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

I had an online checking/spending account with Dave/Dave.com - it's a mobile app that also has a checking account with a debit card. I used my Dave checking and debit card for most of XXXX, up until they closed my account around XXXX, XXXX, for NO reason and without warning. I still had money in my checking account but was obviously not allowed to use my debit card and get the remaining funds from my account. Dave also would give you advances based off an algorithm that calculated your spending, gross income deposits + misc deposits and numerous other factors, I'm sure. Any advance that I requested was ALWAYS paid back on time, so yet another reason why I was shocked when they closed my account. 
I submitted several emails to their " Support '' inbox but responses were definitely system generated and they always covered their own XXXX  with the responses - ultimately I got nowhere so I left it be. These past few weeks and for most of XXXX so far, I have been taking serious control of my finances and all that's associated with that, so I reached out to this despicable excuse of a customer support email again, SAME response, which I have copied and pasted below for your review and for the complaint. I also tried calling several times to speak to an actual human, but the system picked up my phone number and just told me that " my account was closed '' and did not let me speak to a Representative. I did nothing to deserve a sudden closure of my account and abided by all of their rules and all I am trying to do is get my account opened back up or at the very minimum get my money they stole! I've been in banking for my entire adult career ( Started in XXXX as a Personal Banker at XXXX XXXXXXXX XXXX  ) and I am still in the Finance Industry to this day - I know what customer service is and I know this is the complete disregard for customer service. Not to mention, they have stolen from me and they want you to think they're donating money to charities with their fees they charge... really makes me wonder if that is remotely even true with how they treat their customers or former customers. These companies are handling your financial and personal information and they can't even talk to you on the phone and all you get is automated responses via an email thread for their Customer Success team??!! I am outraged and will not stand for this any longer- I am done being taken advantage of by companies like this and getting ignored. Please see below email response from their so called " Customer Success Team. '' Comical and asinine... 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, Dave has closed your account. 

Per the agreed-upon terms linked below : Dave may terminate this Agreement at any time without notice, or suspend or terminate your access and use of the Mobile App, dave.com or the Services at any time, with or without cause, in Dave 's absolute discretion and without notice ..XXXX XXXX XXXX XXXX  At this time we are unable to provide further information nor are we able to provide further services. 

I apologize for any inconvenience! 

Dave 's Friend, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My account XXXX XXXX/XXXX  was paid on the agreed terms and was never late. However, Equifax still has not removed the 30 day late being reported on XX/XX/XXXX. Equifax is reporting inaccurate information on my credit file. On XX/XX/XXXX, I requested Equifax to verify this 30 day late and to send me the name, documentation and the exact and specific procedures they used to verify this late payment. I only received a generic letter response. I sent them another letter on XX/XX/XXXX and they still have failed to provide this vital information. And I still have a 30 day late on my credit file.
Product: Credit card

Getting a new kitchen from XXXX was nothing short of a nightmare. They don't even send all the items they include in their own packing lists, so I saw myself with my old kitchen gone and unable to build a new one due to missing XXXX parts for weeks. 

I closed the XXXX card I had opened to pay for the project but received a statement from XXXX showing a credit of {$270.00} on XX/XX/XXXX. I've been calling them since XXXX, but the promised check never arrives. Can you please, please help me out?
Product: Student loan

A full explanation is to be found in the attached correspondence, which was sent to FedLoan Servicing directly, however, please accept this summary. In XXXX FedLoan Servicing confirmed that my employer, the XXXX XXXX XXXX, was a qualifying employer under the XXXX XXXX XXXX XXXX program. They confirmed this several additional times via annual recertifications. In XXXX, nearly five years into what would have been a 10-year repayment schedule, I received a letter stating that they had certified my employer 's eligibility in error and were retroactively withdrawing credit for all of the qualifying payments I had made to that point. 

I made career and repayment decisions based on the certification of my employer 's eligibility and planned on loan forgiveness after making 120 monthly payments. As a result, I worked in a XXXX XXXX XXXX and earned less income than I might have otherwise. I also participated in the recommended repayment program and made lower payments, which resulted in interest adding to the balance of my loans faster than I was repaying them. 

This exact issue was litigated by the XXXX XXXX XXXX, which prevailed on the basis that the Department of Education had harmed borrowers and violated the law. I sent a formal appeal letter to FedLoan Servicing describing the situation and the harm they had caused me but was sent a form rejection letter. Upon calling to discuss the matter further one of their customer service agents said something to the effect of my letter being " bla bla bla. ''
Product: Mortgage

Most of the problem is explained in the enclosed letter, but the woman that I talked to at the consumer protection bureau said I could ask to have the escrow waved since I am having so much trouble with it. 

I would rather pay my own taxes and insurance myself and save the hassle of the bank paying it for me! 

The only thing that Wells Fargo paid for me in XX/XX/XXXX was my property tax, I paid for my XX/XX/XXXX Home Insurance myself.If you'll notice from XX/XX/XXXX to XX/XX/XXXX they had me in a shortage of XXXX from lender placed insurance that they placed on me in XX/XX/XXXX, but I had insurance in XX/XX/XXXX that I paid for myself.I told them this and they acknowledged that I had insurance in XX/XX/XXXX, but somehow I don't think they wiped out that shortage off my records.I think they made a mistake and they don't want to correct it.You will find this in the bank explanation letter.I want to know why I started out with a shortage of XXXX in XX/XX/XXXX. I want to know where they came up with that amount.

I just went to an accountant and she told me that the {$2300.00} in the XX/XX/XXXX statement was interest accrued on the XX/XX/XXXX lender placed insurance that Wells Fargo put on me and dos n't want to fix. So I think that's where the mistaken was made.
Product: Credit card

I 've had my Best Buy Credit Card for several years, including through several bank switches. Some time in XXXX 2012, I was signed up for debt protection, which I never requested. I never noticed since I typically paid off my debts immediately. However, over the past 2-3 years I have been leaving a balance on my card. When finally deciding to to pay off the entire balance, I noticed I had been getting {$10.00} debt protection fees this entire time. I contacted BestBuy who told me to call this special debt protection number. I called them and they canceled. However, they could provide no details of when I " opted in '' other than a date. I asked for reimbursement. They told me it would take 30 days for a " decision. '' However, they offered to email details of my opt in. 

After 30 days we called to find out the decision and was told that a decision had not been reached, but we should receive something in the mail shortly. We never received a decision and never heard back. It has been 90 days. I received the letter regarding my opt-in and it was only a letter specifying the date, which I was already informed months earlier. We are still unable to get anything done through this debt protection company and credit card arm of BestBuy has no interest in this.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Affirm Inc # 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 an account without my written instructions.
Product: Credit card or prepaid card

Reopon Complaint XXXX US Bank was notified within 60 days via XXXX in several exchanges : XXXX XXXX. 
U.S. Bank Email Operations Department [ THREAD XXXX ]
Product: Credit reporting or other personal consumer reports

Once again, this is my third and final attempt. I am a victim, identity, theft, and right to dispute this information. My file result from the crime I have repeated and reported this information over and over again. I was incarcerated when this fraudulent and inaccurate and negative account was issued. I have had this account erased properly and proven to the other consumer reports and credit bureaus and I have had no problem getting it taken care of however, these two companies XXXX and XXXX XXXX XXXX XXXX will accurately investigate and properly remove these fraudulent accounts.

Required section of fair credit report, USC 1681. Im requesting that these items immediately be removed.!

Is derogatory and fraudulent on my credit report because it is also illegal. 

XXXX XXXX XXXX XXXX Closed account XXXX Charged off XXXX XXXX  Immediately remove this please its immaculate fraudulent and not to mention That I have also provided the collection company letter for XXXX XXXX XXXX that was sent to me telling me that they are ceasing in assisting and that I am no longer responsible for this because it is not mine and Why would the collection company of the original creditor XXXX XXXX  cease in the Immediately stop collecting and your company will not. I am done asking XXXX XXXX  to immediately remove this fraudulent account from my report or I will be taking action because my fair credit report laws are being violated and it is affecting me negatively. Thank you.

I have provided the companies with the FTC report. The
consumer finance protection bureau reports I have complained. I have provided police reports now I have also provided the letter from the company that ceasing the assisting, which is the collection company so why would the original original account account not get erased make it make sense Transunion?

I also immediately want my information erased from these companies database because it is negatively affecting me from future accounts and future reputable relationships with these companies because I am negatively in their database, which is unacceptable because it is not my fault and I have amazing credit and I pay my bills and this was not opened by me and is fraudulent and I deserve the right to have it removed immediately. Also, I want removed negatively from your database so that I may one day ask or get granted credit in the future, thank you
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax continue to report inaccurate information on my consumer report. There are several inconsistencies on my consumer report. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Payday loan, title loan, or personal loan

to whom may concern, i never opened a kickoff account get help with my credit score. if possible i need this credit taking off my credit report.and have a boost to my score for this matter that also took my score down a lot of points...
Product: Credit reporting or other personal consumer reports

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/scrub>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

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XX/XX/2014
Product: Credit reporting or other personal consumer reports

I am requesting a formal debt validation request, sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g, Sec. 809 ( b ). In accordance with my rights under 15 USC 1692 ( e ), which prohibits false, deceptive, or misleading representations in debt collection, I dispute this debt and request validation through the following documentation : 1. A complete and detailed explanation of how you calculated the total amount you claim I owe, including all interest, fees, and other charges.

2. A complete accounting of all money paid or credited to this account, from the initial statement showing a XXXX balance through the final statement from the original creditor. This should include : o All payments made o All interest charges o All fees assessed o All other charges or credits 3. The exact date of the last payment received on this account.

Under the FDCPA, you are required to cease all collection activities until you provide the requested validation. Any collection attempts during this validation period violate the FDCPA, Section 809 ( b ).

.Account Information - XXXX XXXX, account # XXXX
Product: Debt collection

On XX/XX/year>24 I was emailed that unusual activity had occurred on my PayPal account. My ex was collecting money from my PayPal. I kept getting charged an overdraft fee and had to pay most of the money he overdrafted my account. PayPal was not helpful. They said they fronted me the money and that I owed it back. I was already paying the over draft fees and upward of XXXX XXXX They continued to over withdraw my account and transfer from my savings without my permission. They continued to harass me for the remaining XXXX $ which I should not owe as it was a result of fraudulent charges. Now they have sent me to collections I guess. I have XXXX credit score and have never been late on any payments owed to any company but I should not be charged and in fact they should be paying me the money they fronted to my ex.
Product: Money transfer, virtual currency, or money service

Ive had about {$1500.00} in sell transactions that I was scammed out of. For an online class, for a tax service, and other miscellaneous transactions.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1600.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$510.00} XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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. 
Premier auto credit account XXXX Open XXXX closed XXXX Balance XXXX XXXX XXXX XXXX Original creditor Balance Balance updated PREMIER AUTO CREDIT {$11000.00} XX/XX/XXXX Have duplicate accounts on my credit report, I have no knowledge of this account and XXXX XXXX XXXX of a 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 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

I send this complaint to inform you that this is the several time I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account not later than 4 business days after the XX/XX/XXXX. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is to notify you if you do not BLOCK OR REMOVE the listed account on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance.
Product: Student loan

I have been paying loans for almost XXXX years and am trying to get a better grasp on my debt. I have reached out a number of times to Navient to try to understand a few things that don't seem to make sense or aren't shown on the website, but their explanations are vague and sound like the customer service is making up explanations or just dodging the questions because they don't actually understand. The calculations for how my payments are going to the interest and principal don't make sense - the math as they show it on my account history doesn't align ( the way it appears, a portion of my payment is disappearing each month ), and they have not had an actual explanation for it. My account shows like it has been going in an out of overpayment and huge charges are being added but only the explanation I received was " we have had some changes in our system. '' I asked for detailed information about my loans and the interest accrued and projected, how my graduated payment plan works and how the interest is affected by it, but was told they do not give that information. I had to actually explain how loans work and what I understood about my payment plan because the woman I spoke with did not understand. She wasn't even familiar with most of the common loan terms I was using in trying to get information. I asked to speak with a specialist or someone who might have more knowledge and she put me on hold temporarily, but came back and told me she was going to send me a loan document that explained everything. I received it the next day and it contained none of the information I was trying to get - it showed only my initial balance and current balance. I legitimately felt like I was being taken advantage of and that there was something unfair going on which was why they were refusing to explain the things I was asking or provide the information. Given that they are managing such an important issue, it is unacceptable that there should be so little clarity with their customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter certified back on XXXX XXXX making you guys aware of fraudulent information being reported on my consumer report. I received a response that the letter was not coming from me!! Listen my personal information was exposed in a Data breach and I believe it has gotten into the hands of the wrong person. After checking my annual credit report AGAIN I still notice fraudulent names, addresses, incorrect Social Security numbers, inquiries and accounts that were not transactions made by me. This needs to be deleted immediately!!