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

An unknown person from XXXX XXXX secured a credit card scammed me out of {$2000.00} on XXXX, which was not my fault. This Scammer posed as a credit card company and ended up being a fake company. I have called them 10 times to refund my {$2000.00} deposit, but they have not. Also, on XX/XX/year>, I noticed an unknown merchant named XXXX XXXX went into my account and debited XXXX out of my checking account without my permission. I filed this report with the police and the FTC. These fake companies pretended to be actual companies, but they got my personal information and used it against me. They are counterfeit companies I did not authorize to take money from my account. I called the bank and advised them of the scam. The bank stated they were going to close out my debit card and send me a new card and that the charge would not go through, but they still allowed the scammers to go into my account and take out money that did not belong to them. These companies got into my account by phishing tactics or malware ; this was how they were able to transact funds from my account ; it appeared like a legitimate charge at first. I was really leaning on my bank to help me protect my checking account information, but they failed me again. I reported this suspicious activity promptly ; however, filth third bank still allowed these fake people to take my money. This is an urgent matter that requires immediate attention. I am a senior citizen on a fixed income.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, When I was looking to possibly refinance my house I was going through rocket mortgage 's website and then a few months after notice that my credit had a hard inquiry attached. I never provided my social security number to them and it's listed as a factual data inquiry. Full details weren't provided nor did I authorize them to run any hard credit inquiry with my first and last name. I spoke with a representative XXXX and she wasn't very helpful saying that I would need to go through a multiple step process in order for them to get this taken off. I still am facing this on my credit report, without any further action being taken. I need this removed from my credit report being as I never authorized them or provided them with my social security number to run a credit check.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did n't properly secure sensitive data of unconsenting adults.
Product: Student loan

I applied for discharge from my loans through the XXXX and XXXX XXXX XXXX ( XXXX XXXX ) application. They have specific requirements the determine discharge eligibility. One, you have to be awarded XXXX benefits for a term of 5 to 7 years minimum before recertification or reevaluation ( whichever it's called ). Second, you're physician can fill out a page that comes with the application stating that my XXXX are permanent or lasting a certain amount of years. Due to issues I'd rather not discuss I have not had luck finding primary care physician in a few years. I have a XXXX but she won't sign or file any paperwork or documents unless a special appointment is made when she will go over and fill out with me to be sure we are in agreement and both understanding of whatever is being signed. This appointment is not for 4 more months and I am not sure the rules for filing another application for discharge but they denied my application despite my award of XXXX benefits beginning XX/XX/2020 ( I think, I don't remember exact ) they stated I sent wrong documentation. But that was all they sent I have like 8 letters with just that sentence. Denied due to insufficient documentation. I submitted the complete Notice of Award with statement made by administrative law judge that he has awarded my XXXX benefits and recertification date is 5 years from date I legally became considered XXXX by the social security administration. I sent the my " Notice Of Award '' which states XXXX start date and date for review 5 year later as well as what my income will be and when payments begin etc. I got the documents straight from my account in SSA Website. The same legal documents that I have used to show proof of XXXX benefits as well as Doctors correspondence with social security me disabling conditions and statement saying XXXX last over a year to whole life. I don't want to have wait 4 months for doctor appointment to fill out the one page when I legally, according to their own very specific and straight forward conditions that need to be met for an approval for discharge of the loans and I meet the criteria. I don't know what other documents I could possibly send them to prove I am XXXX and judge ruled recertification or review of my case 5 years after start date. It's simple. Their are no other requirements. I am tired of getting denial letters from agencies when, I'm someone who reads all the fine print all the contracts and all terms of service even if it's 100 pages of terms of service before entering a website or creating a new account on some platform. I know exact rules and guidelines according to their own handbook ( or PDF document in my case )
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX  Balance - XXXX XXXX XXXX XXXX  XXXX Balance {$5200.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance {$400.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance - ; XXXX XXXX XXXX Balance {$1100.00} ; XXXX XXXXXXXX Balance {$1000.00} ; XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX 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 Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2021 I made a charge for {$750.00}. From XXXX XXXX, key bank blocked my card until I verified it was myself who was making the transaction of {$750.00}. I did advised them that I was making a purchase for {$750.00}. However when I checked my statement I had a charge for {$750.00} from XXXX XXXX  along with a charge for {$53.00} from XXXX XXXX for a warranty also. I have advised key bank that I have been back in forth on the phone with XXXX trying to get them to return the {$53.00} because I did not authorize that charge nor have I received the warranty at all for the XXXX. Every time I call XXXX they say the money is going to be deposited in my account and as of todsy date neither XXXX or Key Bank have return the funds of {$53.00}. The warranty was never sent it now has a deliver date of XX/XX/XXXX the date keeps changing when I advised I didnt authority. I receive the XXXX on XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX placed the account on my credit report same name but incorrect social - its similar but not mine - so I believe it was fraudulently used. The EOS company is reporting on my report and its inaccurate and not my account. 

When I called they said my last 4 were not what they had but similar - and hung up on me
Product: Payday loan, title loan, or personal loan

XXXX and XXXX XXXX signed contract with one main on XXXX XXXX for payment for XXXX each month. One main would deduct from XXXX XXXX XXXX XXXX each month.XXXX XXXX XXXX  One main financial increase Adding insurance without having XXXX permission increased payment to XXXX XXXX didn't pay and one main charge XXXX late and extra interest because XXXX didn't know about the increase.. XXXX XXXX XXXX One main tried to deduct XXXX instead of the XXXX contract stated. XXXX didn't agree to XXXX only XXXX now one main is causing damage to XXXX and XXXX XXXX credit report XXXX and XXXX and XXXX XXXX had the XXXX in account for one main amount that was agreed upon with contract that was signed.XXXX XXXX amount owe..One main.. and not XXXX if insurance was added without XXXX agreed upon. So One main added so they need to pay .. and waive all late and late interest from XXXX and XXXX XXXX account. And XXXX and XXXX  and XXXX now.. if this continues to happen XXXX can't afford extra XXXX amount. Thanks
Product: Credit reporting or other personal consumer reports

I've noticed new inquiries that's not attached to any open accounts and would like to get them removed. They are unauthorized and they are affecting my eligibility to get funding for my business. The inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was able to resolve a past collection account and that company agreed to submit deletion request to the three credit bureaus. Transunion is the only one that not only still reflects and unpaid balance but opened account. I spoke to a representative several days ago and she stated that the request was received. I spoke with a supervisor who stated other words and wanted to have me speak to someone in the dispute dept. He stated that he saw something where the company sent in but he could not do anything. And it would be resolved in another 30 days. My credit is already jacked up because of the wrong info being reported this is bad customer service
Product: Checking or savings account

Im writing to file 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 posting of charges & credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year>
Product: Credit card or prepaid card

I noticed quite a few XXXX charges on my account. Not sure how they got there. I did remove my card off of there and closed the apple account down as well. I then called Barclay dispute line and said I need to dispute all the XXXX charges from XX/XX/2021 - XX/XX/2021. The person was nice and said there were quite a few charges and would put all of them in dispute. So a day or so goes by and I get credit for a few of them but not all. I called and the person I spoke to didn't know how to handle it and said I did receive credit. I said yes I did for a few of them but not for all of them. She wasn't sure how to go about the other ones and seemed a little lost about it. Not sure why they give credit for some but not all but here are the ones left that I didn't get credit for. 
XX/XX/2021 {$39.00} XX/XX/2021 {$37.00} XX/XX/2021 {$21.00} XX/XX/2021 {$37.00} XX/XX/2021 {$37.00} XX/XX/2021 {$53.00} XX/XX/2021 {$21.00} XX/XX/2021 {$21.00} XX/XX/2021 {$10.00} XX/XX/2021 {$21.00} XX/XX/2021 {$53.00} XX/XX/2021 {$53.00} XX/XX/2021 {$32.00} XX/XX/2021 {$53.00} XX/XX/2021 {$10.00} XX/XX/2021 {$53.00} XX/XX/2021 {$58.00} XX/XX/2021 {$26.00} XX/XX/2021 {$32.00} XX/XX/2021 {$32.00} XX/XX/2021 {$100.00} XX/XX/2021 {$21.00} XX/XX/2021 {$35.00} XX/XX/2021 {$32.00} XX/XX/2021 {$37.00} XX/XX/2021 {$37.00} XX/XX/2021 {$21.00} XX/XX/2021 {$16.00} XX/XX/2021 {$16.00} XX/XX/2021 {$37.00} XX/XX/2021 {$53.00} XX/XX/2021 {$21.00} XX/XX/2021 {$21.00} XX/XX/2021 {$21.00} XX/XX/2021 {$37.00} XX/XX/2021 {$37.00} XX/XX/2021 {$32.00} XX/XX/2021 {$32.00} XX/XX/2021 {$49.00} XX/XX/2021 {$10.00} XX/XX/2021 {$37.00} XX/XX/2021 {$37.00} XX/XX/2021 {$37.00} XX/XX/2021 {$53.00} XX/XX/2021 {$37.00} XX/XX/2021 {$26.00} XX/XX/2021 {$53.00} XX/XX/2021 {$53.00} XX/XX/2021 {$53.00} XX/XX/2021 {$37.00} XX/XX/2021 {$37.00} XX/XX/2021 {$53.00} XX/XX/2021 {$100.00} XX/XX/2021 {$32.00} XX/XX/2021 {$32.00} XX/XX/2021 {$32.00} XX/XX/2021 {$37.00} XX/XX/2021 {$21.00} XX/XX/2021 {$21.00} XX/XX/2021 {$26.00} XX/XX/2021 {$53.00} XX/XX/2021 {$21.00} XX/XX/2021 {$21.00} XX/XX/2021 {$21.00} XX/XX/2021 {$26.00} XX/XX/2021 {$21.00} XX/XX/2021 {$53.00} XX/XX/2021 {$32.00} XX/XX/2021 {$37.00} XX/XX/2021 {$10.00} XX/XX/2021 {$32.00}
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  Balance Owed : {$8200.00} XXXX XXXX Balance Owed : {$96000.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit card or prepaid card

My XXXX account had fraudulent charges on it from starting on XX/XX/2020 for {$69.00} then one for {$50.00} on the XXXX, then one on the XXXX for {$85.00} then their was 3 on the XXXX for {$69.00}, {$85.00}, {$85.00}, then 3 more on the XXXX for, {$58.00}, {$85.00}, {$100.00}, and then 2 more on the XXXX for {$85.00}, {$100.00}, and then 4 more on the XXXX for {$58.00}, {$85.00}, {$85.00}, {$100.00} then the last one was done on the XXXX for {$50.00}. So their was 16 unauthorized charges taken from my account. I contacted XXXX right away and they helped me get a new card and password reset and then they submitted the form for those fraudulent charges. The lady on the phone said that i would be receiving the money back within 10 days. I hadnt heard from them or seen any changes to my account so I called them again and they said it would be resolved and it should be on my account on XX/XX/XXXX. However, I ended up getting a letter from BNY Mellon saying that they have investigated the charges and they determined that those charges were valid. Which is wrong! I had these charges also taken out of two of my other accounts with different credit unions and they said they were fraudulent and they gave me my money back. So i have tried to get a hold on BNY Mellon several times even leaving messages and havent heard back from them and i think this is wrong and vert unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Collection Service # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of my credit report.
Product: Debt collection

I received a call and before I could ask who's calling they ask to confirm my information ( which is always a lil suspicious to me ) so I told them all I can confirm is my name for purposes of avoiding scams. They first told me they are a mediation agency calledXXXX XXXX XXXX asking for a response regarding a previous loan taken out. I told them I don't recall taking out a loan recently and they told me this was back in XXXX  and the debt has actually been XXXX  to Dept. of Banking and Finance due to an XXXX violation. I can't find much info on what that is but basically an attempt to fraud the company by intentionally not paying back the loan. I said I can't confirm this loan is mine because I don't recall getting or requesting a loan within the last 10 years. They had my old employer info, my previous address and last 4 of my social. Whether this company is Legit or not is one issue, but they also threatened that if this doesn't get resolved that it will have to get reported to XXXX as fraud then I'd had to pay back via garnishment. 

They used a lot of legal jargon that made no sense to me like I'm " giving up my right of voluntary restitution '' as if they are a victim and I committed a crime. They called my mother and left her a voicemail which is concerning because they apparently have her current address. I asked for a notice from the debt collector because I can't share any information until I know the details of this debt. The Manager of this agency told me it's actually not in collections anymore this has been changed to a " federal case '' which is why they're calling me for a response on how I'd like to proceed. I asked for proof of loan because I don't know what they are talking about for me to provide an answer. She emailed me a generic correspondence that just had what they claimed to be the original debt amount ( {$1800.00} but was told over the phone that it has increased to {$3800.00} ) and demanded a response within the same day. They have a lot of personal information for a company that might not be legitimate and if I did take out a loan it's way past the amount of year agency have to collect. They said apparently my case doesn't fall under that rule because of the claim of trying to fraud loan company.

They need to provide me with proof of the original loan application, An itemization of the current amount of the debt that reflects interest, fees, payments, and credits up till this point in time.

Additionally, they need to provide details on why the debt collector believes I'm responsible for the debt, how old the debt is, and whether the agency is licensed to collect it or even mediate collecting debt.

The document I have is an email correspondence from the Manager that she sent when I asked for verification of the debt. I was expecting an official document with some sort of Letter Head and Title stating this is a Debt Validation notice but that's what she sent and then hung up on me as I'm challenging the lack of information in the email.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is still someone else on my credit report by the name of XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to inadequate services and unfair practices, which violates the Consumer financial Protection Act ( CFPA ). Specifically Cash App failed to take the timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these volitions.
Product: Money transfer, virtual currency, or money service

I have an account with Crypto.com, which is a digital currency exchange. They offer a visa debit card which you can use to pay regular merchants with digital coins. 

In order to apply for the card you need to stake around $ 400s worth of XXXX, which is Crypto.coms in-house digital coin. Staking is analogous to a Certificate of Deposit in traditional banking. In exchange for a certain interest rate, the consumer agrees to not withdraw a given sum of a certain digital coin. I understand how that works fully. 

I wanted to apply for the card, so today, XX/XX/2022, I agreed to stake XXXX XXXX ( equivalent to {$360.00} ). Immediately after doing that, I got a screen that said that the XXXX card was not available where I live ( XXXX XXXX ). The only reason that I went through with the staking transaction was because I wanted the card, only to find out that I had tied up {$360.00} for nothing. 

Customer service could not assist me. They pointed to the terms and conditions of the staking transaction without taking into account the whole context of how and why the staking occurred. They also indicated that the full terms and conditions for the card stated that it was not available in the XXXX XXXX XXXX. 

Be that as it may, I believe the way that the visa section of their app is designed is deceptive and predatory. Why would they even let customers that are ineligible from the outset due to external circumstances apply ( i.e. locations ) and make the staking commitment for that sole purpose? They had my physical address as part of their KYC procedures and have access to my IP address. Why did their app not prevent me from doing that like many other digital currency apps do and they do for other products? 

I think that the only answer is that they seek to unduly benefit from customers staking their native/asset by any means necessary, including by pulling a bait and switch. Apart from the obvious benefits of having the staked currency ( much like the case of the traditional bank with the CoD ), staking also increases the market cap of their coin, which is a key metric when evaluating digital assets.
Product: Credit reporting or other personal consumer reports

I Am a Natural person, I am a living being, I have rights under XXXX XXXX XXXX Equifax is Govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because. 

According to15 USC 1681 : I have rights to privacy, and I did not authorize Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX  XXXX {$300.00} XXXX XXXX XXXX XXXX {$96.00} XXXX XXXX XXXX {$380.00} XXXX  XXXX {$370.00} XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX was when i reached out to request for a 1099c i was told that it had not been filed yet and still have not heard back from Exeter finance LLC regarding this matter in the amount of this {$12000.00}.
Product: Mortgage

My mortgage was sold to  Nationstar  recently from  XXXX . Immediately  Nationstar  began mishandling my loan. I immediately asked for an amortization schedule on my loan so I can compare with previous ones from  XXXX  to validate that my loan transferred correctly and no further mishandling could occur. A supervisor at Nationstar then provided me with a falsified report. I then move up the ladder to the current supervisor who has promised me an amortization schedule for well over a month. My  XXXX   XXXX  17  payment is now due and will soon be late, yet I still do not have anything that can assure me that  Nationstar  has transferred my loan correctly. I have a significant amount of emails to support my position.
Product: Debt collection

Credence keeps calling but does not verify the debt, just keeps calling even when asking for verification and they contact others about debt. They do not send verification or anything, and they keep calling from all sorts of numbers. I only know since the spam id verfies them.