23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I been banking with BBVA for a few months and they wonderful for the most part. I have tried to take out personal loan, refinance my car as well as signature loan and have been refused in all areas. Im also going thru hardship especially mentally the VA has diagnosed my person having XXXX and XXXX. Im with a law firm that has ensured that the 20 plus years the military and VA have intentionally under diagnosed and not treated many of my health issues till this day but justice and fairness will prevail. I am plagued by years of medical bills and my ability to manage my finances tend to suffer. I have lots XXXX in thinking there alwsys better options and not trusting others are acting in my best interest after the fact which then makes me question them and myself and then seek better options. I feel when this banking offer for overdraft which I originally denied due being in a better mental state but now my XXXX was intense due to VA has delayed in providing my medical records to my law firm and it seems my finances were spinning out of control! I struggled but took my chances that everything will work out. This fees that accumulated during this 1st episode totaled to about {$970.00}. Now the 1st my deposit of XXXX was less than {$2000.00} and I paid what I could plus the automatic payments occurred then I was looking at deficit since I had other bills that couldnt be met. I went to taking chances to increase my funds since my bank wouldnt extend a loan but great at removing the funds from my account. The overdraft would cover a certain amount but each transaction would cost {$38.00} and if the amount is still in the negative after 7 days the bank will charge another {$28.00}. So an overdraft withdrawal of {$100.00} XXXX XXXX. Now if that amount isnt paid in full by 7 days later another XXXX is then added. In my state Im thinking next day the VA and my law firm will come up with a resolution and these fees will be no issue but unfortunately that not the case. I now feel I am being preyed on for their financial gain. The VA is already holding my meds and stopped my travel pay plus this ....
Product: Debt collection

About a year ago someone had made an XXXX account pretending to be me. They somehow got my XXXX account and debt card info. At some point i got an email about my account being charger and called XXXX about it. XXXX was the rep i talked to. He assured me the account was deleted and told me that no payment would be collected and to delete my paypal account. So i did, now I have a bill from the a debt collection office ( RFGI collection ) and they are requiring me to contact you guys.
Product: Credit reporting, credit repair services, or other personal consumer reports

A copy of the original contract or original purchase agreement that created the alleged debt. if the original contract is sent, it must include signatures for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders.

2. In addition, please send proof of chain of ownership of the alleged debt and include proof of assignment for each change of ownership Proof of chain of ownership must be from the original creditor to the current alleged owner without any break in the chain 3. Also include a full accounting history from the original creditor including the date and amount of each payment and the Date of First Delinquency leading to the collection status.

4 if any interest or fees have accrued or been added onto the balance, please send proof that such fees are lawful and agreed upon in the original purchase agreement.

5. Proof that you are legally allowed to collect on alleged debts in the state of YOUR STATE, including your Third-Party Debt Collection Bond 6 Also send proof that you sent the legally required notices Followed by reporting this alleged debt to any consumer icies, including copies of the original notice and Any letter tracking your firm maintains. FTC XXXX XXXX XXXX makes clear that it debt parking without # dproperthin hanking of XXXX sihanchalfreedonights.
Product: Credit reporting or other personal consumer reports

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 

XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Balance : {$85.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This was in XX/XX/2007 I put {$130000.00} into my checking account then maybe a couple months went by the bank called me want me to come in and talk to them so we went in and talk to one of our agents and she looked at my wife and sister home equity home loans my wife said no then she looked at me and said this is the best thing for you guys right now now our payments starting to get {$130.00} now it's up to {$440.00} which I can't afford to pay because I have several medical bills and I'm just having trouble paying them so I hope you can help me in someway thank you
Product: Debt collection

An application was submitted in my name for an XXXX in XXXX XXXX in XX/XX/XXXX for. The application fee was submitted to debt collection in XX/XX/XXXX and just appeared on my credit report. 


XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Original Creditor : XXXX XXXX Placed for collections on : XX/XX/XXXX Original Principal : XXXX Current Principal : XXXX Interest Due : XXXX  Total Due : XXXX COLUMBIA DEBT RECOVERY LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, I invested money into XXXX XXXX XXXX XXXX through a broker I found online. I did research on the company to make sure that the company was legit in order for me to invest. After I proved that the company was legit, I invested a total of {$210.00} to the broker ( named XXXX XXXX ). After that, he told me his " boss '' was going to give me a call to tell me what the next steps we're and to congratulate me on my investment ( named XXXX XXXX ). After some time passed, the broker contacted me about my profits ( total profits of {$3200.00} ). I was then told afterward that I had to pay {$500.00} in taxes in order for my profits to be released to me through XXXX XXXX to the companies " tax attorney '' ( XXXX XXXX ). I sent the payments through XXXX and XXXX XXXX through my phone. I sent one half of the payment through XXXX and the other through XXXX XXXX. The contact 's email is : XXXX I didn't pay the taxes and never received my money. I contacted my tax person and he confirmed that I do NOT have to pay taxes to get my profits paid out to me. People he knew invested in that company but never paid any tax for their profits to be released. I was scammed of {$210.00} and I never heard from the people again. I leave the documents or " contracts '' sent to me here.
Product: Credit reporting or other personal consumer reports

I looked at my Credit Report and it has the wrong dates on my credit report. I would like to have this account deleted from my report.
Product: Credit card or prepaid card

Capital One Credit card moved the payment date on my card, which also moved the close date for new purchases so those purchases in the extended window will be due on the new date. This effectively moved a 30 day charge cycle to a 45 day cycle. My usual charge pattern is roughly 4K per month, which I pay in full. This will cause me to owe XXXX on the next payment cycle instead of the usual XXXX, and since many of the charges are automatic, preventing them from being charged to the account in the next 15 days is impossible. 

I would have expected the credit card company has notice periods and opt out to changes in billing cycle, this seems like a trap to distort the monthly expected amount to be paid to some higher amount so the credit card firm can collect interest on an account that it usually does not. Also, had I been given adequate advance notice ( 90 days ), I could have moved charges to manage the impact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my report and there is still damaging information being reported to my consumer report. which is clearly a violation to my rights. I thought that 15 U.S. Code 1681e ( b ) my credit report should be reporting with maximum accuracy. Isn't that the law? 

I have been disputing for some time now and I get no response isn't that a violation under 15 U.S Code 1681i ( a ) a reinvestigation of my consumer report was never concluded. 

remove before litigation required
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX. I noticed that on my XXXX XXXX account the loan with XXXX that I Co signed for my son was not showing the last three months of on time payments. XXXX, XXXX and XXXX of XXXX. I then sent a dispute of the balance for XXXX XXXX to dispute. On XX/XX/XXXX. XXXX the dispute results came back from XXXX XXXX.I noticed that the account was deleted off my credit report. I did not request for the account to be deleted, I requested for the balance within the account to be simply updated. I then contacted transunion to correct the issue. They informed me that I had to contact the creditor. I did so and the creditor said that the company they use to report these type of things are always behind and that they will get it resolved, that was on XX/XX/XXXX. Today XX/XX/XXXX. I have heard nothing from them the finance companys manager XXXX. So I call just to check the status and was informed by the representative that her manager was the one I had to speak to. The rep said she would leave a note on the managers desk to call me. The rep also informs me that the manager did not know how to correct his problem even after on XX/XX/XXXX I spoke with the manager directly.I was in contact with her ( the manager ) and emailed her all my proof showing what I disputed from the beginning and why the account should not have been deleted but simply updated with a current balance. How can you have a open account thats paid on time and all of a sudden when you see the balance not reflecting the correct amounts just vanish from you noticing that your payments are not being reflected. Something is not right about this company. Working in the banking industry in the past has taught me a lot and this is very much suspicious!
Product: Checking or savings account

Penfed arent sending the required by law, account statement. This situation caused uncontrol of my finances and a lot of charges on my overdraft.
Product: Checking or savings account

I currently have checking accounts with XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX, and a CD account with Wells Fargo. 

Recently, I attempted to add beneficiaries to these accounts. However, upon contacting the banks, I learned that there is no option to add beneficiaries via online banking, phone, or mail. The only way to complete this task is by visiting their physical branches. 

As a person with a XXXX, and someone who works from XXXX XXXX XXXX XXXX XXXX every day except Sunday, it is not feasible for me to visit a bank in person for such a simple task. 

My concern is that in today 's world, most banks offer the ability to add beneficiaries through online banking. Why don't these banks make this important task more accessible via online services? 

Adding a beneficiary is crucial. If a person unexpectedly passes away, it raises serious concerns about the accessibility of their funds for their family members or loved ones. 

I am concerned that these banks may have ill intentions, possibly to seize unclaimed funds when account holders die unexpectedly. 

As a tax-paying citizen of the United States , I urge that adding beneficiaries via online banking should be made a mandatory feature for all banks.
Product: Credit reporting or other personal consumer reports

I am writing to complaint to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX WA, XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/year>. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Debt collection

I am making a dispute agains t Pinnacle, LLC  in a response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices ACT,  15 USC 1692G SEC.809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION  made pursuant to the  XXXX   XXXX . I respectfully request your offices provide me with compentent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit reports  (   XXXX   XXXX   XXXX   XXXX   ). T his action constitute fraud under both  Federal and State Laws. Also the stature of limitation are up on this debt and is no longer collectable
Product: Checking or savings account

I always use my debit card online but there is always fees for everything and I'm tired, wells Fargo never seems to help me.
Product: Debt collection

ntl recovery agency keeps trying to collect a debt for XXXX i never had XXXX
Product: Credit reporting or other personal consumer reports

Experian is violating my consumer rights. 
They are fraudulently letting XXXX XXXX XXXX XXXX report a fraudulent account on my credit profile. 
I have never heard of this company, nor should they have any information of mines. I was suspicious so I looked this company up on my Secretary of State website and seen that they arent even licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. Im asking you to enforce the laws on Experian for failure to investigate as Im a federally protected consumer. I will also be reporting both Experian and XXXX XXXX XXXX to the IRS filing out form 3949 -A information referral for unreported income since Experian gets paid from this company and this company isnt licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS XXXX I will also be reporting both companies to the Attorney General and XXXX XXXX XXXX I attached proof that XXXX XXXX XXXX isnt allowed to do business in my state. If the account isnt removed in 30 days, Ill also be filing the attached forms to sue both companies for defamation of character. They are making me look noncreditworthy to other lenders and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor has prescribed me XXXX because I havent been able to sleep at night due to the finally and emotional harm these 2 companies has caused. I know that XXXX XXXX XXXX pays Experian to report inaccurate information and Experian refused to give me a fair investigation for their financial gain.
Product: Mortgage

Servicer engaged in practices that harmed borrower, including but not limited to : failing to timely and accurately apply payments made by borrowers and failing to maintain accurate account statements ; charging unauthorized fees for default-related services ; providing false or misleading information to borrowers regarding loans that had been transferred from other servicers ; failing to provide accurate and timely information to borrowers who sought information about loss mitigation services, including loan modifications ; misrepresenting to borrowers that loss mitigation programs would provide relief from the initiation of foreclosure or further foreclosure efforts ; improperly denying loan modification relief to eligible borrowers ; providing false or misleading reasons for denial of loan modification ( s ) ; with respect to transferred loans, failing to honor in-process trial modifications agreed to by prior servicers ; and robosigning affidavits in foreclosure proceedings. 

The servicer ( ASC ) cliams the investor ( s ) will not modify/pay " Corporate Advance Fees/RICO ) fees. However, after reconfirming eligibility and terms via REST Report/Loan Disposition Analysis/NPV, these fees should be waived, as this loan qualifies for HAMP Tier 1 & Tier 2, as it is confirmed that the investor participates ; the borrower, in good faith, paid the RICO fees of {$2300.00} on XXXX/XXXX/16. 
Claims of Improper Denial, The ASC confirmation for payment of the RICO fees was/is - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

First name :  XXXX  Last name :  XXXX  D.O.B: XX/XX/XXXX  Last  XXXX  digit of mySSN #  XXXX  Primary phone: XXXX  email :  XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , NY  XXXX  My car  XXXX   XXXX     XXXX    vin  #  XXXX , was financed by  XXXX   XXXX   XXXX  LOCATED AT  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX , CONTACT: XXXX , The original loan of my car was {$32000.00}. Loan account number #  XXXX .   I am complaining the loan never been reported to any of the credit bureau  XXXX , Experian,  XXXX . Unfortunately i 've tried to resolve the issue with   XXXX   XXXX   XXXX
Product: Bank account or service

I purchased a cashiers check to secure a rental home for my family. After the funds were sent but before the check was processed, I was unable to reach the property management company and suspected fraud. I contacted Navy Federal and was told the check had not been processed and I could stop payment on the check by filling out an affidavit of loss. I did this right away and the funds were credited right away. 7 days later I receive a call from navy federal informing me that the check was presented for payment and the funds were deducted from my account. I explained the situation again and they refused to reverse thier decision. I tried to escalate this to a supervisor and was told the person I was talking to was a high as it could go. I have been a customer of this bank for 20 yrs and have never had an issue like this before. They lied to me and have refused to make it right.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX  ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. It proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Money transfer, virtual currency, or money service

On XXXX I purchased options contracts for XXXX and XXXX to expire XX/XX/19. 

On XXXX I changed my phone number and on XXXX I contacted a Robinhood because I could not get into my account. The two factor authentication was set up with my old phone number and they only allow you to contact them to update the phone number. 

I sent them an email to their customer support at XXXX XXXX  and other emails until XXXX XXXX  that day. I received an automated email to send back a photo of my drivers license and other information and immediately complied and sent the information. 

It is now Friday and I am still unable to get into my account. I wanted to sell my options contracts this week and could not due to their lack of response. I have lost my funds because of this. 

I also can not access my 1099 because it is within my account for me to file my taxes. 

I am beyond stressed due to their lack of response please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : XXXX XXXX, XXXX XXXX XXXX, RR XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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: Debt collection

I was in forbearance with Cardinal Financial until XXXX, 2024. 

Cardinal Financial sold our mortgage to XXXX XXXX  XX/XX/year> without notification of transfer. 

XXXX XXXX  sent mail saying I owed {$16000.00} in debt when my payment were paused with Cardinal Financial ( False Information ). They also said my forbearance ended XXXX XXXX and my account was in severe delinquent status is I did not pay mid month without sending notice. ( False Information ). 

Now they are asking for more documentation for starting over the forbearance process which should be transferred with my account.
Product: Student loan

MOHELA increased my student loan balances by a large amount. I have called them and messaged them. they said I should be receiving a refund check from the treasury for over {$20000.00}. To date I have received one treasury check for {$4800.00}. I am still missing money yet my student loan balances have increased
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX