23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Bank took XXXX without my knowledge for someone elses debt. Will not return.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a victim of identify theft there are invalid inquiries on my report.

US SM BUS ADMIN XXXX - XXXX XXXX, XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I tryed to send money to someone and it said scam and the next morning it said account closed and I have to send my son money so I need that to be fixed cash app $ XXXX
Product: Credit reporting, credit repair services, 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 CONFINDETIALITY UNDER 15 USC 1681. 
XXXX XXXX XXXX ACCT # XXXX, XXXX XXXXXXXX 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 # XXXX HAS VIOLATED MY RIGHTS 15 U.SC 1681 SECTION 602 A. STATES THAT I HAVE THE RIGHTS TO PRIVACY.

15 U.S.C 1681 SECTION 604 A 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTTEN INSTRUCTIONS.

15 U.S.C 1681c. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORTCONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATIONANY OTHER ADVERSEITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONSOF CRIMES WHICH ANTENDATES THE REPORT BY MORE THAN 7 YEARS.

15 U.S.C 1681s-2 ( a ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Product: Vehicle loan or lease

When XXXXXXXX XXXX XXXX XXXX it left me and my family in the dark for days we exceeded my funds and I wasn't able to make a regular payment, so I asked for an extension. I paid the first part beginning of XX/XX/2024. I was contacted by Ally financial on around XX/XX/XXXX that the past due extension wasn't paid, I paid the first portion on XX/XX/XXXX, the XXXX payment was a mistake and should have been automatically taken out, I didn't find out they didn't take it out until the XXXX XXXX. I didn't know this, they gave me XXXX to come up with it but being XXXX and on XXXXXXXX XXXX XXXX  I didn't have it again until beginning of the next month, which I paid, when I asked them to remove the late pay they said no. They wouldn't. I am requesting that this late pay be removed off of my credit report because I should have been given consideration because of hardship due to hurricane beryl anyway, even though they granted me the extension, that's not the only bill I had to pay. So everything was off track after hurricane beryl. I paid it, but I wasn't aware they didn't automatically take it out. This company definitely has communication on their recordings so what I am explaining they record their calls. Thanks!
Product: Mortgage

On Tuesday of this week, XXXX XXXX, XXXX, I paid off my mortgage that was held by Bank of America. The money to payoff the mortgage was transferred from another account that I had with the bank ( Rewards Money Market Savings ). The amount of the payoff was {$40000.00}. Prior to the payoff taking place, I could view my mortgage payment transaction history ( Payment Date, Payment Amount, Principal / Balance, Interest / Buydown, etc ) online on the Bank of America website. After the payoff, the transaction history was removed, that is, it can no longer be viewed. So, the payoff and hopefully the XXXX balance can not be viewed or printed. I called the Bank of America Mortgage Department this morning, Thursday, XXXX XXXX, XXXX, at XXXX XXXX to complain about the removal of the transaction history. I was told that their system automatically does this. The representative told me she would mail me a copy showing the payoff amount and that I would receive it within seven to ten business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

90 day credit experts had tried engaging services with me. They never performed any credit repair services and have sent an account to a collections company. When I tried contacting them, they blocked my number. This organization has horrible reviews and is an extorionist credit repair company that is FAKE. I am contacting the Attorney General, Better Business Bureau and every government agency regarding this.
Product: Vehicle loan or lease

Hello my name is XXXX XXXX and Im so drained from trying to understand why Wells Fargo is not taking responsibility for the fact that they caused me to apply for Chapter XXXX and also having collateral coverage on XXXX XXXX XXXX when my coverage lapsed on XX/XX/XXXX. I had an accident where CPI was included on my loan # XXXX. I spoke to XXXX XXXX XXXX # XXXX Claim # XXXX Who states that the vehicle must be present for inspection. However at that time I had no clue of the CPI so I didnt know that the CPI should have covered the damages that was included on my loan that I was paying for. I needed up paying for the damages and the vehicle PER THE POLICE REPORT, was serious damages and airbags XXXX!!! At that time THE VEHICLE WAS A TOTAL LOSS!!!! Also, I feel that WELLS FARGO IS IGNORING MY CLAIM BECAUSE I AM XXXX!!! I have witnessed this is familiar behavior for Wells Fargo. There are many claims relating to my situation in their discriminatory behavior. They keep coming up with two or three hundred dollars every few months claiming the last check I received is all that is owed and that is the end of it. Whenever I make a new complaint they find a few more hundred and Im taking this to SUPERIOR COURT!!! I CAN SUPPORT MY CASE VERY WELL OF THEM DEMONSTRATING UNFAIR LENDING PRACTICES AND DISCRIMINATION BEHAVIOR!! IGNORING THE COVERAGE OF THE VEHICLE DAMAGES THE CPI SHOULD HAVE COVERED. I am not claiming the coverage is for personal coverage but it in FACT COVERED THEIR ASSETS! The XXXX XXXX XXXX! Im not going to play anymore games with Wells Fargo because this is their behavior to XXXX people. Im sure I can gather a lot of other people through social media who feels that same way!!
Product: Checking or savings account

Accounts being over charged and over draft fees. I don't have specific dates, only around XXXX
Product: Checking or savings account

My name is XXXX XXXX and I 'm a victim of Identity theft, Ive attached my FTC identity theft report. Can you please check to see if any personal or business accounts are open are open under my social security number. if so, can you please close the account and send every single statement to my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN # XXXX
Product: Student loan

My complaint is on the fedloan servicing lender. 
The school I attended is XXXX XXXX in XXXX XXXX, CA which does n't exists in that location anymore. 
My mom has been trying to pay off a parent plus loan that has now accumulated to over {$30000.00} because she has been qualified for low income payments. She even qualified for a little more than a year on a program where she had to make $ 0 monthly payments for 10 years and then the loan would be forgiven. Then they requested proof of income from her and because she makes more money than the year before she had to start making {$150.00} payments with an 8.500 % interest rate. I have called on my moms behalf to see if she has any options to lower the interest and they say they do n't but that she only has to pay for 10 years and then her loan would be forgiven, they keep giving her the same story. Based on the owed amount and the interest rate, she will never pay towards the principal any money. I informed them and they said I 'm correct. So I asked them " are you telling me she is basically only going to pay you interest to hold the loan and never pay the principal? '' And they said yes. I believe they are a huge scam for the practices they are doing because of course my moms credit score is not high, she does n't make enough money and she ca n't get a loan to help her pay off this enormous amount, but they keep getting her into programs that promise to " help her ''. I have read about predatory lender practices and I believe this is exactly what they are doing to my mother. I have even Googled this service and there are so many complaints out there I believe there should be an end put to them. We are honest people trying to pay off a loan that does n't seem to have an end. To make matters even worse, she just took my younger brother to attend school and they placed a new loan under the same lender. We dont understand why they did that. 
Thank you very much for all your help and your time taken to read my complaint.
Product: Debt collection

After closing my cable account with  XXXX , they later sent me a bill saying that I did n't return merchandise but I DID. I did n't get a receipt from them when I returned the merchandise. I was n't advised to by the employee that I would or could get a receipt when I returned the merchandise. They later billed an additional {$130.00} the total ended up being {$300.00}, which was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

The IC System Inc. company reported a collection account in the Credit Report. This one comes from XXXX. The account number shown is XXXX. They allege that this server has an account with them in Nevada that was left unpaid. 

Currently this is affecting my credit ; and on several occasions I have asked IC Systems to send me evidence of this account. Which they haven't done. Or that they prove to that I am the person who owns the account. These allege that I apply for the same in Nevada. I have never lived in Nevada, much less applied for an account with Spectrum. 
I have been living in XXXX XXXX since I was born. 

I will be very grateful for anything you can help me with. My email address is : XXXX, my name ; is XXXX XXXX XXXX. 

I will be at your disposal for any question or doubt in this regard.
Product: Debt collection

I had an account with XXXX XXXX. I switched to a much cheaper company in XX/XX/XXXX. I was set up on auto pay with a credit card and always paid my account on time every month. I paid a portion of my final bill while I waited to get my final bill to know what was owed. After a few weeks I went to the website and it showed a XXXX balance. I checked back a couple of times showing the same balance. When I called them I was told there was a XXXX balance so I didn't worry about it any more. Then a few months later I received a notice from a credit monitoring service that I had a collection account. I called XXXX again and they assured me I had a XXXX balance. I then was able to track down ProCollect who said I owed {$300.00}. I called them on XX/XX/XXXX, and they told me that if I paid it that day they would remove the collection from the credit bureau. I paid immediately. Not only did I pay it on XX/XX/XXXX, they didn't report it to XXXX until XX/XX/XXXX, almost 6 weeks later. My main complaint is I was told they would remove the collection from the credit reporting bureaus and they did not! They just reported it as paid. 

My credit history shows a perfect history of paying on times for years. XXXX told me and it was shown on my online account as paid so I could not make any kind of a payment. I never received any notification of a collection until I received a notice from my credit monitoring service. 

I paid ProCollect on the very first phone conversation and paid an amount that wasn't verified other than what they told me it was mostly because I thought it was close and they said they would remove the report from the credit bureaus. 

They should have to do what they say. They have a recording of our conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a Car loan reporting a balance /charge off from carhop..effecting my credit in a negative and derogatory manner ... Incorrect information.When I called " Corporate office " in 2 different states, Which happens to be a fraudulent site!. I'm unable to have it removed, even as last contact on XX/XX/2018 on a recorded line XXXX said " Debt Satisfied ''. I asked for an E-mail stating that and was refused my request so I could remove info from my credit report to avoid fees in a move now requiring a deposit.
Product: Mortgage

On XX/XX/XXXX, I entered into an agreement with RENEW FINANCIAL, through their contractor XXXX XXXX XXXX XXXX XXXX XXXX ( or XXXX XXXX XXXX  XXXX ), XXXX to finance a home improvement roof project. At the time of the agreement, I indicated to XXXX XXXX XXXX, that I would be refinancing the mortgage to take advantage of lower interest rates. XXXX XXXX assured me that this would not be a problem. 
The project did not start until late XXXX and there are two unresolved issues. The ladder remains on the side of my house, and my HOA has given me a warning to have it removed. XXXX XXXX XXXX indicated that the ladder was needed for an inspection, as of today, XX/XX/XXXX, the ladder remains. The two skylights needed to be examined from the interior and I was told several weeks ago that someone would be by on Friday, XX/XX/XXXX and I am still waiting for this examination. 

I was supposed to close on my refinance today and I learned yesterday, XX/XX/XXXX that a lien had been placed on my property and that it could not be subordinated. I immediately contacted XXXX XXXX, XXXX XXXX and Renew Financial. XXXX XXXX responded via text indicating that he was unaware of a lien placed on my property, XXXX XXXX said that she would look into it. In two conversations with Renew Financial, I was provided two different explanations. First, I was told that Renew doesn't place the lien, the contractor does and to work it out with them. Later on the same day ( XX/XX/XXXX ), a XXXX XXXX told me that the work had been recorded, hence a lien placed and that the loan could not be subordinated. 

After reviewing the documents that I signed -- via XXXX, there is NOTHING that indicates that I would not be able to refinance my mortgage. XXXX XXXX was aware of this when I met with him in XXXX. This is problematic for me because I am unable to close on my refinance and I believe this company misrepresented this program. I would have never proceeded, if I was told that refinancing in the future was not permitted. This is a time sensitive and urgent matter and I am seeking consumer protection in this matter.
Product: Credit card or prepaid card

Name : XXXX XXXX XXXX Case # XXXX RE : Escalation of dispute claim I am providing this email to serve as my statement for Dispute Claim number XXXX about unauthorized charges from a vendor, XXXXr, that took place on XX/XX/XXXX and XX/XX/XXXX that I didn't authorize and I don't know this merchant. They also attempted {$150.00} to the card ending in XXXX today, XX/XX/XXXX. I filed a dispute with Direct Express and they denied my claim even though they are aware that my card was locked when this merchant fraudulently obtained monies from my account. 

My debit card was locked and this merchant fraudulently obtained monies from my account totaling {$830.00} and I'm also requesting that the monies be returned immediately, as this has caused a financial hardship, due to my card being disabled. I would also like to have the fees associated with having to expedite my card on the two dates, XX/XX/XXXX and XX/XX/XXXX to be returned in the amounts of {$13.00} each and the associated {$4.00} card replacement fee to be included as well. 

I contacted the merchant and they informed me that since I don't have an account with them I need to dispute this with my bank. I spoke to them again today because of their newest attempts and was told the same thing. I informed them I'm having them investigated for fraud and they hung up on me. 

I am requesting the escalation of this dispute because the original claim was closed without investigating the fraud that has occurred. 

The following are the charges, including their dates be included with the provisional and investigated claim : {$220.00} - XX/XX/XXXX {$90.00} - XX/XX/XXXX {$200.00} - XX/XX/XXXX {$160.00} - XX/XX/XXXX {$160.00} - XX/XX/XXXX Thank you in advance for your assistance due to this fraudulent and unauthorized activity. 

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

On XX/XX/XXXX I noticed 2 student loans mentioned on my credit report while checking my credit score. Since I have never taken out a student loan of any kind, I knew immediately that these loans did not belong to me and were incorrectly placed under my name. I contacted the three reporting agencies immediately ( XXXX, Experian and XXXX ) and filed a reports requesting that this be removed from my credit report. I received letters back stating that they had " investigated '' the matter and the loans were marked as accurate and did in fact belong to me. When I attempted to ask them what matters they took to investigate, they ( XXXX and Experian ) responded by saying that they called the loan servicer ( XXXX ) and asked if the information was accurate. To which they replied that it was. This is not an acceptable form of investigation so I called to dispute with XXXX. They confirmed that someone had used my name, a different address and e-mail address to obtain a deferred student loan to attend XXXX XXXX XXXX XXXX in XXXX XXXX Iowa. I have never been to Iowa or attended college there. This is a brick and mortar institution and I live in XXXX, Kentucky. I finished college over 10 years ago with no debt. There is no feasible scenario where this would belong to me and it is even more suspicious that the loan was deferred. This means someone is receiving federal student loan money and kicking the payment down the road after they run up a tab of loan debt. XXXX said I would need to fill out a forgery packet to have the loan released. I did this and provided my drivers license, social security information, utility bills, mortgage statements, signature examples and other documentation proving that this is not my loan debt. I sent the packet with a full police report back to XXXX within the specified time frame. I sent it with certified mail. It has been months and I have received no response or resolution. It is also worth mentioning that I have recorded all of my calls with the credit agencies and XXXX to corroborate my information should I need to tag legal action. XXXX admittedly serviced a loan to someone who is not me and it has incorrectly appeared on my credit report, negatively impacting my credit score. XXXX has not provided any additional information, supporting documentation or provided a debt validation letter. So far the burden has been on me to prove that this debt isn't actually mine which is absurd.
Product: Credit reporting

I went online to Experian.com to get my annual free credit report. After my report was generated, the website had an option for me to get my credit score for {$1.00}. I ordered the credit score for {$1.00}. I just looked at my credit card bill and not only did Experian charge me the {$1.00} on XXXX XXXX, 2015, they also charged my credit card an additional {$21.00} on XXXX XXXX, 2015. I called Experian today, XXXX XXXX, 2015, to find out why they charged my credit card {$21.00} and was told by XXXX ID # XXXX that the charge was for their credit monitoring service. I told her I never signed up for that service and wanted my money refunded. She said she could cancel the service, but the charge was a legitimate charge and could not be refunded. I told her I never gave Experian permission to charge my card for that service or sign me up for that service. I asked her to transfer me to her supervisor. She supposedly got a supervisor, XXXX ID # XXXX, who sounded exactly like XXXX. I told her I never signed up for the service or gave permission for Experian to charge my credit card for a credit monitoring service, only the {$1.00} for my credit score. I told her I wanted my money refunded and she told me it was a legitimate charge and they would n't refund my money. I asked to speak to a manger and she said she was the highest one there for me to speak with. I told her she sounded exactly like the other lady and I was going to report Experian. I also told her how Experian was a scam because they had my credit score so much lower than all the other credit reporting agencies and had wrong information on my credit report, which I 've already disputed, now they are charging me for a service I did n't sign up for. A thorough investigation needs to be done on Experian. I believe they are lowering consumers credit scores really low to try to get people to pay for their credit monitoring and if they ca n't get the consumer to sign up that way, they illegally enroll the consumer without them knowing by offering them their credit score for {$1.00} and then continue to charge their credit card for a credit monitoring service. I want a full refund and a complete investigation into Experian 's unscrupulous and illegal practices. By law, consumers are entitled to get a free annual credit report, but when we go to Experian to get the report, we are scammed into paying for a service for which we did n't want or authorize to be enrolled.
Product: Credit card

During covid Citibank canceled my card and mailed it to an address that I was not able to access for over 6 months yet they charged me the annual fee for a card I couldn't use. They had XXXX customer service to figure out what to do about this. I canceled the card when I returned home, since I couldn't use it, nor could I use the advertised free {$120.00} flight voucher. I was then buying a ticket to XXXX and as I was about to pay I got an ad that if I sign up for the credit card again my first bag fee would be waived. I ended up having to pay {$75.00} round trip to check the bag which was returned to me ripped open and all of the items in the front compartment including expensive dive gear and camera gear missing and the {$350.00} plus bag was destroyed. XXXX XXXX tells me I have to contact Citibank and Citibank tells me they're not taking any responsibility, that I have to contact XXXX. Then they asked me to upgrade the card again when I had downgraded. The upgrade was supposedly for free but they gave me no points for upgrading and they are now trying to charge me {$99.00} for the card. I called a few times to cancel it, got a snotty agent who wouldn't help and told me I had to click on some link which wasn't even accessible. I just called again and the woman was just as snotty as the first one and hung up on me when she said the card is now canceled. She didn't do anything about waving all the fees that they charged me when they didn't cancel the card the first time or tell me what I need to do to pay anything that was still on the card minus the fees. They are getting snottier and snottier as their fees go up and I still want compensation for the bag check fees that they had told me were not going to exist and for the damaged, lost and stolen luggage. Every flight I took except one to XXXX, XXXX XXXX lost stole or damaged ( or all of the above ) my luggage. 

I want them to be held accountable for this and I want compensation for the checked bags for the fees they put on my card for this aggravation and wasted time and for my damaged lost and stolen items.