23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I errantly made a payment from my Checking Account to my wifes Bank of America Credit Card account instead of my XXXXXXXX XXXX XXXX. After discovering my error, I called on XX/XX/XXXX to get the error corrected and refunded. The agent assured me the process would take 10 days or possibly a few more. An adjustment was made to my wife 's crdit card on XX/XX/XXXX but the refund to my checking account was'nt initiated. We called back to check the status and a Supervisor named XXXX told us that it would take at least another 30 days to process the refund back to to my checking account. It isn't right in light of the fact that Bank of America has all the information needed to issue the refund now, since they have made the adjustment on my wife 's Credit Card on XX/XX/XXXX. Where is the money? It isn't credited to my wife 's Credit Card, It isn't in my checking acount, and apparently I won't see it until XX/XX/XXXX. As straigh forward as the error and corrective action is, Bank of America is holding my money for at least 30 days and possibly 60 days. This can't be right.
Product: Student loan

I have a private student wi th Wells Fargo the payment is not affordable for me or my cosigner. We have applied for everything possible to help lower the payments. I have called on a number of occasions and have been given the run around or just left to dry. Basically they told me I should just live in a box but make sure I still make my payments. I applied for the programs offered at least three times with no h elp I even filed a complaint with corporate and nothing help. I so overwhelmed and I feel like completely giving up.
Product: Credit reporting or other personal consumer reports

I SENT A FOLLOW UP LETTERS TO EACH OF THEM AND STILL I'M NOT GETTING ANY PROOF I ALSO HAVE ATTEMPTED TO CALL CONTACT THEM BUT I WAS TRANSFERRED EVERYWHERE AND NOTHING EVER GETS ACCOMPLISHED HOW DEPRESSING IT IS?! HOW WOULD I RESOLVE THESE ISSUE IF THESE COMPANIES WHOS REPORTING IT ARE NOT RESPONDING? I HAVE NO CLUE THANKS TO MY FRIEND SHE ADVISED ME TO FILE A COMPLAINTS HERE AND SENT ME THE LINK
Product: Vehicle loan or lease

I had a vehicle loan through heights finance is XXXX XXXX  The loan term was a XXXX month loan, with a high monthly payment of $ XXXX monthly. I have reached the end of my XXXX month loan terms, but the lender is now saying they extended my loan without my knowledge or approval for another XXXX months!! I have paid almost double the amount borrowed already! Im not willing to pay another {$5000.00} or more in an extended loan I didnt approve.
Product: Credit card or prepaid card

I made a purchase from XXXX on XX/XX/2021 for XXXX USD. Chase had a promotion in which customers who made a purchase from XXXX during the timeframe in which the purchase was made would receive 10 % back on their card. This amount failed to post. 

I emailed Chase around XX/XX/2021 asking them to post the amount. They said they would investigate the matter. They never replied. On XX/XX/2021 I emailed them again asking for a reply. They said they would forward it to the proper department. The department replied that the purchase did not qualify, despite the transaction occurring during the promotion period. On XX/XX/2021 I emailed Chase again asking for an explanation of why the offer was not eligible and for the terms and conditions. Chase replied that " due to the time frame from when you offer was on your account the details are no longer available. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to log in to their website and see my credit score and report and I cant see nothing and Ive tried contacting them numerous of times and they just forward my calls or cant tell why that is happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

customer service would not help and take care of the negative inquiries reporting to my credit report.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( s ).
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$590.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is not my personal data so I didnt provide this information
Product: Payday loan, title loan, or personal loan

Good day, my name is XXXX XXXX, in XXXX I helped my granddaughter XXXX XXXX XXXX purchase a car- XXXX Kia Forte at Galeana Kia XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. The purchase price of the vehicle was {$22000.00} financed by First Citizens Bank. At the time XXXX had little to no credit so I placed her name on the loan to help establish her credit, so then her name was also on the title. The payment was {$380.00} per month and for the first 10 months she made pretty much on time. Un-be knowing to me she lost her job and stopped making payments on the car, also the insurance was cancelled because of non-payment. On XX/XX/XXXX I received a letter from the SCDMV  that the insurance was cancelled XX/XX/XXXX on the Kia Forte, since her name was on the title, she had her own insurance on the car with XXXX XXXX. I had to pay a fine of {$140.00} for the lapse of insurance, I also reported the tag lost or stolen the same day I paid the fine on XX/XX/XXXX. XXXX XXXX XXXX name was not on any letter I received from XXXX, only my name XXXX XXXX XXXX. 
After this to keep my credit in good standing, I refinanced the car with South Carolina XXXX XXXX XXXX, at this time I still dont have the car, because her name is still on the title. The loan officer with the XXXX XXXX told me it would take around 30 days to get the title back and I had already put insurance back on the car when I paid the lapse of insurance fine. When First citizens bank received the title, they released the title to XXXX XXXX XXXX instead of South Carolina XXXX XXXX XXXX, which was stated on the pay off information sheet. Therefore, First Citizens should be held responsible for the amount stated on the check and in the letter at the time of payoff of {$20000.00}. I XXXX XXXX XXXX, never received the car or title but both were released to XXXX XXXX XXXX. Thank for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Professional Debt Mediation opened 2 accounts on my credit report on XX/XX/XXXX for the amount of {$5500.00} and {$1900.00}. These accounts have been reopened for the same account on XX/XX/XXXX. I reached out to the company and have received no explanation. I have disputed these accounts because they were included in a bankruptcy years ago. This company was notified that they were included in a bankruptcy At this point I feel as though this Collection Agency is just targeting me. Something has to be done to stop this. I am asking that these 2 accounts be removed from my XXXX, XXXX and XXXX XXXX XXXX 15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I believe that this agency has violated this law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that I was receiving a bill from XXXX specifically XXXX XXXX  XXXX bill. I initially thought it was some fake bill because I have never opened a credit card from XXXX store. I noticed the bills again in the next XXXX months. I noticed my credit score going down, thats when I logged into XXXX, and XXXX to check where I found a number of revolving accounts, credit inquiries from banking institutions which I never requested for. I immediately called the credit bureau companies to report fraud on those credit inquiries and fake credit accounts opened under my identity. I was unable to free my XXXX  credit due to website errors but I will be calling them during business hours. 
In XXXX credit bureau reporting I saw the following credit cards opened in my identity which are not mine - XXXX. XXXX with a balance of {$8700.00} I also got hard inquiries from the company In XXXX credit bureau I saw the following credit cards opened in my identity which are not mine - XXXX. I also see CAPITAL ONE account ending XXXX XXXX balance of {$8700.00} I also see a hard inquiry - CAPITAL ONE/XXXX XXXX I have not opened the above credit cards neither have I requested hard inquiries from any of the above companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX  XXXX  ( Original Creditor : 08 XXXX XXXX  ) - XXXX XXXX/XXXX  - XXXX XXXX XXXX XXXX  - XXXX XXXX/XXXX  - XXXX XXXX  XXXX - XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) - XXXX ( XXXX Creditor : ) XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX  XXXX, I ( Original Creditor : XXXX  XXXX XXXX ) - XXXX
Product: Checking or savings account

On XX/XX/2021, an unauthorized debit of {$290.00} was debited to my Bank of the West checking account. I didn't have any knowledge of the unauthorized debit and I didn't receive any benefit from the unauthorized debit either. So I reported it to my bank and they provided me with the provisional credit of {$290.00} to my personal checking account on XX/XX/2021. However, on XX/XX/2021, my bank notified me of the credit reversal with the conclusion that there was no error. Subsequently, on XX/XX/2021, my bank debited the provisional credit from my checking account. I completely disagree to their conclusion and I would need to get protection from the Regulation E.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account # : XXXX Account Name : XXXX Account # : 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 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 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: Mortgage

We applied with Wells Fargo to refinance our exiting mortgage with them on XX/XX/2020. All of the required documentation has been submitted. Since application, our appraisal and credit report have expired. In addition, our rate lock has expired. 

Wells has offered little to no explanation as to the delay. Our loan officer escalated our complaint but we still are receiving very little information. we would expect the loan to take 45-60 days to close in our situation - existing customer, financing 1/2 of the property value with no cash out, excellent credit. Since the loan has taken longer, we've paid Wells Fargo an additional $ XXXX/month in interest ( income to them ). It seems they are not inclined to get this loan closed in any reasonable amount of time. 

I also expressed my displeasure of them having to pull another credit report since that will affect our credit score. They seemed unconcerned.
Product: Debt collection

This company is not licensed in Illinois to collect on a debt. The Illinois collection agency act ( ICAA ) requires that all debt collectors must have a license before being operational. The law also has a clause that regulates how a debt collector contacts a person and how they can communicate with them.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , INC ) due to inadequate service and unfair practices, which violate the Consumer Financial Proctection Act. ( CFPA ). Specifically, Cash App, failed to take timely and effective measures to prevent and address fraud on their platform. Leaving my account vulnerable and unprotected. Furthermore, their dispute resolution procress was unfair and deceptive as the didn't comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. The actions have caused significant inconvenience, financial loss and stress. I seek appropriate redress.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 alleged fraud or extortion XXXX XXXX XXXX XXXX Balance : {$9300.00} ; XXXX XXXX XXXX XXXX Balance : {$5400.00} ; XXXX XX/XX/2022 ; XXXX XXXXXXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX  XX/XX/2022.
Product: Money transfer, virtual currency, or money service

I am filling out a complaint against Cash app ( Block, inc. ) due to inadequate customer service and unfair practices, Which violates the Consumer Financial Protection Act. Specifically, cash app failed to timely and effective measures to prevent and address fraud on their platform, Leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.These actions have caused significant inconvenience financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$80.00} XXXXXXXX XXXX XXXXXXXX Balance : {$2200.00}
Product: Mortgage

I fell behind on my mortgage because my monthly payment increased from {$1600.00} per month to {$4700.00} per month. I hired an attorney to help me submit a request for a loan modification and my full application request was sent to Nationstar Mortgage. I was denied for a loan modification on XXXX/XXXX/2016 by Nationstar Mortgage. The reason given was due to " Investor does not allow loan modifications. '' They also state the investor / owner of my loan is XXXX XXXX XXXX, XXXX My attorney states that XXXX XXXX XXXX XXXX . does offer loan modifications and Nationstar Mortgage does participate in the Making Home Affordable program. Therefore Nationstar Mortgage is obligated to contact XXXX XXXX Bank and ask them to waive the restriction to allow a loan modification on my loan as an exception. 
I looked up online with the XXXX web site and it says ... '' If a PSA contains such a restriction ( not to allow loan modifications ), the servicer MUST make " reasonable efforts '' to get the investor to waive the restriction. Meaning Nationstar is supposed to contact the investor of my loan, XXXX XXXX XXXX XXXX, and ask them to waive the restriction to allow my loan to be reviewed for a loan modification. I do not believe they have made any effort at all to ask my investor to waive this restriction. According to the HAMP participation agreement, my attorney states Nationstar has an obligation to do this. They have not. 

Their letter simply states due to that restriction, " Nationstar, as the servicer, can not evaluate you for a loan modification ''. It says nothing about contacting XXXX XXXX XXXX to ask for that restriction to be waived and I am certain they have n't made a reasonable effort to contact them. 

I do not believe Nationstar Mortgage has made any effort to ask the investor of my loan ( XXXX XXXX XXXX XXXX ) to waive the restriction " not to modify ''. My attorney states Nationstar Mortgage ( and XXXX XXXX XXXX, XXXX. ) are both participating in the Making Home Affordable Program and therefore Nationstar Mortgage MUST make an effort to ask the owner of my loan to waive the restriction and review my loan for HAMP or regular loan modification. I do not believe for one minute that there is no help for someone who 's mortgage payment increased from {$1600.00} per month to {$4700.00} per month. This is absolutely outrageous, unacceptable and predatory.
Product: Debt collection

Paid XX/XX/2020 Amount XXXX They stated they would remove from my account
Product: Vehicle loan or lease

As of XX/XX/2023 my account on my vehicle was 35 days past due. On XX/XX/2023 the vehicle was repossessed without notice. After paying over $ XXXX on the vehicle
Product: Checking or savings account

On XX/XX/XXXX I notified Wells Fargo that someone was using my debit card fraudulently. Part of the fraudulent transactions were credited back ( {$240.00} ),  however the following transactions have not been refunded to me as of XX/XX/XXXX : Transaction Date- Amount- XX/XX/XXXX {$4.00} XX/XX/XXXX {$18.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$7.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$1.00} XX/XX/XXXX {$4.00} XX/XX/XXXX {$59.00} The total of the transactions was {$130.00}. I called Wells Fargo on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and twice on XX/XX/XXXX. Wells Fargo has refused to give my money back from from the fraudulent charges on my debit card. My Wells Fargo claim # is in the attachment. I have had the same checking account since I was XXXX years old so I have had my account 29 years. Wells Fargo is refusing to refund my money but they advertise a " zero liability '' program with their debit and credit cards. I am asking for assistance in recovering my money as I have spent countless hours on the phone trying to resolve this matter with no results.
Product: Payday loan, title loan, or personal loan

I put a valuable item into XXXX XXXX XXXX on XX/XX/2020. I returned one week later to retrieve my item and the store was boarded up. I reached out multiple times and got through eventually to an 800 number where a customer service representative was unable to tell me anything about the status of my property and put in a request for a district manager to call me. This was XX/XX/2020. On XX/XX/2020 I still had received no contact from the business and I called customer service again. This agent also put in a note for a district manager to call me- I emailed the customer service email on XX/XX/XXXX and was told the store had been broken into during civil unrest. I was then told that there is no way for me to call or to retrieve my item or even know about the status on whether or not my item was even secure at the time this store claims to have been broken into. Today is XX/XX/2020.
Product: Credit card

Back in 2014 I applied for a college credit card while I was attending XXXX University in XXXX New Mexico. The card was mailed to my old home address in XXXX New Mexico. I never got possession or activated the card. Within a few days it gathered a bunch of charges on the account that were not authorized because I had never even received the card. I called wells fargo to report the card stolen the cancelled the card but never got back to me about the charges.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been denied twice because the credit bureau has incorrect information regarding my total debt owed. My mortgage company, XXXX XXXX has denied my request for loan I requested. I do not XXXX in debt. My person loans were paid off and I have no auto loans, those loans were paid off also, which the credit bureau failed to report. I am requesting the mortgage company to reconsider my request.
Product: Credit reporting or other personal consumer reports

TRANS UNION, XXXX, and XXXX allowed several financial institutions to make inquiries on my credit report without my prior authorization. My prior authorization and expressed written consent is always required. Otherwise inquiries being made on my credit report without consent or authorization is considered identity theft. I will not allow any company to commit any crimes against me using my identity and the likeness thereof. My privacy always comes first and it is my XXXX given right to have privacy at all times. Here is a list of the unauthorized inquires : 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 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: Mortgage

Advised by Wells Fargo Home Mortgage that my loan modifications in XXXX XXXX and XXXX XXXX were " not converted in a timely manner. Also, the loan modification for XXXX was completed with a " 40 years '' payout. I received two ( 2 ) letters from Wells Fargo dated XXXX XXXX & XXXX XXXX advising me of the errors i.e., six ( 6 ) years after my first loan modification of XXXX. There was no credit adjustment issued on the first modification i.e., XXXXand {$470.00} credit issued on the second i.e., XXXX XXXX which was deducted from the principal balance