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

This is a follow up complaint that was not addressed by the bank. the other issue which Chase bank refuses to acknowledge besides the hardship they caused, unanswered questions about freezing ALLLLLLL my accounts instead of just putting a hold on a single deposited check, Then they froze my daughters accounts, which are NOT tied to mine, COMPLETLY separate, we are NOT on each others accounts, or in the same home or county. and breeched confidentiality by telling her about the check i deposited ( which was legal and confirmed in 1 day yet until i went into the branch after being hung up on 2 times, and called the complaint dept, on hold for 2 hours, did they release my money ) into my acct, they gave her my acct number, and when she told them she has know idea whos account that is, they continued to tell her the name on the check, and the amount,. i have tried to get answers and they are denying and ignoring any wrong doing, they sent us BOTH a threating letter, that if we do provide information they requested, they would close our accounts.. They gave personal confidential information and refuse to right this wrong. Giving personal information ACCOUNT numbers to anyone is against the law, CHASE bank needs to correct this, and people need to be made aware of the actions they are taking to hold money, and not help.
Product: Debt collection

Wakefield is attempting to collect a debt that I have never heard of from an alleged creditor or medical facility I have never visited nor heard of nor visited. Wakefield nor the original creditor/medical facility has never contacted me before to provide validation or proof of this debt. This is not my debt and likely the result of identity theft.
Product: Debt collection

LVNV is trying to collect a debt that I do not owe them.
Product: Credit card or prepaid card

I have opened up a fraud claim with Bank of America for the third time, because I noticed money had been missing out of my account. A total of XXXX have been fraudulently sent to XXXX.. I don't have the resources that they do, to have an investigation or to get video footage to prove it wasn't me. My first claim was on XXXX. I have been reading about all the scams and frauds that have been going on and I am a victim. The fact that my card didnt have the appropriate anti-fraud technologies and the typical chip technologies that all of us use in every other context is enough to put me at risk for fraud. I should get atleast a provisional credit intill a more in debt investigation is done. I beleive Bank of America is violating the federal Electronic Funds Transfer Act '' by denying my claim without a good faith investigation. Please help me.
Product: Money transfer, virtual currency, or money service

i have an account with Robinhood, suddenly i found my shares closed notification which i didn't do or authorize it then i had to check when i entered my account i felt something wrong someone is messing with my account i report that immediately to the support they where so lazy and didn't lock my account except after an hour which make the hacker made many trades. they made investigation and ask for proves i submit all what they asked for, the trades happened after market hours but because it was for their benefits they didn't revert them while they can and they didn't even finalize it. which means that they could be the one who hacked my account. now after they conclude the invitigation they still freezing my account so they can use the money for there own benefit. please safe me as i lost over $ XXXX. and now they don't answer any emails or chat.
Product: Credit reporting or other personal consumer reports

This company has entered a debt on my credit report. I have contacted the company in an attempt to understand what it is for and additional information, without a response. 
I sent certified mail with return receipts on XX/XX/year>, XX/XX/year>, and XX/XX/year>. 

I have also disputed this information with the credit reporting agencies on multiple occasions and was informed that the debt had been validated. I find this highly suspicious when I can't get a response from the company.
Product: Debt collection

I am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected. 
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possible
Product: Debt collection

I have credit repair and currently got past years still disputing a negative item which is Kohls, this is an identify theft and an account open without my knowledge and consent. I called many times and tried to resolve matter but unsuccessful. Please let me know if Im missing a step as I want to resolve this as soon as possible. The many owe is close to {$1000.00} Thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute incorrect information on my credit report regarding accounts that have been inaccurately marked as late payments. After thoroughly reviewing my financial records, I have confirmed that these accounts were paid on time, and the current reporting does not accurately reflect my payment history. 

This erroneous information has unfairly impacted my FICO Score, potentially affecting my ability to obtain credit and financial opportunities. Under the Fair Credit Billing Act ( 15 U.S.C. 1666b ), I am entitled to a fair and accurate review of disputed items. Therefore, I am requesting an immediate investigation into this matter and a correction of these accounts to reflect their true, on-time payment status.
Product: Debt collection

Caine Weiner is reporting a debt on my credit file I do know owe. I didn't know about the debt until I checked my credit. As soon a I found out I paid the debt. I never received a phone call or letter regarding this debt. They are in violation. Also, they continue to report the debt and hurt my credit after it's been paid. This is erroneous! It needs to be removed.
Product: Credit reporting or other personal consumer reports

I recently was reviewing my report because of identity fraud and there is address XXXX XXXX XXXX XXXXXXXX XXXX listed I dont recognize..
Product: Vehicle loan or lease

Around XX/XX/XXXX Capital one denied me a consumer credit transaction through the dealer XXXX. I applied for the transaction after I found a XXXX XXXX XXXX XXXX  I liked. They stated I had no credit information and said their information was based whole or in post on my consumer report. They also failed to provide a numberical number. I received no specific answers as to why I was denied my right to defer debt, other than that consumer reporting agencies couldn't report on me. I didn't get a telephone number for Capital One. Just a return address. Consumer reporting agencies can't possibly report on my credit as a natural person since I have never written for them to do so. Let alone accurately or with privacy. Capital One used my social for a completed application for credit. I sold them my credit, I received nothing from it, and they got paid using it. As a natural person with an open ended credit plan, my rights were violated and I was denied a vehicle for personal use.

15USC 1602i- defines consumer. Being I am a natural person I am also the consumer.

15 USC 1602f- defines credit as a RIGHT to defer debt or payment. I was denied my RIGHT.

But Capital one still used my credit card as defined in 15 USC 1602l.

12 CFR 1002.2C ( 1 ) ( i )- I received adverse action without a counteroffer.

15 USC 1681m ( 2 ) ( a ) - I never received a numerical credit score and this says it must be provided if you use it to in while or part to make a decision. As Capital One says they did.

Capital One is a financial institution ( 15 USC 1681a ( t ). They're supposed to hold accounts belonging to consumers ( natural person ) which is what I am.

Was my credit card used to open an account under my open ended plan without my benefit?

According to 15 USC 1602p the consumer must get a benefit from a credit transaction. I received no benefit after usage of my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX, XXXX, XXXX, XXXXXXXX XXXX Employer : XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Collections : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Employers : XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections : 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 Employers : XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXXXXXX DP OF EDUC XXXX DP OF EDUC XXXX DP OF EDUC XXXX DP OF EDUC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The accounts below have violated my federally protected rights to privacy and confidentiality under 15 USC 1681. XXXX : XXXX 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.
Product: Credit card

XXXX XXXX XX/XX/2015Ten years ago I was XXXX. I used a U.S. Bank credit card to to buy XXXX on line. Before I realized it, I had spent {$5000.00} and owed U.S. Bank {$5000.00} more. What with interest rates and late fees the amount I owed skyrocketed.I got off the XXXX but the debt remained. I was living on an inheritance. I found a job paying $ XXXX/hr. USB wanted their money in the worst way. I could n't keep up with the monthly payments. I have less than bad credit anyway so I decided to stop paying USB ( my only credit card ). Then the letters and phone calls from USB started. I told them I did n't care about my credit so go fly a kite ( I used those words. I am a XXXX man and do not use profanity. ) The harassment continued. I felt bad that I owed the money but had no way to repay it. Finally, 4 years ago USB made a deal with me to pay $ XXXX/mo with no interest. 
Long story short, I have paid down the amount over the years from {$4700.00} to {$1600.00}. I read the article in XXXX about cfpb. I am XXXX years old now and living on XXXX. Is there any way you can help me get that remaining debt canceled or reduced. $ XXXX/mo would be useful to me as I just retired. They want it by the XXXX of each month. I have very few options in this matter. Thank You, XXXX
Product: Student loan

On Sunday, XX/XX/2017, I attempted to make my monthly loan payment online ( through navient.com ) with additional funds ( more than the amount due ) allocated to a specific loan. However, the Navient website does not allow users to allocate extra money to a specific loan. Instead, Navient allocates the extra funds across all of the loans, by default. The only way to allocate additional funds to a particular loan is to contact Navient Customer Service by telephone. 

This resulted in 2 issues : ( 1 ) I was unable to allocate additional funds to a particular loan through the website, and Navient 's Customer Service department is closed on the weekends. This resulted in my payment being 1 day late. 
( 2 ) I called Navient Customer Service on XX/XX/2017 to pay my bills and to allocate additional funds to a particular loan. The Customer Service representative indicated that the funds would be allocated accordingly, and she twice confirmed the specific loan number that would be receiving the additional funds. 

On XX/XX/2017, I checked my account online and found that, despite my explicit instructions to allocate additional funds to a particular loan, no money was applied at all toward that loan. Instead, Navient allocated the entire payment ( including the additional funds ) across all of my loans without applying any of the money toward the particular loan I had identified. 

The fact that I am unable to allocate payments through the website ( and instead am forced to call Customer Service ) is burdensome enough. This is further compounded by the fact that Customer Service is not always available to assist with this task. Finally, Navient 's Customer Service incorrectly allocated my most recent payment ; this requires immediate correction. Please note that I also sent an email regarding this issue to Navient 's Office of the Customer Advocate last night. As of this writing, I have received no response.
Product: Debt collection

XXXX is wanting to collect {$5000.00} for a XXXX XXXX called XXXX XXXX. I called my recruiter twice about having issues with them verbally abusing me. The instructors called me mentally challenged. They flunked me for air brake issue on the XXXX exam. When an instructor advised me that its a safety mechanism on the XXXX truck that wont let me test the tractor pull for the parking brake and service break test on XX/XX/2022. On XX/XX/2022 I called my recruiter, XXXX XXXX, again and finally got an answer. I advised her what happened and she had nothing to say.
Product: Money transfer, virtual currency, or money service

This complain pertains to a payment processing platform called square, they accept payments on behalf of small businesses in efforts to make payment processing easier. However, this company is blatantly stealing money from clients, i have processed a payment of {$14000.00}, they very gladly accepted the payment. They did not ask for any information to activate my account, federal law requires payment institutions and banks to collect my identity before accepting any deposits. Case in point, post my payment processing the company claims they need additional information to release the funds, upon submitting the needed, the company nonchalantly claims we do not fit the criteria and they will hold our funds for 90 business days. This is a violation of my rights under 15 U.S. Code 1666c. Customer service rep XXXX for the company that called me from XXXX on XX/XX/XXXX at XXXX refused to connect me to a supervisor to discuss further and asked me to refer to the email sent by the company. The call record can be obtained since they returned a request for call back on my number XXXX. The emails are attached for your reference. The company has not only charged their processing fee from the amount, they closed my account and refused to pay it back until XX/XX/2023
Product: Credit reporting or other personal consumer reports

My recently checked updated personal credit report showing these remaining three ( 3 ) unauthorized credit inquiries and an inaccurate address still remained on my personal credit report. I once contacted these companies for inquiries and asked them to remove their credit inquiries from my credit profile. I also requested that you initiate an investigation into the below inquiries and address on my credit report to determine who authorized these inquiries. I know your investigation is complete, and you find my allegation to be true, please remove these inquiries and address and send me an updated copy of my credit report at the address provided : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 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 ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$4800.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$530.00} ; XXXX XXXX Balance : {$260.00} ; XXXX XXXX XXXX XXXX Balance : {$530.00} ; XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Student loan

Subject : Urgent Legal Request for Resolution Regarding Aidvantages Non-Compliance CFPB Case # XXXX and # XXXX Dear Consumer Financial Protection Bureau , As a federally protected consumer, I am compelled to escalate the unresolved issues with Aidvantage pertaining to their non-compliance with federal consumer protection laws, as highlighted in their response dated XX/XX/year>. Despite multiple requests for the original instrument of indebtedness associated with my student loan account, Aidvantage has failed to provide these crucial documents. Instead, they erroneously sent a promissory note intended for another borrower, demonstrating not only a lack of possession of the requested documentation but also a serious breach of my privacy.
Product: Debt collection

For the last 12 months XXXX has been selling this account to various collection agencies. XXXX of them to be exact. I do not owe XXXX anything. I had service with them and I paid my bill then closed my account. I then had service with another company. XXXX came and picked up the equipment and gave me a receipt. First XXXX claimed that I owed the amount for the equipment then I produced the the receipt. For the past 12 months they claim its for service. I produced the bill for the new cable company with the installation date on it. With each collection agency they change the XXXX account number but the amount is the same {$1400.00}. The last agency added XXXX cents. It has been added to my credit report at least 5-7 times. This harassment has to stop. I ended my service with XXXX XX/XX/2014. No early termination fees. No last bill. My balance was {$0.00} before I disconnected my service.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been two fraudulent credit card accounts reported all three credit bureaus for several years. This is done by capital one bank. I have made several attempts over the years to rectify the situation. Every attempt has resulted in the information still reporting incorrectly. Ive asked credit one bank to provide me with account signatures and details and I have felt to do so. They say that the account is legitimate as per my telephone number. Im a public figure and my number is used in share by many people. I have never looked at the address that they claim legitimizes the account. I am seeking help to finally rectify the situation as these is a fraudulent accounts.

Again, I have asked Capital One Bank for proof of documentation and contracts and it never has been provided to me. 

These are the credit cards as per XXXX : CAPITAL ONE Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Account charged off. {$1900.00} written off. {$1900.00} past due as of XX/XX/XXXX. 
CAPITAL ONE Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Account charged off. {$990.00} written off. {$990.00} past due as of XX/XX/XXXX. 

Here is the fraudulent address : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX Ca XXXX
Product: Mortgage

I have contacted Selene Finance and they have told me if I can reinstate the past due mortgage balance, the terms of the loan will continue the same. Since my past due mortgage is in the amount of +/- {$94000.00}, they will accept {$50000.00} from HAF and the rest from a family member.
Product: Debt collection

Wells Fargo Bank used the right to offset twice by taking money for my wells Fargo XXXXXXXX XXXX out of my XXXX account. That is against the law and Wells Fargo sent me a letter w the case number XXXX stating that they had the right to take {$530.00} from my checking account on XXXX XXXX. They also took {$2700.00} on XX/XX/XXXX or XX/XX/2020. When I called Wells Fargo Bank in XXXX of this year I spoke to XXXX different bank employees back to back because my call was " accidentally dropped '' I got 2 completely different stories and date from the wells Fargo employees. The XXXX representative I spoke to was XXXX and the second one was XXXX. They overdrafted my account after my mortgage, also from Wells Fargo was deducted from my XXXX account. The mortgage then reversed the payment but kept the offset. The money that Wells Fargo took from my XXXX  account was for my XXXX XXXX debt. When I spoke to the man in the XXXX department, he said that Wells Fargo had the power to offset even though the XXXX government does not allow the right to offset for credit card debt. They sent me a letter on XX/XX/XXXX XXXX again stating that they had the right to remove those funds from my account. I believe that Wells Fargo broke the law and knew they were doing it. I would like to get a total refund of the 2 right to offset that Wells Fargo Bank took from me and I would like to see them punished for their illegal acts. Thank you XXXX XXXX