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

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : US DEPT ED XXXX Balance Owed : {$9100.00}
Product: Checking or savings account

XXXX : Wells Fargo- After getting a notice that I had reached my Savings-to-Checkings limit ( which the warnings did not count down ; what  constituted a S-t-C transfer, etc ), my checking account reached {$0.00}. The pending charges on my checking are being " Overdraft Protected '' one by one, and then being charged a " Excess Activity  Fee '' every time because it counts as a Savings-to-Checking transfer. 
XXXX : I'm stuck in a vicious circle that's resulting in needless fees, and after explaining to WF what is happening, they only offered 50 % fee-forgiveness, which is unfair as it's the first time this has ever happened.
Product: Payday loan, title loan, or personal loan

TItleMax repossess my truck in the month of  XXXX . I tendered a negotiable instrument to TitleMax via certified mailing for full settlement of the devt owe to them. The tender was refused and TitleMax did not return my truck. This Govern by   XXXX   XXXX  . see below   XXXX   Georgia  XXXX   XXXX   XXXX  - COMMERCIAL CODE ARTICLE  XXXX  - NEGOTIABLE INSTRUMENTS PART  XXXX  - DISCHARGE AND PAYMENT  XXXX  - Tender of payment O.C.G.A.  XXXX   XXXX    XXXX    XXXX   XXXX . Tender of payment  (  a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract.      (  b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.      (  c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument.    Disclaimer  : These codes  may  not be the most rec
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the CFPA. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the EFTA and Regulation E. These auctions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This individual XXXX XXXX pulled my credit score illegally and is harassing me months later and sending me private information about myself and others over text messages. This is incredibly unprofessional and an insecure way to transfer private data. I want to report this person immediately.
Product: Student loan

I enrolled in XXXX university under false statements of affordability to pay back my school loans in the future. I am in debt {$90000.00} in school loans for basically a worthless piece of paper. Well known, not for profit, state university degrees are just a fraction of that! I have never been able to find a job with my degree, years later! Most employers ask about XXXX and once they look into the school Im laughed at and passed up for the opportunity! When I wanted to further my education I had XXXX small children at home and only a XXXX. XXXX  high pressure sales type tactics had me enrolled before I could even sit down and think about it. I was told my school cost would be covered by federal school grants and that XXXX was one of the most affordable colleges in the nation. I was never told they were taking out private loans with high interest rates, and I would be swimming in school loan debt that would exceed that of a licensed medical doctor. I was told that school credit hours were {$770.00}. After doing my research I found that was a fair amount for furthering my education. However, that cost continued to rise the further and further I went into my college and school loan commitment. It exceeded more than {$2800.00} a credit hour by the time of graduation. This is something XXXX knew, they knew that {$770.00} was an initial introductory cost to fool you and hook you, while sophomores and seniors were already paying an upwards of {$2000.00}. XXXX also held my degree and refused to send it until I paid {$970.00} for graduation cost, cap and gown etc.. when I explained I could not attend the date in Iowa , they said it didnt matter, it was due or I didnt get my {$80000.00} piece of paper. I graduated in XXXX, and have never been able to find employment with my degree from XXXX. Since then I had to go on an IBR repayment plan because my school loan cost would have been $ XXXX  monthly. This has caused my private loan interest rates to stack up. Im begging for help! I know they have many class action lawsuits against them, i pled someone hear my case and allow me to join in the complaint. I begging for some type of relief from this fraudulent debt!
Product: Debt collection

I told them two weeks ago to stop calling my phone to talk to a person who isn't me. They have called me over 15 times within two weeks.
Product: Money transfer, virtual currency, or money service

I Was just scammed for {$1400.00} by an ad on the XXXXXXXX XXXX XXXXXXXX site on XXXX 
A local community group that has never been a problem for me. 
The date was XX/XX/2022 The person was identifing as XXXX XXXX, she is not the scammer but her identity was stolen by the scammers. The name of the person I was to send the XXXX to was a different name, however I thought it may be her maiden name being used for the transaction, it did not seem unusual as people often shorten or use maiden names on there XXXX  profile and there full names on banking transactions. 
The address was a XXXX, VA Address and the home at that address was just put up for rent so it seemed legit. 
This was a high level scam with many layers and the red flags only showed once I paid. 

I bought items and paid with XXXX via PNC mobile banking app. 
I have bought from this site before as these people are my neighbors. I was given an exact address to pick up from. 

Now I find out PNC Bank and XXXX may not refund money.
Product: Credit card or prepaid card

I've had this account since 2012. I've never missed a payment and often made more that the minimum payment. Over the course of having an open account I've paid the balance off several time.I hold a Platinum XXXX XXXX with no limit so my credit score is above average. Despite the aforementioned facts, I noticed that the balance on my account was not dwindling as I expected. The account has a purchases balance and a cash advance balance. Apparently, the company decided to allocate the payments to the lower balance and any amount over that to the higher balance. The problem I have with the account is as I began to increase the amount of my monthly payments which should have caused the account to be paid off at a higher rate, they chose to raise the interest rate on the account which had the affect of making it more difficult to pay the account off. When I inquired into the reason of interest rate increases I was told they were based on the prime rate in the XXXX XXXX XXXX. The problem with this explanation is that the prime interest to which they referred, increases and rises based on various economic factors. Given the fact the the countries economy was in a recession and the interest rates were at a historical low for the better part of the last twelve ( 12 ) years, I never received a rate reduction. Instead the interest rate associated with the purchase balance increased approximately five ( 5 ) percent from 17.9 to 21.9 while the interest rate on the cash advance increased approximately five ( 5 ) percent from 21.9 to 26.9 as well. These are the types of interest rates that one would expect to receive when hey are attempting to build up their credit not for someone that has a impeccable credit core and and a exception payment history with this institution. I would expect my interest rates on this account to decline not increase. Thus, the increased the interest on my account somewhere in the neighborhood of ten ( 10 ) percent during a time when interest rates were a historical low. All this occurred without the company notifying me of the steep hike in my interest rates. For those that are acquainted with who interest rates works, a increase of one ( 1 ) or two ( 2 ) percentage points has a profane impact on the amount interest charged on the account and my account increased around ten ( 10 ). This is nothing short of predatory lending!
Product: Checking or savings account

I have {$500000.00} in My Banking Direct ( Flagstar Bank ) in a MBD High Yield Savings Account and have been trying to transfer all of this money back to the account that it came from ( XXXXXXXX XXXX XXXX since XXXX. I was told on XXXX that it would need to be approved because it exceeded the transfer limit and it would take 2 business days to approve. I have called each day and it has not been approved. today is XXXX and it is still not approved. I began depositing in this account in XXXX of XXXX I also mailed a letter on XXXX to Flagstar Bank, XXXX XXXX, XXXX NY XXXX Attn : Bank by Mail as instructed by their rep to close my account.
Product: Credit card or prepaid card

My application # XXXX from XX/XX/2018 for XXXX Credit card administered by the Barclay Bank Delaware was denied with no clear explanation. The general reason was stated as such : " The previous CC account that you held with Barklays Bank experienced charge off, bankruptcy, severe delinquency, or other negative performance ''. 

I do not recall having any of the above issue with previously owned Barclay CXXXX, which I had several years ago. I believe this denial based on age discrimination, I am XXXX XXXX XXXX and just retired last XX/XX/XXXXr.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

UNKNOWN ACCOUNTS : XXXX XXXXXXXX XXXX- # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am being harassed by a debt collector ( Guglielmo & Associates ) even though I am on a payment plan. 
Today I received a second letter from them claiming I have failed pay my payments as agreed. 
After the first letter I sent them a letter asking reason for their claim with copies of cancelled checks ( cashed by Guglielmo & Associates ) There was an payment agreement between us on XX/XX/year> We XXXX for {$2000.00} total to be paid on XXXX {$100.00} per month payment starting XXXX XXXX XXXX. 
So far I have send them 4 checks for {$100.00} each.
Product: Mortgage

I started to refinance 3 properties in XX/XX/XXXX with a lender I have worked with for years. I was approved and HomeBridge ( one of the current lenders at that time ) was notified of my refinance. XXXX XXXX, with HomeBridge reached out to me to keep my business, they could do the loan at a less rate & closing costs. I moved one property over, then the other XXXX. I submitted all the requested information, signed all the disclosures and things were moving along. I was assured that my XXXX did not to be filed as we were funding in XXXX. Things started get to suspicious. I was then told in XXXX you need to file your returns and the rates will be expiring. I was getting frustrated as this wasn't what I was told and led to believe. My refinances were then transferred to XXXX XXXX with XXXX to " expedite '' the process and put me top of the line assuring me rates are locked. I have been dealing with XXXX for XXXX  months now on closing the original XXXX refinances. These refinances are unethical when I have signed disclosures, email from XXXX XXXX HomeBridge we need one last piece of info and we can fund by XXXX, then to be strung along for XXXX months to not honor what was started and agreed upon. XXXX didn't return phone calls for 30 days for a business promotion and sometimes a week at time for business travels which dragged on the loan process but I was assured dont worry, your rates are still locked, and with the amount of time this has dragged on and for customer relations, Ill take off $ XXXX {$4000.00} in closing costs on XXXX XXXX XXXX 
I supplied everything that was needed, I was approved, had paid for XXXX appraisals, signed disclosures on all XXXX properties. This dragging it out for XXXX  months, then to have my rates expired ( guess they werent locked ), is on the lender. I did my apart as a consumer and supplied everything as requested asap to close these XXXX refinances. You will see the emails dragging on and on. XXXX reached out to me XX/XX/XXXX and XXXX XX/XX/XXXX says you need your XXXX tax returns, which at that point a XXXX day rate lock is expired, even though I continued to confirm locks were in place. I was told verbally, husband and client had heard the conversation as well. I have emails saying nothing of we need your XXXX returns. She states we want to close in XXXX, please sign the disclosures. On XX/XX/XXXX XXXX reached out to me after being " caught up to speed '' with my scenario of not having my XXXX returns. I want the loans refinanced with the original terms agreed upon with HomeBridge. 

XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am filing a complaint regarding a charge-off reported by Nordstrom, which is currently showing a balance of {$420.00} on my credit report. A charge-off typically indicates that the creditor has written off the debt as uncollectible, yet the presence of a balance suggests that the debt is still being pursued, which is misleading and confusing.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), information reported to credit bureaus must be accurate and not misleading. The reporting of a charge-off with an outstanding balance creates a contradictory and confusing entry on my credit report, which may not accurately reflect the status of the debt.

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, it is prohibited for a debt collector to use any false, deceptive, or misleading representation in connection with the collection of any debt. The inconsistent reporting of this charge-off may constitute a misleading representation of the debts status.
Product: Checking or savings account

On XX/XX/23 my purse was stolen from my vehicle. I filed a police report and canceled my debit and credit cards. Somehow my actual bank account wasnt closed. On XX/XX/23 I signed in to my account after receiving a phone cal from a XXXX XXXX asking if my purse was stolen because a female fled the bank in the north east corner of ct after they told her to wait a couple minutes as she was trying to cash a {$3000.00} check. and saw that there were debit memos- not sure what that is, where someone withdrew {$2500.00}, and {$2600.00} on XX/XX/23. I filed a claim on XX/XX/23 with an agent named XXXX at XXXX pm. I have been checking in on the claim with the local branch, since the XXXX number has me on hold for XXXX minutes before anyone picks up and I often have to jump off before someone answers. Today I followed up again with XXXX at XXXX Citizens bank, and she told me that citizens bank is still waiting on information from the other bank for their investigation. I called the XXXX number and spoke with an agent- after being on hold for XXXX minutes who told me that no claim was ever filed! I am not in the position to just lose {$5100.00}. I need that money to pay my bills, mortgage, and feed my kids. At this point I feel like Ive been too patient believing that Citizens bank will get my money back in my account, and I no longer believe that they will. This entire situation has been grossly mishandled and has put me in a position where Ive had to borrow money from family and had to pay late fees and interest on my credit card.
Product: Credit card or prepaid card

On XX/XX/2020 I ordered a moderately expensive item from the merchant " XXXX '' via the ( fraudulent ) website https : XXXX Now if one attempts to load that website, one is warned that it is not safe, though this was not the case a month or two ago, unfortunately! 

Despite my being charged for the item, it was never sent to me. Instead the merchant provided fraudulent shipping information. Specifically, On XX/XX/2020, I received an email ( attached ) stating that the product was shipped via XXXX. If one enters the tracking number into the XXXX website, it shows that it was delivered by USPS ( the postal service ) on XX/XX/2020. However, this tracking information is not for my order, as the attached document from XXXX shows. Moreover, the item I ordered weighs 8.15 lbs, with a box weight of 26.5 lbs, whereas the shipment in the tracking information shows a shipped weight of 5.3 ounces. 

I have repeatedly tried to contact the merchant via the email address and phone number listed on the website and my receipt, but I haven't obtained even a single response. 
This is no surprise, as the merchant 's entire website ( XXXX ) appears to be fraudulent. 

Indeed, the website https : XXXXXXXX  lists 12 complaints ( all from XX/XX/2020, they appear to be new ) some of which identify the same scam ( the merchant forwards fake shipping information to the customer as well as the bank when the transaction is disputed ). Moreover, the website https : XXXX gives the merchant a " very bad trust rating of 1 % '', references many online complaints, and reports " This domain name is linked to one of more countries known for being used by fraudulent websites ''. 

In any case, XXXX and USPS have opened up cases regarding this shipment and both companies tell me that the shipment was not intended for me, as the name and address do not match my own. This proves that the transaction was fraudulent. 

Lastly, this is not the first time this merchant has been accused of this scam. I have already alerted XXXX  of the scam ( though they claim to be unable to investigate since I disputed the charge with Chase already ) and am also alerting the Consumer Finance Protection Bureau, the Federal Trade Commission, the XXXX XXXX XXXX, and the police. 

I want to reiterate the fact that the merchant does not respond to phone calls or emails. Not once. And they appear to be based in XXXX, according to scam website reports.
Product: Debt collection

I have contacted XXXX XXXX after the last response for the CFPB and I could not get anyone to respond to the offers stated in the previous complaints. Several months have passed and they have pursued a garnishment of my wages after attempting to settle the matter outside of court in numerous ways. I have been forced to discuss chapter XXXX options to aviod being garnished. I was told on XX/XX/23 that they will accept XXXX to settle, I am seeking assistance to resolve this matter with XXXX XXXX. I called several days in a row after the last coorespondence and no one would take my call.
Product: Debt collection

I dont know this company ( credit adjusters ) or the company they represent. I had call several times but they always ask me about my social security number to give me information and I dont want to provide that information over the phone. I would like this to be remove of my credit report of posible or have the documents that supposed to be sign for me. Because they dont want to provide any of these. 
Thank you
Product: Checking or savings account

On XX/XX/XXXX around XXXX to XXXX someone spoofed my Wells Fargo Debit card to make purchases totaling {$1200.00}. These purchases were not authorization by me and could not have been made by me. The reason I say this is because the debit card in question was in my possession at the time and the location in which it was used, is roughly two hours away from were I was ( See attached google timeline ). Along with that, all my retail purchase are made using a credit card ( see attachments ). My checking account that my card is link to is primarily used to pay for bills ( See attachments ). I tried to explain to Wells Fargo that I do not frequent XXXX and that I not in the area. I also tried to explain how it is physically impossible to be in that area using my debit card, when around that time I had just used my credit card in the town that I live in. The action that were taken by the company was to cancel my debit card and open up a claim. 

*Update, I had to reopen this complaint because all my attempts to contact the bank have gone unanswered. I still do not know why my initial claim to the bank was denied. I have not received any documents proving that I authorized the transactions mentioned above. *
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099-C ( Cancellation of Debt ) from the following charged off account listed below. SYNCHRONY BANK XXXX After checking my most current report the updated information stated the account was purchased by XXXX XXXX XXXX this account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the 1099-C form for my tax filing.