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

On XX/XX/2022 I was induced into transferring money to a XXXX account ( first transaction {$350.00}, second transaction {$500.00} - Total {$850.00} ). I was scammed by a member of XXXX named XXXX XXXX ( email associated with XXXX account : XXXX ). We primarily communicated on XXXX, where he used the name XXXX XXXX ( XXXX XXXX XXXX  ). I buy and sell things that I no longer need on XXXX XXXX, and he asked if he could send the payment through XXXX. I said yes, but then I began to receive fraudulent emails from XXXX asking me to send more money in order to " upgrade my XXXX  account into a business account. '' I did so at first and unfortunately sent two XXXX payments -- {$350.00} & {$500.00} -- before catching on. I have filed a formal dispute with XXXX through USAA but after waiting ten business days and asking for an update, I was essentially told that they can not do anything about the lost funds because XXXX is a third party transfer service. When I spoke to a representative at XXXX to assist me, they told me to call my bank because they ALSO can not fix the issue. Although the two transactions were authorized, I was induced into transferring the money, which I believe is covered in Regulation E in the Electronic Fund Transfer Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third 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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$710.00} ; XXXX XXXX Balance : {$7000.00} XXXX XXXX XXXX Balance : - ; XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Debt collection

This company repeatedly calls before XXXX XXXX and after XXXX XXXX and has been for many years. They were asked to verify it was my debt and were unable to do so. They say things like " tell XXXX to pay her XXXX bills. '' They have sent XXXX letters from lawyers saying if I do not contest the debt it is assumed valid and I will have a judgement against me. I have called the original creditor and they do not have information for me about the debt. I tried speaking to portfolio, but every time I did, they updated the collections date in my credit report to cause my score to drop. They check my credit report multiple times a month. This company is unscrupulous and unethical and they have been for many many years. I tried speaking to them, but they are verbally abusive. They call 10-20 times a day.
Product: Payday loan, title loan, personal loan, or advance loan

I had fraud on my bank account in XXXX of XXXX and my account was blocked and payments did not clear. I asked Oportun for some sort of arrangement. 
they said we have a hardship/deferment program. I was on this program for 3 monthsXXXX until XX/XX/XXXX. I was then told that I owe over {$650.00} and had to pay back the entire 3 months worth. There were no terms given regarding this program. I have also had several emails offering payment reduction, postponed payment and hardship program and when I call, I am told that I do not qualify for any. while I was in the program, I received constant collection calls from Oportun. 

I have several times for a copy of the original loan/terms copy of the hardship/deferment  terms and a complete account history/ledger of when payment are made, what portion is towards principal etc. 
I have not received anything and can not access it online either. 
Lastly, the interest rate is higher than 36 %. 

Oportun has not disclosed pertinent information about my loan and placed me on a program with not terms and they refuse to send me any information list above and lastly have mis advertised.
Product: Money transfer, virtual currency, or money service

I was scammed by a girl online asking me if I wanted to trade Bitcoin futures on XXXX. She instructed me on how to invest as well as manipulated me into continuing to invest even after I had given my funds away and not made a single profit. I even took out a loan in order to continue the process. After I had invested all of my savings she ceased all forms of communication with me. I transferred money from my Crypto.com account to the scam company. I lost : XXXX XXXX I was in a tough position since I did not have any experience in investing but I thought I should give it a try since I was in need of a profit. The scammers were highly cunning and manipulative and convinced me to invest and assured me that it was impossible to not make a profit. I had not made XXXX XXXX from those investments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Mortgage

Please note that a complete narrative of the events is included in XXXX which is my first language in order to prevent misinformation and the lost of important details needed to present this complaint. 

1. For several years ( since XXXX ) I have been trying to receive information about decisions, status, letters among others from the mortgage account I have with Banco Popular, however the bank refuses to keep my contact information as co-borrower current and available. I have asked Banco Popular on numerous occasions to keep updated information on both parts, borrower and co-borrower on their records without been successful. Banco Popular has stated that if one of the parts changes the contact info they can not do anything to avoid it. 

2. Banco Popular has failed to provide evidence of the cancelation of previous debt on my property ( before the current loan was signed on XX/XX/XXXX ) ignoring federal and state laws among others dispositions and regulations. 

3. Banco Popular has provided misleading and inaccurate information of the nature of the debts marked on my property making me think that I am responsible for it when it is Banco Popular as investors and current owners of the account the solely responsible of provide evidence of cancelation of the legal financial debt on my property BEFORE I became the owner ( Banco XXXX XXXX ). 

4. Banco Popular violated my right to start a loss mitigation process in order to keep my property from foreclosure since XX/XX/XXXX. 

5. Banco Popular has presented a legal process of foreclosure ( dual tracking ) at the same time that is obstructing the Loss Mitigation process forcing me to resign to my legal right to receive a copy of the appraisal as established under COA, 12CFR ; 1002.14 ( a ) ( 1 ), TILA and RESPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I want to address my concerns about how Zelle handles disputes, especially in light of the recent CFPB lawsuit exposing critical issues with the platform. Despite my frequent use of Zelle and reporting discrepancies, both my financial institution and Zelle failed to conduct a proper investigation into my claims. I was told that recovering the lost funds was impossible and that tracking these transactions could not be done. The CFPB 's findings reveal that Zelle has not only failed to safeguard consumers but has also enabled repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of transparency and accountability is deeply troubling and raises serious questions about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with fair credit reporting act accountXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX late payments has violated myrights 15 USC 1681 SECTION 602 A states i have the right to privacy.

15 USC 1681 SECTION 604 a states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B A CREDITOR MAY NOT TREAT A PAYMENTON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY REASON
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX Credit Original creditor : XXXX XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX XXXX  Creditor : XXXX XXXX Acct # XXXX {$170.00} Credit Collection Original Creditor : XXXX XXXX XXXX XXXXXXXX {$210.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$1200.00}, 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 instruction
Product: Student loan

My dates of enrollment were incorrect- I was listed as being " in grace period '', when I was actually enrolled in school at least part-time. This caused my subsidized student loans to accrue interest when they were not supposed to, so I contacted the school I was attending in Fall XX/XX/XXXX- the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) & had them fax the info to XXXX at Navient. I had already paid off a few of the loans that the interest was wrong on, so Navient is having to go back & retroactively adjust the amount of interest on the loans in question. I have received notification from Navient back in XX/XX/XXXX that they had received the info from XXXX & that as a result, my dates of enrollment have been adjusted. I called On XX/XX/XXXX, & spoke to XXXX XXXX ( employee # XXXX ) & requested that the amount taken off of my loans as a result of the correction be sent to me in writing. She informed me that a customer service advocate would send the info to me, but that it would take 5-10 business days. I again requested that the amount that was deducted from my balance due to my dates of enrollment being adjusted be sent to me in writing during another phone conversation with XXXX ( employee # XXXX ) on XX/XX/XXXX. I received an email from a customer advocate named XXXX on XX/XX/XXXX & again, I requested the info. Today, I sent her another email- requesting the information for the 4th time ( this is the 2nd time I have made a written request- the other times were verbally over the phone. ) It has been a month since I have been trying to have this information sent to me in writing, but they have ignored my requests.
Product: Student loan

I have never received a statement from NELNET regarding my loan since the COVID pause. I have requested the statement several times in writing, including sending XXXX letters by XXXXXXXX XXXX, XXXX Receipt Requested, which were delivered to NELNET 's office on XX/XX/year> and XX/XX/year>. 

When I email the company, they insist that I call them, even though I have requested in every communication that I want all communication to be in writing. 

I don't know the monthly amount of my payment and I don't know whether I need to apply for relief if I don't know what my monthly payment is.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to Nelnet regarding three accounts that are reporting on my credit report from them. I was requesting for them to show me proof that their reporting of the accounts were 100 % accurate. The reason why I asked this was because there were major inconsistencies and inaccurate information on their accounts from all three major credit bureaus. 

However, on XX/XX/XXXX, they sent me a letter stating that they are not complying with the investigation. 

They must cooperate because these accounts are inaccurate, inconsistent and non metro 2 compliant!
Product: Credit reporting, credit repair services, or other personal consumer reports

hello, dates : XX/XX/XXXX XXXX, 2022 company : PayPal Holdings , Inc. 
website : paypal.com hello, i have problem with my paypal account. they ban permanent my account without confirm or notification. at XXXX XXXX, they need to input some information from me like goverment card, bank, etc. but i didnt get reason or anything after that. after some days, i checked my account and i got ban permanently. 

i think i didnt do violation of TOS or anything. i just use my paypal to received money from XXXX and XXXX. my paypal account age was almost 10 years. 

thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my right 15 u.s.c 1681 section 604 a States I have the right to privacy 15 u.s.c. also states a consumer reporting agency can not furnish a account without my written instruction
Product: Student loan

I had my student loans fully paid off in XX/XX/XXXX. The company sent me a letter stating as much. In XX/XX/XXXX, I got an email stating that a payment was due in XX/XX/XXXX. I then logged into my account and saw that the company was saying I still owed on my student loans. After a few days of not being able to get a hold of anyone on their customer service line I was able to speak to human. Who said that they could not help me, and I was transferred to another phone queue that had a more than XXXX time. 

I tried again the next. This time I was transferred to a human and the hold line. Was told that this was an error on the part of the company, and it would be fixed with the next XXXX to XXXX days. This was on XX/XX/XXXX. It is now XX/XX/XXXX and the issue has not been fixed.
Product: Credit reporting or other personal consumer reports

Experian 's job is to monitor my credit, not to sell credit cards. Once a month I log into my Experian account only to be bombarded with offers to better my XXXX XXXX ( XXXX as of XX/XX/XXXX ) through financial products that only Experian can provide, and offer 's of credit cards that Experian assures me I'm qualified for. There was a particular credit card that I wanted to apply for, The XXXX XXXX XXXX XXXX, so through Experian 's link I applied for it. For reasons unknown to me I was instantly turned down. I have have a fairly high XXXX XXXX, earn a XXXX figure income, and have worked for the same company for nearly 17 years, so I was left wondering why I got turned down, especially since Experian assured me that my credit profile was a good fit for the card they were promoting. I called Experian 's XXXX Department, but predictably they were of no assistance. They pushed me to the XXXX Department, but I wasnt able to speak with a live representative, by design no doubt. 
From my perspective, I was baited with offers of credit that Experian 's credit profile for me suggests XXXX qualified for, then after I was denied credit, Experian washed it's hands of responsibility. The credit application has negatively affected my XXXX XXXX ( XXXX points ), which ironically Experian will provide to future creditors. XXXX blaming Experian for baiting me to apply for a card I was not qualified for, knowing it could adversely affect my XXXX XXXX. 
I applied for credit through Experian on the assumption that Experian was operating in good faith, but that doesnt seem to be the case here. I requested a detailed explanation, in writing, on XX/XX/XXXX, but received no response, written or otherwise. A credit reporting agency has no business going into credit repair or credit card promoting. It's a conflict of interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was a fraud account and it still reflects on my credit report.
Product: Student loan

I took out a XXXX XXXX loan for graduate studies but had to pause a month in due to personal reasons. I returned the excess funds to the loan servicer, mistakenly thinking this was the correct procedure. However, now Ive learned that I owe the school for the amount the loan servicer is supposed to refund. Its been 2 months since the refund was processed, and I have not received the specified refund amount in my bank account.
Product: Credit card or prepaid card

I paid off a XXXX balance on my Bank of America credit card ... due to a technical glitch it looked like the payment did not go through, so i paid it again... essentially, i overpaid the card by XXXX. The card balance now shows XXXX. I have tried to have this amount placed back into my checking account, but they won't call me back when they say they will. I have been trying to resolve this for XXXX weeks now. 

Please help!
Product: Money transfer, virtual currency, or money service

I was a victim of fraud recently in a XXXX XXXX scam. I tried to sell furniture and was messaging two separate individuals- who both wanted to pay in advance for furniture they wanted. In my conversations with them, they mentioned they had sent the funds and asked if I received the same email they did - from XXXX and XXXX respectively, saying that the seller needed to pay more in order to upgrade my accounts to a business account to sell the furniture. They asked if they could trust that I would also send funds- so that we would both receive funds back, and I would receive the full amount for the purchase. As I've never sold furniture before, and the emails looked legitimate, I sent {$500.00} and {$520.00} to the two separate individuals ' accounts through XXXX. It wasn't until they tried to request more money - {$1100.00} each - that I realized this was a scam and called Schwab to try to get the funds recovered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX and I need your help with the cause of numerous inaccuracies in my credit report. My XXXX XXXX is at stake because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to temporarily lift a security freeze I placed on my credit with TransUnion for an employer background check on XX/XX/2021. After providing all information to verify my identity, and just as the temporary freeze was about to be lifted, the agent, XXXX, states she can not complete the transaction because my account is in the special handling department. I was transferred and placed on hold. Total hold time was over 1.5 hours, and I could not continue to stay on the line. Attempted again on XX/XX/2021. I let the agent, XXXX XXXX, know before I gave her any personal information that my account was in the special handling department, and if she could assist me. She said she would be able to help, so I gave her all information to verify my identity all over again, again. This time she placed me on hold. She came back looking to verify more information. I let her know that the spelling of my first name is incorrect on the most recent correspondence I received from TransUnion. One letter is off. Previous correspondence had the correct spelling as I keep all correspondence for reference. It occurred to me that while making a routine address update with TransUnion after I moved a few years ago, the spelling of my first name was no longer correct. The person assisting me that day clearly made an error when updating my information. This is not an error on my end, this is an error by TransUnion personnel that can be easily fixed by looking at the rest of my file for reference. I was also told some creditor I have never heard of spelled my name incorrectly, and thats the reason why its currently misspelled. This doesnt make sense, as how can a creditor I have never heard of change the spelling of my first name with a credit agency? Not only that, TransUnion knows as well as I do that I have zero debt and zero creditors. They can clearly see this reflected in my file, and I know this to be a fact, so how can a creditor change my name? The agent, XXXX XXXX, told me I would have to mail TransUnion various paperwork in order to prove my identity, and that is when I asked to speak to a supervisor. When I was transferred to a supervisor, Mr. XXXX XXXX, in XXXX, he told me he would need all my information again because it did not transfer with the call. Needless to say I was not amused and refused to give any further information. I was told to call an XXXX number and ask to speak directly with a supervisor in special management handling in the USA. At this time I have not been able to get a temporary lift on the security freeze for my employer background check, and will have to prove my identity by sending in various personal identifications to correct a mistake made by TransUnion.