23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/22 CITIFINANCIAL RETAIL PR, XXXX XXXX receive a payment of XXXX with reference number XXXX on behalf of my XXXX XXXX XXXX account, that payment was made by mistake, since then I have been trying to contact them for a refund by information provided by XXXX XXXX XXXX, but I haven't succeeded. They told XXXX XXXX XXXX that I have to present the complaint myself so they can refund me the money. XXXX XXXX give me the postal address of CITIFINANCIAL but when I send it, the letter was return to me for insufficient address. As of this day I haven't make any contact with them to get the refund of the money. 

My email address is XXXX XXXX
Product: Student loan

I have kept in touch with my lender over the span of my loans. Recently, my lender has reported XXXX late payments for the months of XXXX XXXX, XXXX XXXX. These alleged late payments are also being reported negatively to the credit bureaus, when in fact I have requested before these reports that a forbearance be granted due to the fact that I have been enrolled in education towards my professional development as well as in the teaching profession since XXXX. According to the Office of the XXXX, if I am performing XXXX, and have been active in my professional development, I qualify for a mandatory forbearance. I have called my lender throughout the years to advise them of my XXXX status in a high need area while being a highly qualified XXXX. They have neglected to report my account accordingly, even though I have communicated to them about this error, they insist on not retracting these late payments that should have been under forbearance. As I pursue my options for repayment, the delinquent reporting is hindering my progress to pay off these loans satisfactorily.
Product: Checking or savings account

I opened a total checking account at the chase branch in XXXX and was told I could overdraft my account as opposed to my current account which was secured banking. I just got off the phone with customer support and they told me the system dictates weather or now Im allowed to overdraft my account or not
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks.
Product: Debt collection

On XX/XX/2022 I Acquired my home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on that day was to be treated as cash per 1882 Bills Of Exchange Act. The debt was paid in full and The debt of Exchange was signed, sealed and delivered back to XXXX XXXX XXXX XXXX, I hold no contract with Wells Fargo Bank nor do I give them the permission to use my credits in no type of way a XXXX has already been filled with the IRS as this is identity theft fraud and violation of Private Estate and Trust. Also upon return from my dad passing away only to return to my home being broken into by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, my electric meter taken out and all private property in our dwelling destroyed and or missing as a XXXX XXXX I feel unsafe unsupported and unwelcome in the said country I fight to defend.
Product: Debt collection

Dear Sir, Initially this debt claimed by XXXX. I was their customer the last 11 years and paid my bill on time. Since their service / signal is very bad at my work place almost the last 4 to 5 years. I finally decide to change my service to another provider and paid all the total balance and closed my account. After I closed and paid the balance amount, they keep send me the bill and I contact their customer services more than 8 time and different occasions, they confirmed me that they will remove their claims and close my account but they sent it to the collection office. And keep sent me further bills like I'm still their customer for more than 3 months and I keep all those bills for references. This amount {$62.00} is not a big deal for me but I won't pay a single XXXX for the service I did used ... 

Thanks! 

XXXX XXXX
Product: Mortgage

Requested assistance in XX/XX/2023 as we were 3 months behind on the mortgage due to loss of income- we are both self-employed. Was told by the representative that we didn't qualify for a modification. XX/XX/2023 received a letter from Selene Finance offering us a modification but the home went into foreclosure in XXXX. We filled out the necessary forms, submitted bank statements on XX/XX/2023. On XX/XX/XXXX, i was contacted by Selene as they needed the profit loss statement for my husband 's business - that was sent in to them. On XX/XX/XXXX they needed by profit loss statement and I sent that in to them at XXXX ; XXXX XXXX. via email. Selene has closed the application on XX/XX/XXXX stating that the application was incomplete and I was informed via a phone call that I placed to Selene. They have no intentions of approving a modification as the foreclosure sale date is XX/XX/2023. 
I submitted anew application on Friday XX/XX/XXXX which doesn't give us much time to stop the foreclosure if they don't review the initial documents sent. I've sent a complaint about the situation to Selene, the XXXX XXXX XXXX who's handling the foreclosure and XXXX XXXX Mortgage Fraud.
Product: Debt collection

XXXX car rental added other fees at the airport. I was only suppose to pay taxes at counter since I paid the rest through XXXX. I even pairs toll fee since I was responsible for it with their added Fe of {$15.00} for a {$2.00} toll. But I am not paying their add ones. I disputed with my credit card and won. Now they trying other ways to get my money.
Product: Vehicle loan or lease

The company that sold the vehicle, sold a lemon. The vehicle was unable to be driven after 23 days of possession. That is why there is such a high loan balance due after repossession. I was unaware that I was a legal co-signer, I thought I was a reference at the time I signed the co-sign paperwork. The individual summarized the paperwork and had me to sign it. I didn't realize I was a cosigner until it was on my credit report. During the repossession process I was never made aware of any delinquencies or given a chance to assume the loan and pay it off. Now, I am trying to make payment arrangements for a repossessed vehicle that wasn't mine and they are giving me a hard time. My wife called three times and they refuse to give us information or make payment arrangements for the remaining balance. She called three times today, the XX/XX/XXXX, and each time they ask to speak with both me and the person I co-signed for and I keep explaining that is not possible. The person I co signed for doesn't want to pay the balance because it was a lemon.
Product: Credit card

American Express sent a new credit card in my name to XXXX California and cancelled the card I possessed in XXXX. My identity theft service and I spent numerous hours with XXXX resources around the world, and all American Express personnel continually refused to give me details about the fraudulent telephone call, and most did not call me back as they said they would. Their response to my original letter did not in any way answer my question or resolve my issue. Specifically, I want to know what that criminal said that caused American Express to send a credit card in my name to an address that was never ever on my account. I also want to understand the policies and procedures for sending credit cards to addresses that are not part of the account, and what the law states. 

I placed my American Express credit card on hold until I received the info that I requested, and I never did. This month, they have billed my account for an annual fee, which I am obviously not paying, I only used the card for 4 months after I got it and until this situation is resolved to my satisfaction, I will keep the card in an inactive state. 

I would like someone to contact me with the information requested so that I may evaluate the security practices and my desire to keep this credit card. I have a right to know the details of that call and am at a loss for why American Express will not provide it to their customer. I have been using corporate American Express cards for may years and this unresolved issue will cause conflicts with corporate customers that I may be employed by in the future. 

I can try contacting an investigative reporter from XXXX of the major networks, but I prefer to avoid that headache, so if CFPB can get a better response than I got the first time American Express sent a letter to me, I will be thankful.
Product: Checking or savings account

Hello I am writing to file a formal complaint regarding a disputed transaction with Cash App. On XX/XX/XXXX, a transaction amounting to {$42.00} was made to a company that misrepresented itself. This company 's name did not match the transaction, In addition the company shows that the payment did not get processed but it did go through since the transaction was cleared and posted for the same amount but completely different name leading me to believe it is a fraudulent entity. 

Upon realizing the misrepresentation, I disputed the transaction with Cash App, providing evidence in the form of screenshots clearly indicating that the payment was processed and attempted to get in contact with the merchant which is impossible. The company website is XXXX and they represented themselves as XXXX XXXX XXXX XXXX and the bank transaction process as XXXX XXXX XXXX this evidence, Cash App has denied my claim stating the transaction was correct and no misrepresentation on behalf of the fake company was found but it clearly is I have provided Cash App with all the necessary evidence to support my claim, including documentation highlighting the discrepancy between the company 's representation and the actual transaction. Despite this, my claim has been unjustly denied. 

This transaction was not authorized as it was a scam I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely,
Product: Credit card or prepaid card

It is my understanding according to the " Dispute '' rights in the terms and conditions of my XXXX XXXX XXXX that " all '' disputed charges will be credited until resolution has been reached. 

I believe following my initial request on XXXX via the XXXXXXXX XXXX website email which was for my account to be " Closed immediately '', that I should have immediately received a hard copy of my final " bill/statement '' for this account within approximately 30 days. I DID NOT receive a final " bill/statement '' and have not to date. XXXX XXXX continues to ignore fault while also continuing to add late charges and interest to the amount ( s ) in dispute. 

I feel like XXXX XXXX is " muscling '' me and trying to bulldoze me into paying for their mistakes and improper procedures. I seek your assistance in the resolution of this debate. 

Thank you.
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 XXXX out of XXXX 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 : 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: Debt collection

Recently, I have mailed a letter requesting verification of inaccurate accounts reporting on my credit report that your bureau maintains on. I never received a response stating the account ( s ) were verified. This account was fraudulently opened.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent certified letters to Transunion, XXXX and XXXX via physical mail asking them to help validate some inaccurate information I found on my credit reports. Today is now XX/XX/XXXX and I received a corresponding physical letter from a debt collector, XXXX XXXX XXXX. 

According to XXXX this company does not have a license to collect ANY debt in the state of Texas. 

From this physical letter they sent to me, they are in violation of XXXX laws. 

XXXX XXXX Code XXXX - Acquisition of location information ( XXXX ) not state that such consumer owes any debt ; ( XXXX ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; According to 15 U.S. Code 1692k - Civil liability ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ;
Product: Debt collection

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : PENN CREDIT CORPORAT Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm a victim of identity theft. An identity thief exploited my personal information without my authorization to open an account with XXXX XXXX. This is not my debt. I've attached confirmation of my identification and a copy of my FTC identification Theft Report. Also a Police Report. 
In compliance with the Fair Debt Collection Practices Act, I request that you halt collection proceedings against me and stop communication with me about this debt, except as permitted by the Fair Credit Reporting Act. I further ask that you notify XXXX XXXXand explain that the debt is the product of identity theft. 
I've enclosed a copy of the Consumer Financial Protection Bureau 's Notice to Information Furnishers. It clarifies your obligations under the Fair Credit Reporting Act ( FCRA ). The FCRA requires debt collectors to provide an identity theft victim with account-related documentation if the victim requests them. Please send me copies of all records associated with the account, including : Account applications are submitted on paper, online, or via phone. 
Account statement or invoice Records of payment or charge slips Delivery addresses associated with the account.

Records of phone numbers used to activate or access the account. 
Signatures for applications and accounts Investigators report. 
Please send me a letter describing what you did to : Inform XXXX XXXXthat the debt is due to identity theft. 
Stop the collection proceedings against me. 
Stop sending information about the debt to credit reporting agencies. 
Please provide me with the records I seek. 
I appreciate your cooperation. 
Sincerely, XXXX XXXX XXXX  Enclosures : POLICE REPORT. 
Identity Theft Report.

CREDIT REPORT.

For proof of identity, go to the CFPB 's Notice to Information Furnishers [ PDF ].
Product: Credit reporting

I 'm filing this complaint against TransUnion because they ignored my request to provide me with the documentations that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the XXXX day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA, they are " required to promptly delete all information which can not be verified '', that I have disputed. Please resolve this problem as soon as possible. Thank You!
Product: Student loan

I just recently received a notice from the FTC ( Federal Trade Commission ), dated XX/XX/XXXX, notifying me that AmeriTech Financial, a company that I used with the intention of getting a lower monthly payment on my loan, is being sued by the FTC for deceitful tactics. 

I am filing a complaint in regards to being a victim to these deceitful tactics that they are being accused of practicing. When AmeriTech Financial first reached out to me, they told me that, with the help of an act created by President Obama, I would be eligible for a $ 20 monthly payment for the life of the loan until it was forgiven, as long as I first made five monthly payments of {$160.00}, starting on XX/XX/XXXX and ending on XX/XX/XXXX. The way they worded it made it seem like these first five payments were going toward my loan and then my lower payments would be kicking in. AmeriTech failed to inform me, and other consumers, that the services they were charging for are things that can be done for free with the help of the Department of Education. What it boils down to is that AmeriTech used shady, deceitful tactics to make it appear that they were helping me, where in turn they were actually taking {$840.00} from me for a service that they knew was offered for free by a government program. 

After receiving the notice from the FTC, I reached out to AmeriTech on the phone to inquire about a refund, only to be hung up on twice in a row. This is just another example of what kind of company AmeriTech Financial is. 

I hope people see this and use their due diligence when choosing a company to work with -- I learned my lesson and I hope others learn from my experience.
Product: Credit card

Wells Fargo is blatantly denying the increase of my credit limit on one of the cards. I have held the card for more than six months now but Wells Fargo always declines my request to increase the credit limit.

The reasons given are very vague and are inconclusive. One of the reasons they state is to have money in their account which doesnt make sense because if doesnt pay any interest.

I have been a loyal customer of WF since 2019 but It is very frustrating to do business with WF The small credit limit restricts my purchasing power thereby tying my hands to make purchases.
Product: Money transfer, virtual currency, or money service

Expressing formal concerns regarding zelle handling disputes, particularly with recent info given by CFPB & the lawsuit highlighting significant issues with the platform.
Product: Debt collection

Following a thorough analysis of my recent credit report, I noticed various accounts that seem incorrect and were included without my knowledge.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of Identity Theft, Checking my Credit Report after years i saw 2 Bank Of America Credit Cards Open under my name
Product: Credit reporting or other personal consumer reports

I use to have a student loan with XXXX XXXX XXXX. XXXX XXXX XXXX transferred the servicing of the loan to XXXX XXXX XXXX ( XXXX ) and the loan has since been paid off after the transfer was done to XXXX. Experian is still reflecting that the loan is open with XXXX XXXX XXXX with an outstanding balance of roughly {$17000.00}. Spoke to XXXX a supervisor at Experian who established case reference number XXXX. XXXX asked me to upload the supporting document from XXXX XXXX showing the transfer to XXXX and a XXXX balance which I completed on XX/XX/year>. I have disputed this item several times and even had a conference call with XXXX from Experian and a representative from XXXX XXXX about the issue, where XXXX XXXX shared documentation for my credit profile to be updated. On XX/XX/XXXX I received an update from Experian that they are refusing to make the correction even with the supporting documentation that they requested and received. I don't know what else to do. Please help!
Product: Checking or savings account

On XX/XX/ I transferred {$6000.00} to my Navy Federal Credit Union Savings account from XXXX XXXX XXXX XXXX 

On XX/XX/2023, I transferred the {$6000.00} back to my XXXX XXXXXXXX XXXX XXXX account from Navy Federal. 

On XX/XX/2023, Navy Federal Credit Union made an unauthorized withdrawl of {$6000.00} from my XXXX XXXX XXXX XXXX checking account.
Product: Debt collection

Hello CFPB, I recently pulled my credit report and noticed I have a collection account thats reporting from Conserve for XXXX XXXX XXXX XXXX for an amount of {$580.00}. I attended XXXX XXXX XXXX 2 years ago on a college grant and therefore I do not owe a balance whatsoever. Not only that, I was not sent the property correspondence from Conserve warning me ahead of time of any collection efforts before the the account was reported to the credit bureaus. I contacted Conserve on XX/XX/2021 and was told they could jot verify my identity to provide any details regarding the debt/account. Please help!!
Product: Credit reporting or other personal consumer reports

Self stated consumers do not have the option to opt out of reporting to a 3rd party. Self also stated credit reporting agencies are EXCLUDED from being considered a 3rd party. Self stated they report information to the credit reporting agencies which do not require written consent from the consumer.Self stated they do not report transactions or experiences.I have attach SELF reply from the CFPB displaying these statements.I have highlighted in SELF statement where SELF mentions these statements. SELF used 6802 ( E ) ( 6 ) as a reference. I have attached 6802 ( E ) ( 6 ) to this complaint and highlighted the section.6802 ( E ) ( 6 ) states ( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C . 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency. Also 6802 ( E ) states ( 2 ) with the consent or at the direction of the consumer. NO where in these statements SELF mention is stated consumer can not opt out and or the credit reporting agencies are EXCLUDED. 
I also attached my consumer report that displays these transactions/Experiences with Self.