23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a loan with Flagstar Bank. In early XXXX we had severe flooding in our area and our house was hit with 5 and 7 day power outages and wind damage. Flagstar offered us FEMA relief with a 3 month grace period on payments. At the end of the 3 month period they demanded payment in full of the three months of back payments. My wife works from home and when we didnt have power she couldnt work, and we were dealing damage to our barn and helping our horses that were stuck in mud and driving rain. When we couldnt make the back payments to catch up they dinged our credit with a 90 day missed payment, it dropped our credit score XXXX points. I was never told that the money would be due at the end of 3 months, this seems like deceptive practices. Especially because we had gotten Covid forebearance and they renegotiated our loan after that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already disputed this account from XXXX XXXX with account number XXXX and filed a complaint thru FTC last XX/XX/2021 with Ref # XXXX and it was deleted under Experian from my credit reports. However, on my monthly updated credit reports dated XX/XX/2021, a newly added account appeared in my reports with the same account name XXXX XXXX XXXX XXXX and the same account number XXXX and is reporting negative still under Experian. I've attached a photo of the 2 accounts along with the copy of my credit report summary showing that it has been deleted and was added back again. I want this to be removed as it is very illegal to add on removed fraudulent accounts. I have contacted them before to demand validation of the said account and have it closed but I have never received any validation. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported negative in my credit records again and is hurting my financial stability. I have disputed this and was deleted but it has been added back again.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, PayPal permanently limited access to my account, which contained a balance of {$19000.00}. The reason provided was not explicitly stated, but I received communication indicating that PayPal would hold my funds for 180 days pending an investigation into my transactions. 

After patiently waiting until XX/XX/XXXX, which marked the completion of the XXXX hold period, The hold was lifted and the total balance was available for withdrawal. Subsequently, I started withdrawing the funds in sequence to my debit card as instructed by paypal. I was only able to transfer {$4800.00} to my linked card before PayPal locked the account once again on XX/XX/XXXX. 

After lodging a complain, I got a reply from paypal that my funds will be on hold again for XXXX  days for the same reason it was held on XX/XX/XXXX. This action contradicts PayPal 's previous assurance that my funds would be released after the XXXX hold period. 

It is important to note that since the only activity that occurred on my account between XX/XX/XXXX and XX/XX/XXXX is to withdraw my already held fund which is now available as stated by paypal, I have engaged in no prohibited activities or wrongdoing, as acknowledged by PayPal 's own terms and conditions.

Furthermore, PayPal 's assertion that " we may hold your Account balance for up to XXXX days if reasonably needed to protect against the risk of liability '' implies that the hold was contingent upon valid concerns about risk. Since no such concerns have been substantiated, I fail to see any legitimate reason for PayPal to continue holding my funds. PayPal has already held my funds for the agreed-upon XXXX period to protect against the risk of liability, and there have been no reversal, chargebacks or disputes in my transactions, their claim to hold my funds again for another XXXX  days based on the same risk of liability can not be validated. 

I urge PayPal to reconsider its decision and promptly release the remaining balance held in my account. The continued withholding of my funds without justification constitutes a breach of our agreement and inflicts undue financial hardship upon me.
Product: Credit card or prepaid card

Chime, a financial services company and partners with XXXX and XXXX Banks, opened an unauthorized online account for a XXXX XXXX XXXX, using my stolen personal information and without my permission on XX/XX/2022. I received a card, in the mail from a Utah facility address ( which I believe is associated with XXXX  ) and closed the account with Chime on XX/XX/2022. The XXXX Bank name was on the shipping info with a routing number ( XXXX ). 
Since XX/XX/XXXX, I have tried to contact XXXX and Chime numerous times to determine how my personal information was fraudulently obtained and how they could open an account without my permission. I have followed Chimes instructions to get this information, but they are not forthcoming. They are in violation of the Federal ( FCRA ) Law to provide documentation on this identity theft. 
I found another Case ( XXXX ) dated XX/XX/2022, with the same circumstances in the database. This reminds me of the XXXX XXXX and XXXX Bank fraudulent activities to open unauthorized accounts for marketing credits.
Product: Money transfer, virtual currency, or money service

On XX/XX/24 refunds from XXXX XXXX amounting {$400.00}, {$500.00}, and {$2500.00} were posted to my Coinbase debit card account. 

On XX/XX/24 refunds from XXXX XXXX amounting {$600.00} were posted to my Coinbase debit card account. 

On XX/XX/24 I reached out asking why the funds were not yet made available to me. I was told a specialist would be reaching out to me but instead received a blank response case resolved email. 

As of XX/XX/24 I still have neither had my funds made available to me or heard from a specialist. 

It should be noted I paid for priority support and received no such thing.
Product: Debt collection

This account was purchased by Lvnv funding. It was originally an auto account that was charged off by XXXX XXXX. Lvnv purchased this account XX/XX/year> for XXXX. This is XXXX more than what it was charged off for by XXXX XXXX. This company keeps calling and send emails from another company by the name of resurgent capital services asking for payment. So two companies are requesting the same payment from a charge off account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a car account under an open end consumer credit plan as late for any reason.
Product: Money transfers

i sent {$30.00} USD to someone to pay for art over paypal. Previously, they have sent the art, however this time it has been over 30 days, i have tried contacting this person, and they keep putting me off.
Product: Student loan

Navient has not provide the information I requested over the phone. I called XX/XX/2022 and requested documentation showing how I was approved for all my private loans, which is to include the Debt to income ration and my credit score at the time when I was approved for all the loans. I was told that I would get something in the mail in 15 days and never received. 

I called again on XX/XX/XXXX and was told that I would have the documents next week and I still have not received the documents. 

I called again on XX/XX/2022 and was told a letter was created and I would get documents by next week and I still did not receive to date. 

Navient does not seem to want to strive to get me what I need. This is giving credence for me to believe that there was deception involved with how my loans were approved. XXXX XXXX themselves have already been proven to be practicing predatory lending in regards to my Federal loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently ordered my consumer credit file from XXXX, Experian and XXXX and notice these late payments with XXXX XXXX XXXX # XXXX. I am requesting all be removed from my file this finding has caused stress, my credit utilization to increase which ultimately has caused a low XXXXredit score and credit denials along with higher interest rates. 15 USC 1666 Does not include Late Payments. Please remember 15 USC 1681 ( b ), & 15 USC 6802. I have a right to privacy and I never gave any of the credit reporting agencies permission to furnish a report on me in the first place. The line of credit that I have with your company, which is characterized as utilization on my consumer report. Your company is illegally reporting this experience i.e. my utilization. On my credit report. Your company is in clear violation of the law pursuant to 15 USC section 1681 2 ( a ) ( i ) -exclusions except as provided in paragraph three, consumer report does not include a subject to section 1681S - 3 -of this title any ( i ) Report containing information solely as two transactions are experiences between the consumer and the person making the report. The law clearly states transactions or experience between the consumer which is myself and you the comp corporation making the report are not included on my consumer report. Utilization is an experience with the line of credit that was extended between the Consumer and me the person. Congress clearly states that the reporting transactions are experience between the consumer and the person making the report is not to be included on internal reports. My privacy rights has been violated and I have been denied credit due to your reporting of late payments and utilization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fifth Third I have a credit card account with I had a small balance. I called them in XXXX for the balance and asked for the complete payoff even if interest was going to be assessed .. I was given the total of approximately {$420.00} total and will not owe anything further. I said perfect and made the payment. on XXXX XXXX I received a credit alert that I had a late payment for them in the amount of XXXX.. I immediately called and said this can not be I asked for everything I could owe and paid it then. They said it was a {$1.00} of interest. I never received a bill for this or a call, they just gave me a XXXX late on my credit report. They said sorry for your inconvenience we waived the {$1.00} but did nothing about the late payment on my credit report
Product: Money transfer, virtual currency, or money service

I paid a professional via PayPal but the service was not delivered, I want my refund. 
The professional asked me to send money as friend/ family via PayPal
Product: Consumer Loan

The said company did not disclose to me the legality of its practices and the legality of its interest paid on a loan. In the state of NJ this loan is illegal and violates state usury laws. This institution is unable to make a loan without a license in the state of NJ. I was not aware that this loan was illegal and I 'm concerned my personal information as its in the hands of such a company performing illegal banking practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, 3-4 years ago I had a credit card with XXXX XXXX and I recently checked my credit score and I saw something negative report on it from them. I called XXXX XXXX on XX/XX/19. For an hour I spoke to 9 different  reps. going back and forth trying to resolve this issue. After providing my social and all info required for an account they had said that there was no file and account there with my name/ info on it. Therefore, this information is incorrect and needs to be removed from my credit report. It is is hurting my credit and prohibiting me from getting funding for my business. I tried to work with them to get this resolved, but no one could help. I need this information taken off of my report as soon as possible. I've done everything in my power and don't know what to do at this point. I'm very disappointed in the disorganization of state farm and this has been quite a frustrating experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Repprting act. The List of accounts below has violated my tederally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX 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 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 1681 c. ( 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: Consumer Loan

A representative from Wells Fargo keeps calling my fiance ' claiming I am delinquent on a pay day loan and opened in 2011 and if I do not pay they are garnishing my wages. They have my social security number, date of birth, address, job information and my fiance 's information and phone number. I never opened a payday loan ever in my life. I do not know if this is one of those fake accounts wells fargo created. I wish to be compensated for harassment, ruining my credit and fraudulent use of confidential information.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation credit card payments never late
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  
FCRA Violation personal loan not mine
XXXX XXXX XXXX XXXX XXXX XXXX  

FCRA Violation personal loan payments never late
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation collection not mine
XXXX XXXX XXXX

FCRA Violation inquiries not mine
AXXXX 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

FCRA Violation hard inquiries not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation personal information not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been an authorized user for now on my cousins cards using and paying it off. Trying to build my credit. The issue is nothing is showing on my report for either of these cards. One is barclays and the other is XXXX  XXXX XXXX. For some reason they are not reporting to XXXX, XXXX  and XXXX  any help here would be greatly appreciate.
Product: Checking or savings account

Subject : Formal Complaint Against Wells Fargo for Unresolved Transaction Dispute and Unethical Customer Service Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Wells Fargo for failing to resolve a dispute regarding four unauthorized transactions on my account, totaling {$370.00}. Despite repeated attempts to address this matter, I have not received a satisfactory resolution. This issue involves both a failure to protect my account and unethical behavior by Wells Fargo staff.

The unauthorized transactions occurred on Sunday, XX/XX/year>. On that same day, I received a fraud detection text from Wells Fargo, followed by another one on XX/XX/XXXX. Since then, I have called the bank multiple times, beginning on XX/XX/XXXX. I have called three additional times to resolve this issue, yet the claim has been mishandled each time. 

On XX/XX/XXXX, I called again, only to find out that the claim had been filed incorrectly once more. Wells Fargo has consistently wasted my time, offering no explanation or asking relevant questions to clarify the situation. Instead, I was told that I authorized these transactions, which is false. Their handling of this matter has been dismissive and unprofessional.

Two of the disputed transactions are claimed by Wells Fargo to have been authorized using my chip, while the other two are categorized as " unknown. '' However, I did not authorize any of these transactions, and the bank has not provided any evidence to support its claim.

Under the Electronic Fund Transfer Act ( EFTA ), financial institutions are required to investigate and resolve errors on a consumers account within 10 business days ( 15 U.S.C. 1693f ). Wells Fargo has failed to meet this legal requirement, instead forcing me to repeatedly follow up without progress.

Additionally, during one of my calls, I spoke to an employee named XXXX who refused to provide her full name when requested. This behavior demonstrates a lack of transparency and accountability, further adding to my frustration.

The amount I am disputing is {$370.00}, which includes all four unauthorized transactions. I request that the CFPB investigate Wells Fargos mishandling of my claim, including their failure to comply with the EFTA, their repeated delays, and their inadequate customer service. I also request that Wells Fargo be required to credit my account for the {$370.00} and provide a detailed explanation of their investigation process and corrective actions.

Thank you for your time and attention to this matter.
Product: Vehicle loan or lease

I have told Ally Auto continuously to stop contacting a friends number when trying to get in contact to me, they have ignored that request numerous times.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving notice of Identity Theft Affidavit, CKS Prime Investments is in voilation of FCRA 623 ( 6 ) ( A ) ( B ).

CKS Prime Investments is reporting an account on my credit reports that had fraudulent activity that has been reported. Although they have been notified of this and provided with the documentation, they only changed the status to closed on the account reporting but they have not removed the account.

In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/2009 ), this Notice of Dispute includes the following account : CKS Prime Investments Account : XXXX {$530.00} Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) & FRCR 623 6 ( A ) ( B ), you have the duty to remove your credit listing after being notified of Identity Theft.
Product: Credit reporting or other personal consumer reports

I filed bankruptcy XX/XX/XXXX XXXX XXXX XXXX. Included XXXX XXXX the account was remove on XX/XX/XXXX from Equifax credit report. On XX/XX/XXXX the account was placed back on my credit report with deferent information which was wrong. I disputed it and they changed information again. I contacted the original creditor XXXX XXXX they researched and said they remove, but updated to more wrong information and this is killing my credit report and score please HELP!
Product: Checking or savings account

Called the Company to address the issue about the acct. being negative not due to my doing. And outsider retrieved my information and deposited a counterfeit check which I thought was right.
Product: Debt collection

I have received repeated e-mails from " TrueAccord '' about a debt I do not owe. I contacted True Accord on XX/XX/19 and spoke with a " XXXX '' and advised her I had credit protection on this credit card and that I had been hospitalized in XXXX and have been receiving care since then as I am XXXX   XXXX. Due to this, my credit protection should pay this off in its entirety because I became XXXX XXXX for a date that the originally approved a claim on. 
XXXX was completely rude, continued to badger me. 
A copy of the call is attached. 
This companies stance seems to be that they have no requirement under XXXX to initiate a dispute and so their purpose is literally for no other reason than to harass people and effectively extort them to pay something they should not be liable for!
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX were reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.