on XX/XX/2024, I received a email and call from XXXX XXXX at XXXX XXXX XXXX and another company stating that XXXX XXXX has passed along all my confidential information to other financial companies without my permission. One of the reasons that I ceased communication with XXXX is because his presentations seem more like a scam. I do not want him passing my information on to other contacts that may have the same type of questionable conduct. It appears that my instinct was correct with XXXX at Fundera and now I am concerned about who is holding my confidential information that was not authorized for XXXX to pass along.
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter of utmost urgency and concern regarding fraudulent accounts on my credit report. The impact on my creditworthiness has been severe, and I am seeking your immediate assistance in resolving this issue XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized credit inquiries are on my report. Requesting their removal to correct my credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 a dealership in XXXX regarding a vehicle inquiry and the salesperson promised that they won't run my credit but within a few minutes I noticed that they made more than 10 inquiries on my credit with my consent I contacted the dealership and the financial institutions many times but they are not cooperating. So I would appreciate if you helped in removing these inquiries from my credit. 

Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

The XXXX XXXX Account number is listed on Equifax and XXXXXXXX XXXX XXXX XXXXXXXX and XXXX is listing the account number as # XXXX. WHEN INFORMATION IS BEING REPORTED INACCURATELY, YOU ARE SUPPISE TO DELETE IT. I THOUGHT YOU WERE SUPPOSE TO HELP THE CONSUMER? XXXX DELETED THE ACCOUNT AS THEY SHOULD. DO I NEED AN ATTORNEY?
Product: Debt collection

XXXX XXXX XXXX XXXX collected monthly payments over a period of 4 years that were never applied to my account. I have held money order receipts for each transaction and forwarded these to a Navient supervisor by the name of " XXXX '' who I spoke to in XX/XX/2016. All of these correspondences were preserved within my Navient files. However, my account was continued to be listed in default even though Navient deposited each and every monthly payment. As such, my yearly income tax was withheld and I was labeled an 'unresponsive ' account holder by Federal Student Aid. After reading about the CFPB suit I spoke to XXXX # XXXX today at Navient who told me that my account records no longer exist and have been moved to XXXX XXXX XXXX. I would like to add my grievance to this national lawsuit https : //www.consumerfinance.gov/XXXX
Product: Checking or savings account

I went to a PNC bank branch to close my mother 's checking account XX/XX/XXXX. ( Her bank was taken over by PNC bank 7 months after her death in XXXX. ) I was told by bank employees they could not close the bank in XXXX day and I would need to return the following day. She said they could issue me the remaining cash only ( {$56.00} ) out of the checking account so it could be closed. I took the cash and went home. 

Not wanting to return the next day ( XXXX mile round trip ) I logged into the PNC account and got their XXXX number, and talked to a PNC bank representative that closed the account over the phone ( read the necessary legal info in a recorded format ). She said the account was officially closed at that point and I would receive a letter to that effect. I did receive one about 10 days later. 

Today I received a big PNC envelope stating I had requested a new account and they provided the monthly FEE schedule. I DID NOT REQUEST THIS info and called them on their customer support line to complain. They said to ignore the letter package. But I suspect they are about to start charging me {$25.00} PER MONTH for not having sufficient funds to maintain the account. 

I tried to close this account in person and online and now they are documenting a new account authorized by me and that is a lie! This is not the first time I have noted PNC attempts to grab money from this account. This is the most unscrupulous bank I have ever had contact with. 

All my sisters and I want to do is close my mother 's account and get on with our lives. 

Can something be done to document these attempts to close an empty account?
Product: Money transfer, virtual currency, or money service

On XX/XX/23 I made an online order from XXXX XXXX in the amount of {$220.00}. On XX/XX/23, having learned that XXXX XXXX would not honor the contract entered into when they approved the order and accepted payment, I notified Block, Inc d/b/a CashApp of the issue and that XXXX XXXX had not issued a refund. On XX/XX/23 I received email confirmation of the dispute. As of XX/XX/23 Block, Inc d/b/a CashApp has failed to resolve the dispute, comply with their policy regarding providing a provisional credit when the dispute is not resolved within 10 business days, nor complied with Reg E. When I have contacted Block, Inc support staff I have repeatedly been told that Reg E and company policy only required the provisional credit if the investigation is not began within 10 business days. When I advise them that this is incorrect interpretation of Reg E and that they are not compling with their own policy, the agent either disconnects the chat or the call. I have advised Block, Inc via email that they are in non-conpliance but they have refused to respond.
Product: Debt collection

A collector from a collection agency contacted our office today. This was during a time I was yet in the office ( I am the XXXX XXXX ) so he instead spoke with our receptionist. The following is the receptionists written account of the conversation, " XXXX XXXX said this matter is urgent and was upset that none of his messages or XXXX letters have had a response. He said if this matter is continued to be ignored the legal matter will have to escalate. He then started asking me if we had a lot of attorneys or collection agencies call us. Or if we were filing for bankruptcy. I told him that this was not something I would comment on and I would pass his message along. He was really rude to me and said 'well, be sure you give my message this time. ' He said he would be in his office until XXXX today. " This is completely unethical means of communication. Not only, was this phone call harassment it 's also slanderous for both the owner and the business. XXXX XXXX is not allowed to speak with anyone other than the owner about this matter. He should not disclose information or make slanderous accusation such as, " [ do ] we have a lot of attorneys or collection agencies calling us. Or if we were filing for bankruptcy. '' For XXXX XXXX to have expressed this to the receptionist is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, a hard inquiry was made by Capital One without my permission or properly notifying me.