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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXXBalance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

We can not operate like that. 
How is it possible that {$30000.00} simply disappear after being transferred, with absolutely no follow-up from XXXX XXXX ( former TransferWise ). 

The status for the transfer in XXXX XXXXXXXX website says : ransfer successfully sent Keep in mind It can take up to 2 working days for your bank to credit the account. 

It has been over 4 days, and nobody has reached out to me ( in case they need any verification ). 

How is it possible that {$30000.00} just disappeared like that. 
Do I really have to chase my own money because the involved banks and partners are not doing their job? 

I understand if there are additional checks and I will provide anything that is necessary. What I don't understand and don't agree is that nobody reaches out to me. They just keep my money somewhere ( possibly earning interest to them? ) waiting for me to take an action that I don't know what would be. 

I don't have anybody other than XXXX to contact. However, XXXX website shows it as fully completed. 

It is a service that is completed, but not just not delivered, but I'm not even aware where my {$30000.00} went to. 

This is just absurd, and poor job from regulators ( unfortunately I'm not surprised - it's money first, service second ). 

I would like to request an audit of all services provided by XXXX.
Product: Credit card

Made purchase on XXXX XXXX XXXX sponsored XXXX XXXX First National Bank of Omaha. Upon receipt Merchant fail to adhere to the terms that were associated with the opening/use of card.. I disputed transaction. Bank failed to comply with the XXXX dispute regulations.
Product: Checking or savings account

XX/XX/ FOUND BUSINESS BANKING WAS BREACHED XXXX XXXX  taken and they will not cover or investigate the charge. They said they have a no investigation no refund on unauthorized purchases policy. 

Found Business Banking Is not to be trusted. And should not be able to have services. As their clients arent protected against breaches and cybersecurity and unauthorized transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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 {$1100.00}, Account name : XXXX XXXX # XXXX, 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 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.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding an error on my TransUnion credit report. The report is missing payment history for the period between XX/XX/XXXX and XX/XX/XXXX. All payments during this time were made on time and are current, as I have proof in my records. 

This omission has resulted in an incomplete and inaccurate representation of my credit history, which may negatively impact my creditworthiness. I have already contacted TransUnion regarding this issue but have not received a resolution. 

I kindly request that the CFPB assist in investigating this matter and ensure that TransUnion updates my credit report to accurately reflect my payment history for the affected period. 

Attached to this complaint are documents supporting my claim, including payment confirmations. 

Thank you for your attention to this matter. I look forward to a prompt resolution.
Product: Money transfer, virtual currency, or money service

I am writing to complain that there is XXXX online wire transfer {$5800.00} from my citibank checking account # XXXX on XX/XX/2022. I did not authorize this transaction nor was I contact by citibank to verify this wire transfer. I complain to citibank by phone, email and in person at the branch right away. Also I tells the bank I don't have online wire transfer account and I do not use that service before at all. However, citibank denied my claim. Case number XXXX. 
In this case citibank failed to verify that the transfer has been properly authorized. In its client manual page 19 it says : '' when place an order for a fund transfer, we will follow a security procedure established for your protection and our to verify that the transfer has been properly authorized. You understand that the security procedure is designed to only verify the source of the fund transfer instruction. '' Citibank did not follow the agreement, so it should compensate for my lost. 
Bank statement, contract and correspondence from the bank are attachment.
Product: Checking or savings account

I am a full time XXXX XXXX XXXX XXXX My account was hacked or something and {$200.00} was stolen from my account : - ( on XX/XX/XXXX I was shopping for a DoorDash order at a XXXX in XXXX XXXX California on XXXX XXXX. While I was shopping I got 2 notifications on my phone saying that {$100.00} was withdrawn from my Doordash payfare payment account which was impossible I had my only debit card linked to my account was in my pocket. There is no ATM inside of this XXXX. 
I had used my card to withdrawal {$900.00} earlier in the day and paid for lunch at XXXX XXXX. 
There is a daily withdraw limit of {$1000.00} on my account. The security withdrawal limit did not stop someone from stealing or hacking {$100.00} out of my account. 
Then another {$100.00} was taken from my account which again exceeded my withdrawal limit. 
{$200.00} was stolen out of my account which exceeded my daily withdraw limit neither of these transactions should have been authorized as they both exceeded my withdrawal limit. 
After I saw this I went into the parking lot with the XXXX XXXX order and called payfare I reported the transactions, canceled my card, tore my card in half and ordered a new one. 2 Hours after {$200.00} was stolen from my account they were trying to take out more money! 
Payfare will not give me my money back they denied my request when I submitted the dispute form. 
Payfare will not tell me where these withdrawals were made Attached is proof that that I was shopping inside of XXXX on a XXXX XXXX  order between XXXX and XXXX on XX/XX/XXXX Attached is proof that the withdrawls were made at XXXX & XXXX pm Attached is proof that they attempted to take more money from my account at XXXX after my card was deactivated and tore in half.
Product: Student loan

I am writing this because I have been having nothing but trouble with the lender,  Navient.  They are EXTREMELY malicious and will NOT stop calling. They call at all hours of the da y INCLUDING while I 'm at  work and have demanded this to stop. I am not employed full-time because I was diagnosed with   XXXX   XXXX   XXXX   last year and almost died. After lodging multiple complaints with the lender and a complaint with the  XXXX , we were promised paperwork for myself and the doctor to fill out describing the severity of this sickness, but the paperwork never showed up. We also know that there are MULTIPLE lawsuits against  Navient abou t their practices and giving false information about individuals loans which led to credit issues with these individuals. NOW they are threatening to report what is going on to the credit bureaus. THIS IS NOT ACCEPTABLE and need some resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit reporting bureaus, Experian, XXXX, and XXXX have caused identity theft against me. 

Pursuant to 15 USC 1681B ( 2 ), a consumer reporting agency only can report with the written instruction of the consumer to whom it relates. 

According to consume law, I, as a consumer, am supposed to refer to the bureau definition of identity theft. And the CFPB states that " Identity theft '' is when someone uses my name, social security number, date of birth, or other identifying information without authority. 

I never gave any reporting agencies : Experian, XXXX, and XXXX authority to report anything on my report, but yet they had for years. They have committed identity theft.
Product: Mortgage

WF changed my payment dates from every paycheck to 2 times a month. This was not supposed to have happened. This caused me XXXX dollars in fees, late charges, insufficient fund charges, deposits on both my phone and electricity bills, and other issues because they took money out on the wrong dates. I am in need of the 30 days late notice taken off of my account. XXXX has seen the information and has taken it off of their website due to the 6 months of mistakes that WF made causing me enormous financial hardships that snowballed into causing me financial harm, and being late making payments. 

Please fix this.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I had my dad send me XXXX dollars, I went to the ATM to pull it out, and the ATM didn't dispense, or give a receipt, but it charged my card anyway. I made a ticket with Venmo but it wasn't going anywhere so on XX/XX/year> I called XXXX and they refunded it, but then right after, my Venmo ticket was denied, and Venmo took my XXXX refund for themselves.
Product: Money transfer, virtual currency, or money service

My son purchased some game while I was away in work, when I came back I requested refund stating I didn't do the payment, their customer support is so bad they had me to through developer, developer isn't responding then I ask what's the next solution? They don't know they say i can make some report against developer but no refunds, this is daylight robbery?? I request CFPB to get my refund with interest and fine Google for shady business practices
Product: Credit reporting, credit repair services, or other personal consumer reports

I been contacting XXXX for the last year about fraud inquiries, sending letters and a police report and the items are still there, I am effected by someone else fraudulent act and its not fair, I also ask for proof and I still have not received
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX XXXXACCOUNT # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.
Product: Credit reporting or other personal consumer reports

I am trying to manage a freeze on my credit through Equifax. Each time I try to log in to their website, it says " unable to complete this request '' or " give us a call ''. Each time I call, I enter in all of my information and it tells me they are " unable to verify my information ''. Today, XX/XX/year>, I called their number twice and it could not verify my information.
Product: Credit card or prepaid card

In XXXX I co-signed for a Care Credit account for a friend 's dental work with XXXX XXXX. The work was expected to take 6 months. In XXXX all dental  work was put on hold in Michigan due to Covid-19.  Dental  work resumed XX/XX/XXXX, and my friend has 3 more visits to go until her work is complete. 
During this time we never received a bill. She asked the dentist who said that happens sometimes. We assumed once the service was complete we would receive a bill and begin payments as agreed. 
Last week I checked my credit report and saw Care Credit through Synchrony Bank had reported me as 150 days late. I called them and they could not give me any information, just sent me to a collections department. I spoke to the lady there, who could not tell me how to make a payment, said I would not get a bill and just kept saying you should have called us 7 months ago. Maybe we should have, but we assumed we would get a bill when the procedure was complete. 
The account number is XXXX XXXX XXXX XXXX. The balance is {$12000.00} approximately. I want to pay my debt as we agreed, but can get no cooperation from Synchrony Bank.
Product: Student loan

I don't have specific dates or amounts, but Navient, who my unbelievably high loans are through, uses what they call " income-based '' repayment plans. In which they review your bank statement and calculate that they can pretty much XXXX up every available XXXX you have. The only other option is to pay whatever the usual monthly minimums are and because my loans started around $ XXXX, my " minimums '' would basically be the equivalent of mortgage payments, anywhere from {$800.00} to {$1100.00} a month. I don't make that kind of money. Never have. That said however, because it was XXXX, I feel like I shouldn't have to pay even half that.
Product: Debt collection

None of the categories provided by the CFPB for initial input of my complaint suited the particular facts of my complaint. The specifics are : I was sued by law firm for Plaintiff to collect on debt incurred by my ex-husband. They obtained judgment against me in the amount of {$1800.00} plus interest and costs. I have been making payments at {$100.00} per month beginning in XXXX, 2016. Nearing the end of payments I reached out to pay the balance by credit card calling numbers provided on pleadings related to the judgment and on their website ( XXXX XXXX XXXX ) over multiple days. I also left several messages but never received a call back to this date. I sent a letter with 2 months worth of payments ( {$200.00} - which still has not cleared the bank ) and a letter requesting they provide me with the balance owing so I could pay it in full. I calculate I owed about {$280.00} at that time. People who owe them money are going to have difficulty paying their debt if there is no way to contact them but by snail mail and there is no way to pay the debt other than check and the resources they references they provided on their website are not functioning. I am concerned that they are trying to extend or expand the amount I owe by not accepting final payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me XXXX and financial XXXX when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report.
Product: Mortgage

KeyBank purchased my former mortgage holder, First Niagara Bank. On XX/XX/XXXX, I received a mortgage analysis from KeyBank advising that they needed to collect a sum for taxes and insurance that was four times the amount needed to satisfy the actual amounts. Clearly an error. I called on XX/XX/XXXX and was told I 'd receive a call back that never happened. On XX/XX/XXXX, my new mortgage statement arrived and still contained the erroneous data. I called the number on the statement and spoke to a very nice lady in XXXX, XXXX who was taking calls for KeyBank. She said she 'd have someone call me. Never got a call. On Thursday XX/XX/XXXX, I called KeyBank mortgage services and spoke to a person who said a supervisor would return my call by end of day. Never got a call. Bottom line ... my taxes and insurance total cost is about {$1100.00} for a year. The KeyBank statement shows that they want to collect {$3600.00} for the year. I ca n't get anyone at KeyBank to return a call, so I have no recourse but to try and get action in some other way.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act. XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy According to the 15 u.s.c 1681 section 602 states I have the rights 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 15 U.S.C 1692C These addresses do not belong on my credit report
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I am writing to formally dispute a debt that is being pursued by Credit Control LLC XXXX who claims that I owe a debt that I do not believe is mine. I respectfully request Consumer Financial Protection Bureau ( CFPB ) investigate the actions of this debt collector, as their attempts to collect on the alleged debt violate the provisions of the Fair Debt Collection Practices Act ( FDCPA ) as outlined in 15 U.S.C. 1692 et. seq. 

Sincerely, XXXX XXXX
Product: Mortgage

I was paying on a modification agreement of which was supposed to be Wells Fargo bank.After paying {$6300.00} I was informed an email from XXXX that the modification is a scam. I notified Wells Fargo through certified mail of the scam but did not get a reply. Hope services notified me that there is a class action lawsuit against the fraudlent company. I was convinced that the company is legit because they have information about me that could only come from Wells Fargo. I was made to understand that the person that called me was a former Wells Fargo employee. Wells Fargo put my house for sale on XX/XX/2016 at the XXXX XXXX courthose on XXXX XXXX XXXX NY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax states that my information has been compromised/stolen
Product: Credit card

Let me start by saying that I am a XXXX XXXX with serious XXXX. I have Always paid my account with Kohl on time. This whole problem situation began back in XX/XX/year> when I paid my Kohl 's charge card on the XXXX which is a XXXX. My payment is due on the first of each month. They didn't post this payment right away and then charged me {$40.00} for a late payment. Your agency got this resolved and I was given a credit. I, being a very responsible individual, decided to pay my Kohl 's payment for XXXX in advance at the end of XXXX. I did this so I would not be marked late and charged a late fee. Well, as you can see by my XXXX statement that Kohl 's went ahead and charged me a fee saying I didn't pay XXXX because they took my payment and added it to my account in XXXX so they could charge me a fee of {$40.00}. I had paid {$35.00} which was above and beyond my normal monthly payment of {$29.00}. i immediately called Kohl 's customer service department and spoke to XXXX who stated she had to transfer me to a Specialist named XXXX. I explained my situation and thinking and XXXX stated they did not apply my XX/XX/year> payment to XXXX so they charged me a fee of {$40.00}. I asked for her help in resolving this and I was refused. I was Not going to allow them to do this to me. I was an honest long time customer and this is outrageous. I paid XXXX, XXXX, XXXX on time on the first because of this ongoing issue that they refused to acknowledge or help me with. I paid {$35.00} every month instead of my normal required amount of {$29.00}. As you can see by the monthly statements from Kohl 's which I have attached, they went on to continue to charge me a XXXX XXXX  monthly fee. I contacted Kohl 's again at the beginning of XX/XX/year> to again try to get some resolution. That didn't happen. Instead, some woman asked if I am filing bankruptcy. I said, " what??? '' What are you talking about? This whole situation insane. I told that person I had to file with you because I was getting nowhere with Kohl 's. I was being abused emotionally and financially. How could they do this to me when I paid on time and am a XXXX with XXXX??? I then had to call their automated service and make a payment. I see that they put on a XXXX fee of {$56.00} and I have no idea what this is. I really need help to get this all resolved. Any company that is decent would have helped me and resolved the issue back in XXXX instead of doing what they did to me. I need this resolved asap because I am Not paying fees when I did nothing wrong and the General Public needs to become aware of their tactics to financially ruin Senior Citizens. They also had the audacity to mark me late on my credit report!!! This mark which is incorrect needs to be removed.