23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

HiThis is regarding to a money transfer request done by me thru Remitly. 
The money did get transfer as promised and they are not ready to cancel the transaction and refund my money.Requesting to please help on this
Product: Credit reporting, credit repair services, or other personal consumer reports

Money lion never gave me a loan for {$1000.00} as well as my checking account was linked for payday advance that is the same as my employer direct deposit. Account is not is collections and closed, incorrectly reported my account as delinquent on my credit. Please help Im being scammed.
Product: Credit reporting or other personal consumer reports

This is my first endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$520.00} XXXX XXXX XXXX Balance Owed {$750.00} XXXX XXXX Balance Owed : {$9800.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Balance Owed : {$140.00} XXXX  XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$750.00} XXXX XXXX Balance Owed : {$450.00} XXXX XX/XX/2022
Product: Checking or savings account

I can not use pnc debit card with XXXX. Where ive invested all my money! Absolutely absurd I want my money!!!
Product: Credit card or prepaid card

Dear Consumer Financial Protection Bureau, my is XXXX XXXX and Im contacting you guys about a complaint I would like to make against Capital One Credit Card. On XX/XX/2022 I paid {$5000.00} to XXXX XXXX XXXX XXXX XXXX to train me on how to drive commercial vehicles and was supposed to be complete when I received my CDL. Before I could complete the program the school had closed down. I made many attempts to contact the school via emails, voicemails, phone calls and even went to the yard where we trained but no one was there and I was unsuccessful because no one was responding to my messages. So after I saw I was being ripped off I contacted Capital One and informed them on what was going on. Capital One made attempts to reach the merchants and was also unsuccessful. Then Capital One gave me the run around by removing the charges from my account and then putting the charges back on my account stating that I should contact the merchant myself knowing that the merchant is longer in business. Capital One also lied to me by saying they contacted the merchant and when I asked how they told me They have their own way of contacting merchants, but in reality they didnt talk to anyone. What Capital One did was call a third party called XXXX XXXX which is an automated number responsible for giving receipts on transactions made but are not the merchants that charged me. Capital One sent me a letter saying that they will not remove the charge and for me to contact the merchant and my response to them was How can I contact the merchant if they went out of business and no one is available to talk to and Capital One couldn't answer that question. Will you please help me resolve this issue. My email is XXXX. Also the I showed Capital One that the school XXXX XXXX XXXX XXXX was being investigated by the Bureau for XXXX XXXX XXXX, but Capital One didn't care. Thank you and enjoy your day.
Product: Debt collection

I have never used XXXX before from XX/XX/year> to XX/XX/year>. I have been using XXXX from that period they stated. XXXX on the line with my identity lost company called identity force inquired they had no record on me from XXXX but this debt collector insist they do. This is fraud from their end. 
I will like to know who installed that services what time the person came to my house. Name and time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to check on my credit report and I noticed it said down XXXX points and I went to see why it went down so much and it showed me an account thats been opened and put into collections an account Ive never seen before as well as an address Ive never lived before.
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 ( XX/XX/2022 & XX/XX/2022 ). 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 XXXX XXXX ) : ( 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

I do not have any knowledge of this debt or company. I never had an agreement with said company. I have disputed and this continues to come back as accurate without providing me any verification of the debt and where it came from. I have disputed on all credit bureaus with the same response. I have been receiving mail from lawyers stating I am being sued yet I did not receive any notification of this lawsuit nor did I receive verification of this being a debt that I owe. I have reached out and was threatened with further collections and the amount on this collection has increased.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit reports and I noticed that you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED, I have listed the account name and the account number below along with the date you are reporting late, and those dates need to be changed to PAID AS AGREED. 
This account has been on auto pay since it was opened so it is impossible that this payment was late. I have NEVER been late for this account! 

Your company may be liable under the FCRA, violating 15 USC 1681n and 15 USC 1681o for non-compliance.

Only accurate information is to be included on Consumer reports as the banking system itself depends on it. Please update this account to paid in full immediately. 

XXXX XXXX XXXXXXXX Please fix this immediately as it is hurting my chances of buying a new home and these late payments are NOT Accurate. 

Thanks for your help, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WH THE FORA THIS CREDITOR XXXX CRFDIT DE XXXX HAVE VIOLATED MY RIGHTS UNDER : XXXX XXXX XXXX SECTION XXXX02 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE.

15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.

LASTLY UNDER 15 USC 1666b A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER CREDIT PLAN AS LATE.
Product: Debt collection

I monitor my credit constantly. On XX/XX/XXXX I sent a letter of validation to a company called XXXX XXXX XXXX in XXXX, LA asking them to prove me with proof that I have a debt with the company. They send me a piece of paper with my name typed and a dollar amount stating I owe money. I have no acknowledgement of this account. I asked the company to provide me with documentation indication I agreed to pay money, proof of acquisition, and ask that the account be removed from my credit. The account was removed from XXXX  but not XXXX or XXXX.
Product: Credit reporting or other personal consumer reports

Inaccurate open dates and no payment history. Requested validation that this debt is mine and I received nothing just that its been updated. 
am requesting validation of the debt referenced above. I need clarification on the original creditor, account details, and payment history. Please provide : - Proof this debt belongs to me.

- Verification of the open date and payment history.

- Documentation showing Midlands authority to collect this debt.
Product: Checking or savings account

On XX/XX/2023, I discovered that approximately {$37000.00} had been transferred from my Marcus by Goldman Sachs ( Goldman Sachs USA ) savings account beginning on XX/XX/2023 through XX/XX/2023. In each instance, {$1000.00} was transferred out of my account to an XXXX account at XXXX XXXX XXXX. It seems this activity was done to evade AML structuring monitoring as well as the reporting requirements. I did not authorize any of these XXXX transactions. I have completed the necessary WSUD forms as provided by Goldman Sachs within the 10 business day time-period. I have called several times to determine when a provisional credit would be issued in my savings account as it is now Day XXXX of the investigation. These calls have been futile at this point as Goldman Sachs ' employee do not understand the language of their own deposit agreement, which mirrors Regulation E. 

Despite our 10 calls to Marcus by Goldman Sachs, the bank refuses to issue a provisional credit to me despite its own Deposit Agreement stating that they will provide a provisional credit within 10 business days, if the investigation takes longer. I am consistently told that an internal review is ongoing and we do not issue provisional credits. I simply want my funds returned to me. 

Pursuant, Regulation E ( 12 CFR Part 1005 ) of the Electronic Funds Transfer Act ( https : //www.consumerfinance.gov/rules-policy/regulations/1005/11/ ), the act states : ( 2 ) Forty-five day period. If the financial institution is unable to complete its investigation within 10 business days, the institution may take up to 45 days from receipt of a notice of error to investigate and determine whether an error occurred, provided the institution does the following : ( i ) Provisionally credits the consumer 's account in the amount of the alleged error ( including interest where applicable ) within 10 business days of receiving the error notice. If the financial institution has a reasonable basis for believing that an unauthorized electronic fund transfer has occurred and the institution has satisfied the requirements of 1005.6 ( a ), the institution may withhold a maximum of {$50.00} from the amount credited.
Product: Credit reporting or other personal consumer reports

To my surprise, this morning, I discovered inaccurate accounts on my credit report, and I can't understand why. I check my credit report regularly, and I've never seen such discrepancies before. I tried refreshing the page, thinking it might be a technical error, but the inaccurate accounts were still there. Im asking for a thorough review of the documents I've sent to ensure this issue is resolved and I can stop stressing about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I sent a check to XXXX XXXX XXXX in the amount of {$19000.00} to pay off my car. I spoke with a representative about the agreement to pay this amount and the stipulations we agreed to. On the check for {$19000.00} I wrote the stipulations of our agreement. The stipulations were as follows : By cashing this check, you agree to this contract : 1. Show as paid 2. Delete negative items on credit report 3. Cease collections Check number XXXX was cleared through my bank account on XX/XX/2019. 
XXXX has breached their contract with me regarding the stipulations that were agreed to. The account status is listed as derogatory and the current payment status is listed in collections/charge off. It has inaccurate informtion with months listed as not paid and that the account paid was less than the full balance. These statements are inaccurate, incorrect, and in breach of the terms of our contract by XXXX XXXX cashing the check for the full balance.
Product: Credit card or prepaid card

In XXXX or XX/XX/2019, Wells Fargo bank debited my entire personal checking that at the time had an available balance of a little over {$1300.00} in the account to offset a past due credit card payment that I had with their bank. By doing this it caused further extenuating financial hardship for me which led to me filing bankruptcy so that I can keep my home as the available balance at the time was part of my mortgage payment. 

I'm filing a complaint because I'm just recently learning that it was unlawful for Wells Fargo bank to offset an owed credit card payment from a deposit account. I was unable to email the company 's escalation department directly to file my complaint due to my account is now closed with the bank.
Product: Checking or savings account

I attempted a mobile deposit through the 5/3 banking App on Friday, XX/XX/XXXX in the amount of {$750.00}. After a glitches, I was notified that it was successful. My next attempt to login was Saturday XX/XX/XXXX and upon doing so, I wasn't able to login. When I tried to call customer service right then, it was closed. I waited until The following Monday XX/XX/XXXX during normal business hours to try calling again. It was then that I found out my account was locked due to too many unsuccessful attempts. When I spoke with customer service, I was told that I needed to verify my funds with supporting documentation to prove that the check was for me. I went into the 5/3 bank ( XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ) on Tuesday XX/XX/XXXX with XXXX documents that verify that the check was for me, where the check came from, along with DIRECT contact information for the person in charge of distributing my stipend, AND THE ACTUAL CHECK. The teller reviewed, scanned, and emailed the documents to the Fraud representative who would review them for the investigation right in front of me. The teller explained that I should be hearing back within 72 hours. Today is XX/XX/XXXX and I haven't received any calls emails or updates and I have called them on XXXX separate occasions to follow up. After calling today, I was told that they were closing my account because the documents that were emailed to them were blank. My funds have been held up for 2 weeks! I can not pay my bills or anything for that matter. If, by chance, the documents came up blank, why couldn't that have been resolved or inquired about before I left the bank on XX/XX/XXXX. I would have happily given the documents back to the teller for a resubmission. She rewvied and verified everything herself and could have simply clarified that there was an error and resubmitted. Now I, and my family are behind on bills, I can't borrow anymore money to get back and forth to my XXXX, which puts all of my hard work at risk! I'm angry to say the least and worried. Please help me!
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything is being reported accurately 15USC 1681i I waited 30 days and i have not received anything back in the mail. 

XXXX, Equifax and XXXX are holding me back from trying to buy a house and this is very frustrating because they are not following the law.
Product: Mortgage

I currently have two mortgage loans on my property and Im paying interest on both loans. We asked for help about six years ago from XXXX XXXX XXXX and instead of helping us at the end of the reduction in mortgage payment the gave us two loans that we have to pay monthly and interest in both loans. Myself and husband were under the impression that when reduction period was over we would just have years tacked back in our original mortgage, this is not so and I feel like the company is double dipping and we are suffering because of it. This must be illegal. Im on time with original loan but have fallen three months behind on 2nd loan because we are struggling to pay bills, food until utilities etc. 

Please help. 
Sincerely, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX RI. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent account and inquiries listed below from my credit file pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of a data breach, I did not authorize the account or inquiries below and request your prompt assistance in addressing this matter. 
Fraudulent Account : XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$10000.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXXXXXX - Dated : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX - Dated : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Dated : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and did not make these charges. theme that need to be removed from my report are listed in my supporting documents. I do not know this company. I have never done any business with this companies. This company does not have contracts with my signature.
Product: Debt collection

ERC has placed a collection on my credit profiles claiming that I owe {$540.00} to XXXX Ive never had services with XXXX I have reached out to this company 3 times ( I have certified USPS proof of delivery to them in which Im sending via the CFPB portal ) and they have yet to respond. They are unable to verify this because the debt does not belong to me. They are clearly not even attempting to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was in full on XX/XX/2019 in the amount of XXXX and my balance was {$0.00} and they are reporting on my credit report that I still have a balance. I called and spoke with a representative by name of XXXX and also a supervisor by name of XXXX on XX/XX/2019 and she stated that I had a balance of {$6.00} and I was aware of this because I used the card a few days ago, but they still not reporting the correct amount to the credit bureau just would like for my report to updated to reflect what I owe.
Product: Credit card or prepaid card

I applied for a new credit card for a balance transfer. I was approved on the XXXX of XXXX and received an email stating will take up to 2 weeks. Three weeks later it never went through, I called customer service several times during that time and got several dates about when account opened when it would go though. Finally I asked a supervisor if it can be stopped and I was informed no only way is to cancel the card I said ok cancel it, and they did. I called the following week because it showed that after I cancelled they went through. When I called again another supervisor informed me that it did not go through and I had nothing to worry about. I had to escalate it further to find out that it did go through even though was cancelled and they did not care that their representatives basically lied and did not clearly know their job.
Product: Credit card

I received a letter dated XX/XX/year> from BMO Bank N.A . stating that my BMO credit card account had been closed retroactive to XX/XX/year>. The only reason provided in the letter was that BMO closed the account in accordance with the card holder agreement which allows BMO to close my account at any time, for any reason. 

I have held the BMO credit card for many years The card is used monthly for local and online purchases All monthly payments were made and made on time There was no fraud associated with the account My credit score today is XXXX, last XXXX XXXX range XXXX I called the BMO contact number XXXX and spoke to a representative. He advised me that the account had been closed by BMO and he read portions of the same letter that I had received. I asked what the reason for cancellation was. He stated that he does not have any additional information as to the reason for the cancellation. He stated that a supervisor would tell him the same thing. I asked if my credit report, my payment history or card use were reasons for the cancellation. He only repeated that the cancellation was per the cardholder agreement and that BMO could cancel the card at any time for any reason. He would not specify how the cancellation was justified. 

I called a local BMO branch bank and spoke to a bank representative by phone. That person provided additional information. 

Cardholders were cancelled for one of two reasons : a change in their credit history or because they were not a depository member of the BMO system. In other words, if you did not maintain a deposit account at a BMO bank, your BMO issued credit cards were cancelled. The banks were recently notified in an email from corporate and had no input into the decision. They were told to plan for an onslaught of calls from angry credit card holders. The decision is final and there is no appeal process. They are unable to reinstate the cancelled card. My only option is to open a new account with the bank, and then apply for a new card. 

I expressed concern about a mark on my credit report because of a card cancellation, however there was nothing that could be done by the local bank. I also expressed dismay that BMO would not alert cardholders to any proposed cancellations so that they could opt to open a BMO account to preserve their card. The bank representative agreed this was a business decision with a very poor customer relations outcome.
Product: Credit reporting or other personal consumer reports

I disputed all charge offs in my credit report. The creditor claims it is still owed, but also wrote it off as a loss Inconsistent financial reporting. Per, Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ) Requires furnishers ( creditors, debt collectors ) to report accurate information.

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly.