23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I made 2 orders from XXXX within a few minutes of each other .on XX/XX/XXXX. 

On XX/XX/XXXX, nd they still said " Pending ''. This is very strange usually within XXXX XXXX they are approved. I got ahold of XXXX. The girl said Wells Fargo has not approved the orders. I said to her " well they sure have already deduced my money from my checking acct on XX/XX/XXXX. " I felt upset with Wells Fargo so I said just cancel my orders. So she did. She suggested I call my bank, so I did and opened a claim. XXXX XXXX XXXX XXXX All was fine for a couple of days or so I thought. Then I called Wells Fargo back and said when is my money going back in. 

I was transfered to differant people who all gave DIFFERANT stories to me. One tried to say it was never taken out, I know it was!! One said it was already back, nope I can add and subtract it was never put back in!! At that point Claims people became rude and nasty to me. When I said the bank has made a big mistake .I want my money back into my checking account. " This is from my XXXX XXXX XXXXXXXX XXXX. If you do not give it back I am reporting Wells Fargo as it is illigal by Federal law to steal a person 's XXXX XXXX money!!! " ( Personally I feel this is a computer glitch issue. XXXX did get the money .BUT after I did the cancelation of my 2 orders. 

**** They gave me the Return Authorization XXXX XXXX for XXXX AND XXXX for {$17.00} totals ... {$68.00} That Wells Fargo owes me !!! **** I am a XXXX XXXX XXXX XXXX XXXX XXXX I do not do online banking. But I do use the Automated System that you call on the phone to balance my acct. 

*** At first it said about my 2 withdrawals coming out of my account the {$51.00} and the {$17.00} and the Pending credits back. 


BUT ... Then after I spoke with the nasty Supervisor. She did somthing that deleted the transactions coming out of my acct and the Pending credits going back in!!! 

I recieved a letter today XX/XX/XXXX th that they closed the case on XXXX XXXX XXXX XXXX. Like XXXX XXXX after I opened it!!! 

I am a XXXX XXXX XXXX XXXX with only a XXXX XXXX XXXX XXXX to live on. My {$68.00} is alot of money to me and I need and want MY money back into my checking acct. 

Some very illigal things have been done to me surrounding this Claim and I want it fixed.!!! 

I have been with Wells Fargo for XXXX XXXX and had my XXXX and XXXX direct deposit with WF for many years. In the past the claims depts has been very nice and helpful to me. But in the last XXXX  years I do not know what is going on with my bank. They are really going downhill. 

Why does WF want to keep my {$68.00}. ( Gosh we are not talking about a mistake of 1000s of dollars. ) Just XXXX after all. But it is MY money and I want it back into my checking. 
I run out of money to even buy food by beginning of 3 rd week of the month each month XXXXThen I must go to XXXX XXXX. And the bank steals my {$68.00}.
Product: Vehicle loan or lease

XXXX XXXX XXXX it for a down payment of {$1000.00} auto retail installment transaction of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX falsely states that I made a down payment which it not true and lie in the contract with Global lending service which a Violent of usc 16- 33 Violation 15usc 1635 right of rescission
Product: Money transfer, virtual currency, or money service

I referred my wife XXXX XXXX ( XXXX ) who opened a Venmo account and fulfilled the terms for the referral on XX/XX/16. But we never got the referral bonus. Customer service has stopped replying to her emails and when I ask them they give me the runaround by asking my wife to contact them.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items DELETED from my credit reports effective immediately. I am attaching prof that XXXX has admitted that I was in fact a victim of this data breach. Please help me delete these illegal accounts from my credit reports. XXXX has already deleted the identified accounts from my credit report due to the data breach. 

XXXX Acct # XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX 
Acct # XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX
Product: Student loan

I have been paying this loan for many years. Then my school closed and now I don't have access to get any copy of my transcripts or anything. I can get records that future jobs require and no proof I graduated. This is horrible and a true financial burden on my life.
Product: Credit reporting or other personal consumer reports

I recently filed a dispute with experian regarding fraudulent accounts and successfully had them blocked and removed. However a few days later I noticed that a few fraudulent inquiries remained on my report and decided to call in and dispute the inquiries. This created a completely unrelated dispute from the previous accounts, however the representative took it upon himself to place me on hold and reffer back to the prior dispute and delete an accurate account without my knowledge or consent. Just disputed the account on his own. This account was my bank XXXX XXXX 100 % paid off XXXX loan, the prior dispute listed a bank XXXX XXXX credit card which was already removed and displayed completely different account numbers. When I noticed this I called and was on the phone with fraud XXXX XXXX ID # XXXX for XXXX and XXXX minutes only to be told that basically I have to '' contact bank XXXX XXXX XXXX my own to fix the error and I was at fault because i didn't specify the account details in my dispute letter ''. This statement is a complete lie and the response is completely unacceptable false and offensive. I asked for a supervisor whom I was told wasn't available and was never given a call back.
Product: Credit card or prepaid card

XX/XX/XXXX at approximately XXXX I reached out to Citi Credit Card. Made a payment to get my card under balance. The reason my card was over was negligence on the banks part of moving money and locking it up for 7-21 days from my checking to my credit card which was unauthorized and has been proven as per documentation submitted to this site previously. Earlier this year I was told that based on their error the account was suspended and that the credit card could not be used at all. So I cut it up, but still worked toward cleaning up the account. Later I was told that the other person shouldnt have told me that and that the card would be usable wants the investigation etc was complete, and the card was under the balance. I called today when the account was below balance and requested a card. I was told that I had to call the credit bureau and add my phone number to the account. The lady giving me this information couldnt tell me why I had to call or which credit bureau. I had to dig in to get why and which bureau to calm. As a best practice I informed her that I was recording. She went wild telling me their recording too and yelling back at me. Very unprofessional. In short. The credit bureau already had my phone number on file. No one wants to send me a card. I took the freeze off my credit in case that was the problem, but nothing. These people made some really bad mistakes and now when I call they do everything they can to send me in circles never really helping me.
Product: Vehicle loan or lease

The put forced placed insurance on my vehicle. I worked it out back dating the info they did not have. I had done it multiple times and they were still charging the extra money in which I was paying. They placed repossession on the vehicle and charged the money that was already paid out for this insurance to get the vehicle out. 
They did not take responsibility or refund my money to me they put it all on my loan which I couldn't afford at the time and had to borrow. I am now a year and a couple months ahead of payments and am questioning why I did not even get offered my money back and how there system has failed over and over placing insurance on a vehicle my insurance company has documentation of all emails they were receiving and falsely charging me. And no one to answer why they have taken this extra money after time stamped calls and emails recorded calls.
Product: Mortgage

Carrington MS has never provide me with a a copy of their policies and procedures as a transferred mortgage which originated with XXXX XXXX XXXX to Carrington MS in XX/XX/XXXX I have never been given in writing what their policy is on blocking mortgage payments so the homeowner can become current. 

In addition, I have never been notified in the mail or received a phone call from Carrington MS that they needed to speak to me or that there was a risk of foreclosure. I made two payments in XX/XX/XXXX and they were not rejected. I did not realize there was a problem until my payments were returned that I sent through XXXX XXXX on XX/XX/XXXX Carrington Mortgage never sent me a letter of explanation of refusal of payments and I did not find out until I received mail of XX/XX/XXXX Lastly, the amount of the late fees have fluctuated over the months have been increasing with unknown fees still being claimed to be from my previous mortgage servicer, XXXX XXXX XXXX being added which was suppose to have been resolved previously in a closed case in XX/XX/XXXX.
Product: Mortgage

I came across an article where the CFPB settled with Specialized Loan Servicing on XXXX XXXX. Regarding violationing the Real Estate Settlement Procedures Act ( RESPA ). I filed a complaint with CFPB regarding this same situation.XXXX Now once again SLS is trying to forclose on my home but I have received no compensation on my loan regarding the settlement they are to implement to help borrowers. Attached is a letter from our attorney at the time stating the violation. It has been a constant struggle to get any help from this mortage servicer. We resently applied for the Georgia Mortgage Assistance program and finally after about a year qualified to receive XXXX. My application was denied, however we were told only because the Georgia Mortgatge Assistance can only pay up to {$50000.00}. The Georgia Mortgage assistance sent me a form on XXXX XXXX to fill out and submit to the mortgage company. The form is attached to this complaint. I was told once the mortgage company fills out the form and sends it back to me then the Georgia Mortgage Assistance would reactivate my file request another V record and continue trhe process of getting the money allocated. SLS has since moved to forclosure proceedings. I would like to know what they intend to do regarding violating my Respa. How do they intend to help me since they clearly have now been held accountable for their actions.I believe that back XXXX Specialized Loan Servicing violated my rights and I would like to get my situation resolved.
Product: Money transfer, virtual currency, or money service

XXXX XXXX account # XXXX routing # XXXX XXXX money was taken out of my account from Zelle that I didnt authorize
Product: Debt collection

Never moved in to the apartment. I requested apartment complex to terminate the contract just 23 hours after signing it off online. I paid for the first month.
Product: Credit reporting or other personal consumer reports

i would like the following inquiries removed from my credit report because I did not authorize the following companies to pull my credit report. You are fine. Many of these are duplicates,. I also have a letter from my mortgage company saying that there was an external data breach. 
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 XXXX XXXX XXXX XXXX XXXX TransUnion 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The accounts below were not completely deleted. A previous complaint was made however, a select accounts were deleted/removed. 

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 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four 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 company information. 
Please delete the following : 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 Please process the following accounts previously stated in the first complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. 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. 
Please remove these accounts : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$69000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$57000.00}
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, XXXX : XXXX has violated my rights. 



I looked at my XXXX, TransUnion, and XXXX credit reports on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 accounts is inaccurate.
Product: Payday loan, title loan, or personal loan

XXXX sent an alert to XXXX that I had open a new installment loan XX/XX/2022. The account was with Rise in the amount of XXXX, XXXX. I contacted Rise to inform them that I didnt open an installment loan with them. I contacted the local police and filed a report. Also I filled out a form with the federal trade commission. I sent both of these reports to the fraud department at Rise XXXX XXXX. I received a letter in the mail from Rise stating that they did an investigation and determined the loan wasnt fraudulent. I have used Rise in the past but its been a long time. I didnt take out this loan. The loan has reduced my credit store. I have placed a fraud alert on all my accounts. When I called Rise they said there was past due payments too so if they report these, this will make my credit worse!
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX ( FCRA ) by failing to comply with the following provisions : 15 USC 1681 i ( a ) ( 1 ) ( A ) ( failure to conduct a reasonable reinvestigation ), 15 USC 168 1 e ( b ) failure to maintain accurate information ), engaging in deceptive practices through unfounded claims, concealing verification methods and how updating was done with their internal records only, and acting in bad faith to circumvent their obligations under FCRA. I requested that that CFPB investigate XXXX XXXX none compliance and ensure accountability for these unlawful practices
Product: Credit reporting or other personal consumer reports

I got a copy of my credit report and I noticed that this consumer reporting agency is reporting transactions on my consumer report. It is a violation of the Privacy Act of 1974, I have reached out to the credit reporting agency and they have been ignoring me. Pursuant to XXXX XXXX XXXX ( d ) ( XXXX ) ( A ) ( i ) transactions are to be excluded from my consumer report. In accordance with XXXX XXXX I want this matter rectified. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The CFPB response of XX/XX/20 on complaint # XXXX submitted XX/XX/20 indicates that Equifax does not recognize me as their customer or their customer 's authorized representative. This statement is false. The Company ( Equifax ) sent my credit report ( Confirmation Number # XXXX ) on XX/XX/20. The company 's class action settlement amount for failure to prevent a breach of my personal information has yet to be provided. With the evidence submitted in my XX/XX/20 complaint regarding the settlement amount and CFPB 's inaction in following through verifying that evidence, it would appear that any complaint through CFPB is of little value. If CFPB is charged with protecting the consumer 's financial information, the actions in this case contradicts their mission by only acting as a clearing house to any type of consumer complaint.
Product: Checking or savings account

I filed a dispute with USAA back in XX/XX/2021 for an issue when trying to have a vendor apply a credit for a purchase to a debit card. The debit card used for the purchase had been closed by USAA shortly after due to a notice of fraud attempt on the card. A new debit card was issued to me by USAA but the vendor had indicated they could only apply the credit to the card number used for the purchase. 
I recently received notice that USAA is refusing to apply the outstanding {$48.00} credit to my new debit card that was issued to me by vendor, XXXX back in XX/XX/2021. 
I have yet to receive a detailed, documented summary of the reason for the denial after requesting this in writing. 
Just to be very clear, the dispute is not with the vendor it is with USAA. The vendor attempted to issue me the credit correctly but had to issue it to my closed debit card. So, it was the responsibility of USAA to then appropriately transfer/apply the credit to my new debit card issued by USAA, due to attempted fraud on the closed card. 
The irony is that USAA apply the partial credit of XXXX to my account but said they had to further review the remaining amount of XXXX, which made no sense to me but I allowed them the ability to go through their review. 
I provided USAA very thorough documentation of the purchases, credits, etc. and can not fathom why they are declining to issue me the remaining credit. 


I am formally requesting a further review of my credit request by USAA - again the vendor issued the credit so it is up to USAA to properly transfer the credit to my new debit card via my checking account. Again, this dispute was not with the vendor but rather with USAA for failing to appropriately apply the remaining credit amount to my new debit card and hence existing checking account. 

I am attaching copies of the credits issued by the vendor company.
Product: Credit reporting or other personal consumer reports

It appears that 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 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 remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$680.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX : {$72.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

A Tenant sent me funds through Chase Bank using their XXXX App. The tenant accidentally sent 2 payments. When I tried to refund the payment from Chase using the XXXX App, Chase Bank cancelled the payment as they thought it was fraudulent. I completely understand their position to protect my account. The problem arose when I followed Chase Bank 's instructions to verify my identity online and resubmit the payment. I followed the instructions provided by Chase Bank and sent the payment again. I then received another email telling me the payment was canceled for a second time. This time I was instructed by Chase Bank to call them which I did. I jumped through all of the hoops and answered some very invasive questions at which time they verified my identity and verified that I initiated and requested the payment to the Tenant be made. Chase cleared the fraudulent status of my account and I made the payment to the Tenant for a third time. The next day, Chase not only canceled the payment again, they froze my account so I could not have access to my funds. I was instructed to call Chase again, which I did. Once again I was asked to verify my identity and was questioned again with very invasive questions. When I did not provide the answer that the Representative found acceptable, I was denied the ability to use the XXXX App to make payment to the Tenant. I asked to speak with Supervisor to no avail. As of this writing I am not allowed to send the funds to my Tenant as Chase Bank has blocked the recipient.