23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. They told me to wait 180 days and its beg pass that. My email linked to my PayPal is " XXXX ''
Product: Credit card

XXXX XXXX XXXX XXXX made an unauthorized charge to my Chase credit card in the amount of {$680.00}. I disputed the charge immediately, in writing, to Chase who has refused to remove the charge and further, has refused and, continues to refuse to conduct a competent investigation into the charges. Relying on form letters and form denials and, refusing to provide COMPLETE copies of documentation it says it received from XXXX XXXX that allegedly support the fraudulent charges. I have since paid the charge including {$40.00} charged by Chase in interest fees. Chase has done nothing but threaten to ruin my credit. XXXX XXXX has done absolutely nothing to assist in the investigation or to provide a competent explanation for the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I uploaded document to Experian showing proof me a d XXXX  made a agreement for a payment on XX/XX/XXXX XX/XX/XXXX n XX/XX/XXXX for the amount of XXXX reaching a XXXX dollar settlement they have updated that I'm in debt repeatedly I have gotten a major drop in my credit score from fails reporting a d unfair accusations on my credit report stolen points just messing my life up I have up loaded early today yesterday and afew weeks ago to XXXX and Experian the update result was false update the correct information and amount
Product: Debt collection

I received a call XXXX XXXX on Tuesday XX/XX/2018 they lady was very rude and wanted information I was not comfortable giving and after I asked 3 times to not call me and only communicate with me through mail or email she said no we will just call back later then and hung up. She also kept saying how are you going to pay and this is the 3rd collection agency for this debt which is not true
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 XXXX XXXX XXXX. 

Account name : XXXX XXXX Account No : XXXX and Account name : XXXX XXXX XXXX XXXX XXXX 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 an 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: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Navy Federal Credit Union regarding deceptive practices and the dissemination of false information during my recent interactions with their customer service representatives. The details of the incident are outlined below : On Friday, XX/XX/2023, I contacted Navy Federal regarding my checking account, which had been charged off for {$510.00}. As I currently only maintain a savings account with them, I deposited a check into my savings account. Although the check eventually cleared and was available in my account, I found myself unable to access any funds or perform transactions. 

During my initial call on XX/XX/XXXX, I was assured by two representatives that settling the charged-off account would enable me to reopen my checking account. Relying on this information, I promptly paid the charged-off amount. However, upon contacting Navy Federal again on the same day, I was informed that I couldn't reopen my checking account due to an additional charged-off XXXX credit card. 

This crucial information was not disclosed during my initial inquiries, leading to a misunderstanding and subsequent financial hardship. Furthermore, despite settling the credit card account as advised, I was later told that I could only reopen my checking account if I set up a payment plan for the credit card, a condition not mentioned in prior conversations. 

These conflicting and inaccurate statements from Navy Federal representatives constitute deceptive practices and have caused significant frustration and inconvenience. I am concerned that such misinformation may be widespread, potentially affecting other consumers and damaging the reputation of Navy Federal Credit Union. 

I request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action to ensure Navy Federal adheres to ethical business practices, provides accurate information to its customers, and rectifies any harm caused.
Product: Debt collection

I have disputed this several times with nothing being received. I do not owe {$100.00} please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

My Lexis Nexis report indicates that XXXX XXXX XXXX ran four inquiries on my report. Two on XX/XX/2023 and two on XX/XX/2023 At this time, my Lexis Nexis file was frozen. 


XXXX XXXX XXXX  didn't have my permission
Product: Vehicle loan or lease

MY BMW REFERENCE NUMBER : XXXX After my lease ended on my BMW, I purchased my BMW XXXX from BMW Financial on the XXXX XX/XX/XXXX for {$25000.00} They sent through the Bill Of Sale , and the certificate, and also included a letter, an affidavit of correction. They had had incorrectly inputted the mileage. On the Title it says XXXX miles, instead of what was correct, XXXX ( someone had written 7 instead of 1 ). 

When I tried to sell it in XX/XX/XXXX, I was offered {$22000.00} ( the mileage at this time was XXXX ). When I showed them the title, and they saw it read XXXX, they dropped the price to {$15000.00}, in spite of the affidavit of correction. 

I booked in time in at the XXXX to get the new mileage officially recorded for a new Certificate of Title at the first available date : XXXX XX/XX/XXXX XXXX said it can not expedite and it would take two months. 
I have visited the XXXX three times to no avail since to see if they can get it sent through quicker : XXXX XX/XX/XXXX XX/XX/XXXX XXXX As of XX/XX/XXXX, I still do not have the title. 

I am unable to sell my car due to BMW 's error and as a result of this it has and will cost me financially a substantial amount : There will be a depreciation in value of the car I have had to pay an extra six months of insurance ( so far! ). 
I will have to renew my registration I have spent time going to XXXX and to the XXXX. 

I emailed BMW financial and they replied that it is not their responsibility.
Product: Credit reporting or other personal consumer reports

To whom it may concern Maam/Sir, I am writing to complain and request that all debt collectors listed below cease further and all communication, to all three credit reporting agencies XXXX, XXXX, and TransUnion per the provision in 15 USC 1692c ( c ). 


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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Cont 'd attempts to collect debt not owed Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters out certified over 35 days and have been notified. I feel like these guys are taking advantage of regular people. After recently reviewing my credit report I noticed several inconsistencies regarding the accounts information attached. I sent a second letter to the Equifax after 30 days because I haven't received and documentation.
Product: Credit card or prepaid card

After looking through my bill I realized that I am being charged finance charges on my credit card bill twice at the end of the month. After finally reaching Comenity Bank and asked why I was being charged dual finance charges at month 's end billing. I was told because they took over the XXXX XXXX  from XXXX  XXXX in XXXX ( which business takeovers happen daily ) and I had a {$200.00} balance with XXXX  XXXX. I was paying a finance charge on the {$200.00} purchases I had with XXXX  XXXX and the new purchases I made with the card since Comenity Bank took over was a separate finance charge. I attempted reaching out to management via email and voice call without any correspondence. The bank is receiving multiple negative reviews with practices that doesn't make since to consumers. I have never been late on the account and since they have taken over this account from XXXX XXXX, there has been nothing but issues including online payment system going down for months and not having access to your account. Totally stressful!
Product: Student loan

It showed on XXXX more than once that my loan was removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

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
Product: Vehicle loan or lease

I was in a car accident on XXXX XXXX. 2017. The women who hit us, car insurance is XXXX XXXX, out of California. My car loan was with Wells Fargo Dealer Services. My car was totaled. The process of getting the loan pay off was delayed, according to XXXX XXXX by Wells Fargo. While I was waiting for the payoff, Wells Fargo added car payments, late fees, and other fees. When I checked with XXXX XXXX on the process, they told me it had been delayed, because Wells Fargo had not sent them the information they needed to complete the process. I called Wells Fargo, who told me they had just received the information from XXXX XXXX and was processing their request. When XXXX XXXX received the information, they submitted a payment. I had gap insurance, so after the insurance made their payment, the gap insurance made theres. About a week later I received a bill from Wells Fargo Dealer Services, telling me that I still owed them and that because I was late paying them they added on late fees and if I didnt pay they will send the bill to charge off. I contacted them and spoke with the office of vice president and explained what happen and that this bill should be paid in full. They contacted me back and stated the bill was correct and if I did not pay it in full they will send it to charge off. 
Well, they did send it to charge off and then I received another letter from them asking me for the debt, after the charge it off. The people I was trying to work with to resolve this matter, is the same people calling me after the charge off. When people constantly call you and harass you, you remember them. This loan should have been paid in full. When I contacted the gap insurance, they told me, they do not cover any additional fees added by Wells Fargo. This is just not fair and I would appreciate you looking into this matter for me. 
I have included the letters they sent me before and after the charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

My current address is XXXX XXXX XXXX, XXXX, Georgia XXXX. 
My current phone number is XXXX. 
My current employer is XXXX XXXX XXXX XXXX 

Please remove the following address ( es ) from my report as they do not belong to me and are being reported in error : Wrong Addresses : XXXX. XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX. XXXX XXXX  CT, XXXX, GA XXXX XXXX. XXXX XXXX XXXX, XXXX, GA XXXX XXXX. XXXX XXXX XXXX, XXXX, GA XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, GA XXXX Wrong Employers : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX
Product: Student loan

I applied for the SAVE program and was approved for XXXX XXXX  monthly payments before my deferment period was up. Then, I waived my deferment period so that I could begin making my XXXX XXXX  monthly payments. At this time, XXXX was assigned as my loan servicer. My loans were then transferred from XXXX to Mohela after I was approved for the PSLF program. I realized after this that under Mohela, I was not signed up for the SAVE program -- I quickly re-applied for the SAVE program and was once again approved for XXXX XXXX  monthly payments. However, I then received a statement for {$710.00}, due on XX/XX/2024 and was advised that my XXXX XXXX monthly payments would begin the following month. On XX/XX/2024, I called Mohela customer service to ask if my deferment period could be extended to cover up until my {$0.00} payments started in XX/XX/2024. The representative confirmed that this was possible and submitted a request on my behalf. They also assured me that the request would be reviewed prior to the XX/XX/2024 due date. However, the balance remained. On XX/XX/2024, I called Mohela customer service again. I was assured that the deferment request had been submitted and that all I needed to do was to wait for it to be approved, then the past due amount would be removed from my account. It is now XX/XX/2024 and my account is still showing past due and that I owe {$710.00}, even though it also clearly shows that I was approved for XXXX XXXX  monthly payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2018 i made my XXXX payment to XXXX XXXX  XXXX. i called and asked them when will my account be considered 30 days late i was informed that the 30th was the last day ( whisch was recorded ). So on that day i went online to make my payment ( where i always make my payments ) & for some reason when i go on line its not showing that a payment was made on that day for some odd reason i beleived it was removed. at that time i was using my XXXX account to make payments. Prior to making this payment i was in PuertoRico. On XX/XX/XXXX i tried to use my XXXX card and was notified by XXXX that my account was being used somewhere else when i contacted XXXX i was told that all of my funds have been taking out of my account and that they will have to send me another card. so i immediately signed into my online banking and seen that XXXX has not yet taken out the payment so immediately contacted XXXX i spoke with a representative and explained my situation to her i asked her was i going to receive a missed payment she stated that i wasnt because my statement hasnt came out yet i asked her multiple times and still received the same response. A week later i was notified by the credit bureaus ( XXXX, Experian & XXXX ) that i received a missed payment from XXXX. I immediately contacted XXXX and requested that i speak with a supervisor when i spoke with the supervisor she said that she will request that the call be reviewed by the executive team and that i will receive a call within 72 hours if in fact i was told that i wont be receiving a missed payment then my late payment will be reversed ( which was also recorded ). So i called back in 72hours and spoke with a representative named XXXX XXXX i spoke with him about my situation and he put me on hold for 20 minutes just to tell me that he did listen to the call and he know that i was told that i wouldnt receive a missed payment but that was inaccurate so he basically told me that theres nothing that they'll be able to do. I have been with XXXX  for the last 3 years and never had a missed payment or a repossession on my account. please assist me with this i have exhausted all of my options. I will like to get the missed payment reversed the account is now in an active status and has always been.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
DEPT OF ED / XXXX XXXX XXXX XXXX {$1800.00} ; DEPT OF ED / XXXX XXXX XXXX XXXX {$3600.00} ; DEPT OF ED / XXXX XXXX  Balance : {$3600.00} ; DEPT OF ED / XXXX XXXX XXXX XXXX {$4700.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Original C Creditor was ( XXXX XXXX XXXX XXXX ) balance of {$89.00}. I called XXXX XXXX XXXX XXXX they said they dont use XXXX XXXX they use XXXX XXXX. The debt was paid in full thru XXXX XXXX on XX/XX/20. I am requesting this to be removed from my credit immidiately.
Product: Money transfer, virtual currency, or money service

I received a phone call from XXXX XXXX XXXX ( a XXXX XXXX XXXX  number was listed on the caller ID ) on XX/XX/22 at XXXX PM, where the man on the phone stated that the electricity to my home would be cut by XXXX XXXX if I didn't provide him with {$490.00} to send a technician over - the amount of which would be refunded later. He stated that I should pay this amount through the XXXX XXXX app, at which point I sent the {$490.00} to the contact that was provided. He then stated that because I had not put a memo on the transaction, the transaction had not been completed and had be cancelled, so that I would need to send the {$490.00} once more so that they could send over the technician. I stated that I did not have sufficient funds to cover the charge again, and he mentioned that I would be refunded this amount within an hour, and that they would provide me with 2 codes to provide to the bank, so that the bank could refund me the money. They sent me a code " XXXX, '' which I then realized was another amount that they were requesting. After I said I will not send this account, they told me that they can give me another code, which would alert the bank to refund this money. The next " code '' he sent was " XXXX '' followed by another " code '' which was " XXXX '' at which point I sent over both these amounts. In total, I sent this man, who had claimed to be from " XXXX  XXXX XXXX, '' {$1600.00} from my personal debit card through the XXXX app. After being suspicious of these transactions, I called back XXXX XXXXXXXX XXXX, where I spoke to a representative who stated that they never authorize transactions through the XXXX XXXX, and I immediate realized that the first man who called me was not who he claimed to be. I proceeded to call my bank ( Wells Fargo ), who stated that there was nothing they could do because I had authorized this transaction, and I next filed a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act accounts listed below have violated my rights. These accounts have shown as " VERIFIED '' by the credit reporting agency. I have provided proof of my credit report ( current ) that shows in fact that the inconsistencies are still on there, 15 USC 1681 sections 604A Section 2 it also states a consumer reporting agency can not furnish accounts without my written instructions.

The below listed accounts are inaccurate and is improper use of my credit report... 

XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Closed Charge off )
Product: Debt collection

I deny that this is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my knowledge and I have no contractual agreement with Optimum Outcome Account Number XXXX XXXX Amount {$650.00} XXXX NC phone number XXXX