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

Cash app withdrew money from my bank account after I closed my cash app account. Someone fraudulently disputed money they sent me to send to someone else. These two people may have conspired to steal money from me.
Product: Student loan

I was given a settlement agreement which I paid. It was in 2014 through XXXX XXXX XXXX XXXX XXXX The amount of the settlement was {$2200.00}.

XXXX XXXX XXXX XXXX is saying that I still owe {$3100.00}.

They are taking anything that I am supposed to get back from my Income taxes to pay this debt.
Product: Checking or savings account

I received a letter in the mail advertising a {$300.00} bonus when opening a qualifying Fifth Third checking account. The fine print states that, to qualify, the account must have a balance of {$500.00} for 60 days.

I went into a branch to open this account, and I was told that the minimum balance is actually not {$500.00}, rather it's {$1500.00}. This was stated nowhere on the advertisement. It is an astonishingly misleading offer. I did not open an account, as I didn't have the {$1500.00}.

The bank is clearly lying in this advertisement, and the result is that I wasted 20 minutes of my valuable time. The bank needs to withdraw or modify this offer immediately. Either that, or it needs to honor the terms in its letter - {$300.00} bonus with a {$500.00} balance maintained for 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I provided all necessary documents to Experian in XXXX XXXX to place an extended fraud alert on my file. They did accept my documentation, and placed the extended fraud alert on my file on XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX, I called Experian to request a security freeze be placed on my file. The agent said it would cost XXXXXXXX}. I explained that my file with them already has an Extended Fraud Alert and in the state of Wisconsin, I am therefore entitled to place a security freeze at no charge. The agent told me I had to submit a police report. I told him they already have the police report from placing the Extended Fraud Alert. He put me on hold, came back and told me the police I submitted for Extended Fraud Alert wo n't work for the security freeze. What???? 

He would, however, be happy to put the security freeze on if I paid the XXXXXXXX}. It seems to me what they are after is the {XXXX}, not so much a police report. 

This certainly does not seem fair or logical to me. They are making it difficult for me as a consumer,
Product: Consumer Loan

On XXXX XXXX, 2015 my husband and I traded in our vehicle which still had a loan with Wells Fargo but had equity and used it as a down payment on a new vehicle. We traded it into the dealership XXXX XXXX in XXXX XXXX, CA. Two months later we bang receiving collection calls from Wells Fargo stating that we were behind XXXX payments. I informed them that we had traded the vehicle in and they stated that it had not yet been paid and was now being reported as delinquent to our credit. We kept trying to get in contact with the dealership but all they would say is that we were no longer liable and they would look into payment. On XXXX XXXX, 2015 Wells Fargo received a payment from XXXX XXXX for all but {$83.00} of the balance of our trade in. When we contacted the dealership about this they said that the lady that handles the pay offs will be out of town for XXXX weeks. In the meantime, we continue to receive numerous collection calls and our credit is still suffering because of it. Neither Wells Fargo or XXXX XXXX will help us with getting this resolved and expect us to pay this amount to stop the collection calls. While it is a small amount, it is unfair to force us to pay the penalty because of XXXX XXXX mistake. It is also not right that our credit is now showing delinquency because XXXX XXXX did not take care of their responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts on my credit report with experian XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request from the Consumer Financial Protection Bureau ( CFPB regarding the discharge of my student loan and a potential violation of the Fair Credit Reporting Act ( FCRA ). 

I have been facing severe financial hardship due to the student loan being reported on my credit file incorrectly and repeatedly. I received a letter from XXXX on XX/XX/year>, stating that my loan has been paid in full ( attached ). I believe that I may be eligible for a loan discharge based on these financial difficulties and would like to explore this option further.

Additionally, I recently obtained a copy of my credit report and noticed inaccuracies in the reporting of my student loan account. The discrepancies have adversely affected my credit score and financial well-being. I suspect that there may be violations of the FCRA in the reporting of my student loan information.

I kindly request that the CFPB investigate these matters and assist me in resolving the issues related to the discharge of my student loan and the potential FCRA violations. I have attached relevant documents, including proof of financial hardship and copies of my credit reports, for your review.

Please let me know the next steps I should take and any additional information required to facilitate the investigation process. Your prompt attention to this matter is greatly appreciated.

Thank you for your time and assistance. I look forward to resolving these issues with your support.
Product: Student loan

Every time I contact mohela about my student loans : consolidation, forgiveness, even a simple payment- I get contradictory information. The latest thing that makes me mad is that I was told via the online portal I have no payments due for several months. Then I got a paper bill for {$2.00}, so I mailed them a check for XXXX because {$2.00} just seems ridiculous. And then today I get a paper bill saying that my automatic payments will be restarting in 2 days with a minimum payment of {$1300.00}, which is far too much for me ( and I applied for consolidation to bring down a XXXX XXXX monthly payment. ). Every time I call, I'm on hold for an hour or more. I very often get hung up on. And I never get a straight answer.
Product: Credit card or prepaid card

WELLS FARGO CARD SERVICE XX/XX/2015 {$180.00} Account was supposed to be closed and another charge appeared on the statement and Wells Fargo would not let me dispute the purchase and account was close and shows on my credit report
Product: Credit card

I am a trans* person who had a credit card with BofA. My BofA checking/savings ( c/s ) acccount had overdraft protection on it, linked to this card. I had my name and gender legally changed prior to a move in early 2014 and I closed my BofA ( c/s ) account shortly after moving to the new address. I then zeroed out my credit card ( cc ) by paying it down in XXXX lump sum, then cut it up. I opened another c/s account at a credit union before closing my BofA c/s account. 
A few months later, I get a forwarded letter from my old address from the BofA cc account and it has accrued late charges totaling something like XXXX dollars. I called them to ask what the charges were for and they would not speak to me because I told them my legal name, despite telling them that I have a legal document that would prove my identity. Not only that, the c/s account was grandfathered and referred to me by a nickname, not my birth name, so there was yet another name in the mix. I then tried the website to see if I could bring up the account, but did not ever set up online account access with them and could not now do so without falsifying information. 
I wrote a message from within the website help and they told me that I would have to call. I called again, only to be told that I am not the account holder, so I may not access the account. Two years later, I can not open a bank account now, thanks to this outstanding debt. I called BofA again last week and they told me that it is out of their hands because they already sold the debt to a collection agency and settlement is not possible, even though they are now willing to admit that I am the original account holder. 
I do n't believe that this debt is justified in the first place, since it is, according to BofA, stemming from an overdraft protection service charge. That 's what? {$10.00} - XXXX a month? And they informed me that the debt sold was over {$600.00}. 
I believe that BofA should allow me to settle for the original debt of {$10.00} - XXXX as my original creditor and waive the insane fees they tacked on. I tried to close everything properly, but perhaps should have closed the account before changing my name. The hard part is that I would n't have been able to open a new account until the name and gender change process was complete and I would have been without direct deposit, checks, debit, PayPal, and credit until I had my official papers in-hand. Even so, my paperwork from my grandfathered account from the BofA in Texas, that has a nickname instead of my then-legal name, would have made the process difficult, as it would have required someone who is American* or knows about American nicknames to think. 

*I say American, because people from XXXX are more likely to understand that nicknames like " XXXX '' are derived from " XXXX '' or " XXXX '' or " XXXX '' from " XXXX '' or even more obscure nicknames that are given to children by their parents and stick, like " XXXX '' instead of " XXXX XXXX ''
Product: Mortgage

Mr. Cooper has lied to us for 4 months. My last call in XXXX they assured me they would NOT pay the supplemental taxes. I sent a check for the taxes and the next day they sent a check for the same taxes. Then they set up our supplemental taxes ( one time payment XXXX to be escrowed and paid again in XXXX. I had to call and have them delete the future tax payments that were incorrect on our account. Long story short we have been overpaid {$910.00} at XXXX XXXX of XXXX since XXXX and Mr Cooper has lied to us every time we call, they have NEVER responded in writing to one of several inquiries, they now have inflated our mortgage payment again due to the error they made for money already paid. I am XXXX on Social Security and they refuse to take any responsibility for the errors they make. Most representatives are only concerned when you call about another refinance and never follow through or call back. I asked for office of the president last week and after 45 minutes they never called back again. I just spoke to them again, they have now transferred our loan which has escrow overpaid and they have inflated our payment. I even sent a check to them for {$740.00} to make up the difference of the overpayment. They lied to us for 2 months saying the money would be refunded to our account in 8 weeks or less and now XXXX XXXX is saying 90 days. We shouldn't have to deal with so many problems or never get a call back EVER from a mortgage company handling a half XXXX dollar loan. Not one reply to anything or follow up ever.
Product: Debt collection

on XXXX a loan was placed on my credit profile by XXXX XXXX XXXX XXXX '' for {$3600.00}. I never provided written consent are verbal approval for this loan. I was told to bring my automobile to a repair ship for an estimate and instead of an estimate the company decided to fix the vehicle and approve themselves for the loan without my consent or knowledge.
Product: Credit card

I currently have XXXX credit cards with CapitalOne. All XXXX cards have a very high interest rate. In the last 12 months I came upon very difficult financial hardship due to extreme health concerns. I have been out of work and only able to keep up with my minimum monthly payments on these XXXX cards. On each card my balance has grown due to my inability to make more than the minimum payment. Now that I am getting better I called CapitalOne to try to get some debt forgiveness on the accrued interest charges. They refused, only offering {$50.00} on each account, for a total of {$250.00}. I have roughly {$8000.00} in accrued interest. I explained I do not want 'discounted ' monthly payments, as I have never missed a payment and will be able to begin making higher monthly payments towards my balance when the new year starts, because I will be back to work. They did not care, and have no interest in relieving any of the accrued debt. They also would not lower my interest on any of the cards. I have several other credit cards from other banks and they were much more cooperative with interest forgiveness as well as lowering my interest rate. I am extremely disappointed with their lending practices, and for the {$33000.00} balance, some of which is healthcare costs, can not believe I owe {$8000.00} in interest in 18 months, after 0 % introductory periods.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

I submitted a letter to the XXXX and Equifax XXXX XXXX XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again, as required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX U.S.C. XXXX ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX ( a ) ( XXXX ) ( XXXX ) XXXX in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit card or prepaid card

i got a notice that I had till XX/XX/XXXX to respond - i am working on my response since the problem is now going into it's second year and i paid the disputed amount to the store just to stop the penalties and late fees for an item i did not order, sent back and was charged for, i havve spent hours of time and postage in trying to get a resolution to their stealing my money and now want almost {$200.00} from me for an item i did not order, returned, and gave up and paid for - a bit {$9.00}. 
this is shameful. 

You have 60 days from when the company responded to your complaint to provide feedback. You now have until XX/XX/XXXX to complete it. 
COMPLAINT ID XXXX-XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Credit card or prepaid card ISSUE Advertising and marketing, including promotional offers
Product: Credit card or prepaid card

I was charged a late fee after failing to make a payment one-day late. Capital One refused to waive the fee and even though the merchant charges and interest have been paid, Capital One continues to charge late fees even though I closed the account on the day I called about waiving the late fee and Capital One refused. Attached is one of several attempts Capital One has made to negotiate the late charges it has assessed to the closed account. 

This tactic of " negotiating '' a late charge is similar to a mafia protection racket, where the mafia sells protection services when the mafia created the injury to property or person in the first place. Additionally, Capital One is engaging in an insidious tactic that most consumers may not recognize ; ANY partial payment extends the statute of limitations for debt collection. 

Included in the attached file is also the consumer statement I have added to my XXXX credit report. You can see that Capital One did not dispute the facts.
Product: Debt collection

My name is XXXX XXXX. I became a victim of identity theft. My health insurance company, XXXX notified me that my personal information was compromised. Since then, somebody tried to get my tax refund and opened several credit cards with using my personal information. I had filed a police report and even asked for investigation to FBI. As such, XXXX provided me free credit monitoring services and I had been monitoring closely any suspicious activities. The original creditor, XXXX XXXX XXXX Bank opened a credit card without even checking correct spellings of my name. The identity thief used incorrect spellings of my name like " XXXX XXXX '' and that account was opened in out of state while I was residing in XXXX XXXX XXXX XXXX Bank should had hired a private investigator to catch the identity thief with the same money have spent on hiring a debt collect, " Capital Management Services , LP '' to harass the victim of the identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account number : XXXX XXXX XXXX  account number XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXXXXXX XXXX ( original creditor XXXX XXXX ) XXXX XXXXXXXX XXXX original creditor XXXX XXXX  ) account number XXXX XXXX XXXX ( original creditor XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX account number XXXX XXXX XXXX ( original creditor XXXX XXXX XXXXXXXX XXXX XXXX account number XXXX XXXX XXXX  account number XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX account number XXXX Account number XXXX 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.
Product: Debt collection

Choice Recovery has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Debt collection

After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with an account listed under Convergent Outsourcing and validation was requested on XX/XX/2020. On XX/XX/2020 I reviewed my credit profile again as Convergent Outsourcing had not responded nor was the account reflected as disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/2020. Credit report was reviewed again on XX/XX/2020 and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and that all information is correct.
Product: Debt collection

XX/XX/XXXX I went to the emergency room I have insurance that paid the bill my insurance is XXXX XXXX id # XXXX XXXX XXXX XX/XX/XXXX thats all the info youll need to show you Im not lying about my insurance and the debt is still on my credit. I was informed by my insurance company to let yall know directly again so I am. Thank you and have a blessed day.
Product: Credit card

I have spoken to multiple Wells Fargo and XXXX representatives about two charges to my XXXX credit card from a company unknown to me called XXXX XXXX. One charge for {$430.00} and another for {$290.00}. I did not make this purchase and am fairly certain that my credit card was skimmed from a fake card reader in order for these charges to be made without my knowledge as there hadn't been anything that I'd purchased in that price range. I expressed this to the Wells Fargo support line for fraud in XXXX and the charges were removed from my balance and I was told that " there is nothing else fore to do and that they are taking care of it ''. My card was closed and I had been sent a new card. However, in early XXXX I saw that the charges were added back to my card and there was a letter in the mail that said the charges were added back without any explanation to why. I called Wells Fargo support again and was dismissed in regards to my concerns and had been told to wait for another reopened claim to process in the span of 15-20 days. When I asked if there was any information I could provide to revive a different outcome rather than just reinstating the fraudulent purchases on my balance, I had been told that there were no other avenues to contact the supposed investigative team looking over my claim and provide more information. I am unsure of how to have my dispute accepted through Wells Fargo instead of denied from this point on and am turning to the CFPB for help for this reason. The new claim through Wells Fargo is still ongoing but there has already been a denied claim so far. I would appreciate if this were looked into soy situation with the balance of fraudulent purchases will be cleared. If it is looked into, I have always paid my credit card on time without any hiccups. The only balance that I have not tried to pay is what is left of the fraudulent claims that are sitting on my account currently.
Product: Credit reporting or other personal consumer reports

After examining my credit report, I noticed several billing mistakes. The late payments shown do not correspond with my regular payment history.