23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company keeps calling and calling and hanging up. At least 5-6 times a week. I called back TWICE and told them I wanted information on their business and just exactly what they are trying to " Collect ''. They became very rude, one woman hung up. I told her I want verification of any debt, including the creditor that is trying to collect sent to me via US Mail. They have refused for the past two plus months. I asked them to stop calling, but they have ignored me, This is becoming harassment. They are in violation of the FDCPA law.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items on my crdit report XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX Account # XXXX Balance : {$0.00} Date XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX XXXX Balance : {$15000.00} Date XXXX Account Number : XXXX XXXX XXXX XXXX Account # XXXX Balance : {$3800.00} Date XXXX Account Number : XXXX XXXX XXXX  Account # XXXX Balance : {$310000.00} Date XXXX
Product: Money transfer, virtual currency, or money service

My complaint is with Binance.US. I believe what theyre doing to me and other customers are criminal. They are holding my funds hostage and disabled my with drawl, trading, and deposits so literally no way to regain functions. Worst part is my money has been stuck in doge coin constantly going up and down and have lost over 100 thousand dollars due to these limitations also recorded me trying to withdraw and not being able too. Over the past 2 weeks Ive lost XXXX and issued many support tickets and never get a reply and one time I did and it was not related to my complaint I told them and then never heard back. On XXXX 2021 Binance.US sold two orders with no permission one for {$10000.00} and another for XXXX . I need this funding for a XXXX for XXXX and this is a urgent matter.
Product: Credit reporting or other personal consumer reports

Cease and Desist Communication Regarding Collections/Charge off Account Velocity investments LLC I am writing to formally request that you cease and desist all communication with me regarding the debt.which you claim I owe. This letter is not an admission of any liability for this debt but a request for you to halt all communication concerning it.

According to my records and the relevant statutes of limitations, this debt has been charged off, and it is no longer legally collectible. Furthermore, any attempt to collect or re-age this debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

Therefore, I insist that you : 1. Cease and desist all written and verbal communication with me, my family, or my associates concerning this debt. 
2. Stop reporting this debt by all credit reporting agency and request for deletions From original creditors. 
3. Do not sell or transfer this debt to any other third party. 
4. Provide written confirmation, within 30 days of receiving this letter, that you have ceased all collection activities related to this debt. 

Please consider this letter as a formal warning that I am aware of my rights under the FDCPA, and I am prepared to take legal action if you do not comply with this request. 

I request that you send all further correspondence related to this matter, including the confirmation of cessation, and deletion. 

Your immediate attention to this matter is expected and appreciated.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I have discovered a fraudulent account on my credit report, this account is XXXX XXXX XXXX opened on XX/XX/XXXX with account XXXX, and a few fraudulent hard inquiries, these hard inquiries are XXXX XXXX  XX/XX/XXXX | XXXX XXXX  XX/XX/XXXX | XXXX  XXXX XXXX  XX/XX/XXXX, this is fraudulent information on credit report, I request this information to be deleted from my credit report as soon as possible.
Product: Debt collection

UPDATE TO CASE # XXXX UPDATE TO CASE # XXXX UPDATE TO CASE # XXXX GATESTONE & CO had 30 days to validate a debt ACCORDINGLY under 15 USC 1692g and my letter sent and have failed to validate the debt. GATESTONE & CO has instead responded with BANK STATEMENTS which is not sufficient evidence of a debt according to 15 USC 1691g and FEDERAL CASE - XXXX XXXX  FCU vs XXXX XXXX XXXX  has attempted to collect an alleged debt through obscene matters and is now in violation under 18 USC 892 for attempting to create extortionate extension of credit because a consumer credit transaction was created which comes from a FINANCE CHARGE under 15 USC 1605 where in fact is a SUM OF ALL CHARGES so any alleged debt coming from a FINANCE CHARGE is already paid for and any secondary collection on any extension of credit is fraud, obscene and in violation of 18 USC 1962 under RACKETEERING. GATESTONE & CO has failed to validate the alleged debt accordingly and IS STILL LIABLE for remedy under 15 USC 1692k and 15 USC 1644. I am willing to settle the matter one last time before matters escalate to litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2021 I purchased what I thought to be a gift card at XXXX pharmacy in XXXX, MA. I paid {$2.00} for the card and gave the cashier {$100.00} to put on the card. The cashier informed that the {$100.00} would not be accessible to anyone until the account was activated. 

XXXX transaction # XXXX ; cshr # XXXX ; STR # XXXX NETSPEND XXXX EACH XXXX XXXX CONVENC FEE Once I realized it wasnt actually a gift but instead was a bank debit account, I tried to return the card to XXXX. I was informed that gift cards are not refundable under any circumstances. 

I then tried to contact the company, Visa, directly. There are two phone numbers and a website address to contact with any questions. I was unable to reach a real person to speak with about the card. Both phone numbers provided on the card packaging would not transfer me to anyone without entering my social security number. I choose not to provide my ssn. 

This is a time sensitive issue as the debit account will start to penalize me {$5.00} per month if the card is not used. I purchased the card in error at XXXX, as it was situated with many other gift cards by he check out line. I think a fair resolution would be for the company to cancel the card without penalty fees and to reimburse me the {$100.00} purchase price.
Product: Mortgage

A loan modification packet was submitted to your office on XX/XX/XXXX. Per your office the only document needed was a quick claim deed. Several calls were made to your office and a divorce decree was never requested by your office. Your office stated on XX/XX/XXXX. That a letter was sent to our office on XX/XX/XXXX. Your office confirmed on XX/XX/XXXX that you erroneously sent the letter to the wrong address. therefore providing no notice to the client that a divorce decree was needed. Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ).
Product: Student loan

From XXXX XXXX to XXXX XXXX, I was unable to make the $ XXXX payment needed to keep my account active. XXXX XXXX and Navient reccomended at every opportunity to enroll me in forbearance and at some points told me I did not qualify for lower payments nor the public service loan forgiveness program despite working for a non-profit. I was able to learn more about the public service loan program and submitted the application and paperwork however it never arrived at Navient. Last month ( XXXX XXXX ) their stance has completely reversed and was informed of better repayment options through XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a co-signer on a XXXX XXXX auto loan for my father. It is currently showing as charged off on my credit report with a total balance of $ {$8300.00}. However, when I log into the online banking it is showing a balance of {$360.00}. I have attached a screenshot of this. I have tried calling XXXX XXXX auto to pay the balance off but they repeatedly tell me I am not authorized on the account. I tried calling around XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and every time I was told I was not authorized and they can only speak with my father. If that is the case, and this is not my account, it needs to be immediately deleted from my credit report. They are unwilling to work with me to remove it from my report or allow me to pay it. I am requesting it be immediately removed. If the account is not mine, it should not be impacting my credit. It is preventing me from qualifying for a mortgage. It's my right as a consumer to only have information reporting that is accurate.
Product: Vehicle loan or lease

I have requested to refinance. They state to go to a car dealership any to request. Also if I am 1 day late well within 30 days they will call me 5+ times a day different agents and place fees on there before 30 days has past and email me over and over.
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. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 


The inquiry was not authorized XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXXThe inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have been repaying my private loan to Navient for over 10 years and have only paid off {$2000.00} in principal. {$210.00} x 120 months = {$25000.00} paid to Navient to pay off {$2000.00} of principal. How is this legal?
Product: Debt collection

This is not a duplicate complaint. Wells Fargo has opened an account in my name and social security number, and is reporting it against me. I have notified Wells Fargo that this was as a result of identity theft, and they have ignored my complaints and have continued to claim that I owe these charges. Wells Fargo claims that I am disputing charges, but that is not at all what I am disputing I am disputing them opening the account in my name period. I have not opened a card with Wells Fargo, and I have not allowed anyone to open an account in my name. I am not merely disputing charges I am disputing them allowing a fraudulent account to be opened in my name PERIOD. I am attaching a copy of my recent police report to show that I was the victim of identity fraud where my personal information to include my drivers license, social security number were all used to provide correct information so that Wells Fargo would allow the fraudulent account to be opened in my name. 

I am providing a copy of my police report so that Wells Fargo can plainly see that I was the victim of identity theft and that their account among other accounts were opened in my name using information that was obtained as a result of fraud.
Product: Debt collection

I disputed and ask for proof of alleged debt accuracy. The debt has different amounts on credit bureaus and open dates are wrong as well would like for account to be removed because of inaccuracies of alleged debt.
Product: Credit reporting or other personal consumer reports

I am experiencing significant distress and frustration due to multiple fraudulent accounts appearing on my credit report. This situation is severely impacting my creditworthiness, which is critical as I am in the process of purchasing a home for my family. Despite numerous attempts, I have been unable to have these accounts removed. Compounding this issue is the fact that my personal information was compromised in recent XXXX and XXXX breaches. I had anticipated that my consumer report would be protected in the wake of such incidents, but this has not been the case. 

The presence of these fraudulent accounts is not only damaging to my financial reputation but also constitutes a clear violation of federal law, specifically under 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ), which mandates the fairness and privacy of consumer reports. My trust in the banking system and credit reporting agencies to uphold my privacy and ensure fairness has been severely undermined. This breach of federal consumer rights is causing me considerable emotional and mental distress.

Furthermore, it is unlawful for these companies to furnish personal information to third parties without consent. This act of negligence and fraud has been reported to both the local police department and the Federal Trade Commission. Given the severity of these violations, legal action against the involved companies and credit bureaus is a viable option for redress. The inaccuracies in your database are not only negatively affecting my livelihood but also placing me in an untenable position. I am prepared to initiate litigation if these erroneous items are not promptly rectified. Also please remove the two late payment 's reporting on my XXXX, and Transition credit repot as they are inaccurate and should be reporting all the same across all three credit reports please update and report as never late paid as agreed.
Product: Checking or savings account

I am filing to write a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged postings of charges and credits. This issue aligns with the recent CFPB findings against navy federal for similar practices, I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

Received a call on my cell phone today at XXXX am looking for my husband. We have not received any notification of this debt from the collection agency or my rights to dispute the debt. They demanded payment within the first 30 days I would assume since I have received nothing from them. I told them I disputed it and the collector states " ok so you are disputing the debt? '' I answered yes. He said " okay '' and hung up. Since that call I have received 3 more calls as of XXXX about the debt. I asked them to cease and desist from calling my number. They put me on hold, transferred me to someone else. I asked the new person to not call my cell phone again, she asked if I knew XXXX. I said yes and to not contact me again. I explained to her that she had already violated FDCPA and she spoke over me I have no idea what she said she talked so fast and hung up on me. 
I will be hiring an attorney for FDCPA violation for not sending me notice of my rights to dispute and demanding money in the first 30 days of them receiving the file. I will also have attorney file TCPA violation for calling my cell phone repeatly and not ceasing and desisting as I instructed when the cell phone they called is mine and mine alone and is in my name alone.
Product: Credit card or prepaid card

I regularly pay my card off and always pay my card on time. When I paid my card the other day for a total of {$110.00}, I received a notification that my payment had been received and posted, and the funds had been withdrawn from my bank account. Normally, I would be able to use the {$110.00} within a few business days, however the funds did not become available. I called Capital One on XX/XX/XXXX in the morning when the lady informed me that she was unable to fix this issue and that the funds were to be held until XX/XX/XXXX. I then called later, and spoke with a supervisor who then stated the same thing and also stated the reasoning theyre placing a hold on my account is because Ive paid 10 times in XXXX. She also tried to place blame on my bank stating that they havent cleared the funds, moreover I stated that the funds had in fact already been withdrawn from my account. I informed her that I always pay off my debts and always pay on time and she further stated that Capital One has the right to hold funds at any time.
Product: Credit card or prepaid card

I was charged a late fee and interest on a credit card that had already been paid twice. I had a continuing balance on a Costco Citibank Credit card. The payment due date was the XXXX day of each month. On XX/XX/XXXX, of XXXX I made a {$1000.00} payment on my balance due. On XX/XX/XXXX, I checked the balance on my card and it was {$6400.00}. Which I paid in full online bringing my account to a XXXX balance. 
On XX/XX/XXXX and XX/XX/XXXX, I incurred XXXX charges of {$620.00} and {$19.00}. And expected these charges to be billed on my XXXX statement. On XX/XX/XXXX, I received XXXX statement from Citibank with payment due XX/XX/XXXX. They charged me a {$30.00} late fee and {$11.00} interest fee, even though I had paid off my bill fully on XX/XX/XXXX, 2 days before the due date of XX/XX/XXXX. 

I called Citibank customer service, and at first the woman tried to tell me that I hadnt paid my XXXX bill, but I told her that I had fully paid my account up early on XX/XX/XXXX, XXXX days early. She told me that I hadnt paid my XXXX payment, but I told here I had paid my bill fully on XX/XX/XXXX. 
I asked to speak to a supervisor and he acknowledged that there is some kind of computer problem that if people pay a bill early, it credits the wrong month if you pay it before the due date and you are charged a late fee and interest. 
Its unfair that consumers who pay their bills earlier then the due date and make XXXX separate monthly payments instead of waiting until the next month, receive a penalty because of a computer software glitch. Consumers are needlessly being charged extra fees and interest if they pay their bill early. 

Citibank did reverse the charges once I complained, but how many consumers didnt know the are being erroneously charged late fees and interest in error if make XXXX payments in a month, XXXX at the end of the month instead of at the beginning of the monthly billing cycle.
Product: Money transfer, virtual currency, or money service

I am invested in a XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Texas. They were returning my investment via Wire Transfer from their account to mine via XXXX XXXX ( their bank ) via Chase into XXXX XXXX, where my account is- under the name of XXXX XXXX XXXX, XXXX. The original wire was made XX/XX/XXXX ( see attached IMAD # ) but the wire issuer made a single digit mistake - making the first digit a " XXXX  '' instead of a " XXXX  '' - which stopped the wire. We attempted to contact CHASE who received the wire, but repeated phone calls and emails to Chase 's wiring department went unanswered - phone calls said " because of XXXX, then hung up '' every single time. We had no way to contact them. On behalf of myself, the recipient of the funds ( {$23000.00} ), XXXX XXXX initiated a recall on XX/XX/XXXX furthermore I contacted CHASE where I have a credit card and they said they could do nothing. Since our recall, neither XXXX XXXX, XXXX XXXX, XXXX XXXX or myself have gotten no response. If we call they have a recording " because of XXXX we can't take this call or something to that effect '' - and hangup. As we approach the holidays, it's going on 90 days and it is now creating significant hardships and we see no alternative but to write the CFPB as Chase will not return my money and there is no other recourse. Please see the attached two documents that show the initial WIRE AMOUNT - the mistaken Account # ( XXXX XXXX not XXXX XXXX ) and the IMAD # of the wire made. CHASE Is holding my money and will not give it back or communicate. The recall on XX/XX/XXXX has done nothing. In addition, XXXX XXXX below ) also made a second wire for {$10000.00} I believe, which they are also in possession of and will not return. 
Please email me if questions XXXX or call XXXX XXXX XXXX XXXX XXXX - key contacts involved are below. 

Cc : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX, WA ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX
Product: Debt collection

I filed XXXX complaints with CFPB ( XXXX / XXXX Carvana ) because Carvana / XXXX XXXX not responding to our email or registered mail attempts to address our billing issues. Instead they took adverse action by sending in XXXX XXXX XXXX as their agent, to trespass onto my property and attempt to repossess the vehicle. Sheriffs were contacted and report filed ( Case # XXXX ) as the tow truck company, their agent, was caught having crossed INTO my backyard with their truck closed behind my locked gate. The XXXX made it clear to the agent, that the only property they could remove was their tow truck. 
They will likely tell you that they have resolved this matter by having someone reach out to us regarding the dispute. XXXX called and introduced herself as the agent with Carvana / XXXX. She said that she was to help resolve / address our CFPB complaints and the notice of Claim that we had sent in to legal. In my recorded conversation with XXXX, while voicing our concerns over misapplied finance charges, and asserting our rights as the consumer to mandatory arbitration before any adverse action could be taken, she advised that she was NOT with legal and could NOT advise on any of the concerns I had. She told me since their record, that I am contesting, shows that they have received " No payments '', that I should go ahead and relinquish the vehicle to the tow truck company that was illegally trespassing on my property.
Product: Debt collection

Approximately XX/XX/2020, I was fraudulently charged a higher Insurance rate by XXXX XXXX XXXX. I am a XXXX recipient and by law am allowed to opt out of certain insurance products, of which I chose to opt out. XXXX fraudulently applied those amounts, charging me a higher amount, even though I provided proof of my active XXXX status. Through their representative Caine & Weiner, they are continuing to attempt to collect this fraudulent debt and causing me greater hardship by entering this information on my credit report.