23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in a XXXX XXXX XXXX Request Form to all 3 credit bureaus but received no response. I set up an account online with Experian and made 4 attempts to get a free credit report but they insist on charging me ; and their phone is automated with no helpful option that goes back to where it was before. I tried to get a free credit report from all 3 credit reporting agencies online but they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

The referenced accounts have been reporting on my consumer credit file in error 1.XXXX XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX XXXX
Product: Money transfer, virtual currency, or money service

Used the XXXX app on my Wells Fargo online account to send money to someone twice once for XXXX dollars and again for XXXX dollars they werent able to receive the money but Wells Fargo took it out of my account I called Wells Fargo and they summited a claim then sent me a letter saying there not responsible for the money that it was already processed I told them I know because Im the one out of the money but no one received it it should be there responsibility since it was there website I used
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent over an investigation request letter to Equifax XXXX and XXXX via Certified mail with proof of delivery and signature. Signed by Equifax XX/XX/2022, signed by XXXX XX/XX/2022 and signed by XXXX XX/XX/2022. I haven't received any letter about a completed investigation or haven't had any deletions based on the inaccurate info regarding the accounts listed in my letters to them. 

It has been over 30 days so they have violated FCRA and FDCPA laws also by not deleting the accounts reporting inaccurate data. In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 

They haven't notified me of any results nor was it properly investigated if so, because how would that be possible if " Last Updated '', " Worst Delinquency '', " 2-YEAR PAYMENT HISTORY '', " 30 days late '' section, " 60 days late '' section, " 90 days late '' section, " closed date '', " last activity '', " terms '', " payment status '', " balance '', are all showing inaccuracies. 

Those are MANY inaccuracies and HIGHLY damaging my credit, it has hurt and is hurting my ability to obtain credit. I provided my letters to them and then proof of my credit report pulled XX/XX/2022 circling ALL of the errors and inaccuracies on these accounts. I want to make it clear I XXXX XXXX am submitting this myself and not being represented by anyone. 

After multiple FCRA and FDCPA laws being broken I demand these accounts be removed IMMEDIATELY. 

Account Name : XXXX  XXXX Account Number : Ending in XXXX Account Name : XXXX XXXX Account Number : XXXXXXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

Almost {$3000.00} was taken fraudulently from my Wisely bank account. This was for rent and groceries. Almost my entire pay check. I called immediately when I saw the fraudulent transactions on my account. This was on Sunday, XX/XX/2023. The transactions originated form an entirely different state ( Texas ). I live in California and that's where my mailing address is listed with Wisely. I was told that the claim might be resolved within 1-2 days. Also that I would receive correspondence via mail about the claim within 5-10 business days. I called to follow up on the claim on XX/XX/XXXX. I was told that the claim would now take 30-45 days to resolve as it was under investigation. I called again on XX/XX/2023. They said the claim was still under investigation and there was nothing they could do. I called again XX/XX/XXXX on day XXXX of the business day period as I still had not received any correspondence regarding the investigation. I was told that it should arrive. Maybe Monday ( XX/XX/XXXX ). I was now told that the investigation could take up to 90 days. I've still received no money back, no correspondence and each time I call I get told different information. I asked if they could send me an email with any information about the timelines and was told by their customer service representative that they can not send emails. I am currently living off credit as such a large amount of money was fraudulently taken from my account.
Product: Credit reporting or other personal consumer reports

I asked this company to remove this account as it belong to my daughter we share the same name. 
XXXX XXXX XXXXXXXX I think It's a mix up please verify
Product: Credit card or prepaid card

My credit card was compromised on XX/XX/16 XXXX by XXXX. Citi gave me a new number and I continued to use this card. However, Citi has not credited all of these amounts. The statement that I received yesterday states that I owe {$3400.00} and I only purchased XXXX, leaving a balance not owed of {$3400.00} that I do NOT owe. I have continued to pay for my purchases since the original dates, but Citi either has not credited my account or gave the credit to someone else. After many calls and responses, Citi has not corrected my account. This includes 3 calls with my banker at 2 to 3 hours each. Two times this past year I was told that I didn't owe anything. I have read Citi 's response, but simple arithmetic says that all of my purchases have been paid and I still owe over XXXX XXXX dollars.
Product: Bank account or service

Through this complaint, I request that CFPB staff review the action taken by TD Bank in denying my Reg E-covered unauthorized withdrawal claim. I opened an XXXX account for my minor daughter so that she would have access to limited funds on a debit card. The card and the account were used sparingly. When my daughter attempted to make a teller cash withdrawal on XXXX XXXX, 2015, she and I were advised by bank staff that our account was overdrawn in the amount of {$1800.00}. We subsequently learned that my daughter was unaware that she had lost the debit card and that XXXX counterfeit checks were deposited to the account. Whomever perpetrated this fraud capitalized on the fact that immediate credit was provided by TD at the time of deposit. ATM withdrawals were then executed against the account over a 12 day span. Once we were aware that the card had been lost and the account compromised, we filed an unauthorized electronic transaction claim with TD. At the request of bank investigator 's, a police report was filed with the XXXX XXXX Police Department. 

In explicably, TD Bank has denied our claim, citing as the basis for its decision, the fact that no additional transactions were attempted after the checks deposited were returned as counterfeits and because the transactions were consistent with our normal usage pattern. XXXX 's actions in this matter are a flagrant violation of Reg E and raise a question as to whether it 's policies in this area are in conformance with the requirements of the regulation. How many other consumers have been unfairly treated as my daughter and I have been? 

I want to emphasize that the unauthorized transactions were all conducted in XXXX, NJ. My daughter and I reside in XXXX, XXXX, New York. Neither of us has ever recorded a bank transaction in XXXX, nor did we transact in the amounts and frequency noted for the fraudulent transactions. Moreover, there is no significance of the fact that unauthorized activity on the account ceased after there were no longer available funds. 

Reg E requires that a financial institution have evidence that a covered transaction or transactions which form the basis of a consumer claim were not unauthorized if it is to deny the call for reimbursement. TD Bank has no such evidence and the inaccurate and absurd reasons it offers to unlawfully deny my claim is behavior that warrants an examination by the CFPB.
Product: Money transfer, virtual currency, or money service

I bought a money order in the last year & gave it to my friend. She deposited & its bounced due to the Sigue money transfer closed their account. We emailed & called many times. But theres no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX XXXX and the primary person who responsible for this loan has died. 
I contacted with XXXX XXXX XXXX and they say this account has been closed and there is no balance.
Product: Money transfer, virtual currency, or money service

I used a multi-currency account to receive financial support from relatives and friends abroad. On XX/XX/year>, my account was deactivated. At that time, my balance totaled about XXXX XXXX USD ( XXXX USD, XXXX EUR and XXXX GBP ). I needed this money because I need XXXX XXXX. I am a XXXX  from XXXX, because my city was destroyed by XXXX shelling. These are all my savings for life and without them I will die. I already have nothing to pay rent with because I cant work due to my XXXX. On XX/XX/year> I submitted a withdrawal request, but Wise sent me a letter informing me that they had decided not to return the funds that were in my account and did not provide reasons for this decision.
Product: Credit card

Capital One Charged me a {$28.00} late fee despite being on autopay I contacted them via their silly AI chatbot with no help I need the {$28.00} late fee removed from my Capital One Credit card from XX/XX/ XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I successfully placed a temporary lift of my credit freeze with both XXXX and XXXX. Each of these lifts took 5-10 minutes to complete. 
However after wasting more than an hour on line and on the phone ( not with a live agent ), I was unable to do this with Experian. I have not received a response/call from Experian. This is infuriating - especially since they are the ones who had the big data breach in XXXX, if Im not mistaken, that caused me to enact a credit freeze!
Product: Mortgage

We opened a HELOC with BBVA on XX/XX/XXXX. XXXX contractually agreed to pay the closing costs on our loan as a " special offer. '' Under the terms of the contract if we closed our loan within 2 years, we would have to pay back the closing costs as an " early closure fee '' unless we closed the loan due to the sale of the property that secured the loan ( our house ). The BBVA agent, XXXX XXXX, also assured us verbally during our closing that we would not have to pay this fee if we closed the loan due to the sale of the property. 

In XX/XX/XXXX, BBVA bank was bought by PNC Bank and PNC assumed our HELOC and the underlying contractural terms. 

We are now in contract to sell the property, scheduled to close on XX/XX/XXXX, and our escrow agent requested a demand pay off from PNC. PNC included this " early closure fee '' of {$1600.00} in the pay off amount. 

On XX/XX/XXXX, I called PNC to inform them that we do not have to pay this " early closure fee '' because the pay off and closure of the HELOC is due to the sale of the property, and, pursuant to the terms of the contract, we do not owe this {$1600.00}. PNC refused to remove this fee from the payoff amount. I explained that we are not contractually obligated to pay it and provided them the sections of the contract to review. After several hours on hold and waiting for call backs from supervisors, they still refuse to remove this fee and we can not close the sale of our property or pay off the loan without paying the {$1600.00} that we do not owe. 

I have included a copy of the contract. The relevant sections are on page 4 and in paragraph 3 of the " Addendum to the Home Equity Line of Credit Agreement. ''
Product: Credit card or prepaid card

Dear COMENITYCAPITAL/ZALESXXXX ; ( Account Number XXXX ) I was shocked when I reviewed my credit report and found late payment on the dates below : ( from XXXX XXXX ) I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly XXXX, XXXX XXXX XXXX XXXX XXXX, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.
Product: Money transfer, virtual currency, or money service

A vicious scam happened to me from XXXX XXXX XXXX. I was deceived into a fraudulent investment scheme about XXXX XXXX. I was skillfully duped to transfer my personal savings from my checking /saving accounts at Bank of America to some international institutions used by fraudsters to fund my investment account. The funds were stolen as soon as leaving my bank accounts through wire transfers. 
The following were the dates and amounts on these wire transfers. 
XXXX XX/XX/XXXX XXXX $ XXXX Claim # XXXX {$72000.00} XX/XX/XXXX Claim # : XXXX {$60000.00} XX/XX/XXXX Claim # : XXXX I contacted Bank of America through OCC as well as CFPB last XXXX XXXX There is no formal response from Bank of America and my concern/questions were not addressed except brief statement about unsuccessful attempts of these wire transfer recalls. There was no details about where my funds went and the identities of recipients ( or fake identities maybe ). In my previous complaints to Bank of America, I listed some points of negligence and lack of fraud protection in handling my wire transfers from Bank of America. The total amount of {$330000.00} were stolen from this vicious scam. Its my life time savings and retirement funds. The authorized wire transfers were not legitimate because its a scam and fraud. I sent my money and thought it went to my investment account but instead, it went into fraudster accounts. 
I request Bank of America to investigate these transactions and provide the detailed information about my previous inquiries. What did your fraud protection department do when larger amount of funds were transferred in such short periods repeatedly? There was one wire transfer was blocked on XX/XX/XXXX by fraud department but the same receiving account were used next week without any issues and wired funds went through. Why there was no alerts and warnings, if there was suspicious activities in that checking/saving accounts previously?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax erroneously put a derogatory account on my credit report on XXXX XXXX ... called XXXX XXXX ... I have been complaining to Equifax that XXXX XXXX is disclaiming the derogatory account. I am enclosing my communication to the Equifax CEO who is completely ignoring my request, and I am enclosing XXXX XXXX to the Consumer Finance Protection Bureau. XXXX is clearly disputing that they are responsible, so that derogatory account should be removed from my Equifax immediately.
Product: Credit reporting or other personal consumer reports

Just checking in about the issue I had with my identity being stolen. I wanted to mention something called FCRA Section 605B, which is part of 15 U.S.C. 1681c-1. This section basically says that Credit Reporting Agencies have to get rid of and prevent the inclusion of any stuff that's in an identity theft report. I've sent over some documents to help out with blocking and removing those inquiries that popped up on my credit report. Below is a list of those unauthorized inquiries that showed up in my credit history : XXXX : XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have emailed, called, and sent in letters to all three credit reporting agencies to have the bankruptcies showing on my credit report removed due to how they obtained this information. They claim the court gave them this information even though I have sent in a copy of the letter from the court themselves saying that they have do not share information with any credit agencies. I have asked as recently as XX/XX/2023 with Equifax that it remove the bankruptcy from my report, but they refuse to do and keep saying that the court verified the bankruptcy. This has been going on for a couple of years now and I would like it stop. I even sent a letter to XXXX who claims that they got the information from the court, which I sent a copy of the letter stating that the statement they made was indeed false, and they refuse to remove it from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen a few years ago, and I finally deleted all the credit CARDS that I didn't open, but I haven't checked the equifax credit report. Recently, I checked the report, and the previous XXXX credit CARDS are still in my credit report! The other two credit reports are not showing up
Product: Money transfer, virtual currency, or money service

My client I work for asked me to answer a call from XXXX to verify her Venmo! I trusted her and answered the call, the man had me on the phone over an hour and had me do a fake transfer to my clients venmo, meanwhile asked me to download an app that I assume give him complete access to all my apps on my cell phone! He withdrew {$1200.00} and left me with {$74.00} to my name! I knew something wasnt right the whole time but I trusted my client and assumed this was a legit call! My I opened a fraud case with my bank and they assured me theyd get my money back to me! Well they denied my claim! Id never give a stranger that kind of money or any kind of money! Im a single mom and now I cant even afford my bills! Not to mention the XXXX thats set in due to being so harshly scammed!
Product: Mortgage

I have been dealing with Ocwen sinceXX/XX/XXXX regarding being behind on my mortgage and was never offered a repayment plan in this process. I can apply for a Hardship with my 401K Plan but need a Demand Letter or Notice with specific language as how many days or months the loan is in default, the amount I need to pay in order to avoid foreclosure proceeding and a future date in order to bring the account current. I have been corresponding the past month with XXXX, an Escalation Manager at XXXX, ext. XXXX. We spoke on XX/XX/XXXX and I stated to her that I would fax over the 401K Guidelines. I faxed over the document on Wednesday, XX/XX/XXXX in order for me to be approved for the Hardship ( I was previously denied in XX/XX/XXXX ). I was off from work for two days due to my mother pre-op appointments. I spoke with XXXX to discuss the faxed information in regard to her submitting the information for me to receive a letter and an updated Reinstatement Quote. To date, I only received a Response Letter and a Reinstatement Quote which shows different amounts that I owe. I can not submit that because the money amounts do not match. I called on Tuesday, XX/XX/XXXX and requested the same Notice or Demand Letter with the specific language. I was told that the request would be put in. Why? This should have already been put in the system. I then called on XX/XX/XXXX for an account update and spoke to a Customer Service Rep. and requested to speak to an Escalation Manager. He listened to my request of what I needed from XXXX and he noted this in the account as he stated. This is why Ocwen was sued because of mishandling of accounts. My Servicer was changed but Ocwen still services the loan?
Product: Debt collection

have tried to settle with them and they wont except what I can afford so the threaten to take legal action and keep calling when I asked them to stop. when I did get a nicer person then someone jumped in on the line and yelled at me about the debt and told me that they will take legal action yet they wont work with what I can pay to resolve this
Product: Mortgage

I applied for a {$50000.00} HELOC though PNC in order to do repairs to my house. I provided all the information necessary. After a couple weeks I received a letter stating that my financially my loan had been approved based on my income and credit score. At that time all that was pending was confirmation of the security for the HELOC. A few days later I received an email stating that my loan application had been approved.

When I called in to schedule the closing I was told for the first time I would have to pay off a private loan in the amount of {$9000.00} ( I was fine with this ) and a student loan in the amount of approximately {$35000.00}, leaving an available credit of {$6000.00}. I was told this was necessary due to my debt to income being over 55 %. I was told due to COVID-19, their regulations had changed and there was no way to go over that amount, even though all parties agreed I could pay the loan as the maximum loan amount was less that the payment on the personal loan.

Upon further review, we determined that the student loan payment being used was wrong which was improperly inflating my debt payments per month. PNC was using the contractual payment to determine my payment and not the income based repayment I was paying, as allowed under Federal Law. I provided updated figures showing my payment being made along with statements, and proof of income based repayment application being approved for 2021 and the payment though 2021. After review PNC underwriting refused to accept this information and lower the debt because I have to reapply for the income based repayment every year.

I should not be punished because I have income based repayment on my student loans.

After PNC refused to re-review I provided proof of additional income via a lease agreement for my roommate. This was provided after discussion with my loan officer who advised that the lease can be submitted as proof of income. I provided the lease per the request of the loan officer.

The loan went back to underwriting and was approved again with the same payoff conditions. When I spoke to a loan officer after I was advised that the lease income was used and the underwriter was just refusing to remove the student loan payoff even though my debt to income was now under 50 %. I requested this be escalated as PNC told me it would be removed should by debt to income fall under 50 %.

After not receiving a response to my multiple calls or my email or emails over the next day, I finally was able to get a hold of my loan officer. Suddenly the information I was provided the day before was wrong. Even though I was originally informed that the income from the lease was used, I was later notified that the lease was not used because it comes from a single family detached home and not a multiple unit home.

I have done everything I can to try and get this resolved with PNC and they have refused to follow their own offers.

They also refused to provide the survey via email and lien about a regulation for some odd reason.
Product: Debt collection

pursuant to 15 USC Section 1681i, 15 USC 1681b ( a ) ( c ) 15 USC 1681 a2ai and 15 USC 1692 G of the Fair Credit Reporting Act of 1997.

I noticed a account on my credit that I have no knowledge of this company needs to verify this debt and if it is a charge off send a 1099-C and remove it permanently from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Date XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to get the 3 credit bureau 's to get a bankruptcy off of my credit report, to no avail. I 've also tried to get XXXX XXXX updated on all three reports because it 's being reported incorrectly. XXXX is being reported twice as a primary and as a co-signer. I am the only signer on that loan and it was included in the bankruptcy.