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

I am a victim of fraud. 

On XX/XX/XXXX I sent a {$60.00} XXXX digital payment from my Bank of America account to someone's cell phone number to buy tickets for a XX/XX/XXXX XXXX XXXX concert at the XXXX music venue in XXXX XXXX. 

The tickets were non existent. I was scammed. 

I reached out to Bank of America who claims all debit card transactions are covered. But after they responded that the investigation was closed because I initiated the transfer. I am a long time customer and I feel scammed by Bank of America too. I am very upset. I am an over 20 year customer with Bank of America. 

On XX/XX/XXXX I sent {$60.00} to this fraudulent person, XXXX XXXX at this number XXXX. The cell number this person was using to communicate is XXXX. 

I would like Bank of America to step up and tell us that they don't cover everything. And that they don't cover XXXX digital payments. I would like a {$60.00} courtesy refund from Bank of America.
Product: Checking or savings account

More than 3 months ago I requested a XXXXXXXX XXXX XXXX to my bank Welss Fargo, due a system restrictions from them that doesnt allow to send a passcode to my mobile phone number registered with them. 
The device never arrived and all the time that I need to do some bank procedures like a XXXX transfer the system requires the code from that device saying that I already have one. 
Please send the XXXXXXXX XXXX XXXX requested long time ago to be abble to use my account. Right now im fully limited, making baking with them almost impossible.
Product: Debt collection

I am in full litigation with this collection agency in regard to this alleged debt. I have asked the consumer reporting agency to validate and verify the alleged debt and they have not provided me with the names, addresses or phone numbers they used to investigate and validate this alleged debt. I have a law firm representing me and we are in full litigation in regard to this account. They violated many of my consumer rights and they continue to do so by continuously reporting this non accurate information about me to consumer reporting agencies.
Product: Student loan

Most information I have received are complaints and inquiries including nelnet XXXX XXXX XXXX XXXX discharge. I asked if they could verify the XXXX XXXX XXXX XXXX with XXXX XXXX because the loan status changed from paid to XXXX XXXX XXXX  XXXX Nelnet sent a payment history and said XXXX XXXX XXXX  were not included in the XXXX XXXX XXXX XXXX. Understanned the bann from Federal student aid published on XXXX ( payments ) that XXXX XXXX XXXX XXXX would fall under social security administration to verify XXXX. Nelnet is a different student loan servicer from the payment history sent to me it appears loans were written off more so than paid.
Product: Student loan

I have been making payments on my loan since I graduated. My loan was sold off to Navient and I have been having issues ever since. Not a dime of my money has gone towards my principle balance and I have not made a late payment. Something needs to be done. I don't want to die with this loan. Please help or advise on what my options are or how you can help. At this point I wish I would have never went to school. I don't what to do. At first they said my loan would be forgiven after 25 years as long as I never made a late payment. Well I called again and I keep getting a different story. The 2nd time they said it would be forgiven after 20 years. I have been talking to a lot of people about this and they say that forgiveness it not true. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been repairing my credit for the last few months while XXXX, XXXX have removed these items from my credit XXXX kicks back a message that the validated the information.its not feeling along with research that has been done that XXXX hadnt completed a thorough investigation into my complaints and Im begging for an intervention at this point
Product: Student loan

I have a student loan with XXXX department of education. The monthly payment was {$95.00}, I am not sure the exact change. 
XX/XX/2015, I received a letter from a company that called XXXX help stated they can help me with the loan. So I called them and I spoke with somebody 's name XXXX XXXX. He said that he can help me qualify for a program to help me lower the payment and he asked me some info about myself and provided him all my info. He set up the loan and told that the loan payment will be {$91.00} every XXXX of the month, but the payments have to take automatically from my checking account to qualify for that program. 
So everything was setup and they started taking the payments XX/XX/2015 until now, they are still taking the payments. 
Last week I received a letter from the same company which is Fedloan. In the letter, they mentioned the monthly payment is {$160.00}. I called them and spoke with XXXX different person, the both said they never received any payments from me and they have no payment history, they do n't know what I am talking about. This morning, I emailed XXXX XXXX explained to him what happen and I said " I want all the money that I have been paid since XX/XX/2015 until now, all he replied back to me that he will get fix. I called and let a voicemail for him, he never call me back.
Product: Credit card or prepaid card

I live in XXXX XXXXXXXX XXXX and work in XXXX XXXXXXXX XXXX which is in the same vicinity charges to my CHIME my credit builder credit card without my authorization took place in XXXXXXXX XXXX on days I was working in XXXX XXXX. I informed Chime Bank that I had lost my wallet and that somebody had gotten a hold of my credit builder credit card and used to make unauthorized purchases Chime Bank further stated that they found no error how could that be when I am working at the time these charges were made I did my due diligence by contacting the merchant where these charges were made and the merchant told me I had to deal with my bank I am complaining because these are unauthorized charges and Chime has denied my dispute on a credit card.
Product: Bank account or service

I inadvertently used a Santander account to pay a XXXX phone bill. It must have been on a selection list I did n't notice. In any case there were insufficient funds to cover the payment. I only really use this account to transfer funds to my daughter 's college account. I received XXXX notices, XXXX postmarked XX/XX/XXXX ( XXXX days after the transaction date ) and another on XX/XX/XXXX 7 days after the fact telling me I had XXXX days to remediate the issue. All the while I had already been charged an additional {$35.00} fee for not adding funds to the account.. That seem like an unscrupulous business practice. I was told by their representative that I have to continually review my account and I was out of luck. That 's ridiculous ... They know enough to send a notice but wait XXXX days to send it to ensure XXXX % of the time they 'll get another {$35.00} ....
Product: Credit reporting or other personal consumer reports

I have requested multiple times the proof the accounts appearing in my report without me knowing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I received my Indigo Mastercard by XXXX XXXX on Sat XX/XX/year>. I activated the card that day and immediately ran into problems when trying to use the card. I was unable to add my card to my XXXX XXXX despite having that feature clearly touted on the pre-approval materials I received in the mail which prompted my placating for the card in the first place. I contacted customer service using the number printed on the back of my card ( XXXX ), and was confused as to why I was connected to XXXX XXXX XXXX when the card was issued by XXXX XXXX. 

The agent informed me that I needed to set up a PIN for the card since it was brand new. She also informed me that the card can be used for a cash advance with a {$100.00} withdrawal limit per day. 

I set my PIN as instructed and then attempted to utilize the cash advance of {$100.00}. The attempt was declined. I then attempted an {$80.00} cash advance withdrawal which was also declined. I called customer service again and was told that the declined transactions were flagged by the system as high risk and that I would not be able to attempt another cash advance for XXXX hrs On XXXX  XX/XX/year>, I attempted to use the card at the following merchants : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. The card was declined at every single one of those merchants. I contacted customer service again, and was told that even though I could verify that I was the one making the purchases, the system flagged them all as being high risk and there was nothing anyone could do to fix it. I was then informed that because of the high risk flag, I would never be able to use the card for any future transactions at any of those retailers. 

I asked the customer service representative if I could close the account since the card can not be used at any of the nations largest retailers and was told that i can not close the account yet because its too new and to call back in 6 months to see if its possible to close the account at that time. 

This is all in violation of the Customer Agreement and the Terms of use.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of fraudulent accounts on my Experian credit report. Despite following your guidelines and submitting dispute letters along with the necessary documentation to the Federal Trade Commission ( FTC ), this account continue to appear on my Experian report. 
Upon discovering this fraudulent account, I contacted the respective company, which confirmed their fraudulent nature and assured me they would be removed from their records. Both XXXX and XXXX have removed this account from their records after verifying their fraudulent status. 

I am perplexed as to why Experian still reports this fraudulent account, especially when the other credit bureaus have already removed it. I have taken all required steps and provided all necessary documentation to prove my identity theft claim. 

I request a thorough investigation into this matter and the immediate removal of this fraudulent account from my Experian credit report. The companies have confirmed the accounts ' fraudulent nature, and their continued presence on my credit report is unwarranted and harmful to my credit rating. XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within 4 business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt XXXX  and would like for all listed accounts to be blocked and deleted by Transunion. Please delete the following accounts. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX 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, credit repair services, or other personal consumer reports

Hello, Today on XX/XX/XXXX my credit score dropped for a balance increase with COMENITYBANK/VICTORIASEC. 
I have an ongoing dispute with Comenitybank/victoriasec for an amount I was wrongfully charged. The balance has been increasing for missed payments while the dispute is in progress. I was assured that I would not be reported to credit agencies and to not make any payments during the dispute process as the balance should be zeroed out in the end. I am unsure as to how this has hit my credit as the matter has not been resolved. Thank you.
Product: Credit card

I received a call from "XXXX they asked me to call back. I called back the number on my card and they told me I was qualified to get my rate reduced to 6.4% . Because I was never late.  I would see that on my next statement.  I received my statment contacted, Chase and they have no record of that transaction they did pull a credit check XX/XX/XXXX they told me, but said I had the lowest rate I could have. I did not give my ss number to anyone but they did have my card number when they called and had me call back as I DID NOT trust them and still I am now concerned who this was.
Product: Payday loan, title loan, or personal loan

ON Saturday XX/XX/2020 I agreed to purchase a truck from XXXX. She has an account with Ally Financial who hold the title for the truck ( XXXX XXXX XXXX. The truck had a payoff as of XX/XX/2020 of {$7500.00}. On XX/XX/ XXXX and I sent a cahiers check to Ally financial via XXXX XXXX for that exact amount with a letter directing Ally to send the title to XXXX XXXX/ XXXX and my address. On a phone call with Ally on XX/XX/XXXX we were told that getting the title would take about 3 weeks and we should include a letter directing them what to do with the title. It has now been over six weeks and Ally has not sent the title even though Ally sent a text indicating they were processing the title/lien release on XX/XX/2020.
Product: Mortgage

I got a delinquent property tax Notice XX/XX/2020 from the XXXX XXXX XXXX XXXX XXXX Treasury Division. XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. For my property XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Parcel ID XXXX in the amount of {$970.00}. I immediately submitted to SLS Tax Department XXXX. XXXX XXXX XXXX, New York XXXX office # Fax XXXX. Via Certified mail and I uploaded to their Tax Doc site they acknowledged receipt of everything. I have been working on this Since XX/XX/XXXX and mailed the Delinquent tax notice. By XX/XX/2020. I started calling and faxing everyday and called every single day and spoke with anyone that would listen and asked to speak with a Supervisor in the Tax department XXXX and I spoke with a XXXX and a XXXX and I spoke with Customer care agents XXXX and XXXX I submitted a NOTICE OF ERROR WITH MY WRITTEN REQUEST PURSUANT TO RESPA ( 12 U.S.C SECTION 2605 ) mailed it also certified mail to them and to the corporate office Specialized Loan Servicing LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXX. I faxed to them at XXXX and I have called on a daily basis to both offices and the XXXX Treasury division. 

My taxes and insurance are paid out of my escrow account. I have approximately {$1600.00} sitting in my escrow account and they're failing to pay it. I am current on my payments and have no shortages concerning my escrow balance. The City of XXXX states it must be paid by XX/XX/2020. Or they will proceed with a Tax lien sale This needs to be paid and is causing my undue stress.This is very serious
Product: Vehicle loan or lease

I purchased a vehicle on XX/XX/XXXX from XXXX XXXX XXXX XXXX in XXXX XXXX CA. 

On XX/XX/XXXX I emailed the dealership requesting cancellation of 3 service contracts that they added on. 

On XX/XX/XXXX I visited the dealership in person to cancel the 3 additional contract that they added onto my purchase. ( On one contract it said I had 30 days to cancel and get a full refund. After which I can cancel and get a prorated refund minus {$35.00} service fee. ) On the other 2 contracts I have 60 days to cancel and get a full refund.

The dealership made me wait 2 hours and then agreed to cancel 1 of the contracts but not the other 2. The contract they let me cancel was with a company named Ally.

I signed the paperwork to cancel the one contract that they said I could cancel. 

As of XX/XX/XXXX I didn't see that anything had changed, So I emailed the dealership as well as the administrators of the contract -Ally and XXXX to cancel all 3 contracts. 

Today XX/XX/XXXX. I contacted Ally and the contract was still in force. It appears the dealership did nothing with the paperwork I signed. Ally went ahead and cancelled the service contract with me over the phone. 

I then contacted XXXX the administrator of the other 2 contracts. XXXX says that I can not cancel with them because they have never received the initial contracts from the dealer. So my dilemma is the dealer won't let me cancel the contracts that say on them that I can and the administrator company can't cancel them because the dealership is dragging there feet sending them in. Meanwhile I only have a few days left to receive a full refund on one contract and my refund continues to dwindle away on the other. The dealership has told me several times that I can not cancel the contracts because they were part of the deal. I had to buy them since they supposedly gave me a good deal. The paperwork says otherwise. That I can cancel, which is what I have been trying to do. 

To further complicate things, the dealership switched the finance company on me. So I need to be careful that when I do get the refunds, they go to the correct finance company. Not the company on the paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

On two occasions ( XX/XX/2023 and XX/XX/2023 ) I have applied for credit with Pentagon Federal Credit Union, and despite having excellent credit, both have been denied claiming that they have NOT been able to obtain my Credit report with XXXX. I also applied for credit with XXXX XXXX ( XX/XX/2023 ) and was also denied claiming they couldn't get my credit report with XXXX either. This serious error or discriminatory act on the part of XXXX has caused me great suffering because I needed to purchase construction materials for the renovation of my residence. My credit score at the time of application was over 800 points. 

Pentagon Federal Credit Union ( PenFed ) was again very irresponsible in pointing out again that I had several derogatory events on my credit history. The real reason should have been that they couldn't access my credit report, but to get out of trouble for the second time, they tell me as the reason that I have several derogatory events on my report, which is TOTALLY FALSE. My credit score is over 800, my credit history is excellent, and I have NEVER had any derogatory events on my credit record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried at least 3 times to get these inquiries off my report before making this complaint, there are 9 inquiries on my report that I DID NOT authorize and they need to be deleted. The Following inquiries need to be deleted : 1. XXXX   XXXX  XX/XX/2018 2. XXXX XXXX XXXX XX/XX/2018 3.  XXXX XXXX XXXX XX/XX/2018 4. XXXX/XXXX  XXXX XX/XX/2018 5. XXXX/XXXX XXXX XXXX XX/XX/2018 6. XXXX/XXXX XXXX XXXX XX/XX/2018 7. XXXX/XXXX XXXX XX/XX/2018 8. XXXX XXXX  XX/XX/2018 9. XXXX XXXX XXXX XX/XX/2018 I did NOT authorize these inquiries and I DO NOT want them on my report
Product: Credit reporting or other personal consumer reports

First tech has been report inaccurate information on my account and credit report. The account has been closed since XX/XX/year>. However, they have been reporting that i have non payment/late for the last 23 months which is inaccurate. I request that this account and all negative remarks connected to it be removed from my credit report. First tech also wrote it off as a loss. I was never issued a 1099c, I also contacted first tech to let them know that the original contract has GAP insurance coverage. By it not being added to the refinance when the car was totaled it left a balance of {$2200.00}. Which with the GAP full coverage the amount and vehicle would have been covered in full. According to the 15 U.S.C 1681 First Tech has violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

When l checked my XXXX credit report, l noticed that a hard inquiry was reported by CHASE CARD on XX/XX/2018 which l have no idea about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
GA XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting or other personal consumer reports

I want to file this please as my formal complaint to CARRINGTON MORTGAGE for allowing the fraudulent accounts on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Credit card or prepaid card

MY NAME IS CHIEF XXXX XXXX RETIRED US XXXX. I HAVE A WELLS FARGO CREDIT CARD ( ACCOUNT ENDS IN XXXX ) I PAID OFF THIS CREDIT CARD IN FULL IN THE AMOUNT OF {$4800.00} ON TIME AND SOMEHOW THE ACCOUNT WAS CLOSED WHEN I CALLED WELLS FARGO TO INQUIRE ABOUT THIS THEY COULD NOT WAIT TO OPEN UP THE ACCOUNT BUT REFUSED TO ALLOW THE " EARNED '' REWARDS TO STAY WITH THE ACCOUNT??? PULLING BACK MY EARNED REWARDS FOR PAYING OFF A {$5000.00} CREDIT CARD IS NOT ONLY NOT HONEST, ETHICAL OR FAIR, IT DOESN'T MAKE ANY SENSE TO ME. REWARDS SHOULD STAY WITH THE RESPECTIVE ACCOUNT NOT BE YANKED BACK MEANING WELLS FARGO MIGHT HAVE TO PAY THE REWARDS ACCORDINGLY I WOULD LIKE TO REQUEST THE ASSISTANCE OF CFPB TO VERIFY THIS SITUATION AND ASSIST ME IN OBTAINING MY " EARNED '' REWARDS FROM WELLS FARGO BANK. ( REWARDS FROM WELLS FARGO ARE NOT FREE OR GIVEN THEY ARE EARNED AND SHOULD STAY WITH THE RESPECTIVE ACCOUNT FOR THE CARDHOLDER TO USE AS THEY SEE FIT ) ... THANK YOU FOR YOUR HELP AND ASSISTANCE. RESPECTFULLY, XXXX  XXXX XXXX XXXX RETIRED
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Info 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 XXXXXX/XX/XXXX
Product: Debt collection

I ENTERED INTO AN AGREEMENT WITH AMEX THAT I WOULD PAY MONTHLY ON AUTO PAY AND THEY WOULD NOT REPORT ME AS A CHARGE OFF ; IN ADDITION THIS ACCOUNT IS OVER THE 6 YEAR STATUTE OF LIMITATION FOR NEW JERSEY. THIS COMPANY REFUSES TO GIVE ME A SIGNED CONSENT, AGREEMENT, PURCHASE AGREEMENT, RECORDED CONVERSATIONS AGREEING TO THESE TERMS. THEY ARE REPORTING ME AS A CHARGE OFF ; I DID NOT AGREE TO THIS. IF THEY DO NOT CORRECT THIS I WILL END ALL REMAINING PAYMENTS AND XXXX AMEX, THE CREDIT REPORTING AGENCIES FOR NOT REMOVING THE ACCOUNT AFTER THE 6 YEAR STATUTE OF LIMITATIONS. AMEX HAS DESTROYED MY CREDIT RATING. THEY ARE ALSO REPORTING THIS AS CLOSED BY XXXX XXXX.