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

On XX/XX/XXXX, I transferred funds via Chase New York to XXXX XXXX XXXX  ( XXXX ) Branch in XXXX, XXXX, XXXX via XXXX XXXX, XXXX. 
The amount intended to be transferred from my US Dollar account with Chase, New York was : INR   XXXX. However, it appeared that through Chases Wire Transfer operational error, the amounts transferred were : Two transactions of approximately INR 100,000 each totaling INR  XXXX The dollar amounts deducted from my account were : 1. XXXX USD sent on XX/XX/XXXX XXXX XXXX and 2. XXXX USD sent on XX/XX/XXXX XXXX XXXX The transfer of funds was initiated by me on behalf of my friend. 
Through secured messages I brought the underlying problem to Chases attention and also asked that my account be credited in the amount of {$1400.00} as the second transfer request was not initiated by me. Chase opened an investigation and, after some persuasion, asked its technical team to determine the cause of the problem. On XX/XX/XXXX, I received the following secure message : Please be advised that our technology team determined 2 wires were sent out due to an internal issue. You will also receive a letter in the mail regarding the investigation in this case. 

After receiving a confirmation from Chases technology team I felt comforted that the bank followed up on my concern. I assumed that the follow up letter would expand on the issue and elaborate on the steps taken to remedy it. I was disappointment with the letter received from XXXX XXXX XXXX dated XX/XX/XXXX, as it did not continue where the Technical team left off. The letter did not address the underlying issue as to why two wires were sent and, as a result, my account was debited twice in less than a minute. Instead, the letter focused on the delay in beneficiary receiving payment from XXXX. Based on the response it appears that the investigator either did not provide an honest answer or did not understand the problem that he was supposed to investigate. At the end of the letter the investigator wrote We now consider this inquiry resolved. Note that the letter did not address the request to credit {$1400.00} to my account presumably because I had informed Chase that, at my request, the beneficiary transferred INR XXXX to my mothers account in XXXX. This was my back up plan that I used since I had sensed that Chase was either unable to or unwilling to resolve the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint against Experian and there is no third party involved. My personal information is inaccurate exhibits will be provided in this complaint showing the inaccuracies. My name is and addresses are inaccurate. The name on my ID is how my name should be spelled and the address on my ID is my only address. The employer section is inaccurate. I don't work at those places. ( Exhibit provided )
Product: Credit reporting, credit repair services, or other personal consumer reports

Just delete it already I am tired and contacting you again and again! I have done it for more than XXXX times but it's like you guys don't take things lightly.
Product: Vehicle loan or lease

Hello my name is XXXX XXXX and I noticed this problem on my credit report in XXXX. Please remove it from my report as soon as possible. Iam a victim of identity theft and these accounts are not mine CLOSED ACCOUNT XXXX XXXX Open : XXXX XXXX CLOSED : XXXX XXXX BALANCE : {$21000.00} XXXX XXXX XXXX XXXX : XXXX XXXX CLOSED : XXXX XXXX BALANCE : {$24000.00} XXXX XXXX : XXXX XXXX CLOSED : XXXX XXXX BALANCE : {$27000.00}
Product: Credit reporting or other personal consumer reports

Since XX/XX/year> I have not been able to login to membership account with Experian. My information suddenly does Not match in their system. The system does not recognize my phone number. 
I tried calling multiple times different departments its all automated and disconnects the call. I have no option to speak to anyone. I can not do anything online, phone or by mail.im in soecial handling dept for years. Im being denied my legal rights. No access to my file. I need to dispute inaccurate information.
Product: Credit reporting

I noticed a late payment mark on my credit report for the month of XXXX 2014 for a payment to XXXX XXXX. I make all my payments on time, as my history will indicate. I believe that somehow my payment did not go through and a glitch caused the nonpayment. My next monthly payment did go through on XXXX XXXX, but it looks like the payment scheduled for XXXX XXXX was already reported as nonpayment. Even if it was an error, i would have expected a courtesy call from my bank, given my long and good history with them, which i did not receive.
Product: Credit reporting or other personal consumer reports

I need to pause my fraud alert for my credit to GET Electricity. 

However experians website doesnt work and tells you to call a number. The number doesnt allow you to connect to a person and tells you to do this online. Circular and non helpful and frustrating.
Product: Vehicle loan or lease

We pay extra every month on a car loan that we obtained in XXXX 2016. We noticed the extra amount paid was not applied to principal. We called TD Auto Finance, and they stated that they would not apply the extra amount to principal unless we called them every month. To reach an agent every month takes quite a bit of time. We offered to put it in writing to apply the extra amount to principal, but they said they could not accept a letter with instructions. We have called several times to no avail. We have paid extra every month, but they do not apply it to principal unless we take the time to call plus it does not go against principal until they receive the verbal instructions. My understanding of financial regulations is that the finance institution should apply extra payments to principal if no other amounts are owed. TD Auto Finance said the only way it would automatically go against principal if we used their bank.
Product: Checking or savings account

My bank PNC no longer allows 3rd party linking.
Product: Money transfer, virtual currency, or money service

I sent about {$2500.00} usd to coinbase to buy bitcoins from my bank account a few months ago. 

After a lost 2 factor device ( my phone ) I 've tried to contact them to regain access to my funds via ever possible method ( email, XXXX, XXXX, phone ) and they just do n't answer or reply with an auto message that does n't solve the issue. Other exchanges I 've used all quickly remedied the issue. 

At the moment these coins are worth about {$10000.00} usd and I can not access them. This is money I ca n't afford to lose. 

The one time I reached a real support agent after literally days on hold, they hung up the phone on me and sent an auto message that did n't solve the issue yet again and then did n't reply again on the phone or email. 

I absolutely need a reply from them asap to regain access to my funds. I have everything they could possibly need to verify my id, they simply do n't reply no matter what you do.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 information is inaccurate.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have several hard inquiries on my credit report.
Product: Money transfer, virtual currency, or money service

In XXXX of 2022 I was sent a cash app payment of XXXX from my daughter. The payment was to pay for a bill. When I processed to pay the bill the money was already taken from cash app. When I reached out to cash app I was told I made a transaction XXXX weeks ago and the money was never taken out of my account. However, that was not true, when I made the XXXX transaction the mom was taken immediately. I remember moving money over to pay for food after my XXXX visit. Yet cash app took money from me XXXX week later telling me it was for that transaction. That was it and my money was gone.
Product: Credit reporting or other personal consumer reports

After losing my wallet with social security card and Driver 's license I have check on my credit reports and notice hard inquiries that I did not give permission to pull credit reports attmepting to get credit.
Product: Credit reporting or other personal consumer reports

I am trying to get a mortgage loan through XXXXXXXX XXXX XXXX The underwriter came back and said that they see XXXX student loans on my report XXXX being Fedloan and the other being XXXX. The Fedloan one is showing a balance of {$33000.00} and closed only on my XXXX credit bureau. Which made the underwriter include XXXX student loans in my XXXX when I only have XXXX student loan servicer and that's XXXX. FedLoan is no longer in business and transferred my loan to XXXX. I tried to dispute this with XXXX previously and they did nothing and I just recently on XX/XX/year> submitted another one as well. This is making my availability to afford a higher loan lowered when it shouldn't because it is inaccurate information.
Product: Debt collection

In XXXX I got many health problems but I don't remember what is this about there's two or three of this collection company trying to call every time they can I don't know where they get my information bit the was an old debtor from I don't remember much about XXXX of them after I couldn't pay they started to increase even double it up the amount that's why I tried to paid them but in most of the cases it was too much XXXX in was bad for everyone but they never cared that's what I remember about any of my old accounts that they are 15 or plus years
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent a Notice of dispute to Cavalry Portofolio Services in response to a deceptive letter I received from them stating that I owe an alleged debt of. I also noticed that theyre also unlawfully furnishing nonpublic personal information on my consumer reports without my written consent. In the dispute I stated that I never done business nor have a contract with them to owe any debt to them and I never sent them my written consent. I requested the following documents 1.Forward flow agreement 2. Audit Trial 3. Chain of title 4.chain of custody 5.account ledger 6.orginal due holder en course of this debt to prove that I owe debt to calvary Portofolio Services, Calvary responded back to my dispute stating that pursuant to the Fair Credit Reporting Act they are reporting the account as accurate but they defaultes in sending me the requested documents to prove I owe the alleged debt they state that I owe. They are infact reporting innacurate information to my Cosumer reports and without my written consent. Theyre also in violation to privacy act 1974 which mandates the protection of individuals held by federal agencies and other certain organizations. Along with comitting idenity theft by mishandling my social security number which is a serious violation of my privacy and security.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some body run my credit with out my knowledge here is the date and company XXXX XX/XX/XXXX CHASE AUTO XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
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 credit bureau 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 : XXXX XXXX XXXX Balance : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Information is inaccurate and incomplete. I am not affiliated with the property. They dont have permission to report it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some bad credit card history on my credit and I was not aware.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : laightstream - XX/XX/year> -TransUnion
Product: Debt collection

In XXXX, my purse was stolen while I was traveling. Very shortly after that my information was sold but I had no knowledge of it it until later. I became aware of fraudulent charges on my Capital One card and on my bank account and attempted to resolve the issue. My bank took into account that I had fraudulent activity due to purse being stolen, however, Capital One did not and continued to tell me that I owed the multiple charges in question despite my never being present where these charges took place. I made several attempts to resolve this matter with Capital One over the next several months. I was told that it would be resolved and about the time XXXX hit, I stopped receiving letters or bills from Capital One. I am not exactly sure on the dates of that. During that time of XXXX and shutdowns ( during which time I was not receiving anything from Capital One ), my husband and I had a move to a different city. That was in XX/XX/XXXX. It wasn't until shortly after our move that I became aware of the actual Identity Theft. Early in XXXX, I began receiving bills from credit card companies that I had never had. I contacted a Credit counseling company XXXX to help figure all of this out and work on my credit score that was now ruined. I continued to work on all of this and filing police reports for Identity Theft and many other reports. On XXXX, I was scheduled for a court hearing for garnishment from Capital One. I went through an appeal and court hearing and was told that I would be notified of findings. I never received any notification of nor was I aware of any garnishment at that time. However, my record show that it was done. According to my court records, a judgement to garnish was made within 5 days of the hearing despite me sending proof to courts of the happenings with Capital One and fraudulent charges. On XXXX, I was notified by my employer ( not the courts or Capitol One ) that an Order for Garnishment had been received. On XXXX, I was advised by a lawyer to attempt to contact XXXXXXXX XXXX XXXXXXXX ( who was representing Capitol One ) to try and resolve the issue. Despite several attempts on my part, I never got any type of an attempt on their part to try and resolve it. They only asked for full payment! I had everything else dropped on the credit card fraud, bank account charges and even an Unemployment Fraud that was filed under my name ( which was also at XXXX XXXX XXXX ). But apparently, with lack of communication on Capital Ones end, I was found liable for these fraudulent charges. I have moved and it has been XXXX years since this all began so finding the original charges that they said I owed for has been nearly impossible to produce. However, there is plenty of evidence of fraud and theft that I am able to produce. In addition to all of this, there were 2 different accounts under my name with the exact same amount and they were unable to explain.
Product: Student loan

I am attempting to qualify for the Public Service Loan Forgiveness program. I believe I have made my 120 payments. My loans were consolidated with XXXX XXXX in XXXX of XXXX. According to my studentaid.gov account I can see that my loan status was in repayment as of XX/XX/XXXX. My servicer at that time was XXXX XXXX XXXX XXXX, until it was transferred in XXXX. My payments from XX/XX/XXXX through XX/XX/XXXX are not currently counting towards my PSLF according to FedLoan. They are listed as being under manual review. I initially requested this manual review in XXXX of XXXX and it has not yet been resolved. 

I submitted my application for PSLF this month, because if the payments from XX/XX/XXXX through XX/XX/XXXX are included I have now met the 120 payments for forgiveness. FedLoan 's response was that I currently have 108 qualifying payments because those 12 are considered ineligible. However, they have not yet determined if they are eligible or not since they are still pending manual review. 

I have no documentation available from XXXX XXXX XXXX XXXX because it no longer exists and all of their email communication just directed me to my inbox on their website. I do have my bank account statements showing my payments from XX/XX/XXXX through XX/XX/XXXX and can possibly request older ones from my bank if they still have them. I do know that I was on the income-based repayment plan at that time. 

When speaking with FedLoan to resolve the issue I was told that the manual review from XX/XX/XXXX is still in process and they are still waiting for information from my previous servicer. They have no indication on how long this can take, but indicated that 18 months is not the longest they have seen it take. My servicer that has the information they need is 3 servicers ago, so I don't think that contacting my most recent servicer will get them the information even if they wait another 18 months. The information should be available to the federal government since it was the XXXX XXXX organization that was directly servicing my XXXX XXXX at the time of consolidation. 

My student loans should be able to be forgiven at this time as I have made my 120 payments on appropriate payment plans. I think it is unacceptable that FedLoans can take 18  months to review this information without them having any more efforts to resolve the concern.
Product: Checking or savings account

I am writing to file a formal complaint against Citizens Financial Bank regarding their lack of response and action in addressing a grave incident involving the unauthorized withdrawal of funds from my bank account via XXXX XXXX XXXX. An amount of {$11000.00} has been unlawfully transferred from my account without my consent, and the bank has shown no willingness to address this severe offense. 

On XX/XX/XXXX, I found the unauthorized activity on my bank account and immediately dialed XXXX to report the matter to the bank 's Customer Support Team representative XXXX. During the call, the representative requested relevant information and assured me that a response would be provided by email within 10 days. However, it has now been 17 days since my initial contact, and I have yet to receive any communication or email from the bank regarding the status of my case. 

In an attempt to seek clarification and progress on my case, I made another call to the bank on XX/XX/XXXX. To my astonishment, I was informed that there was no record of my case, and the representative abruptly disconnected the call without offering any assistance. It is deeply distressing to encounter such unresponsiveness and disregard for my case, especially considering the seriousness of the matter. 

As a concerned consumer, I believe it is imperative to bring this issue to your attention and request your intervention in ensuring that Citizens Financial Bank fulfills its responsibility to address this fraudulent activity promptly and appropriately. The unauthorized withdrawal of funds from my account has caused significant financial hardship, and the bank 's lack of response and action has further exacerbated the distress I am experiencing. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and hold Citizens Financial Bank accountable for its failure to address this issue promptly. I seek your assistance in ensuring that the bank provides a comprehensive resolution, including the recovery of the funds that were illegally taken from my account. 

I trust that the Consumer Financial Protection Bureau will take this complaint seriously and initiate appropriate measures to address this issue. I kindly request regular updates on the progress of the investigation and a prompt resolution to rectify the financial losses I have incurred. 

Thank you for your attention to this matter. I look forward to your prompt response and the resolution of this complaint.
Product: Mortgage

I received a refinance interrest rate offer of 3.5% from Network Capital in XXXX California. After they completed a good faith estimate and sent someone here to do an appraisal another lender sent me an email guaranteeing 3%. I told Network about the other offer saying I think I will go with the XXXX lender. Network immediately said they will match their offer if I could get a good faith estimate proving their offer of 3%.  I told them they should have made that offer from the beginning and I wasn't going to have the XXXX lender construct a GFE just to bring my business to them. Network began very aggressively, to the point of extreme harassment, trying get me to make a deal with them. I finally had to threaten to call their District Attorney's office to make them stop calling me. I told them to give it up. I'm going with someone else. The only thing I need to finish my refinance with the XXXX lender is for Network to transfer the appraisal to the XXXX lender but they won't do it. They are essentially holding MY appraisal hostage so I can't go somewhere else.