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

XX/XX/2023 to today Called on main number I'm known for being hacked by people cause the same set of people answer the phone Filed XXXX compliant hwne I talked to the customer service who voice sound like another person from.another business I called aka XXXX XXXX 

I been trying pay credit card but the error is saying system isn't coorpating. I bee. Calling g trying to get it fixed for the past XXXX  days
Product: Checking or savings account

Dear CFPB, I am writing to file a formal complaint regarding a dispute with Bank of America involving an unauthorized withdrawal of {$800.00} from my debit account. I believe I have been treated unfairly in this matter, and I am seeking assistance from the CFPB to help resolve this issue. 

On XX/XX/XXXX, I discovered that {$800.00} had been withdrawn from my Bank of America account at an ATM in a different state. I did not authorize this withdrawal, nor was I in the state where the transaction occurred. Upon realizing this, I immediately reported the fraudulent transaction to Bank of America. In response, they placed a provisional credit of {$800.00} in my account while they conducted their investigation. 

However, to my dismay, Bank of America later reversed the provisional credit and concluded that the withdrawal was legitimate, implying that I had made the transaction myself. I have no idea how this could have happened, as I did not authorize the transaction, nor did I ever withdraw this money. Furthermore, Bank of America has not provided any substantial evidence, such as ATM footage or transaction records, to support their decision. 

Despite my many attempts to resolve the issue with Bank of America, they have refused to reconsider their position, and I am now left without the {$800.00} that was stolen from me. This situation has caused me significant financial stress, and I am requesting your assistance in investigating this matter further. 

Please find attached copies of relevant documents, including my communications with Bank of America, the transaction details, and any other supporting information. I would appreciate your help in ensuring that Bank of America provides a fair resolution and returns the {$800.00} that was unlawfully taken from my account. 

Thank you for your time and consideration. I look forward to your response and any assistance you can provide in this matter. 

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

On XX/XX/2020 i received my letter from XXXX XXXX XXXX stating that my debt owed to XXXX  XXXX XXXX Credit Card has been paid in full. The Bureaus collection agency will not remove this debt from my credit report no matter how many times in the past 6 months i have disputed thru XXXX XXXX that the debt has been paid in full.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I ask for proof of the debt like a contact that I signed with my signature they didnt respond I ask several times for this no answer
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed a letter to the credit bureaus asking them to investigate errors on my credit report. Almost 3 months have passed, and I have not yet received a response. This is already the 2nd complaint I've filed for not receiving a response.
Product: Credit reporting

I have a paid collection on my file. It was paid over 45 days ago. I have disputed the information 3 times. I have submitted documentation via fax. I have tried to submit info via online submission but the system did not work. TransUnion continues to show I have not paid this debt. The other XXXX reporting agencies have the correct information and have had it for over a month now.
Product: Student loan

I retrospectively know now that XX/XX/XXXX XXXX XXXX sold roughly {$1200.00} worth of my student loan debt to Navient that I was paying off well in advance of what was due. XX/XX/XXXX, I made what I thought was my final payment to XXXX XXXX and to pay off in full, my student loans. XX/XX/XXXX I had my first communication with Navient in the form of letting me know I owed over {$2200.00} on the loan they bought from XXXX XXXX XX/XX/XXXX. Over a {$1000.00} in interest was charged to me in a deceptive manner. Now Navient wants {$250.00} a month the settle the deceptive loan.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$1000.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

Synchrony Bank-owned XXXX XXXX XXXX card has been engaging in shady, invasive, illegal business practices that have helped to damage my credit recently. I am seeking for this account to be removed from my credit reports and for the debt to be wiped from their system, to not be owed, due to the damages. Despite my already owning the card, they periodically did soft credit checks into my account to check for credit worthiness -- and penalized me for any negativity. This is UNHEARD of! No other company does this. It is invasive and has to be illegal. In XX/XX/2020, when they did their first check, what alerted me FIRST was that my credit limit on the card was lowered after I checked the app to remind myself of the monthly payment amount. It hurt my credit when they did this because it caused my credit usage to increase a lot more! I called about this and was told by a rep that I would be getting a letter in the mail -- note, AFTER the fact. Their second check was several days ago, which I also was in no way expecting. I happened to get alerts from my credit monitors that there was a closed account on my credit reports. XXXX XXXX XXXX/Synchrony decided to close my account after ridiculously checking for creditworthiness again, as if I were applying for credit or an increase. This is absolutely insane -- and it harmed my credit AGAIN. They have NO right to tell me whether or not I should KEEP a credit account when I have already applied, been accepted, and MADE ALL OF MY PAYMENTS ON TIME. I called, and a rep told me that I would still be required to make payments despite the account being closed. After this move, I demand that this now CLOSED account be removed from my credit reports and they update the balance to {$0.00} OR if it remains on my credit reports, they yet update the balance to {$0.00} in all reports and in their system. It is NOT RIGHT for me to owe them another dime after they closed my account after having excellent payment history. Very nonsensical! I look forward to one of these resolutions being taken care of IMMEDIATELY.
Product: Debt collection

my name is XXXX XXXX, my address is XXXX XXXX XXXX XXXX XXXX fl. XXXX. I keep getting phone calls from creditors asking for XXXX XXXX and she lives XXXX XXXX XXXX XXXX XXXX florida XXXX. I get calls from her creditors asking for XXXX XXXX and I keep telling them that she does not live here and that the number they are calling is not hers. Today I called the FBI, Federal Trade Commission and they directed me to consumer finance. I am scared she is trying to do a scam on my property or my name. I can be reached at XXXX or my cell XXXX. I also am receiving mail in her name but with my address on it. The creditors that have been calling are midland XXXX. XXXX. 

Thank XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account number XXXX has violated my rights. 

15 U.S.C. 1681 section A. States that I have a right to privacy.

15 U.S.C. 1681 section A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

I dealt with XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX regarding an offer by US Bank to refinance my house mortgage. The communication with US Bank started in XXXX 2021 ; paperwork was sent by me to US Bank on XXXX XXXX, 2021, and a {$400.00} processing fee was extracted from my account by US Bank to complete the application form. However, since initial paperwork was completed, there has been no progress by US Bank. I have inquired multiple times to the above 3 names. About once a month I got requests from US Bank for updated bank statements and profit/loss statements, which I send them, and then I get no further communication from them. This happened 3-4 times, where I keep asking for updates and they do not appear to be processing my application, but they have taken my application fee. I believe they are misleading in that they have not processed the application at all and have no intention to do so. 

I lodged a complaint with CFPB, and they responded that they would refund {$390.00} towards my application fee. They did NOT do this, and instead sent a letter denying my application, claiming I failed to send them the very information I sent them XXXX  times in a row!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection on my credit report that Just recently appeared and it shouldnt be there. My daughter is getting phone calls from the debt collector threatening that they are coming to my house to arrest me. 

I disputed the charges on my Experian Credit Report. I have lived in Washington state for the past 15. - 20 years and this debt is for a home alarm service in a completely different state. Supposedly someone by the name of XXXX signed a contract with me but I have never seen the contract. I was never made aware of this debt until I saw it on my credit report. 
I dont feel that Experian did anything to verify the validity of this debt when I submitted a dispute to them online. Experian replied to say that the company said it is true so it is. The fact is that the debt does. It belong to me and I want it removed from my credit report.
Product: Vehicle loan or lease

In the month of XX/XX/XXXX {$3300.00} was auto-payed from my checking account to my XXXX XXXX XXXX XXXX in error without my consent. I consented to only {$200.00} weekly to be auto-payed. XXXX XXXX weekly deducted a total of at least {$400.00} weekly in 2 separate withdraws and in some weeks as much as {$700.00}. I contacted customer service on XX/XX/XXXX to request a refund in the amount of {$2500.00} the amount that exceeds what I consented to be payed. I was told a check in that amount would be mailed to my home address and to allow 7-10 business days. The representative also stated that since a recent update there have been many issues with the mobile app and to no longer utilize it. After canceling all recurring payments, on XXXX {$400.00} more was withdrawn from my account and I was forced to place a stop payment on all further debits from Toyota Financial. On XX/XX/XXXX after never having received the check I called for a 2nd time and was told my refund had never been processed. The representative at that time assured me she would resolve the issue and issue the refund and to allow 7-10 additional business days. As of today XX/XX/XXXX I have not received a refund and have resorted to filing this complaint.
Product: Money transfer, virtual currency, or money service

I went to a local grocery store to wire transfer XXXX dollars to my personal banking account through Western Union on XX/XX/XXXX. The clerk informed me I would need to pay an extra XXXX dollars fee so the money will deposit into my account " instantly within minutes " total of XXXX dollars. The next dayXX/XX/XXXX I checked my account no XXXX dollars available. My bank said no money seen nor pending to my account. I called western union back on XX/XX/XXXX spoke with XXXX # XXXX. XXXX voiced I will receive a refund on XX/XX/XXXX available at any Western union. I checked and no funds were available. I called western union back XX/XX/XXXX and was told to wait 48 hours. After the 48 hours still no XXXX dollars. I called western union XX/XX/XXXX the representative voiced wait 48 hours. On XX/XX/XXXX spoke with XXXX # XXXX. I was told the same story. " The money is waiting on the bank to approve it, it should be in 48 hours " my bank was contacted again on XX/XX/XXXX. My bank voiced they do n't see anything pending and to contact western union again. XX/XX/XXXX I spoke with XXXX XXXX XXXX. Same story, " it will take 48 hours " " it 's in process " Noone was able to tell me where my money is. I had to explain what the tracking number was. They asked for the tracking number and tracking number given but no one can see nor tell me where my money is, even with the tracking number.
Product: Checking or savings account

Well Fargo closed my old account yeasrs ago around XXXX. And never have me the funds I had over XXXX $ in the account and little by little it XXXX  beyond my knowledge and then they closed the account. I never used it. Then i opened another XXXX online and same exact thing happened for not being used.
Product: Debt collection

They frequently call outside allowable hours. I've told them not to call as I have an attorney. They call from multiple numbers multiple times per day. About half the time there is nobody on the line and their system hangs up on me when I answer.
Product: Student loan

hello, i recently received a response { on a different complaint that i filed } and was not given the opportunity to reply - therefore i am starting a new complaint. 

XXXX from nelnet replied to two different complaints - one for nelnet and one for XXXX. are they now the same entity? they were not in 2017. 

i requested the information be sent via SNAIL MAIL. attaching them to a complaint online is not SNAIL MAIL. 

also, you asserted that i have not been making payments and that information is absolutely 100 % incorrect. i make payments every month - perhaps it isn't what you want, but it is what i can afford based on the ridiculously high balance you say i owe. which, by the way, is more than i borrowed. how is that possible? 

if you are claiming that i do not make monthly payments, then i will contact my bank, as they are sent via automatic bill pay on a monthly basis. please clarify - are you receiving monthly payments from me or not?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Credit Dispute Regarding Improper Investigation, Inconsistent Reporting, and Request for Removal of Inaccurate Derogatory Trade Lines Dear Equifax Dispute Team, I am writing to formally dispute multiple inaccuracies on my credit report and to raise serious concerns about Equifax 's failure to conduct proper investigations of my previous disputes. Additionally, I am deeply concerned about the persistent discrepancies in credit scores and reporting timelines among the three major credit bureaus, with Equifax historically providing the lowest scores. These inconsistencies suggest that the credit reporting system is fundamentally flawed and unreliable for making accurate assessments of consumer creditworthiness. 

Specific Issues and Requests : Inadequate Dispute Investigations : Despite prior dispute submissions, Equifax has failed to properly investigate or provide comprehensive resolutions to disputes regarding inaccurate information on my credit report. This has severely impacted my financial standing and ability to access credit. 

Derogatory Trade Lines : There are derogatory accounts on my credit report for which I am not a primary account holder. These inaccurate trade lines must be removed immediately. 

Score Discrepancies Among Bureaus : Equifax consistently reports lower credit scores compared to the other two main credit bureaus. This is indicative of flawed reporting and record-keeping practices. It is incomprehensible that all three agencies can produce such vastly different scores while claiming accuracy. 

Compliance with FCRA Requirements : Under the Fair Credit Reporting Act ( FCRA ), Equifax is obligated to conduct thorough investigations and ensure accurate credit reporting. I demand a comprehensive review of prior disputes and prompt removal of any inaccurate or unverifiable information from my report. 

Notification of Re-Insertions : If any previously removed negative information has been re-inserted, I demand immediate notification as required under the FCRA, along with evidence supporting its accuracy. 

Requested Resolution : Remove all inaccurate derogatory trade lines where I am not the primary account holder. 
Provide a detailed and documented review of prior disputes and their outcomes. 
Ensure compliance with proper investigative procedures as outlined by federal regulations. 
Address the ongoing issue of inconsistent score reporting by bringing Equifax 's scoring methodology in line with industry standards. 
Please respond within the legally required timeframe and provide written confirmation once these corrections have been made. If this matter is not adequately resolved, I will have no choice but to escalate my complaint further. 

Thank you for your prompt attention to this serious matter. 

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

Experian showing incorrect balance, current status for this account is {$580.00} with available balance of {$1400.00}. I have sent multiple disputes and they keep reporting inaccurate data
Product: Debt collection

It is come to my attention that you are sending me a bill for a place called XXXX XXXX for {$420.00}. 

I do not want to sound harsh that nor do I want to cause friction, but this place never did any services I came in for a consultation and they showed me around and showed me a sample of what they could do.

Now comes my legal information for you and as per the FCRA I am going to send this bill back to them and I ask you to cease and desist from billing me.

If it continues, I am going to file the state of Texas against both as a medical facility and you for collecting practices.

I will not hesitate to write to the State of Texas about this. And to the Federal Government.
Product: Student loan

I went to school at XXXX XXXX and graduated with a XXXX degree in 2008. No one in town would give me a job based on this degree and I was laughed out of most job interviews. I landed a low level XXXX  job paying less than XXXX a year and was expected to pay Sallie Mae {$600.00} a month. Needless to say I defaulted on my loans. Fast forward to today, I am getting harassed by debt collectors who have my accounts that have grown from $ XXXX ( for an XXXX XXXX ) to nearly $ XXXX. 
The course material taught at XXXX was years behind and to this day has not helped me in my professional career. I do not work in that field of study and feel that the school lead me into an unpayable debt.
Product: Money transfer, virtual currency, or money service

Wire Transfer from XXXX to myLoanCare.com through Wells Fargo XXXX XXXX XXXX Account. 
I Called XXXX XXXXXXXX  to attain money wire instructions for a loan payoff. The payoff amount is $ XXXX The following are those Directions : Wells Fargo Bank Collection Clearing Account XXXX XXXX XXXX XXXX XXXX, CA XXXX Route XXXX Account XXXX XXXX : Payoff Dept My instructions from XXXX : Wells Fargo Bank XXXX : XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX, CA XXXX Route : XXXX Account XXXX XXXX XXXX Payoff Department Loancare Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX I sent the money from XXXX Joint Account where the funds were available. 
The following is XXXX documentation of the process : XXXX Notifications were received as follows : XXXX XXXX PM Wire in Transfer Progress Ref Number : XXXX XXXX XXXXXXXX XXXX Wire Transfer Complete - Ref Number : XXXX XXXX XXXX AM Outgoing Wire Reference Number : XXXXXXXX XXXX On XX/XX/XXXX I contacted XXXX  - they had not information on the wire transfer. I called XXXX they confirmed all the information on the wire transfer was as expected from XXXX. These calls continued weekly to XXXX with Escalation they said and they'd call back. They did not. On XX/XX/XXXX, XXXX initialed a 3-way call to XXXX. We reviewed all the numbers for the wire to be correct again but My Loancare see nothing. The dark hole appears to be Wells Fargo NA XXXX XXXXXXXX Account - No way to access, call or walk in an office. So this complaint is against Well Fargo Bank NA. I would very much like my money or Loancare to attain the money to apply against my loan. I am required to continue loan payments with high interest rates while this remains unresolved. 

XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX