23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Today, XX/XX/XXXX, I received an email from my credit card company, XXXX. It was the monthly email letting me know that my next payment would be due. I have only been a customer with XXXX for a few months. My first minimum payment was {$25.00}. Then last month 's minimum payment jumped to {$44.00}. And the minimum for next month is {$53.00}. I admit I have used the card rather heavily, but that's no reason for these yoyo-ing payment amounts. They should pick one and stick with it. If they wanted me to pay {$25.00}, all ongoing minimum payments should be {$25.00}, not XXXX or XXXX or whatever arbitrary number they just decide to pick out of thin air.
Product: Mortgage

I checked my account today, and saw a {$25.00} fee that was not there before. I reached out to the company, and they said it was an expedited payoff quote fee, requested by a 3rd party mortgage lender that we have been trying to refinance with. The current company will not waive this fee, even though we were given no notice that this fee would be charged. We never agreed to the fee, and no 3rd party can make monetary decisions for us. They are saying now that the 3rd party lender should be contacted to pay the fee, even though it was our current company that has charged it to our account without our consent.
Product: Credit card

I received an email from the bank indicating I would be charged {$1.00} fee per month for getting my statement mailed to me.
Product: Credit reporting or other personal consumer reports

FCRA 605B likely requires us to delete any inaccurate accounts from my credit report. Would you mind checking the documents? There are discrepancies in the reporting of some accounts, including incorrect amounts and dates.
Product: Bank account or service

My account #  XXXX  at Bank  of America was c harged a NSF fee on   XXXX     for {$35.00} and I came to know about it via an email later that day, which really should have been sent much sooner than   XXXX   XXXX   that day. Luckily, I retrieved it out of the  SPAM fold er as I have also been receiving quite a bit of fake/fraud emails to click on links for bank accounts. However, the perplexing thing about this is that I when I found about the account balance being less, I called the bank to confirm that if I deposit additional funds today, this fee would not be accessed or go through. I was told that this fee is temporary as long as the funds are deposited the same day before   XXXX   XXXX  , you will NOT be charged this fee. It will not appear the next day.   I did what the bank employee told me and deposited the additional funds to cover the balance, yet I was still charged this fee. So I 'm just baffled as to why I was mis-informed and advised to take an action yet still deal with the consequences. I am not sure what to make of this and feel mis-informed/led when I have my accounts linked and have a Bank credit card as to why I 'm getting charged this fee. The policy is confusing to understand and each banker has their own interpretation about what fees are charged.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent a wire transfer to Citibank in XXXX XXXX  to be held in an escrow account for the purchase of a XXXX XXXX XXXX from a dealership called the XXXX XXXX. The money was not to be released until 10 days after the car was delivered. The car was not delivered and when my bank tried to reverse the wire transfer the money had been released.i feel the Citibank was involved in this fraudulent transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS I AM VICTIM OF FRAUD I am writing to request and initiate a formal complaint against XXXX XXXX and Experian XXXX. On XX/XX/2021, I mailed XXXX XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Debt collection

Manager from XXXX collections was very rude and unprofessional ca n't negotiate with him because I live in XXXX in Massachusetts and want to do a 80 % off of {$1500.00} to be settled and have letter for proof, that payment was made and paid in full. 

But manager was very rude.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 

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 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
Product: Money transfer, virtual currency, or money service

There are XXXX different companies I was involved in scam disguising as trading platform for trading XXXX XXXX The total amount is in excess of {$500000.00} USD. 

The trading platform companies are XXXX, XXXX and XXXX The money was transferred from XXXX of my bank account. One was Chase Bank and the other is XXXX XXXX  The funds were transfered to XXXX and XXXX XXXX XXXX 

I have approached all the above financial institution and have not received a favorable response from any of them. 

The amounts that was transferred from Chase bank are listed below. Some of them to XXXX and most of them was for XXXX ( trading platform ) {$25000.00} on XXXX XXXX, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023 {$15000.00} on XX/XX/2023, XX/XX/2023, and XX/XX/2023 {$40000.00} on XX/XX/2023 {$20000.00} on XX/XX/2023 {$24000.00} on XX/XX/2023 {$6000.00} on XX/XX/2023 {$10000.00} on XX/XX/2023 {$19000.00} on XX/XX/2023 {$20000.00} on XX/XX/2023 {$8000.00} on XX/XX/2023 {$7900.00} on XX/XX/2023 {$150.00} on XX/XX/2023 XXXX, Around XX/XX/2023, XXXX USD from my XXXX account to a XXXX-exchange platform named XXXX 

Trading platforms : XXXX disguises as gold futures and provide buy sell signal and when the profits reached over $ XXXX, they said, I have to pay taxes and after paying the taxes, they declined to release the funds. 

XXXX and XXXX  - Intentionally give wrong trades with excessive hedging and take away the funds pointing towards market changes. 

I still have there telephone number contacts.
Product: Checking or savings account

I closed a bank atm card on XX/XX/XXXX due to fraud and because USAA didnt do its due diligence they allowed the card to stay open and allow other fraudulent charges to come thru on the card dated XX/XX/XXXX inthe amount of {$29.00}?? The person said they were sorry but could not offer an explanation as to why this happened. Everytime I close a card out my card is used in a fraudulent transaction. I have went round and round with this company as I used to work for this association. This is not the first time USAA has done something so fraudulent they have had many class action lawsuits against them. I just want this fixed as I have been a member for close to 25 Years
Product: Student loan

NAVIENT IS ATTEMPTING TO SCAM BORROWERS OUT OF STUDENT DEBT RELIEF BY ENCOURAGING THEM TO REFINANCE THEIR LOANS UNDER NAVIENT 'S PRIVATE LENDER, NAVIrefi My former loan servicer, Navient f/k/a Sallie Mae, not only committed extensive mistakes and violations against me for 31 years while they serviced my loans, but they are trying to scam me out of student debt relief by encouraging me ( and many others ) to refinance my loans with their private lender, NaviRefi, even after we consolidated our loans with the Department of Education who hold our loans. 

This needs to STOP NOW! Navient needs to be investigated, and an injunction filed, at the very least, to stop these nefarious and wicked tactics, if not a lawsuit. 

I have already been the beneficiary ( restitution recipient ) of one lawsuit filed against Navient for deceptive loan servicing practices. In fact, I worked on the case and I know what they have done to me and millions of others. 

Navient is no longer my servicer and neither is their cohort XXXX XXXX XXXX XXXX 

Navient has my entire loan history since XXXX  and so do I. They better cooperate with every state and federal agency regarding my loans and not provide false documents or information either. That includes my repayment history and all the forbearances they steered me into for years! 

Thank you. 

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

I am filing a complaint to practice my right to challenge questionable information that I have found on my Experian credit report. I do not recognize the information listed below and request that you investigate these accounts and ascertain that these accounts are listed accurately and that you verify these belong on my credit file. These accounts have impacted my ability to receive credit and have provided unnecessary inconvenience. As you know it is my right to request a proper investigation. According to the Federal Credit Report Act, you are required to respond to my dispute within 30 days of receipt of this dispute. If Experian fails to offer a response to my dispute, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue. The following items I do not recognize. XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a complaint asking to correct misinformation. my mortgage original loan amount was $ XXXX the credit reporting agency has it at $ XXXX. i have pain down $ XXXX. TO THE TUNE OF NOW $ XXXX ( XXXX is non interest baring, deferred ). so the credit reporting agency is reporting approximately $ XXXX and a XXXX balloon and that is not correct, they are also reporting the origianl loan amount was $ 93k approxiately - that is not correct it was $ XXXX. Its not that complicated XXXX had my loan and the original loan amount was $ XXXX then XXXX changed it to inaccurate reflection. this problem is that it lowers my score because it looks like i have not paid down a loan that ive hade since XX/XX/XXXX.. and I did. ALSO why is XXXX reporting payments for a time thety did not service my loan. they obtained servicing rights XX/XX/XXXX first payment date to XXXX and months later they are reporting payments for XX/XX/XXXX and they have no idea that they can not report on servicing when they have not been assigned servicing rights. Also. how are the acting as a servicer of my loan when there NO original NOTE. Anywhere.. My understanding is that in order for a servicer to collect payments and service a loan there must be an Original note, not a copy of a note but the original note. I have research through much time and throughout the industry .... there is no original note. therefore collections of payments, collections, preforclosure, foreclosure if done is not in compliance. There is a very good reason why original not is required to protect mortgagor and Mortgagee. If original note is not held thean anyone that has the original note can collect of the full amount of that note. thats why the origianl note must be in place to collect and service mortgage payments. Or there is a flaw in securing a property. as I see it without haveing the original note ... these paymemts are being collected without merrit and possibly without Legal right ( without predjudice )
Product: Debt collection

They attempted to collect on a medical debt that is over 4 years old and I requested validation paperwork on the debt, but never received it. Its been over 30 days and I still have not gotten validation of the debt.
Product: Credit card or prepaid card

On XX/XX/2020, Chase Credit card company charged the account ending XXXX in the amount of {$25.00} for a late fee. We have sent payment via US postal mail and credit card company claimed that they never received the payment. 

We have been with this company for 30 plus years and we explained to them that somehow, the US postal did not deliver the mail or the US postal delivered the mail and was lost within the credit card company.

I explained to the Chase Credit Card Representative that we pay on time every month and we would like a credit of {$20.00} back to our account and also any interests that were charged to the account. The Chase Credit Card company refuses to credit our account. 

A minimum payment was sent electronically within the website of Chase on XX/XX/2020, as soon as we found out the problem. 

However, it appears that our payment history paying off the balance every month does not matter to this company. 

We would like to dispute this charge the fact that they either lost the payment or US postal did not somehow deliver the payment. 

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

Have a Problem with TransUnion there is a 30 day late that's reporting on my credit report from XXXX XXXX This company is reporting incorrect and inaccurate information I was never 30 days past due This information is Fraudulent and misleading Section 807 violation and misleading false reporting I, m seeking litigation from this late payments and please delete from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My grievance is DIRECTLY with ally financial reporting false information to XXXX 

I need someone to call XXXX  ASAP and call me at XXXX because ally financial loan is FALSELY reporting that ally financial closed my account!!!! When in fact it is current and ACTIVE. 

Need someone to report to XXXX  credit bureau immediately that my account is current and not repossessed AND NOT CLOSED DOWN. Please call them and dispute. Ive attached PROOF that ally financial is falsely reporting this information to the credit bureaus. 


Info : Confirmation # is : XXXX for XXXX  to fix dispute The Follow up XXXX direct # to call for dispute : XXXX Ally confirmation dispute # : XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX - servicer of credit card with XXXX XXXX XXXX XXXX XXXX decreased my credit limit by {$500.00} based on a credit score pull. this was done without my permission.
Product: Checking or savings account

Hello, XXXX Claim # XXXX. Wellfargo assitance center. 


I have someone was used my ATM card in last month XX/XX/2022 ( two time as same day ) total amount {$6700.00}. I was call wellfargo and talk with them about what happend to my cheking. they tell me go to branch to report. I did go to branch and report to banker. two week late I have letter from well fargo and claim #. A letter was say I am authozized to someone to use my ATM card and my personal pin. The claim is closed. 
I did call wellfago back to asking what happend. they tell me claim is claim is closed. if I want to reopen? then I was receiver a second letter from wellfargo and had same subject is claim is closed, because I am authorized to someone to used my ATM Card and personal pin. I have a few question how that happend, but they dont anwer my question, as sample : 1. how Max limit for ATM card can use a day. 
2. who are person can set limit for each card. 
3. How can I use my card in NY as same time, same day in company. 

Please, help me to solve a problem. My Email : XXXX Thank You XXXX XXXX
Product: Mortgage

Wells Fargo services my mortgage. They purchased the loan from Bank of the Internet, the mortgage lender who originally made the loan. 
I had no choice in where my loan was sold. 

I asked Wells Fargo on XX/XX/XXXX to remove escrows from my account. 
I have the financial means to pay any insurance premium and real estate tax myself. 
I do not want Wells Fargo to earn interest on my money when I could be earning interest. 

The original loan to value was 80 %. The current loan to value is 70 %. 

Wells Fargo has refused to remove escrows from my mortgage payment. 

They claim I was " late '' on a payment and I had to wait 12 months before they would remove escrows. 

The late payment was in XX/XX/XXXX, almost two years ago, and this was simply due to a clerical error. 

This is inexcusable and Wells Fargo is extorting me, so they can continue to earn interest on escrow accounts. 

Can you please help me and tell Wells Fargo to remove escrows from my account? 

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

I have already reported this account with incorrect information : Each time I dispute the info the credit agency and creditor add 's a new Charge Off indicator to the recorded : The Account 1. Is too long to be on the report due to its age 2. Charge off indicators for XX/XX/XXXX and XX/XX/XXXX must be removed and should not show as Charged Off each time I make a dispute 3. Open date for the account is incorrect 4. Trade does not show account was Tranfred and Sold : REMOVE THE TRADE LINE AS THE INFO IS NOT CORRECT and Keeps getting updated with incorrect information :
Product: Credit reporting, credit repair services, or other personal consumer reports

They have ignored my request to provided me with the documents that they have in there files that they used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Accounts Navient XXXX XXXX XXXX XXXX XXXX XXXX ( {$13000.00} ) XXXX ( {$47000.00} ) XXXX ( {$20000.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXXXXXX XXXX XXXX XXXX NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXXXXXX XXXX XXXX XXXX XXXX ACCT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXXXXXX XXXX ACCT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXXXXXX XXXX XXXX ACCT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX ACCT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX ACCT NUMBER XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX U S DEPARTMENT OF ED ACCT NUMBER XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX DEPARTMENT OF ED ACCT NUMBER XXXX XXXX XXXX XXXX XXXX, NY XXXX Bankruptcy XXXX XXXXXXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX : US BKPT CT GA XXXX Bankruptcy XXXX filed Filed on XX/XX/XXXX Reference number : XXXX Court : US BKPT CT GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and Transunion have invaded my right to privacy by reporting false, inaccurate and fraudulent information which has directly ruined my reputation as a Consumer as neither credit reporting agency, hereinafter 'CRA XXXX, have adopted reasonable procedures to maintain my confidentiality which is in direct violation of 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). An identity theft report was created with the Federal Trade Commission on XX/XX/2020 and the above listed CRA 's were each notified between XX/XX/2020 and XX/XX/2020. Two out of five accounts there were reported as fraud have since been removed as of XX/XX/2020 however, the remaining three accounts opened in fraud still remain and are being reported without my consent as a consumer.
Product: Debt collection

My wife closed the XXXX account under my name and opened a new account under her 's to obtain a discount. XXXX closed the account in late XX/XX/XXXXearlyXX/XX/XXXX without a balance due. My wife ( XXXX ) contacted XXXX ( 1st debt collector ) on XX/XX/XXXX via mail to dispute the claim of {$530.00} and didn't receive an answer. She call XXXX on many dates to have them tell her the same thing- there isn't anything owed and the account shouldn't have gone to collections. Again on XX/XX/XXXX after another review of my credit report she spoke to the Credit Reporting Department at XXXX ( XXXX ) who repeated there isn't any money due, this should never have gone to collections and she would help to remove the negative item from the report with Trident Asset Management, LLC. XXXX was given a control # and said it will be removed in 30-60 days. XXXX also sent a XXXX balance notice as proof. XXXX then mailed all documentation to Trident onXX/XX/XXXXand still has not heard back from the company AND the item is STILL showing up on my credit report. XXXX called Trident 15 times today ( XX/XX/XXXX ) and couldn't get through ( either automated system kept looping or phone wouldn't ring ) and once she did she got through as caller # 1 in the queue she was hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

i applied for a loan and these two credit cards showed up and I have never applied for these cards. XXXX XXXX {$840.00} and a XXXX XXXX for {$740.00}. I never had or used these cards and would like for them off my record. I do n't read well or use a computer. Got a relative to try and get this mess straight for me because Im old and do not use credit cards or order items. I m XXXX and XXXX XXXX XXXX XXXX completely. Not making excuses but I trying to get my point across.
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 I seek appropriate redress for these violations.