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

I was brainwashed and scammed by a con artist who I met on XXXX. He entangled me in a money exchange scheme with my XXXX and Navy Federal accounts. He talked with me everyday for 1 1/2 years then got me to wire him money and also lied about money he transferred on my credit card. It ultimately cost me ~ {$41.00}, XXXX dollars and I had to file bankruptcy XXXX of 2017. 
I now have a potential for fraud risk notation on my consumer report. I filed a police report and had to subsequently file bankruptcy. This has devastated me financially and emotionally. I never thought a person would be bold enough to scam or be dishonest on a military account. I feel stupid, ashamed and guilt. I have never committed fraud and was scammed out of my financial future.
Product: Credit reporting or other personal consumer reports

I was a victim of XXXX XXXX I checked my credit report and saw that there were several accounts reported that are not mine. I reached out to the FTC and filed a report and sent it over to the bureaus but the have not investigated thoroughly because they removed some but not all the fraud accounts. That's my reason for this complaint
Product: Debt collection

I received a letter on XX/XX/XXXX, from Jefferson Capital ( dated XX/XX/XXXX ), alleging that I owe a debt that to XXXX XXXX XXXX for {$380.00}. I had XXXX in XXXX and early XXXX, so I sent them a validation letter on XX/XX/XXXX. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX, advising I had 14 days to tell them what I was disputing. I have never received a response from Jefferson Capital. This is interesting, because I asked Jefferson Capital to validate the debt and send me a copy of the written agreement bearing my signature, to provide all the contact information regarding the original creditor, provide proof of the amount and age of the alleged debt. Is XXXX XXXX XXXX the same as XXXX XXXX XXXX? Because my credit report is showing XXXX XXXX XXXX  I am unclear as to if this is the same company which is a violation of the law. 

A day later ( XX/XX/XXXX ), I received another letter ( dated XX/XX/XXXX as well ) with some statements from XXXX, XXXX, XX/XX/XXXX that had my name on it sent to a po box in Georgia that I do not recognize from XXXX XXXX XXXX, but they have yet to provide the original contract, or any original agreement with my signature that created a requirement for me to pay the alleged debt. I was living in in Arizona at the time these invoices were created. 

A week later ( XX/XX/XXXX ), I received another letter dated XX/XX/XXXX from XXXX XXXX XXXX, stating that they are unsure of what my dispute is about. 

On XX/XX/XXXX, I received another letter from XXXX XXXX XXXX, advising that I was not specific with my dispute. 

I do not not recognize this alleged debt that is being reported on my credit report and so I sent another letter asking them to validate the debt by providing the original written agreement bearing my signature for the 2 accounts showing up on my credit report. I have not received it. 

At this point, they are sending me letters every 2 days and it is becoming harassment.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I applied for refinancing on an auto loan with Lending Club and was told the rate would be 2.49 % The payoff on my current loan was XXXX WHEN IT CAME TIME TO SIGH THE LOAN THE LENDING CLUB SAID THE RATE WOULD BE 3.4 % THIS IS BAIT AND SWITCH THEY NEED TO BE INVESTIGATED AND FINED!
Product: Credit reporting, credit repair services, or other personal consumer reports

1. The following personal information is incorrect XXXX XXXX Bankruptcy Case Number : XXXX Please remove this inaccurate information from my credit report. 
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The following personal information is incorrect XXXX XXXX  Bankruptcy Case Number : XXXX Please remove this inaccurate information from my credit report. 

1. The following personal information is incorrect XXXX XXXX Bankruptcy Case Number : XXXX Please remove this inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REVIEWING MY CREDIT REPORT I FOUND SOME ACCOUNTS AND INQUIRIES REPORTING ON MY CREDIT FILE THAT DOES NOT BELONG TO ME. THE ACCOUNTS AND INQUIRIES DOES IS NOT AFFILIATED WITH ANY TRANSACTIONS THAT I HAVE ME. THE ACCOUNTS AND INQUIRIES WAS NOT AUTHORIZED BY ME. I AM ASKING THAT YOU PLEASE LOOK INTO THIS MATTER AND HAVE THE ACCOUNTS AND INQUIRIES REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I requested to get these hard inquires off my credit report that is hurting me I did not apply for credit and there where no contract of me signing for these inquiries
Product: Credit card

I arranged my monthly balance payment for my Sam 's Credit Card in XX/XX/2023 and the payment never processed on their end and they never notified me until I couldn't use the card to pay for a merchant. 
I contacted me and told me it was still processing. The card was charged a late fee. I was told it processed and now they are telling me it was scheduled until XXXX even though I submitted it twice. I can not make payments through their system or their customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting that I lived at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I have never lived at the is address I have lived at XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX They are reporting a fraudulent account that does not belong to me and I want it deleted immediately. I have attached proof of address.
Product: Credit card

XXXX XXXX I purchased an outdoor carport was the only thing I purchased .. it started falling apart so I contacted the warranty and they sent shipment labels to ship it back for full refund I had my neighbor there when the XXXX  picked it up make sure they took everything which they did and XXXX  cant find it and the warranty place never got it and now they have closed my account and want me to pay for something I dont have
Product: Credit card or prepaid card

I had a Wayfair card some years ago. At some point, Wayfair discontinued their card, but Comenity bank took over and looks like they created accounts for everyone who had a Wayfair account. 

I do not recollect activating my new Comenity account. I called Comenity and one of their associates confirmed that somehow my account got activated. Someone used my card for fraudulent purchases in XXXX. I was located in XXXX  at the time. Subsequently I moved to XXXX XXXX  and then on to XXXX. While in XXXX, I received a bill for purchases I did not make. Their customer service reps also made several calls to me to ask me to pay for the bills. I made several calls to Comenity and after long wait times sometimes exceeding 40  minutes, they opened a fraud investigation into this. Subsequently I kept receiving bills for payment and calls and each time I called them to ensure I was not being charged for these fraudulent purchases. Each time they assured me that the investigation was underway. Then today I received another bill from them for late payment charges and a call from their customer service. I'm not confident this company is acting in good faith. 

During my calls with them their fraud department did tell me that other customers were also impacted by this issue. So this issue seems to be more wide spread.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove the items that are UNKNOWN to me. I needed the following items to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive already included the items in my previous Complaint & I am including them once again.,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX BANK XXXX, account # XXXX and XXXX XXXX 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 my written instructions
Product: Checking or savings account

i am writing to file a complaint against navy federal credit union regarding multiple overdraft fees i have incurred. despite having sufficient funds when transactions were authorized i was charged fees due to lagged posting of charges and credits this issue aligns with the recent cfpb findings against navy federal for similar practices where transactions settled with insufficient balances despite initially available funds i believe these practices are unfai and request an investigation into my account transactions.
Product: Checking or savings account

My Bank account was compromised and money was withdrawn without my knowledge
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX. 
XXXX, NC, XXXX I have informed this debt collector, Credit Collection SVCS, in writing that during the validation process this alleged account should not be on my consumer report since it has not been validated and contains inaccuracies. Yet, this alleged account that has not been validated and contains inaccuracies is still reporting on my consumer report, which is an act of fraud. I can only assume that this is also an act of constructive fraud against me, a consumer, being that the reporting of this alleged account is in violation of the FCRA, FDCPA, and is a defamation of character. As a consumer I am requesting that Credit Collection SVCS removes this invalidated and inaccurate alleged account immediately. 

I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. Being that you are the information furnisher I am also aware that it means you are subject to the regulations of the FCRA, and oftentimes creditors, have a tendency to say that they are required by law to report alleged accounts to a consumer report, which is incorrect and misleading. Legally, you do not have the right to furnish anything to my consumer report without my written instructions to do so. Also, no consumer report should include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. A consumer report should also not include information solely about transactions or experiences between the consumer and the institution making the report. Please review the copy of the FCRA from the FDIC for your recollection.
Product: Student loan

I was approved for a refinancing of my existing student loans by Earnest , Inc. Upon signing the loan documents, I was informed that i needed to get a " 10 day payoff '' quote from my existing loan servicers, and that Earnest would hold the loan funds for 3 days, then send my existing loan servicers a check, which would take about 7 days to clear, thereby closing those loans. After several days, I was notified by Earnest that they were suddenly backlogged, and unable to disburse funds on this loan for 45-60 days. My worry is that they are out of cash. I am hoping that the CFPB can require Earnest to disclose their inability to fund loans in a timely manner to consumers BEFORE they enter into loan agreements. I am also concerned that Earnest may not be complying with the law and/or relevant regulations regarding capital requirements for lenders.
Product: Mortgage

Have called the negotiator and manager assigned to the loan XXXX times total, XXXX voicemails left for the negotiator and XXXX voicemails left for the manager and have not received a call back. 

This started XXXX XXXX 2015 and I still have only spoken to the manager XXXX XXXX once since then on XXXX/XXXX/15. I have left XXXX voicemails for the manager XXXX XXXX since then and still have not received a call back, it 's complete negligence. 

The other problem and the reason why I 'm trying to reach the manager in the first place is Shell Point did an appraisal on the property at {$280000.00}. Our short sale offer is at {$280000.00}. It is a HAFA short sale which requires {$12000.00} to go to the second and {$10000.00} relocation assistance to go to the seller. They told us that the offer would have to be at {$290000.00} or we 'd have to negotiate the second down to {$2000.00}. This is against HAFA guidelines and the lender is " bending the rules '' to gain a higher net to their balance. 

We need this looked into and resolved, unfortunately all the CFPB has done for us in the past is reach out to management at the lender and take their word as bond and kick it back to us but I figured it 's worth a try to see if the CFPB will do something for once.
Product: Mortgage

I have been attempting to get my home sold on a short sale for 21 months. I keep submitting complains and they respond but it is not resulting in an approval letter for any of the short sale offers being Approved. The latest issue is the bank did a BPO about 2 months ago and it came back at XXXX and we had a short sale offer for XXXX and the bank rejected the offer saying they want a counter offer. How can you reject an offer on market value and you are the one that determined the market value? This is outrageous! The other issue is that it take almost 3 or 4 weeks to get an approval or rejection letter. We have already lost one buyer because the approval process takes so long. We just submitted it again today ( X/XX/2017 ) telling them that the buyer is not going to pay over market value for this property.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following collections accounts are fraudulent and not my accounts : XXXX XXXX XXXX, $ XXXX and XXXX XXXX, {$290.00}, XX/XX/XXXX. I been receiving numerous phone calls of harassment, threatening, abusive, unfair and deceptive language. The above creditors are in total violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my report from XXXX XXXX that has not reported new information since XXXX 2022. There are now TWO accounts on my credit report from XXXX XXXX, even though I only hold one line of credit. The should not be two accounts on my credit report from XXXX XXXX, and the correct balance is XXXX DOLLARS.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

myloancare.com is experiencing issues and this is not the first time. You can't reach them via phone or email and their website is not working.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the XXXX previous written requests, the unverified items still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Credit card

My physical credit card was expiring earlier this year ( acct then ending in XXXX ) and a replacement card was sent to XXXX XXXX  Ct by mail sometime in early XXXX, but I never received the card. 

XXXX or so in the morning of Sunday XX/XX/XXXX I received a text from Wells Fargo about fraudulent activity on my card, and I called Wells Fargo to cancel the card. At WFs recommendation I then cut up my copy of the card, which was not the ( newly issued ) physical card used in the fraud, which I never received in my mail. 

Initially {$1300.00} was refunded, but upon further investigation I noticed charges that werent caught by Wells Fargos fraud detection team. Looking back on my records, the transactions in question are a XX/XX/XXXX transaction for {$86.00} at an XXXX in XXXX, and a XX/XX/XXXX transaction for {$180.00} at XXXX in XXXX XXXX. This brings the total fraud that I can tell by looking at my CC statement to {$1500.00}. 

When I reached out to point this out, all the initial refunds were rescinded and I am again missing all the initial money that was stolen. ( {$1500.00} ) Ive since appealed this three times, and been denied by WF for reasons I can not understand. 

On XX/XX/24 I filed a police report with the XXXX precinct in XXXX to report the stolen card and Wells Fargos lack of cooperation with this matter. 

The police report number is XXXX, an officer has told me they would email the report to me and I will fax it along when I get it.
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. 
Im writing this letter to inform your department that I was the victim of identity theft. Per Fair Credit Reporting Act Section XXXX ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer.If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block this account I will be referring this matter to my attorney for further action. Please do not make this a litigious matter Please note that you have XXXX business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX Date XXXX XXXX XX/XX/2013 Balance : {$2900.00}
Product: Student loan

This company keeps providing inaccurate information about my student loan and sends inaccurate communications. They have repeated attempted to steer my loan into forbearance instead of refinance or a new payment plan. They send me erroneous communications and threats on a regular basis. I have had to block them from contacting me via my cell phone due to abusive practices. At one point someone even contacted my employer and tried to discuss my student loan with my supervisor. I need the abuse to stop. I filed bankruptcy but that wo n't make this loan go away. I am attaching just one of their communications, where they make a threat to report my loan to the credit bureaus. Firstly, they are already doing this, secondly, they state to call them by XX/XX/XXXX to discuss other options, but sent this message on XX/XX/XXXX.
Product: Consumer Loan

the lease with american honda finance was discharged by chapter XXXX on XXXX and they were reporting to XXXX correctly theu XXXX but on XXXX they removed the chapter XXXX discharge and started reporting current late or missed payments, i have disputed with XXXX but they only answer that american honda finance claims that they are reporting correctly and only america honda can make the change no matter what documents i provide such as the chapter XXXX discharge of american finance. i have sent letters to american honda and they never respond. i am in the process of purchasing a home and this is causing a problem
Product: Money transfer, virtual currency, or money service

I've been attempting to link my debit card ending in XXXX to my Bluebird account, I've received an error message stating to call customer service. This error has persisted over several days now, customer service reps have given me three different answers for error message. Answers include, I need at least a dollar for processing fee to link card, my balance was at XXXX at that time ... Two other answers include there is a system error/that part of site is down, this is as of yesterday, XX/XX/XXXX ... .Third answer is that my bank is declining transaction, the error is on their end ... .Ive called my bank, they are not denying it and show transaction as posted then refunded back.. I called yet again earlier this evening, was told there is actually a block on my account preventing adding funds via debit card. The only reason I can think of for this is that I am currently disputing two items from XXXX on XX/XX/XXXX, for fraud, XXXX will not investigate on their end and keep referring me to Amerex. I do not see what the investigation has to do with me adding funds via debit card and or why there is a restriction on account.
Product: Debt collection

Received excessive calls a day 18 calls last week alone. I have a bankruptcy filed chapter XXXX. This is a violation of law
Product: Checking or savings account

Online platform is old and clunky, the use of XXXX using text is equally outdated. The code to log into my account is either never delivered or delivered 6+ hours later. Being locked out of my own account for almost an entire day and not be able to access it when I need to is not acceptable. Their team must lack the knowledge to tackle the known technical challenge of making XXXX with all phone carriers work properly. PNC should either have solid knowledge of XXXX XXXX to create a stable platform or use a stable product for XXXX such as XXXX authenticator that bypasses the need for text. 

When I called to address the issue, first I was routed to the wrong department and had me on hold for over 10min to realize this. Then was routed to " online banking '' which is what I had selected in the first place, agent hung up and did not call back.