23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I periodically receive emails from Paypal saying that they are updating their legal agreements and informing me that I am agreeing to be bound by their updated terms unless I close my account. I no longer wish to use their service anymore, so I want to close my account and delete my data. 

However, when I try to close my PayPal account, I receive a message that I can't close my PayPal account. I have attempted to contact customer service about this multiple times, but no one has been able to resolve my issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX NAVIENT 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 NAVIENT 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  The following accounts are being incorrectly reported by delinquent date. The original delinquent date is more than 1 year prior, making this account ineligible to be reported. I demand it be removed from my account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request in response to a letter I received from Equifax Credit Bureau that they wont process my request to dispute inaccurate information in my credit file. The information Im disputing is INCORRECT & I NEED THESE MATTERS HANDLED IMMEDIATELY. I do not recognize the information listed below and I request that Equifax Credit Bureau must investigate and delete these fraudulent Items. 
XXXX XXXX XXXX XXXX XXXX, WA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ; XXXX XXXX XXXX : {$880.00} ; XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX ) XXXX Balance {$810.00} ; XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX XXXX XXXX Balance : {$29.00} ; XXXX XXXX ( Original Creditor Name XXXX XXXXXXXX XXXX ) XXXX  Balance : {$560.00} ; XXXX XXXX  ( Original Creditor Name XXXX XXXX XXXX XXXX XXXX Balance {$630.00} ; XXXX XXXX ( Original Creditor Name XXXX XXXX XXXXXXXX ) XXXX  Balance : {$190.00} XXXX XXXX XXXX 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

The following accounts are fraudulent, unauthorized and not mine : XXXX XXXX XXXX/XXXX XXXX credit card account : XXXX, and XXXX XXXX XXXX credit card account : XXXX. I never applied for the accounts, so the accounts are fraudulent, unauthorized and dont belong to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX and XXXX & XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX aXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX & XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Auto Financing Companies XX/XX/XXXX XXXX XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX Companies XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX
Product: Checking or savings account

I have contacted US bank several times now regarding me getting sick and being hospitalized, which makes me unable to work and get money into my accounts. I need to catch up with my bills, and it's impossible to clear the balance. I have gotten numerous overdrafts and or returned check fees and am looking for some assistance with the charges, please. I have XXXX children and I'm trying to make ends meet until I'm back at work. Customer service has not helped.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which is caused severed XXXX upon and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15. U.S Code 1681 e ( b ) and 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were % 100 accurate under 15. U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure.
Product: Student loan

Loan was made in XX/XX/2008 for {$8200.00} current balance is {$8500.00} we make the payments every month {$100.00} it seems that it will never be payed off. the interest rate is 11.75 % variable
Product: Payday loan, title loan, personal loan, or advance loan

Account Name - KIKOFF LENDING , LLC Account Number - XXXX Reported balance - {$35.00} Date reported - XX/XX/year> I asked the company to provide me with my hand written signature of proof. And they failed to do so.
Product: Debt collection

I am writing to file a formal complaint against National Credit Adjust for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ). Despite my attempts to address the issue directly with the agency, the following violations have remained unresolved : XXXX. Unauthorized Debt Acquisition : National Credit Adjust acquired debt from the original creditor, XXXX XXXX, without obtaining my explicit consent. As per the FDCPA, it is illegal for a collection agency to acquire and pursue debts without the debtor 's consent. 
XXXX. Failure to Provide Verification of Debt : On XX/XX/2023, I sent a written request to National Credit Adjust, requesting verification of the alleged debt they were pursuing against me. However, the agency failed to provide any valid documentation or evidence supporting the existence and accuracy of the debt, as required by the FDCPA. 
XXXX. Ignoring Cease and Desist Instruction : In my previous correspondence with National Credit Adjust, I explicitly instructed them to cease all communication with me regarding the alleged debt until proper verification was provided. Despite this instruction, the agency continued to engage in collection efforts, including phone calls and letters, disregarding my rights under the FDCPA. 
These ongoing violations have caused significant distress and have infringed upon my rights as a consumer. In light of these circumstances, I am seeking the following actions : XXXX. Investigation : I request that the Consumer Financial Protection Bureau ( CFPB ) conduct a thorough investigation into the actions of National Credit Adjust to determine the extent of their violations and hold them accountable for their non-compliance with the FDCPA. 
XXXX. Cease Collection Efforts : I demand that National Credit Adjust immediately cease all collection activities related to the alleged debt until they provide valid verification as required by the FDCPA. 
XXXX. Ignoring Cease and Desist Instruction : In my previous correspondence with National Credit Adjust, I explicitly instructed them to cease all communication with me regarding the alleged debt until proper verification was provided. Despite this instruction, the agency continued to engage in collection efforts, disregarding my rights under the FDCPA. 
Enclosed with this complaint, you will find copies of all relevant correspondence, including the written request for debt verification and the documented disregard of the cease-and-desist instruction. These documents serve as evidence to support my complaint. I appreciate your attention to this matter and your commitment to protecting consumer rights. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to address these violations and provide me with a resolution.
Product: Checking or savings account

I have had my business accounts closed from Bank of the West for quite some time now and imagine my surprise when I recieve a letter in the mail and several emails regarding an online platform migration as well as the new service charges that I would be assessed. I am afraid that my account information was not properly closed or that it was opened without my consent - this feels eerily similar to what happened at XXXX XXXX a couple of years ago.
Product: Credit reporting or other personal consumer reports

[ Your Name ] XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XXXX XXXX XXXX Subject : Dispute of Incorrect Credit Reporting and Request for Removal of Charge-Offs To Whom It May Concern : I am writing to formally dispute the inaccurate reporting of charge-offs on my credit report associated with my account [ Account Number ] with your institution. These charge-offs are being reported with an outstanding balance, which is incorrect and misleading.

In XXXX, your institution issued a Form 1099-C for the cancellation of this debt, indicating that the debt was discharged. Specifically, Box 6 of the Form 1099-C was marked with Identifiable Event Code " G. '' According to the IRS Instructions for Forms 1099-A and 1099-C, this code signifies " a discharge of indebtedness because of a decision or a defined policy of the creditor to discontinue collection activity and cancel the debt. '' XXXX The issuance of this form and the selection of Code " G '' clearly indicate that the debt has been canceled, and as such, there should be no remaining balance reported. Continuing to report this debt with an outstanding balance is not only inaccurate but also adversely affects my creditworthiness. 

I respectfully request that you : Immediately remove the erroneous charge-offs from my credit report. 
Cease reporting any balance associated with this canceled debt to all credit reporting agencies. 
Provide written confirmation of these actions for my records. 
Please consider this letter as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I expect your prompt attention to this matter to correct the inaccuracies in my credit report. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking employment and have been denied in some cases, where as, old information dated back well over 7 and/or 10 years are being reported in consumer reports. Asurint is the most recent company that has disclosed such detrimental information fore mentioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank allowed someone to take a credit card out in my name without even a form signed. The person lived at my address ( family member ). 

This case has been to court, where it ruled in my favour against the debt collector the account went to, and was removed from my credit report. However a year later this still negatively affects my credit report by showing this XXXX XXXX Account I'm not responsible for.
Product: Other financial service

I went to XXXX in XXXX MS to cash my check my check was declined. I have been cashing the same check at XXXX for the past 5 years. I was given a code from Certegy I called their customer service they would not give me a reason but rambled on with different things but it was not specific on the reason. Certegy displays discriminatory evaluating a client when a person is cashing a check and has created a bad customer service for the XXXX Consumer. As of today 's date I have no idea for the decline and they would not tell me and verify the reason why. A few months ago I resolved a check that they said they would delete the check from their system as of today 's date it is still showing in the system as a bad debt and even though they deleted it from other agencies they are still having the same check in their system as not resolved and a bad check. They had already advised they were deleting the check and mark it as a paid and closed account but now they are alerting other check cashing agencies the same information and not deleting the check as agreed.
Product: Credit card or prepaid card

I bought a {$500.00} Vanilla go VISA gift card at XXXX in XXXX, NC. 

On XX/XX/XXXX, I reported it lost to the Vanilla VISA company at the phone number listed on their website https : //www.vanillagift.com/ ( XXXX XXXX XXXX. 

It had a balance of {$170.00} on it. They told me to send them copies of the receipt and my Driver 's License to XXXX. They told me they would send a replacement card within 30 days. It did not come in the mail. 

On XX/XX/XXXX, I called to tell them that I had not received it and they told me to wait for another 30 business days. It did not come in the mail. 

On XX/XX/XXXX, I found the card and checked the balance but it was empty. I called them and talked to XXXX, and she said to continue waiting for the replacement card to come in the mail. It did not come in the mail. 

On XX/XX/XXXX, I called to tell them that I had not received it, The man I talked to asked me for more personal information, and i was stupid enough to give it to him. He then told me to wait another 30 business days. It did not come in the mail. 

I actually waited to call them this last time because I felt so frustrated about it. 

On XX/XX/XXXX, I called to tell them that I had not received it and when they told me to wait another 30 days, I politely told them I had to report it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Last reported XX/XX/2023 AMOUNT : {$6200.00} 15.U.C.168I THIS FRAUD ACCOUNT SHALL DELETE FROM MY CREDIT REPORT. 

XXXX XXXX OR XXXX XXXX XXXX NOT AUTHORIZE TO PUT THIS FRAUD ACCOUNT IN TO MY CREDIT REPORT WITHOUT MY KNOWLEDGE. 

DELETE THIS INACCURATE COLLECTION ACCOUNT FROM MY CREDIT REPORT BY LAW.
Product: Checking or savings account

Bank of America is holding {$10000.00} of my money, which I can't access. 
This is going on for 2 months. 
I don't know why they will not release the funds. 
XXXX opened an unauthorized savings account from my Bank of America and froze the account and I haven't any access to XXXX  I am in wealth management. 
Bank of America will not release the funds and close the account and transfer it to my new checking account.
Product: Money transfer, virtual currency, or money service

I am a XXXX person who is XXXX  XXXX. I received money from the Social Security administration because of this. I had a home healthcare worker fraudulently access my PayPal and steal XXXX. They laundered it through my PayPal. I contacted Paypal when this was discovered and it fit within the parameters for them to give me protection and re-place the stolen funds. I was elated as I needed the money for an XXXX XXXX. I followed all of their instructions to the tea. However, when my funds were recovered, it would not allow me to cash out the balance. I was able however to make a couple {$1000.00} transfers and when I went to meet the last one it locked my account and they said that they are now closing it and I had to wait 180 days if I have to wait 180 days, I will miss the window for the XXXX  which will have a huge impact on the rest of my life. This is a medical necessity. They said they are holding the funds in case of a charge back the only charge that could possibly be charged back is a {$16.00} payment from a friend. Its absolutely absurd that they want to hold {$1000.00} over that they need to give me my money so that I have a chance at some small amount of repair to my XXXX. This is. An emergency medical situation and they are screwing around. They are not a bank. They dont have the right to do what theyre doing.
Product: Checking or savings account

on XX/XX/year> my account went from {$7500.00} to XXXX XXXX i woke up on XX/XX/year> for work and went about my day and when i realized their was no money in my account i instantly called my bank in a panic, i have been waiting for a new debit card for over a month, the first one never came and the second one im still waiting on, they informed me today XX/XX/year> when i made this claim that my digital wallet has been compromised soo i have to wait for a whole investigation with no money??? please help me resolve this problem, the operator from wells fargo stated that these transactions came from purchase XXXX  which i have never used or reconize
Product: Checking or savings account

Back in XXXX or XXXX of 2021, I opened a chase bank account. A couple days later out of no where it was closed for no reason.I just got a random letter saying my account was getting closed. Before this I have never had a bank account with them, at least that I have knowledge of because I hadn't gone to open any account or anything with them, for them to close it. I had just turned XXXX so I opened my first bank account with them.I contacted them to see what was going on and why this was made they just said it was a decision they made to cut my relation with them off. This is unfair and I took it very wrong because no explanation was provided on why the decision was made.
Product: Credit card or prepaid card

Card was charge off XXXX of XXXX and as of XX/XX/XXXX USAA is still running inquiries into this charged off account. This account was sent to a debt collector ( XXXX ) and when contacted, they stopped all activities and sent the account back to USAAI will have a complaint on them in another filing. 

Pursuant to 15 USC 1692c ( a ) ( b ), 1692e ( 8 ), 1692b, 1681i, i, XXXX XXXX XXXX, beneficiary am being subjected to custom and usage practices of USAA and injury has occurred.

Furthermore, pursuant to 16 CFR 433.1, 433.2 and 433.3, this was supposed to be an open-ended account and USAA failed to notify me of this or perform in this manner since the account inception in XXXX.
Product: Vehicle loan or lease

I purchased a travel trailer private party. The previous owners had an outstanding balance on a loan for the travel trailer with Bank of the West. We paid that off directly to Bank of the West in person with a cashiers check referencing the loan account number as part of the sales process. Once we finished, the bank was not able to produce a title and now are stating that it may be as long as 3 weeks for us to receive a title. We are not able to register the trailer for legal road travel without a title as a private party. The title for private sales a critical legal document that they are holding.
Product: Credit card or prepaid card

On XX/XX/2023 I was victim to a phishing scam and had {$11000.00} fraudulently advanced from my credit card to my checking account and then my entire account balance fraudulently wired out of my bank account. When I talked to XXXX they immediately denied my claim. I then filed a claim with the CFPB ( Complaint ID : XXXX ) as well as with the XXXX ( XXXX ID : XXXX ) both of which XXXX responded to by asking for the full 60 day extension. When I spoke to a XXXX rep regarding the fraud on my credit card, they assured me that it was in my favor and that they wouldn't be charging any interest fees or cash advances while my case was under investigation. 

At the end of the month, I was still charged full interest fees for not only my actual honest balance, but for the additional {$11000.00} cash advance that Wells Fargo acknowledged in writing was fraudulent. I have now written multiple complaints about this to the CFPB with no change in response from Wells Fargo ( complaint ID 's : XXXX, XXXX, and XXXX ) who will not honor their XXXX liability fraud policy and are holding me liable for a balance on my credit card that they have acknowledged is fraudulent in writing. 

Additionally, I sent XXXX letters to Wells Fargo XXXX XXXX as well as the Credit Card XXXX XXXX on XX/XX/2023 to request a chargeback of the fraudulent {$11000.00} as well as an adjustment of my interest payments to what they should have been with only my actual non-fraudulent balance on it. My request for a chargeback and for the adjustment of my interest payments was sent to Wells Fargo on day XXXX of the 60 day period for which disputes can be filed and was received on day XXXX which was Monday XX/XX/2023. As of today, XX/XX/2023, I have received no response. 

Prior to the fraudulent transaction that occurred on XX/XX/2023, I had a balance of approximately {$4800.00}. With the XXXX XXXX APR that comes with my card, I was paying approximately $ XXXX {$70.00} in interest per month. After the fraudulent charge, and a new balance of approx. {$16000.00}, my interest charges have gone up to approximately {$200.00}. 

I am not satisfied with the responses that Wells Fargo has provided so far, as they are still refusing to honor their XXXX liability policy when it comes to fraud and are still holding me liable for a balance on my account that they have already acknowledged multiple times as fraudulent.
Product: Student loan

I was to get the information together for Navient to submit to get our payments lowered and a lower interest rate when in the same week I received a call and letter from them to resolve our delinquency. I asked them I did not want to be called yet I received voicemail message from XXXX in their XXXX office stating she was my case manager and wanted a call back. I called her back on XX/XX/2017 and told her that my records should have shown that I asked not to be called and she hung up. This morning XX/XX/2017 I received another call from XXXX confirmed my identity and she hung up. I feel these are harassing phone calls. I told Navient I would get the information together they requested, but meanwhile they keep calling. My complaint is about the harassing phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a Mu ltiple Inquiry Removal Letter o n  XXXX   XXXX ,    2017  by certified mail in order to dispute information in regards to  XXXX  inquiries that was being reported on my credit report. They received the letter on  XXXX   XXXX  , 2017    and they completed the request on  XXXX   XXXX ,  2017. T he request that I submitted included inquiries that were not factual and I received the same response for ALL inquiries which were " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCR A 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states th at any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response in 7 days after the receipt of my certified letter, one can assume that there was no investigation into this matter. I am in the process of purchasing a home and having this many inquires on my credit report display a sign of financial trouble when this is absolutely not the case. I am submitting this complaint due to the lack of investigation into my original dispute for inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.