23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

AMR called attempting to collect on a small XXXX bill on XXXX/XXXX/15. XXXX left a message concerning " personal '' reasons. I called back and talked with XXXX XXXX ( female ) who then stated it was a debt collection and asked to verify me. She then told me my birthdate, last XXXX of my social, and an old address and asked if this is me. I stated " sure '', surprised that even if it wasnt me I could have said yes and gathered all that information given and stole my identity. I then told her it was an old address and asked what it was regarding. The collector became rude and short tempered. I asked for proof of the bill. she stated it was mailed out. I told her obviously they had the wrong address and I had given her the correct XXXX. She stated they " didnt get the mail back '' and told me she would mail a new statement out and hung up on me. I was surprised by the unprofessionalism but more importantly that she gave my information freely to anyone. If I hadnt been me, would she have asked the person to forget all that information she just gave out. I called back and spoke with a supervisor, XXXX, who apologized and stated they would pull audio recording and review and a supervisor would call back. I was called back by XXXX who stated he was a supervisor and had reviewed the audio. XXXX stated that the collector " followed the letter of the law '' concerning my privacy. That he apologized for her behavior. No laws were broken and as a matter of fact they had other bills in office for my name, my sons name, and my daughters name and now we will send you all of these so the original amount we stated was wrong. ( another violation- attempting to collect an incorrect amount for a debt ). He stated again that the letter of the law was followed by giving all the information out and asking " is this you? '' before giving out additional information. I am EXTREMELY uncomfortable with anyone having my information and giving it out so freely. Isnt this a violation of the privacy act?
Product: Checking or savings account

Hello, I called Ally twice on XX/XX/year> in the morning. I was getting a XXXX error on their website while trying to transfer {$1.00} to another institution. On my first call, I was told the bank thought it was fraud and froze further transactions. They then told me to call the other bank. On a subsequent call to Ally, they told me it was because I was transferring money to myself. On the same day, I transferred {$4000.00} from one of my banks to Ally with no trouble. What's further, I have transferred money between banks hundreds of times using XXXX with no issues. 

I talked to a 'supervisor ' named XXXX XXXX ID XXXX who basically refused to do anything despite the fact that I am unable to get my money out of this bank. I asked her to show me that in the terms and she couldn't. This is unacceptable to hold a depositors money XXXX. I am not able to contact XXXX because they don't handle any issues- they refer you back to the bank. 

While I was on with this supervisor, they basically didn't care about the situation. She spoke over me to put me on hold- not asking consent- just doing it. If I was you, I would re-consider using this bank. Horrid service.
Product: Credit card or prepaid card

XX/XX/2018. The Well Fargo telephone response system for understanding and paying credit card bills does not tell the customer the current amount owed on the current statement. It tells the customer either the minimum amount owed ( {$20.00} ) or the full amount charged to date, which is larger than the amount currently owed. The customer service representative I spoke to said she had brought this problem up to the IT department several times but they refuse to change it. They do not provide the current amount owed on the current bill so that a customer will either 1 ) pay the minimum amount and incur a huge service charge. or 2 ) pay the full amount of the current charges on the card so that Wells Fargo can use their money and get interest from it. Wells Fargo is still deceiving their customers and over-charging them because their executives are still criminals. This would be quite easy to resolve but Wells Fargo refuses to do so. Please take action to force Wells Fargo to be fair to their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly submitted disputes on items on my credit report beginning back as far as XX/XX/2018 to XXXX, XXXX, Transunion credit bureaus. Nothing has been removed as they only send back verified and nothing saying how they verified the accounts. I also have submitted police reports of fraudlent activities on the following accounts : XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX  and others. I have not lived at the address associated with these accounts and I have documentation to prove this.
Product: Credit card or prepaid card

I contacted Capital One asking for a replacement for card XXXX and a month later : still no replacement card. So I " closed '' my account. Capital One STILL owes me a refund on this account as it was over paid. Next issue with another Capital One : acct XXXX is also OVERPAID and again : No refund of the overage by Capital One. Seems Capital One can assess a late fee payment when a bill 's 2 days late in being received in the mail - but IS allowed to hold onto overage funds and pay the consumer when the creditor ( Eventually XXXX feels like getting that fixed. Customer service is really horrible. You have to either submit your issue by mail to their office in XXXX XXXX XXXX OR wait forever on the phone for someone to help you.
Product: Credit reporting or other personal consumer reports

As per the guidance from the CFPB, the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX XXXX rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block and remove this information from my credit report with FOUR BUSINESS DAYS. 
Please delete the following accounts XXXX XXXX XXXX XXXX XXXX  {$460.00} Chapter XXXX bankruptcy : Bankruptcy XXXX. {$0.00} XXXX bal. {$0.00} XXXX bal. {$0.00} XXXX  bal. {$720.00} XXXX XXXX. {$1100.00} XXXX XXXX XXXX XXXX XXXX. {$3300.00} XXXX XXXX XXXX. {$5200.00} XXXX XXXX XXXX XXXX XXXX. {$5300.00}
Product: Checking or savings account

I opened an account with US Bank and promptly deposited a personal check from my uncle to help me cover bills from my recently ended unemployment until my first paycheck arrived. I was assured there would only be a three day hold when I deposited the check on XX/XX/18. It is now XX/XX/18, a freeze has been placed on my account, I've been accused of fraud, I've had to leave work early to meet that branch during their office hours and still have received no solution. They will neither let me have my funds nor close my account. As a result, bills have bounced and I've had to address issues with creditors. I have called their 24 hour hotline and they still refuse to help me and insist I go to their branch during business hours.
Product: Student loan

In XXXX, I took out a {$30000.00} student loan from XXXX XXXX with a cosigner due to lack of credit history. For the past 12 years, Ive paid back between {$18000.00} and {$20000.00}. But as of XX/XX/XXXX, my current balance is : {$43000.00}. Consequently, all money Ive paid back so far went toward the loans interest rates, which keep changing at Navients discretion. I made several attempts to ask why the interest rates always changed in the middle of every payment plan ( agreed by both parties ) without informing me beforehand, but Navient never gave me a valid, logical and transparent explanation. As you already know, such business practices ( by Navient ) are shady, fraudulent, unfair and must be stopped. 

On XX/XX/XXXX, 39 state Attorneys General announced that Navient, known as one of the nations largest student loan servicers, will provide relief totaling {$1.00} XXXX to resolve allegations of widespread unfair and deceptive student loan servicing practices and abuses in originating predatory student loans. According to the attorneys general, the interest that accrued because of Navients forbearance steering practices was added to the borrowers loan balances, pushing borrowers further in debt. You can read more details about the settlement here : XXXX XXXX XXXX/ As a XXXX resident, I also joined the multi-state lawsuit against Navient. The settlement requires Navient to make restitution payments to approximately 357,000 harmed borrowers nationwide, including 43,000 Californians. Californians will receive around {$260.00} XXXX of that debt cancellation, going to approximately 7,400 California borrowers. In addition, the settlement requires Navient to reform its loan-servicing practices, including by ensuring that its call agents advise all borrowers of the benefits of income-driven repayment plans if they are seeking to stop or lower their payments. Unfortunately, I havent received any restitution payment from Navient, and/or any notification that my loan will be canceled or my interest rates will be reduced. But both my cosigner and I continue to be harassed by Navient incessant calls and emails asking for more payments, while refusing to explain why all the money Ive paid so far went toward interest rates.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit, loans. XXXX XXXX XXXXXXXX {$470.00} XXXX. XXXX XXXX XXXX {$900.00} XXXX. XXXX XXXX XXXX {$1900.00} XXXX. XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX. XXXX XXXX {$1000.00} XXXX. XXXX XXXX XXXX {$7200.00} XXXX. XXXX {$5500.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

Ive sent Register Funds ( XXXX XXXX XXXX ) by mail many times. A USD {$200000.00} dollars International bill of exchange was sent to the trustee of the company. Which would be Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. For a discharge of a debt. No response. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Both a departments of WELLS FARGO. The envelope that was sent with no corresponding name on it had no stamp on it as well. This means you did not register my security with the SEC ( Security Exchange Commission ) as asked. There are more registered fund numbers as well. The envelope with a letter that was sent to me on XX/XX/2024, and received on XX/XX/XXXX. Did not have a stamp on. The XXXX XXXX company loan number XXXX. XXXX XXXX has a fraud loan contract thru XXXX XXXX XXXXXXXX XXXX. THE LOAN WAS PAID WHEN SHE SIGNED HER NAME THE ONLY NAME ON THERE .. Ive also filed a complaint with the FEDERAL TRADE COMMISSION . Which is also a trustee bank for XXXX XXXX XXXX XXXX. The recoupment dividend of their Treasury Coupon has not been accredit to her account as well as XXXX XXXX XXXX XXXX. EVER statement/bill send was not registered with SECURITY EXCHANGE COMMISION XXXX The book entry would show it all. 
The regulation that your bank has to follow comes under G.A.P.P. - GENERALLY ACCEPTED PRINCIPLE AND PRACTICES. You are not a government agency, meaning you do not have the authority to have my name, social security, etc. 
Ive try to cash my International Bill of Exchange/ Lien Check/ Bill of Exchange at Wells Fargo Bank N . A.. You should know which location. I was denied. OUR DEPOSIT IS INSURED {$250000.00}, FDIC FEDERAL DEPOSITORY INSURANCE CORPORATION. How do I access that? 
Tell me, please. If I had to make a guess I'll say a closed account or a wire transfer while the account is still open. ( ALL LEGAL BY THE WAY., ) I was denied a credit card when my credit is unlimited. Fasle Credit score from XXXX. [ FRAUD } ( XXXX should not have my information according to the Privacy Act and WELL FARGO BANK N.A POLICY. ) THE NAME XXXX XXXX XXXX XXXX IS COPYRIGHTED AS WELL UCC NUMBER IS XXXX - XXXX. AND COPYRIGHT NUMBER IS XXXX
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. 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, credit repair services, or other personal consumer reports

As XX/XX/2018 I check my XXXX XXXX  account only to see XXXX has reported that I have 107 inquiries that I didnt authorize with credit cards accounts and auto loans ... also Equifax is reporting a100 inquiries that I didnt authorize for the same exact reason.. and also on my XXXX profile is showing a lot of inquiries as well ... I have a fraud alert that suppose to let creditors contact me before extending credit.. However this was done fraudulent and without my concent ... I did not authorize these companies to use my confidential information to extend credit in my name I have file a police report and will be hiring a lawyer to see who has fraudulent tried to open up accounts without my consent.
Product: Checking or savings account

Binance is a scam of a company with how long they hold funds before you can withdraw them from your account there. On XX/XX/21 I deposited {$1000.00} into my account with them from a XXXX account via ACH. This ACH was cleared from my XXXX account on XX/XX/21. However, Binance will not allow me to withdraw these funds regardless of it's for 10 business days ... I have emailed them multiple times asking why there is this 10 business day lag when the funds are confirmed out of my account and have not received any response. They were supposed to be a passthrough transaction for me and now I have lost nearly {$200.00} in value of that {$1000.00} due to their ridiculous hold.
Product: Checking or savings account

On XXXX XX/XX/XXXX I reactivated my account with MoneyLion and transferred my direct deposit to MoneyLion. The app required that I verify identity which I did. I checked the app a few days later and saw that my XXXX XXXX account had a hold on it so I called the company. This was on XX/XX/XXXX. I was told that I needed to verify my identity and to do so I would need to send in a state identification card and a selfie of me holding the state identification card. I submitted the documents and then received the email saying that I needed to confirm my date of birth my last fourth my Social Security and whether or not I was the account holder. I returned the email with the required information. Ive been received another email the next day, saying that my documentation was not good enough and I needed to resubmit. This was on Wednesday, XX/XX/XXXX. I proceeded to resubmit the documentation and then I called to speak to someone. I asked them to verify that they got the information and then I asked them if this would affect my direct deposit I was told that it would not affect my direct deposit And that everything should be good. On Thursday, XX/XX/XXXX I called to verify that my identity was verified. I was told that my information was OK and that I should be getting an email with confirmation that my hold on my roar. Money account was lifted. I didnt ask them if the delay and identification verification would affect my direct deposit. I was told again that it would not affect my direct deposit it would just be put in there and Id be able to access my money after the verification process was finished. On Friday I still hadnt received the the email and therefore I called to verify that everything was done and was assured that my account was fully verified and that they saw a pending direct deposit for the amount of {$4800.00} and that my deposit will be available on XX/XX/XXXX. I think the lady and hung up the phone. I received the email on Saturday verifying that my hold was lifted. On Sunday I did not get her direct deposit. I called MoneyLion immediately and was told that my direct deposit was marked for return due to my identity, not being verified. I then proceeded to tell them that this was unacceptable and ask how this happened when I was assured that my direct deposit will go through. They told me they didnt know. I requested to speak to a supervisor they said that supervisor was unavailable and I would have to wait to return call. I was then advised that I could take out a credit repair loan. I applied got approved for XXXX and saw that it would be deposited on XXXX XXXX here it is XX/XX/XXXX and I did not receive the deposit I called MoneyLion and was told that I was putting in reserved and that I would not get the money until the loan was paid off. I explained to them that that was unacceptable that I needed the money due to them returning my monthly paycheck that I am now not able to pay my rent my car note my insurance or feed my children because I have no money due to them marking my paycheck for return.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  Date OpenedXXXX Balance : {$700000.00}. Also, I want to dispute this XXXX XXXX XXXX account. 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, Please update this.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX. XXXX  XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re  : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collections account from XXXX XXXX with XXXX on XXXX XXXX 2017 because I have never received any correspondence from this company, the account just appeared on my credit report. The dispute still shows open as of today. 3 weeks ago the account was deleted from my credit report only to be added again 1 week later. I have still not received anything in writing from this creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act 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 a account without my written instructions