23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

re : acct # : XXXX. 
The XXXX  XXXX promotion was make {$1000.00} worth of purchases in 90 days and receive a {$200.00} bonus. I applied for, received and activated the promotional credit card shortly before our first purchase on XX/XX/year>. By XX/XX/year>, a few days later, I completed the {$1000.00} purchase requirement. I called Bread customer support several times before the 90 days was up and was told everything was on track to get the bonus. When I didn't receive the bonus by the end of XXXX, I called and was told I didn't qualify. Asked why, even though I had been told several times I did qualify, and was read what sounded like a canned, complicated reply. After getting that response, I said i didn't want to do business with a company that couldn't be trusted and closed the account. Even though the account is now closed, they still owe me that {$200.00} promotional amount. And, ironically, by closing the account, i lost the cashback rewards i had accumulated, approx. {$20.00}.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED I implore you to take swift measures to eliminate the unauthorized accounts from my credit report, as they were not approved by me and are causing substantial distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a collection account on my credit report that I do not believe should be on there as it was wrongfully sent to collections. I have been asking the collector via the credit bureaus to validate the collection so I know exactly what is owed and what it is for. I have never gotten any correspondence other than the collector saying that the amount is owed but not what it is for. The account is designated as open and then closed. Has been deleted and then reinserted with no correspondence as to why. I am not being update other than by my credit monitoring.
Product: Mortgage

XXXX. ) XX/XX/XXXX I contacted Mr. Cooper ( mortgage co. ) to request an application for a Home Loan Modification to reduce my monthly mortgage payments, as they were scheduled for another increase in XXXX due to an increase in the interest on the loan and increase in property taxes. I retired in XXXX and my income has lessened significantly since I was actively working. On XX/XX/XXXX, I sent them the completed application along with the requested documentation. 

2. ) Three weeks later, Mr. Cooper notifies me that they sent me the wrong form and I would be receiving the new form to complete. I did not receive the new form until XX/XX/XXXX. I completed the new form and returned it to them on XX/XX/XXXX. They said it could take up to 30 days to process. 

3. ) I had initially requested in XX/XX/XXXX, that the XX/XX/XXXX and XX/XX/XXXX payments be put on the end of the loan and I would be making a payment in XX/XX/XXXX for the new amount which I was initially told would be {$1000.00}. I was subsequently told that it would be {$1100.00}. Then most recently, a woman named XXXX XXXX at Mr. Cooper ), told me that I could not do a deferral and a modification at the same time. 

I am concerned that this process is taking a lot longer than originally anticipated and that I may lose my house. When I first spoke with Mr. Cooper I was never told that you couldn't do a deferral and a modification at the same time, as that is when they provided the amount of the new mortgage payment. 

Can this process be expedited due to the fact they had sent me the incorrect form initially?
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes. CFPB has filed a lawsuit highlighting significant issues with the platform. Zelle has reporting discrepancies and my financial institution and Zelle failed to investigate properly. CFPB found that Zelle has not protected consumers in the case of recovering lost funds, and allowed repeat offenders to exploit the system. Zelle never made it clear that once money is sent out, it can not be refunded and that tracking transactions is not possible, which makes users susceptible to scams. THe lack of accountability and transparency is a serious concern, especially for people who use the platform regularly.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following accounts and inquiries from my credit report. I am a victim of a data breach, and these entries have been added fraudulently or without my authorization. As stipulated under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request these items be removed from my credit file without delay. 
Accounts and Inquiries to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

I was not aware that my promotional period was almost finished. It was hidden in my bank statement even though I was promised that my 18 month payment plan would line up perfectly. I asked for support and they told me there was nothing they can do, and that I shouldve read more carefully.
Product: Student loan

This has been going on since   XX/XX/XXXX . The loan just keeps getting larger and larger. I was set up with a 20 year repayment plan. That on  XX/XX/XXXX  w as told by nelnet servicer that it has started again. I still have 20 years to repay a fraudulent loan and it 's at  XXXX  now. This is abvously a scam I do n't intend to pay and rightfully should not. I 'm tired of the harassment and billing. I do n't trust the school or the servicers.
Product: Checking or savings account

I have been a member of Wells Fargo since 2004, and have not, until recently, had issues to the extent that I have had with the company. I have chosen to handle the majority of my banking online for convenience but also because the employees working at several of the locations I have visited have been extremely unprofessional while handling my account. For example, I have had tellers read my personal information out loud while handling transactions ( i.e. current balance ). The company has also been uncooperative while dealing with automatic payments on my account. I submitted a request to have a payment stopped until I could research the company taken the automatic payments out of my account. However, Wells Fargo refused, and insisted on the continuation of the withdrawals refusing to negotiate via my online account. More recently, the company fraudulently submitted several transactions sending my account into the negative. The company refuses to acknowledge that these charges were fraudulently placed on my account, and does not give the option to dispute online. I have reached out to several representatives to no avail, and have been misguided and misdirected. The bank also deleted several emails sent to me from representatives in regards to my account. One email was from a representative strongly suggesting that I  do not dispute the charges and that I call rather than email. The email was threatening and suggestive. Several other emails contained messages that they would not stop the automatic payments.The recent transactions are fraudulent, I am now concerned regarding my vulnerability to the company as they are using my personal information, and the company 's refusal to assist with the discontinuance of the automatic payments is unprofessional and unethical.
Product: Debt collection

i have 3 collection ref # XXXX, ref # XXXX, ref # XXXX i never request this loans from any company. i have filled a police report because i was a victim of fraud, some is used my identity to request this loan in a Rapid Cash XXXX location. the only reason i find out about it, is because the run my credit report and i find out about this collections
Product: Mortgage

On XX/XX/XXXX, I submitted applications to refinance mortgages on two homes to Vault Mortgage XXXX based on representations by one of their lead agents, XXXX XXXX ( NMLS # XXXX ). XXXX and his associate, XXXX XXXX ( NMLS ID : XXXX ), were vehement that they would be able to fund the loans based on asset depletion since I am retired. They convinced me they could fund the loans because they could place the loans with their parent company, American Pacific Mortgage XXXX. AmPac is not a bank and not bound by banking regulations/limitations on loans, so they said. 
At first, it appeared that they were processing the application. Because of their delays, updated supporting documents had to be resubmitted on XX/XX/XXXX. Again, it appeared some action was happening, but no. On XX/XX/XXXX, applications and documents had to be submitted again. Still no approvals even though XXXX continually claimed that he could complete the refi 's. At his and his associate 's urging, they ordered appraisals for which I was charged {XXXX} and {XXXX} for my home and investment property on XX/XX/XXXX and XX/XX/XXXX, respectively. ( As a side note : the quote for the investment property was {XXXX} and I was promised a {XXXX} at closing. ) Later in the process, it appeared that XXXX and his associate were trying to process my loans using the traditional income method ( not asset depletion ). I insisted that was not viable and that they had promised they could successfully refi the mortgages using asset depletion. They continued to reassure me that they could refi the mortgages. 
Throughout, I was provided quotes for both loans and asked to choose. Updated applications were submitted as requested by XXXX and his associate through XX/XX/XXXX. At that time, I was again assured that with the revised thresholds for conventional vs jumbo loans, I was sure to get approved. 
Then all went silent. After almost three months of no contact, on XX/XX/XXXX via email, I requested reimbursement for the appraisal costs totally {XXXX} since the costs were incurred under false representations. They have not answered the email. 
I feel defrauded. They should not have asked me to incur the costs until their underwriter required the appraisals for confirmation of values. ( As a side note : the loan-to-value ratios were approximately 25 % and 40 %- clearly sufficient equity. ) It is not like the underwriter should have any doubts about value. The Vault Mortgage XXXX offices are in the same zip code as both my properties. My single family homes are in a prestigious area of XXXX XXXX XXXX and they are/should be very familiar with the area. 
Reading more current online reviews, it appears that other individuals have had the all talk, no action results that I encountered. 
I hope you are able to get them to reimburse my out-of-pocket costs and get them to improve their practices to not deceive customers and not have customers incur charges needlessly.
Product: Mortgage

Bank of America has intentionally sabotaged my account and the associated " Pay for Performance '' plan annual incentives, a minimum {$5000.00} value, I am now no longer eligible for due to the incorrect denial of a Home Affordable Modification Program ( HAMP ) of XX/XX/XXXX and the subsequent appeal, that to date, I have yet to be informed of the resulting determination made upon completion of the appeal review of XX/XX/XXXX in writing. 

Just to be clear, Bank of America has never written to e informing me of the resulting determination made upon completion of the XX/XX/XXXX appeal review and associated Appeal Report with documentation. In fact, Bank of America has represented to me I have been denied HAMP on appeal multiple times since XX/XX/XXXX by the various assigned dedicated single point of contacts ( SPOCs ). 

Additionally, Bank of America has charged my account for the balance due on the CalHFA XXXX Deed of Trust by adding that amount to the principal balance in XXXX and have been assessing interest on this amount as well since XXXX, but failed to forward payment on the CalHFA XXXX Deed of Trust to CalHFA or the State of California since XXXX and to date. It is unclear if Bank of America intends to forward payment in full on the XXXX CalHFA Deed of Trust associated with this account at this time, or reimburse me the total amount charged and assessed to the principal balance on this account to date, including interest. To date, I have not been reimbursed for any charges and fees, including interest, that have been erroneously associated with this account. 

Bank of America has committed fraud on a mortgage or Deed of Trust by misrepresenting and omitting material facts related to this account during the loss mitigation processes to date. Not only has Bank of America acted fraudulently, Bank of America has acted negligently by intentionally prolonging the modification process with the use and employment of stonewalling tactics designed to separate me from my home and property, however unlawful. 

91 ) Financial Sabotage ( on a mortgage or Deed of Trust ). 
92 ) Malicious Cedit Reporting. 

All previously mentioned resolutions are desired and mandatory and must include all associated dollar amounts related to this account including, but not limited to the total value of the Pay for Performance incentive plan.
Product: Credit reporting or other personal consumer reports

This complaint begins with XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) filing a notice of debt to the three major credit bureaus. I do not have an agreement with XXXX XXXX, because the agreement was with XXXX XXXX, where I co-signed for XXXX XXXX to receive solar panels for her residence at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Fl. XXXX. XXXX XXXX fraudulently used a non-representative named XXXX XXXX to mislead XXXX XXXX into obtaining the solar panels on the premise that she would receive {$21000.00} after one year of having the solar panels. The amount mentioned is in the contract with XXXX XXXX. Still, XXXX XXXX states it is not honoring the " Rebate '' amount of {$21000.00}, because XXXX XXXX is not a representative for XXXX XXXX, even though the contract is now being enforced by XXXX as the financing agency, due to XXXX XXXX filing XXXX XXXX  Bankruptcy in Arizona ( Case no. XXXX ). 
I filed a notice to XXXX, XXXX, and TransUnion regarding, the following particular issues with XXXX XXXX : XXXX : XXXX XXXX never provided me ( XXXX XXXX ) with Federal consumer co-signer counseling before " allegedly '' engaging in a contract with me as a co-signer for XXXX XXXX. According to 12 C.F.R. 706.3 ). The notice says : 1. You are guaranteeing the other person 's debt. Therefore, if he or she does not pay, for whatever reason, you will have to pay instead. Always make sure that you can afford to pay and that you are willing to accept the responsibility. 
2. You will be liable for the entire amount of remaining debt if the borrower does not pay, as well as late fees and collection costs.

3. In some states, the creditor can come after you for payment without first trying to collect from the original borrower. Collection may include suing you and garnishing your pay or property. If the loan is not paid, it may also be placed on your credit report. 

XXXX : XXXX XXXX is prohibited from executing a loan of any type in the state of Florida states CF : Consumer Finance Company : The license authorizes the holder to solicit, make, and collect loans to consumers in this state for an amount not exceeding {$25000.00} at an interest rate greater than 18 %. The license is not required for banks and certain other financial institutions doing business under state or federal laws. 
XXXX XXXX, Florida Statutes - Consumer Finance Act Rule XXXX, Florida XXXX XXXX - Florida Consumer Finance Act 3rd : XXXX XXXX used XXXX XXXX to deceive XXXX XXXX into this contract through deception and fraud against an elderly person of the age of XXXX XXXX XXXX under Florida law XXXX A criminal complaint was filed with the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX # XXXX ). 

In closing, it is my complaint that XXXX, XXXX, and TransUnion have failed to remove XXXX XXXX from my credit report until conducting a thorough investigation of whether these allegations are founded and creditable as required by the rules of The Federal Trade Commission, Florida law on crimes against the elderly, failing to provide the required " Co-signer '' counseling as required by 16 C.F.R. 444.3 Unfair or deceptive cosigner practices.
Product: Credit card

I noticed a charge for {$8.00} on my card for a website called " XXXX  ''. I contacted the company within XXXX minutes of the charge being processed as I had not authorized any charge. XXXX said I have an account and a subscription. There was no account confirmation or subscription confirmation or receipt. This was a fraudulent charge and they refused to refund. 

I contacted Apple Card to report the fraudulent activity. My card number was cancelled and changed, and all of my passwords were changed to prevent further unauthorized use. 

I received a notice that Apple Card " received my request to withdraw my dispute '' when I did not withdraw my dispute. I had no contact with Goldman Sachs or Apple since filing the dispute and changing my card number. 

The agent said that " the resolution that the specialist gave you through your email was not correct '' in response to my comment that I did not withdraw my dispute. 

Apple Card is consistently difficult to deal with and denies disputes without any basis. There always seem to be " errors '' in dispute information that lead to the disputes being decided in the favor of fraudulent vendors. 
I did not authorize the charge and did not make the purchase. There was fraudulent activity and Apple/ Goldman Sachs refuses to back me. This is a repeated issue with Apple Card.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of XXXXXXXX XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this, per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit card or prepaid card

I reached out to American Express Company about a charge of {$740.00} from the merchant XXXX XXXX ( XXXX ) on XXXX XXXX. 
I used the official XXXX  mobile application to make a change to a connecting flight to give myself some additional time during a layover. I used the XXXX  app to look for flight changes. The app listed numerous flights available for that change, each had a listed charge. There were two flights that showed a charge of {$0.00} and I proceeded to select one of those flights for the change and expecting no charge to process that change. In the screens that followed showed a charge of {$0.00} ( at least two other screens ) and I proceeded to finalize the change. Within a few minutes, I received a notification that my credit card was charged an amount of {$740.00} from XXXX. I called XXXX  immediate ( within 15 minutes ) and spoke to a representative and explained my issue. She said that she was not able to help me because I had finalized my flight change. I asked to speak to someone else or a supervisor multiple times and she put me on hold two times. I waited for a response for more than an hour and after she got back to me, she mentioned that she opened an inquiry for me and that XXXX  will follow up with me within 5 business days. I also filed an online question with XXXX. I did not hear back from them.

I submitted a dispute with American Express Company ( Amex ), the credit card provider that this fraudulent charge was charge to. The dispute closed after XXXX  responded with the position that " The merchant has advised that the change was done by the XXXX  herself through XXXX. '' I spoked with Amex representatives on at least 6 occasions about this dispute. Each time, they expressed to me that my dispute is reasonable and that they will be able to help me. Amex closed my dispute and I called them to express my concern that my issue was not addressed. The representative suggested that we reopen the dispute. The dispute was re-opened on XX/XX/2022 and I submitted additional letters and documents to support my claim. Amex closed my dispute on XX/XX/2022 with the same position as the first time that " The merchant has advised that the change was done by the XXXX  herself through XXXX. '' They also sent a message to let me know that they can no longer investigate this issue further and close this dispute.

I am submitting this complaint because Amex did not properly investigate my dispute. I did use the XXXX  application to make a change to my flight but the issue was that XXXX  charged me {$740.00} without displaying that amount on their application. I communicated this concern to Amex through multiple calls but it was not heard.
Product: Debt collection

Get those unauthorized accounts off my credit report now! Other bureaus fixed it, so can you. Stop messing with my credit delete those accounts immediately, or face legal action. I won't tolerate your delay in fixing this act now! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please DELETE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I sent a dispute letter to EQUIFAX on XX/XX/2021 pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law?
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
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  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX Account XXXX : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.