23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is a request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts/inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ; INQUIRIES : XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX, XXXX XXXX XXXX Date XX/XX/XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

Ive watched the videos for the one main financial pay out for extra add ons they added to loans I was made to believe they were complimentary services for having the loan not add ons you paid extra for I took out another loan with them to pay off the first loan which cancelled the services. The first loan was taken out around XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I not recognize this Inquiries in my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I applied for a pre-approval in XX/XX/year>. As a part of this process, I provided many documents that were requested and filled out a pre-approval application. Within the documents were my name, income, and social security number. On at two subsequent occasions, I provided via email the property address, the estimated value of the property, and the mortgage loan amount sought. In these emails, I attached our contract ( offer that hadn't yet been accepted/ratified ) and I requested a loan estimate be provided. For the first request on XX/XX/year>, the loan officer provided a " cost estimate '' in his words, and it was titled a " loan summary worksheet. '' When I responded that what I was requesting was an official loan estimate, he called and told me that I could not have one and explained that I would have to do multiple additional tasks in order to get one. I explained that under the Truth in Lending Act, I have made an application and would like a loan estimate. He never provided one. We subsequently rescinded the offer on the property. On XX/XX/year>, I emailed the loan officer again with the property address, value, and requested loan amount. He responded that he could not provide anything because our preapproval expired on XX/XX/year>. I subsequently spoke with his supervisor and explained that they couldn't require me to provide any validating documentation, and since they had my name, income, social security number, property address, estimated value, and requested loan amount, they were required to provide a loan estimate. The supervisor informed me that the only way they could provide the loan estimate was for me to spend an hour on the phone with a loan officer providing all the information for him/her to click through the online application for me, or I could go back into the system and complete another application ( which would also take an hour ). When I refused to do that since they had all of my information and I can not be required to provide anything additional in order to receive a loan estimate, she informed me that they would not be providing a loan estimate. 

At this point, I provided all of the information on XXXX XX/XX/year> and three business days have passed without being provided a loan estimate. Further, I have been informed that they refuse to provide a loan estimate unless I provide additional documentation and as such, I believe they are in violation of 12 CFR 1026.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 

XX/XX/year> {$1100.00} XX/XX/year> {$500.00} XX/XX/year> {$220.00} XX/XX/year> {$400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax data breach that happened last month, I am being impacted as part of that & I want to report it. 
I have followed the steps suggested on their website to check whether I & my family members are affected & we are. 
I also enrolled for the protection services they have recommended. 
But the credit freeze service which they are providing are having high charges, I believe these should be made available for free, that is the main concern.
Product: Mortgage

We received a loan modification from TD. We complied with all the payments. 
completed XXXX trial payments $ XXXXCash contribution of $ XXXXXX/XX/2014 modification began $ XXXXXX/XX/XXXX notice of new payment $ XXXXSince receiving that letter we have called and emailed out representative. No responseCalled TD bank XXXX times a week on phone for hours being transferred around. No one knows what 's going on and they say a supervisor will call back. They never do. 
What do we do? Nowhere in agreement says this is going to happen.
Product: Money transfer, virtual currency, or money service

I have an unauthorized charge in the amount of {$190.00} XX/XX/XXXX on my PayPal account. I reported this immediately to PayPal and expected that they would resolve the issue, as they advertise : Report it within 60 days of when it appeared on your statement and if unauthorized transactions are eligible, you wont be held liable. 

The unauthorized charge was from a merchant where I had cancelled a free trial in writing on XX/XX/XXXX and advised PayPal of this. PayPal concluded that it was an unauthorized transaction in part of their correspondence, but then they state that I am on my own to try to recoup my money ( which was charged through PayPal Credit ) from the merchant. 

Please help me resolve this issue and correct PayPals misleading claim of zero liability for unauthorized charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have a loan with ALLY FINANCIAL. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the XXXX and XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.
Product: Credit card

I am writing to file a formal complaint regarding PenFed Credit Unions handling of my balance transfers and payment allocation. I believe the practices they have employed are unfair and have resulted in unnecessary and unexpected financial penalties. 

In XXXX, I initiated a balance transfer with PenFed, which was set to expire on XX/XX/XXXX. Shortly afterward, I initiated a second balance transfer, with an expiration date of XX/XX/year>. I have been making consistent payments on my account, including additional payments that exceeded the minimum requirements, with the clear intention of paying off the balance transfer that was due to expire first, by the XX/XX/XXXX deadline. 

However, I have now been informed that PenFed has allocated my payments across both balance transfers, instead of applying them to the first balance transfer, which was my primary goal. I have not made any purchases on the accountmy only activity has been related to these balance transfers. Despite my payments, the first balance transfer expired, and PenFed has now applied an 18 % interest rate to the remaining balance. 

When I contacted PenFeds customer service for assistance, I was told that there is no option to allocate my payments to a specific balance transfer, which I find deeply concerning and unfair. My intention was to avoid accruing interest charges by paying off the first balance transfer before its expiration, yet PenFeds payment allocation system has essentially prevented me from doing so, despite my timely payments.

I feel that PenFeds actions have boxed me in as a consumer, limiting my ability to manage my finances effectively. I believe it is unreasonable for them to allow multiple balance transfers with different expiration dates but offer no way to direct payments toward the most urgent balance. In secured products like mortgages, consumers have the option to allocate payments towards principal balances, but this flexibility appears to be absent in revolving credit accounts, which has led to these unwarranted finance charges. 

I have already reached out to PenFed, requesting that they waive the accrued finance charges or allow me to make an additional payment to cover the difference and avoid further charges. However, they have refused to provide any assistance or solutions, leaving me without recourse.

I am seeking the CFPBs assistance in holding PenFed accountable for this unfair practice and requesting a review of the payment allocation policies that led to this situation. I ask that PenFed be required to waive the accrued interest charges and allow me to allocate my payments as intended, as well as review their payment allocation system to prevent this from happening to other consumers in the future. 

Thank you for your attention to this matter. I look forward to your guidance and any resolution you can provide.
Product: Checking or savings account

I opened a checking account with Citibank in XXXX of this year. After getting emails reminding me to fund my account I transferred money from my prepaid card. I then received a XXXX of {$100.00} on my birthday XX/XX/year>. On XX/XX/year> I received my workers comp check from my job XXXX and did a mobile deposit for the amount of {$580.00}. I received an email saying that it was received. On XX/XX/year> I went to check the citi mobile app and it said having delays.. try again later. After several attempts throughout the day I tried to use my debit card and was unsuccessful. I called and was told that my account was placed under review for XXXX hrs. I then received an email saying my deposit was accepted. I wait the XXXX and XXXX still denied access to my account. I call again XX/XX/year> and XXXX told to speak with the fraud department because my account has been blocked. They tell me my account is blocked and they decided to close it. I was never given any notice. My account hasnt even been used more that 5 times and they decided to close it. I received an email XX/XX/year> saying that my account was closed due to violating their contract. All of this because I did mobile deposit which they allow. Im not allowed access to my funds until they decide. XXXX days is too long when theyve already claimed my account is closed. I want my funds and nothing to do with this bank that is robbing their customer.
Product: Credit reporting or other personal consumer reports

Nelnet has refused to properly update my student loan balance on my credit report for four months now, and they flat out refuse to help when I call them. Once again, my credit reports are incorrect, and the only way to attempt to fix them is to waste my time filing a dispute with the credit agencies. 

It is impossible to get a hold of a representative at Nelnet who can actually do anything to help. It is near impossible to get a hold of any representative at all. They will claim that they are busier than usual, and they are sorry for the inconvenience, but they know darn well that they refuse to hire enough people to handle the job, and train them well enough to do actually do anything remotely helpful. They have no problem wrecking people 's credit scores, as there is no consequences for their actions. This is a scam, and Nelnet does not deserve to stay in business.
Product: Vehicle loan or lease

I have called and emailed Kia Finance about my new vehicle loan at least four or five separate times regarding excess payments I've made to my loan. The first five payments I made were more than the required monthly payment. The additional amount is to be applied to the principle balance of the car note. On at least four separate occasions I have called and asked that the additional payments I made be applied to the loan balance and not credited to future payments. Each time I call, I am reassured that the payments will be corrected and I will be notified when it's complete. I'm going on month seven of my loan and none of the additional payment amounts I made have been applied to principle. My requests are simply being ignored.
Product: Debt collection

Commonwealth Finance has duplicate accounts in the collection on my credit score for the amount of {$700.00} on XXXX XXXX, 2017. They also have another collection in the amount of {$470.00}, on XXXX XXXX, 2017. I feel this is one account that they have reported has inaccuracies causing me to have 3 accounts in total- which is based off a singular debt. Which has effectively given me duplicate derogatory marks on my credit, off of one debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The report does not state any of my current information that i can see.
Product: Credit card

My card was stolen XX/XX/XXXX, once i realized it was stolen i immediately called and canceled. i received several emails from capital one stating that if it was not me please contact the. Contacted capital one, they began investigation XXXX XXXX, XXXX. Since the investigation, I 've continuously called to get updated. Since XXXX XXXX, XXXX i have contacted them at least 7 times. I spoke with rep on XXXX XXXX, XXXX that said i would have funds available in 48hrs. still did not have any available the next XXXX reps after were not helpful at all, continued to tell me that there was nothing they could do, i had to wait until investigation was complete. My biggest issue is that i am a customer and you should n't let the customer go a month without funds or trying to help them out in any way. i have a payment due XXXX XXXX, XXXX and they are going to want there money, no excuse. if not paid i will get late charges etc. This has really inconvenienced me in everyway because they denied my credit increase due to the fraudlent activities, i could not purchase XXXX gifts, since the investigation i have n't had any funds or any real sympathy. this was my last option to contact you guys. so if there could be anything done i would greatly appreciate it. ( orignal statement sent to XXXX ) Capital one has refused to settle with me, i asked for a settlement of {$4500.00} dollars after investigation took longer than the time given to me. Also since then i experienced financial hardship which forced my wells fargo account to overdraft and owe a {$1200.00} balance. I had to borrow money from family members which i soon have to pay back in total of {$2000.00}. Capital one has been handling the case in a unprofessional manner, its takes weeks to get response from them, they did not offer anything to me while the investigation was going on with the fraud claim. I did not use card in over 3 months and they still are asking that i pay them along with fees that were associated with all transaction that were made. Every time i called no one could give me answers they always said " XXXX temporary funds will be available on your card in 48hrs ''. Capital one is not the business to use, my card was stolen, used by someone to purchase numerous transactions and nothing was done for me. I feel used by the company and there are several reviews of things happening to other customers. XXXX XXXX of XXXX has been very helpful with assisting me. Since the business has failed me i have been in contact with my local court to file a small claims suit against them for failure to settle. So i am reaching out to you guys to see if you could reach out to them, i was recommended to you by XXXX XXXX XXXX on behalf of XXXX.
Product: Prepaid card

I have had a Google account for 8+ years, and I have had a Google Wallet account for over a year. Recently, I requested a Google Wallet XXXX which is a co-branded XXXX debit card ( essentially a prepaid debit card ). On the morning of XXXX XXXX, 2015, I received an email that my account was temporarily blocked due to suspicious activity that I reported to Google. When I called in, I was unable to speak with anyone in the Risk Department. Then, I received another email this time indicating that Google had flagged my account for fraudulent activity. There were no improper transactions on my account. The third communication from Google indicated that they had to close my account, and there was nothing I could do because they had the right to close any account at anytime without notice and without liability if the terms of service were violated. I do not know what I did wrong, and I guess I never will. 

I was an XXXX for a number of years, and we never closed accounts without providing specific reasons.
Product: Credit reporting or other personal consumer reports

This is my numerous request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXXXX Balance Owed : {$5500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I purchased earrings for my daughter 's XXXX birthday from a XXXXXXXX XXXX department store in XXXX, Oklahoma. When I did not receive a bill from XXXX XXXX I sent them a check on XX/XX/XXXX for the entire purchase price of {$170.00} which they received and deposited three days later on XX/XX/XXXX. I have copies front and back of the check proving XXXXXXXX XXXX received the check and deposited it. They never credited my account. I spent literally hours on the telephone with XXXXXXXX XXXX explaining and providing copies of the cashed check. They would not listen but turned the account over for collection to XXXX XXXX XXXX XXXX based in XXXX, Florida. I again spent hours on the phone with different representatives of XXXX XXXX and sent them copies of the cancelled check front and back with no success. Throughout the process XXXX XXXX continued to add interest and late fees. Eventually negative information was shared with all three credit bureaus and my credit was and continues to be severely damaged. I filed a dispute of the negative information from XXXX 's with Equifax on XX/XX/XXXX but never received a response from Equifax. I spent nearly an hour on the phone with Equifax today with no benefit other than being cut off after speaking with two representatives. I am am retired attorney with a high net worth. It was never a question of my ability to pay. I paid on time and in full though I had not yet received a bill from XXXX XXXX. Though I live out of the country my credit is important to me. I need to get this travesty straightened out and will do whatever I need to do towards that goal. My email is XXXX. My telephone is XXXX XXXX XXXX. Thank you in advance for your time and attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX/XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX BANK Account # XXXX XXXX XXXX/XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has 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
Product: Payday loan, title loan, or personal loan

XXXX # XXXX I took out a loan with Lending Club and as of XX/XX/2021 the payments were supposed to be sent to the creditors I chose to pay off with this loan. They stated to give it 4-7 business days for the payment to reach. This would have been XXXX/XXXX/21. I have since called them every day and sometimes twice a day to find out where they payment was. As of XXXX/XXXX/21, the 1 creditor which had not received the payoff sent notice to the credit bureau and marked my count as delinquent. Because of this, my credit score dropped a total of XXXX pts. I am under contract and trying to purchase my first home. This credit score drop could really hurt this and it's not my fault. I really need someone's help asap. This has now been going on for 6 weeks. And, I keep having to pay my previous loan. Also, payment is due to Lending Club, but I don't feel I should have to pay for something I have yet to receive the benefits of! When is enough enough?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 - XXXX, XXXX and Transunion. I am requesting the removal of all hard and soft inquiries that are older than two years old.