23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

On XXXX XXXX, I transferred {$400.00} from my personal checking account ( XXXX ) to Google Wallet. The transaction ID is XXXX. Google Wallet is an app which is paired with a Google Wallet Mastercard. Its like XXXX except XXXX works as advertised. According to media reports, most of the funds GW holds on behalf of its account holders is held in FDIC insured accounts, but the GW TOC claims that GW is not FDIC insured. Several operators told me GW is not bound by FDIC regs. 

I transferred the money because the UI explicitly and unequivocally stated that the funds would be available in seconds. It stated " Money will be available in a few seconds '' " It may take a few days for your bank account to be debited ''. 

I immediately received an email that the funds would not be available in GW until XX/XX/XXXX. I immediately called GW customer service. The operator stated that this was a recurring problem. She cancelled the transaction, then warned that the money would still be taken out of the account, but that my bank could stop that from happening. She, and several other operators stated that this could not be stopped by GW once initiated. 

I called my bank and was told that stopping such a transaction was simply impossible. The problem is not with my bank. They always do everything right. The money was transferred from my account the next day ( XX/XX/XXXX ). It is now XX/XX/XXXX. I spoke with my bank and a GW manager and XXXX GW operators today. The transfer from XX/XX/XXXX is the only relevant transaction they can see. The transaction appears as failed in the GW dashboard, so my balance there is {$0.00}. The GW operator told me the money " should be '' in my XXXX account. My money is reflected nowhere. I am told it will reappear in a few days. I believe it will. The problem is the button said that the funds would be available in seconds, not weeks. Another problem is that the {$400.00} is not reflected anywhere in the observable universe. If a bank ( or even a small time payday lender ) did this, the FDIC would kick the doors off the hinges and have the place in receivership in an hour. They would be cuffing people. This same dilemma almost certainly recurring XXXX of times a day. I just checked and the UI is still promising " money will be available in a few minutes ''
Product: Mortgage

On XXXX, after having started the refinance process back in XXXX of XXXX, I was told that I was declined due to a debt to income ratio of 53 %, I have provided to Penny Mac my bank statements and tax returns that show my taxable income in XXXX was {$130000.00} and that my taxable income in XXXX was {$190000.00}. 
The loan I am refinancing is currently 3.625 % with a payment of {$2400.00} per month XXXX XXXX XXXX. The principal amount is {$340000.00} with an appraised value of over {>= $1,000,000}. The loan I am applying for would be a 30 year conventional at 2.5 % with XXXX of a point buy down. The payment would be approximately {$2000.00} per month XXXX XXXX XXXX. 
My monthly bank deposits support my taxes. Explain how you can you decline me on a debt to income ratio of {$2000.00} a month mortgage against {$190000.00} of income. 
Penny Mac has extended the rate lock twice at their expense, since any delays have been on their part. I have left several phone calls and sent 3 e mails requesting a call and have not been able to get an explanation.
Product: Credit card

In XXXX, I disputed a charge made by XXXX saying I had purchased a game that was shipped to an address in Texas. At first, the employees I spoke to tried to be helpful. I spoke to at least XXXX. In XXXX, I received a notice that they had documentation from the merchant & the {$160.00} was added back to my account. I immediately contacted Citibank & spoke to a man ( I wish I had written his name down ). He became very accusatory & said you didn't sign the letter & return it to us by XX/XX/XXXX, as you were instructed. I told him I never received the letter. He said you most certainly did, it's on your webpage. I said & I'm supposed to know this. He said yes. I did find the letter on my webpage. I signed & mailed it to Citibank, XXXX XXXX  XXXX, XXXX XXXX, SD XXXX. 
I phoned Citibank again & was bounced around & asked to call a different number. Finally, I reached a man who seemed to know what I was talking about. He said they had documentation from XXXX. The documentation showed my credit card number, my name was misspelled & an address of XXXX XXXX XXXX, XXXX XXXX, Texas XXXX, where the game was delivered. I did not make this purchase & have no intention of paying. XXXX of the employees asked if I had grandchildren who XXXX have used my credit card. I do have grandchildren, but they live in XXXX & have no access to my credit card. The thing that bothers me the most is that I receive advertisements & solicitation from Citibank at least weekly in the mail & they couldn't mail the letter or send me an e-mail to tell me the letter was on my webpage. They have now sent me a bill & sent an e-mail to tell me where it was. They have charged me interest & have threatened to charge me a {$40.00} late charge. Please help.
Product: Credit reporting or other personal consumer reports

I am contacting you regarding unauthorized personal information associated with my identity. Several accounts and transactions have been erroneously linked to me without my consent or knowledge, causing considerable XXXX  and hardship. I have fallen victim to identity theft and have already reported this incident to the appropriate authorities. 

This situation has severely compromised my financial stability and personal reputation. I urgently request your immediate assistance in removing all fraudulent information from my credit report and conducting a comprehensive investigation into this matter. I am prepared to furnish any necessary evidence to support my case.
Product: Debt collection

Client has called my wife several times about a medical bill discussing the debt and giving her detail of the debt. I have asked to to stop calling several times.
Product: Credit card or prepaid card

I made a request for a copy of the online application filled out online to get this credit card XX/XX/2018.

I did not receive.

May I have a copy of my application filled out online to get this credit card?
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XXXX XXXX, 2016 with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just came back to america after 4 yrs and i checked my credit report and it says i owe, XXXX XXXX {$910.00} in XXXX, XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX {$510.00} in XXXX, & XXXX XXXX in XXXX i would like for you to delete this from my credit report since its hurting me, being that im a new citizen in america .
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. According to the Fair Credit Reporting Act, Section 611 of the FCRA you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that Under the FCRA 15 U.S.C & 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations.The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed immediately.
Product: Credit card or prepaid card

The Costco Citi card fraud department will lock your card after an arbitrary amount spend. After speaking with the fraud department all of them will ask to verify identity through a text, BUT THEY WONT LET YOU USE YOUR PHONE ON FILE. And if you dont have access to another phone number they tell you your account is locked until you receive instructions in the mail which will take 5-7 business days. Who has time for that? That is ridiculous, if I had known this I would have never opened card with Citi. 

After looking online Ive found that many others have shared this experience. Citi need to fix this ASAP, and prorate their fees based on the wasted time and energy. What a joke.
Product: Student loan

I am writing about Navient again. I had sent an original complaint in XXXX and the company responded with balance not reflecting my payments due to forbearance, etc.

It also looks now like Im interest rate is a lot higher than it had originally been.

I feel strongly that they miss appropriated payments, etc.

Now it looks like they sold my loan to XXXX at the higher interest rate. 

I guess I am very confused how this can be allowed. 

I had called to refinance and also called to remove co-signer, kept getting turned down. My XXXX  is a XXXX  who had to consign for me and its still on his credit! He is livid I had taken out {$5000.00} in XXXX and Ive made over XXXX payments and still have a balance of {$4200.00} What can I do?
Product: Debt collection

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureau and CREDENCE RESOURCE MANAGE has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Report : CREDENCE RESOURCE MANAGE XXXX Date opened XXXX XXXX, 2022 Balance {$220.00}
Product: Credit reporting or other personal consumer reports

Upon reviewing my Experian and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Product: Credit reporting or other personal consumer reports

I NOTICED ON MY CREDIT REPORT FROM XXXX AND TRANSUNION THAT I HAVE AN INQUIRY FROM ( XXXX XXXX) I DID NOT AUTHORIZED ANYONE EMPLOYED  BY THIS COMPANY TO MAKE AN INQUIRY AND VIEW MY  CREDIT REPORT.YOU HAVE VIOLATED THE FAIR CREDIT REPORTING ACT SECTION 1681b(c) .YOU ARE NOT LEGALLY ENTITLED TO MAKE THE INQUIRY.THIS IS A SERIOUS BREACH OF MY PRIVACY RIGHTS.I REQUEST THAT YOU EITHER MAIL ME A COPY OF MY SIGNED AUTHORIZATION FORM THAT GAVE YOU THE RIGHT TO VIEW MY CREDIT WITHIN (5) DAYS SO THAT I CAN VERIFY ITS VALIDITY.MAIL IT TO THE ADDRESS LISTED ABOVE.IF YOU CAN NOT PROVIDE ME WITH PROOF THAT I AUTHORIZED YOU TO VIEW MY CREDIT REPORT THEN I AM DEMANDING THAT YOU CONTACT THE CREDIT BUREAUS IMMEDIATELY AND HAVE THEM REMOVE THE UNAUTHORIZED HARD INQUIRY IMMEDIATELY.I ALSO REQUEST THAT YOU REMOVE MY PERSONAL INFORMATION FROM YOUR RECORDS..PLEASE SEND ME A WRITTEN CONFIRMATION THAT YOU COMPLIED WITH MY REQUESTS.YOUR FAILURE TO COMPLY WITH MY REQUESTS WITHIN (5) BUISNESS DAYS WILL BE EVIDENCE USED IN FEDERAL COURT OF YOUR WILLFUL NONCOMPLIANCE {15 U.S.C. & 1681n} AND I WILL BE SEEKING STATUTORY DAMAGES,PUNITIVE DAMAGES AND THE COST OF ACTION AND REASONABLE ATTORNEY FEES.
Product: Debt collection

Capital one has been told I am XXXX and not employed. Also that I do not have a cell phone number and they are to use the number on our account ( my wifes ) to contact us. They continue to call my family members trying to contact me. Now I have a former inpatient center I was at notifying me someone was calling them from Capital one for me. This is not okay. They need to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have a problem with Equifax that has been going on for over a year now. Equifax do not report me. I have been a lawful permanent resident of the USA since XX/XX/XXXX, and they have never reported me since that time ( unlike XXXX and XXXX ). At first I was told that Equifax have stricter guidelines than XXXX and XXXX, so I patiently waited. But at some point last year I called them to find out what needs to be done so that they could start reporting me, and after I declined using their paid services to see my reports ( because I am a customer of XXXX and very happy with them ) they said that there was an issue with my identity verification. So on XXXX I sent all the documents to their dispute department to prove my identity, and received a response that they still can not verify that! Their reason was that my social security card has a note saying that for employment purposes I can use my SSN only with the employment authorization card. Again, after millions of calls and unsuccessful attempts to resolve the matter with them, on XXXX I sent another fax to dispute department, explaining to them that my social security number is real and that my SSN card was issued before the green card, that is why it has a note on it. Because again the employment authorization card was issued earlier than the green card itself ( because the green card allows you to work, but if you are legally in the country but your green card was not processed yet, the government sends you the employment authorization card so that you can find a job ). Anyways, I tried to explain all that to them and requested a free annual credit report. I called them a week after and talked to a supervisor in the dispute department. I was told I need to wait for 10 to 12 days. I did, and have just now pulled our my credit scores, and Equifax does not report me, and I never got that free report I requested.. I don't think I can win this battle fighting with Equifax directly, because all they do, even when you answer all the questions for identity verification, send them all the possible documents, is try to push their paid services of your credit score monitoring. This is very upsetting and it very negatively affects my life. I would be very grateful if you could help me resolve the situation. Thank you.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Stop reporting false information according to Section 15 USC 1681 spreading misinformation damaging my credit. This is inaccurate information reporting late payments past balances on my behalf which are illegal.
Product: Credit card

On XXXX XXXX, 2015, I requested an increase on my Bank of America credit card from {$2500.00} to {$3000.00}. Buried in the fine print, however, was an authorization to perform a hard pull on my credit report. This hard pull has adversely affected my credit score. On XXXX XXXX, 2015, I chatted Bank of America to request a reversal of this hard pull. My representative, XXXX, informed me the hard pull is required by federal law, which is not true, especially since XXXX XXXX, XXXX, and XXXX have all granted me credit increases via soft pulls of my credit report. Upon further questions, XXXX admitted the hard pull requirement was an internal Bank of America policy and NOT a federal regulation. When I then questioned her on why she gave me false information, she acted as if she did not understand my question and then prematurely disconnected the chat session. I can forward the pdf of this entire interaction to you if necessary. 
I would prefer my credit report be fixed and the inquiry deleted, but, most importantly, Bank of America should not be permitted to systematically lie to their customers about why they perform hard pulls ( a quick XXXX search reveals on the myFICO forums that the " this is a federal requirement '' line is a frequently used Bank of America customer service tactic ).
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX credit inquiry was made for a loan. It was supposed to be a soft hit and it was a hard it. I tried to complete the application but penn fed app, and website gave the same error message. Ive called and called, email regarding this issue. A ticket was allegedly put in for my issue. Today XX/XX/XXXX and i was told the application was cancelled because it was incomplete and that i have to reapply for another loan and take another hit and the issue with the system still exist and unable to login messages, check application status and i can not do anything on pennfed
Product: Credit card

This email is in regards to paypal case XXXX. 

I have Opened a case with pay pal and provided information below. 

The order was delivered to the wrong person, i have contacted the seller and they have contacted the XXXX and mentioned they have now opened a claim with XXXX and will get back to me as they hear back from them. I spoke to XXXX they have not yet opened any claim but i wanted to inform PayPal so we all can stay in the loop. 

it requested the signature and ID of the person to whom it got delivered It had been delivered to the wrong receiver and I just received an answer from the seller after so many days that XXXX has denied mentioning the order was delivered to the correct person. I was home the entire time and even upon tracking it mentions somebody else 's name as the receiver and completely some one else 's signature. I have asked Paypal if they need me can send them my lease where I live so they can see I am the person who lives here.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Phone : XXXX Email : XXXX Social Security Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX for Removal of Fraudulent Late Payment Due to Identity Theft, Charge off Please Remove Late Payment Collection Accounts Below XXXX XXXX Account owner Individual Account Original Creditor XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX assigned XX/XX/XXXXXXXX XXXX XXXX Account owner Individual Account Original Creditor XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  Account owner Individual Account XXXX Creditor XXXX XXXX XXXX XXXX XX/XX/XXXX Date assigned XX/XX/XXXX XXXX XXXX XXXX Age of Account 1 year 1 month Dear, XXXX, Transunion, XXXX I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ).

Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX contacted Experian in XXXX requesting for an inquiry to be masked from my credit profile. They have yet to update this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wasin a natural disaster distroying everything i owned and they are still sending me bills and dropping my credit with this information.
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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.
Product: Vehicle loan or lease

Ive been saying I knew there were issues with my loan, and I figured it out. There was an illegal finance charge. Each state has a maximum, and they went over. I wasnt totally clear when signing, because we were moving so quickly and I was told it was how everything worked and the finance company would send over everything I needed. It took them a month to send everything over. I did not get it right away. They charged well over the {$13.00} for every {$100.00} that was a state max regulation. And I didnt know that was by year. My finance charge was for more than the ca, which is why it doesnt seem the amount is going down. Ive attempted to reach out to the car dealership, but they are no longer in existence. I reached out to the dealership that was supposed to keep their records and they said they only keep them for 5 years, but my 5 years arent up until XXXX. My issue is now with the parent company and the bank. They took full advantage.
Product: Money transfer, virtual currency, or money service

Data Breach. Sometimes missing money and when I contact customer service, they refuse to help.