23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

According to the FCRA, I have the right to dispute inaccurate information on my credit report. I have attached supporting documentation, showing my contact with the credit reports which demonstrates the inaccuracies of these accounts. The accounts were removed to be placed back on my report once again. In addition, XXXX XXXX XXXX has been harassing me by phone during work hours. I do not have a contract with XXXX XXXX XXXX under acct # XXXX. This account was under XXXX XXXX XXXX last and is now back on my report under XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX was also removed and is now back on my report since my last complaint. Both XXXX and Equifax had a breach of security in which I was involved and I did not receive any compensation.
Product: Payday loan, title loan, or personal loan

TOOK OUT A LOAN WITH EASY MONEY IN XXXX TN, FOR THE FIRST COUPLE OF MONTHS NO PROBLEM BUT WHEN I INCREASE THE LOAN WERE GETTING DOUBLE INTEREST CALLED CUSTOMARY INTEREST. SEVERAL PPL COMPLAINED AND THE DISTRICT MANAGER WAS SUPPOSE TO CREDIT SOME OF THE CUSTOMARY INTEREST. PER CORPORATE AT XXXX WAS TOLD THEY HAD NOT BEEN ABLE TO GET IN TOUCH WITH HIM. TALKED TO XXXX ABOUT THE SITUATION AT CORPORATE WHO TRANSFERRED ME TO XXXX A DEPARTMENT TO HELP PPL WAS TOLD BY HER SHE WILL CALL ME BACK NEVER RECEIVED A CALL. WAS CALLED SEVERAL TIMES BY XXXX FROM COLLECTION WHO DID NOT READ THE NOTES ABOUT THEY WERE STILL WORKING ON MY ACCOUNT. TOLD HER THEY WERE WORKING ON THE ACCOUNT TALKED TO THE XXXX DEPARTMENT AGAIN SAID TO WAIT ON MAKING A PAYMENT UNTIL THEY SOLVE THE PROBLEM. TALK TO THE COMPANY AGAIN XX/XX/2019 WERE TOLD THAT THE DISTRICT MANAGER REFUSE REALLY AND HE HAS HELP OTHERS. THIS IS NOT RIGHT AND PLEASE SOMEBODY NEEDS TO KNOW THERE JOB THANK YOU
Product: Credit card

XX/XX/XXXX XXXX my credit card was fraudently charged by XXXX XXXX and XXXX  in the ammount of {$3500.00}. Bamk of America recognised {$1100.00} of the fraudelant charges and credited my account. They did not recognise {$2400.00} of the remaining fraud charges as follows : XX/XX/2023 XXXX {$1000.00} XX/XX/2023 XXXX XXXX {$470.00} XX/XX/2023 XXXX XXXX {$980.00} XX/XX/2023 XXXX {$1000.00} XX/XX/2023 XXXX XXXX {$470.00} XX/XX/2023 XXXX XXXX {$980.00} Charges were identical on the same day and same time to people and countries i never made or authorised
Product: Mortgage

I had several major medical complications in XX/XX/XXXX with three hospitalizations ; and with my husband having to take time away from work and major medical bills the expenses really started to affect our ability to stay up to date with our mortgage. I applied for a mortgage modification with Mr.Cooper and they decline despite the fact that all required documentation was sent to them. I decided to accept a payment plan.The plan stated I would make 3 payments in the amount of {$1700.00} from XX/XX/XXXX to XX/XX/XXXX. We made all three payments as agreed. The terms of the agreement stated that once we completed the payment plan our mortgage would be current and we would continue making our regular monthly payment of {$1000.00}. The problem is that the Mr.Cooper did not keep their end of the agreement and upon completing the payment plan we continue to receive statements stating the payment due is {$1600.00}. This amount includes {$210.00} in fees that according to the plan should not have been assessed. I have made multiple attempts to resolve this issue with the lender with no success. In my last call I was told a case was opened to investigate the issue but over 4 weeks have passed and I never received a call back or any communication. In the meantime the lender has continued to send us harassing letters stating their intentions to take our home.
Product: Student loan

I have several loans in ibr with Navient. I was told that two of my loans do not qualify for Ibr and wont be part of the ibr forgiveness in 25 years because my income is too high. My loans  are also split up and being paid off in increments instead of a whole. So some of them will likely get paid off before the 25 year mark instead of the entire debt being forgiven at 25 years. Until I spoke to the customer service I had no idea that it was not counted as part of my total debt and to the IBR calculation
Product: Credit reporting or other personal consumer reports

TransUnion is reporting unauthorized hard inquiries on my report. These are the inquiries, that are not mine. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Someone is applying and putting hard inquiries in my name and I would like them removed.
Product: Credit reporting or other personal consumer reports

I have a fraudulent account on my credit report, which I reported it to CITIBANK CBNA, yet CITIBANK CBNA is not removing this fraudulent account. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt. The following is the fraudulent account : XXXX XXXX XXXX XXXXXXXX.
Product: Credit card or prepaid card

I bank with chime bank over 5 years now. I noticed last week I had a transaction that I did not do with XXXX when checking my account. I ordered food for my kids that night and went to sleep and woke up noticed last night a XXXX was also ordered and then more transaction that morning trying to go through.Thank goodness I locked my card because I still have my card in my purse. I do a lot of online purchases and save my card to my online accounts. The fraudster also tried to use my card at XXXX, XXXX and XXXX again but luckily I locked my card so they all got declined. I contacted my bank once I seen my card declining purchases. I was making sure my card wasnt being used in my brother XXXX account and mine no purchase was from XXXX on XXXX so I knew my card been comprised probably online. The agent at the bank was questioning me and putting me on hold while I tried to do the dispute and I can tell he thought I was lying. The transaction was only XXXX dollars and thankfully I locked my card in time so those other transactions didnt go through. The bank closed my dispute literally less then 24 hours and said it was not fraud. I am upset I basically lost money from a fraudster and my money in my account so not safe because if someone comprises my information again somehow I will not get the money back.I called this morning to submit a complaint or feedback because my dispute wasnt investigated just closed because I know the agent thought I was lying for XXXX dollars. The agent told me she can only notate my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and if we cant help customers because of policies and procedures we take the customer complaint and feedback at least Chime makes me feel like they are not a real safe bank to use I never had any problems until now with this bank I really loved them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX in XXXX XXXX continues to incorrectly bill me for procedures. XXXX XXXX XXXX XXXX has paid this bill and I do not owe any payments. They have repeatedly submitted fraudulent bills to me and now it is on my credit report. XXXX did a full review of my accounts and everything Ive owed had been paid. Ive had this recurring issue with XXXX XXXX and XXXX XXXX XXXX since moving to XXXX XXXX. Currently I am being harassed by Senex for {$300.00} that I do not owe. Ive disputed it and they do nothing about it. XXXX and XXXX XXXX have communicated but XXXX XXXX still sends fraudulent bills to me and the credit agencies..
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico  has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

Judgment group {$4900.00} is the amount of money that was taken from me. they wage garnishee me. 
They have the wrong person. 
XX/XX/2022
Product: Checking or savings account

I been overseas for the past 2 years and navy federal have charged overdraft fees for every overdraft that occurred for the past few years and I never received the reimbursement. I also encountered problems in XXXX when navy federal system had a glitch and what my balance was reflecting was not the actual balance and XXXX days later the system would work then I would have a negative balance of {$1500.00} or more so getting paid being in the XXXX XXXX  it was basically going to the negative balance to clear it out. It wasnt the first nor XXXX time that has happened.
Product: Payday loan, title loan, personal loan, or advance loan

I canceled Earnins access to my bank account and debit card XX/XX/XXXX through my bank. I still had charges to my account XX/XX/XXXX and contacted earnin support through their chat and revoked authorization and all access to my accounts. The initial support person told me that I would need to wait to see if the charges clear, then come back to ask them to be reversed. The charges cleared XXXX, and I chatted with support again. They then said that I would have needed to contact them 2-3 business days before my payday to revoke authorization, which is different from their printed policy. They then said that the charges did not clear since Id already revoked access and that they did not have the money. I contacted my bank again and they informed me that the charges did, indeed clear. I returned to chat again with Earnin and they continued to say that the charges did not clear. I contacted them again XX/XX/XXXX and they said that the charges did not clear and that the bank probably reversed the debits. Not true. I contacted them again today and sent the requested proof that the charges cleared and my account balance, as they still denied such. Then, I was told that they could not refund because the debits cleared successfully. There is no record that they have the money, because they did not update activity on the app at all after I revoked authorization, even though they received 3 debits. The debits in question are : {$88.00}, {$130.00}, {$160.00}. Since this has happened, I have learned that this is a predatory practice that is designed to trap consumers in an endless cycle of debt with muddy policies that seem to change depending on which representative you speak with.
Product: Debt collection

On XX/XX/XXXX I received an email stating that I had a payment due on a loan from a company name XXXX, phone number ( XXXX ) -XXXX-XXXX. I did not apply for a loan, saw no Credit Bureau inquiries, no loan is appearing on my Credit Bureau and did not receive any unexpected deposits to any account. I immediately responded to the email notifying the company that I did not apply for the loan and that it was fraud. On XX/XX/XXXX they acknowledged my reply and told me to fill out a Police report and forward it to them. On XX/XX/XXXX I responded that since I have no knowledge of the company, the alleged loan or any other details other than an email requesting payment, I would not be submitting a police report. For all I know the email was a fraud attempt. They have stopped responding via email but are calling me requesting payment. I called and spoke to an associate today XXXX and was again told to fill out a police report. I again told them I don't have any information to put into a police report. They stated the police report was required to proceed. I informed them that I would expect them to file a report since they are the victim who suffered a loss. I offered to sign a document stating I did not apply for a loan. They did not accept that offer and I asked them to stop calling me.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX Dear CAPITAL ONE I am writing to formally dispute an inaccurate entry on my credit report. The account with CAPITAL ONE and account number XXXX. This inaccurate reporting is negatively impacting my credit report. 

I am requesting that the Consumer Financial Protection Bureau investigate this issue and ensure that the account status is corrected. As per the Fair Credit Reporting Act, if the information is not corrected, the account must be removed from my credit report. 

I would appreciate your prompt attention to this matter and kindly request that I be informed of the steps taken to resolve this issue. 

Thank you for your assistance.
Product: Money transfer, virtual currency, or money service

In XXXX of 2020, I opened a CoinBase account and invested {$1000.00} in Bitcoin through their platform. I got a new phone number about four months ago and have been unable to verify my identity through their two-step authentication process, so they disabled my account. We've tried submitting at least five " help tickets '' to get it resolved, and in each one I've offered to verify my identity by any means possible. It has only resulted in them sending us instructions that do not work at all, to which they " close '' the tickets as if they were resolved even though I respond to their " did we resolve your problem '' email with a definitive no. I've offered several methods to confirm my identity and haven't talked to a single real person and it's very suspicious that they're intentionally not letting verify my account so they can keep charging me fees for being on their platform with the hundreds of dollars I left in the account without me being able to do anything. I've read on online forums that CoinBase does this to hundreds of users by other first hand accounts. I've been denied access to my funds for nearly 5 months now. 

Here 's the most recent email word for word they sent me as a response to my most recent attempt : ( HEADER : Case # XXXX XXXX Phone number changed. I can verify my identity any way necessary ) " XXXX XXXX, Thanks for your patience while we looked for your email. It appears you have another account under the email : XXXX. For your security, were not able to provide the entire email. 

You can try using the email provided above to sign in to access your account. If you forgot your password, youll need to reset your password. You can follow the link below to do that : XXXX XXXX XXXXXXXX  Once you've signed into your account and recovered your funds, the account will need to be closed to comply with our policy of one account per person. 

Regards, XXXX XXXX '' We gave them the benefit of the doubt, tried logging into my father 's account, scrutinously searched every possible page within the account and found absolutely nothing related to another account being linked or anywhere that gave me the option to view or access my funds in my personal account. Yet another superficial response to a desperate help ticket.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 card account opened at XXXX on XX/XX/XXXX Account number ( XXXX ), an personal credit card account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ), an auto loan account opened at XXXXXXXX XXXX XXXX XX/XX/XXXX Account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( XXXX ) 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: Credit card or prepaid card

I opened a dispute with Comenity Capital Bank on XX/XX/22. I recently received an incredibly vague letter from them on XX/XX/22 referencing the dispute in question. However, they failed to provide me with the Dispute ID associated with the investigation. I immediately reached out on XX/XX/22 to request this Dispute ID. It is now XX/XX/22, a full XXXX days after I initially requested the information and they have been giving me the run-around, even after multiple follow-ups. This is unacceptable. I need this information to track the progress of or provide evidence for the dispute. They keep telling me to call, but it was a failure on their part not to include it in the original letter, and I really dont want to sit on the phone for hours on end just to receive a piece of information they should have sent me. I have included a copy of the letter and sampling of the responses provided to me by Comenity Capital Banks XXXXXXXX XXXX XXXX XXXX.
Product: Checking or savings account

I am 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 and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initialy available funds. I believe there practices are unfair and request an investigation into my account transactions.
Product: Debt collection

I have requested several validations and they have not sent the requested information. Also- they are not licensed to collect any debt in my state, so what they are doing is completely illegal.
Product: Checking or savings account

On XX/XX/XXXX, I transferred {$1000.00} from my XXXX ( XXXX XXXX ) account into my Credit Karma Save account. After a few days, ( around XX/XX/XXXX ) I reached out to find out why my funds werent received. I was informed it takes about 7-10 business for everything to clear. Around the the XXXX of XXXX the funds had still not been received so I contacted my XXXX XXXX and filed a dispute for the missing ACH transfer. They begin an investigation and credit my {$1000.00} back to my account. Then on the XXXX and XXXX of XXXX, I was informed from Credit Karma that my account ( Spend & Save account ) had been locked despite the issue being resolved when XXXX contacted them due to their investigation. After a series of phone calls and emails to the member support team, I was unable to actually speak to any department who was able to help shed light as to why the account was locked or even a time frame to resolve the issue as these funds are for emergency purposes. Any call resulted in dismissal to the issue and was refused multiple times to speak with a supervisor or anyone from management. The answer given was just that this will be escalated to a higher team, please be on the lookout for an email which after I was requested to submit my government license and XXXX  statement almost TWO WEEKS AGO, there has been no correspondence from anyone at this supposed higher escalation team. As a last resort I contacted the partner bank ( XXXX ) as they are partnering with Credit Karma and just this morning I received an email saying that yet again my case was submitted to Credit Karma member support team. Its extremely frustrating to not have anyone to help resolve this issue especially when its your funds being withheld without proper explanation and the constant dismissal is appalling!
Product: Debt collection

I have a a unverified account from PORTFOLIO RECOVERY. I had previously disputed this account. I have never done business with PORTFOLIO RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that PORTFOLIO RECOVERY provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PORTFOLIO RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX