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

I want to dispute these charges of XXXX on XXXX through my bank account and through XXXX I contacted Wells Fargo claims specialist for help and they told me it would take up to 10 business days and the next day it was closed without any explanation from Wells Fargo I would love to get my money back as I feel they are supporting the scammer in this case here are the dates and amounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attemps to obtain my credit report. Recently to obtain my yearly free credit report and again today, when I requested a copy in response to recent credit denials. I have been denied each time with no clear explanation why, or how to obtain my free copy that I'm entitled to, according to the FCRA.
Product: Checking or savings account

On XX/XX/2023, at about XXXX, I received a call from Chase bank ( it appeared as such in the caller ID ). They said that there was someone making fraudulent wire transfers from my bank accounts and that I needed to do a wire reversal to make sure the funds were not taken from my account. There were two men that I spoke to and the second man told me to wire {$3600.00} to myself with a specific name ( Reversal to *my name* ). After these steps were completed, they told me that they were going to investigate further, so don't go into the Chase mobile app or accounts for 24 hours and that I would receive a call at XXXX the XXXX XXXX. I did not receive that call and when I looked in my Chase mobile app, my money had been taken. I filed the the necessary complaints to Chase Bank over the phone and person and they are currently attempting to reclaim my funds. My issue is that the money was wired to a XXXX XXXX bank account and I don't have a XXXX XXXX bank account ( the name would have to match the account ) and I wired the money to myself according to their instructions, but I don't understand how the money was allowed to go through without a real verification by Chase 's wire research team. I received no calls or texts about the wire transfer and ultimately, although they say they will attempt to get my money back, I feel violated and my trust in Chase has been affected.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2023 I went to a MoneyGram service located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, to send money to an old friend of mine living in XXXX who needed help with her rental payment. Tracking number XXXX. 
I sent her XXXX for which they charged me XXXX as sending fee. 
Next day my friend went to collect the money and was told that there was a problem with the transference, which was no true. 
For some reason they never explained. They just retained my money, and first, lied to my friend and second, they said to me they can not reimburse my money and I will have to fill out some forms to release it. 
It was the first time I used this service here in the USA and got completely shocked. It was only XXXX XXXX and now I'm been treated like a criminal. Actually I feel this is a discrimination act because I'm a XXXX XXXX who's seaking XXXX, and now they are asking information which I consider is not their concern, first of all because they never answered when I went to sent the money. 
I filled a claim # XXXX on the web and someone from global support answered apologizing and giving me instructions to go to the store with a valid ID and call MoneyGram from there to release my money. 
Surprise, it was not released and some lady on the phone told me if I want my money back, the only way is to fill out some forms that she will send to my email or I will lose my money. 
I have already expend more money in gas going to the store to claim the money than the XXXX I sent. 
My complain is about their abusive policy and the discrimination act with the XXXX comunity. They have done this to many XXXX people afraid of claiming their rights. But I'm not afraid because I'm doing nothing illegal, I know I have rights as a person and as a customer, that's one of the reasons that made me come to this free country. I'm not willing to stay calm. In any other way I intend to recover my money which they have kidnapped. 
I will much appreciate your collaboration with this claim. 
Thanks in advance XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and fraud. On XXXX 2023, I noticed a company kept appearing on my credit reports, Ally Financial. I have never heard of this company and immediately started investigating. I learned that this was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX I then knew this was fraud and immediately contacted the authorities. I currently have a detective on the case and he updates me on a regular basis. I also learned that this vehicle was repossessed from the individual and that this person also got a DUI in the vehicle. The detective has made out a police report and I also had a legal notarized affidavit done and sent to all 3 credit bureaus. I also contacted this Ally Financial and spoke to their fraud department, and spoke to a XXXX. She stated they would get this matter resolved but it would take 30 days. Since then, I received a letter from XXXX stating that they came to a resolution of their investigation and that they are in accordance with Ally Financial and that I am responsible for this auto loan. This is a nightmare. I want to buy my first home, but now I may not be able to do this. I am also going to submit the FTC Identity Theft Report.
Product: Debt collection

My compliant is not only that the amount reported to the credit bureau may be incorrect but that they have misrepresented the information on the account which has led to miscalculating how long it remains on my credit report. 

Therefore, I am not sure that any of the information is correct since the account has been clearly reaged before reporting to XXXX credit bureau. Now causing it to be on my credit report for longer than 7 years. 

History : The original debt of {$300.00} for a XXXX XXXX XXXX managed by XXXX XXXX. Due to financial and medical hardship, I became delinquent with this account in the summer of XXXX ( around XXXX ). It went into collection status and although I tried to make periodic payments to the collection agency which totalled to about {$900.00}, there was still a remaining balance due to their continued increases in the amount due which was very questionable when the original debt was only {$300.00}. However, I believe XXXX may have held it for a long time causing the tremendous increase in the amount due. 

The other issue is that when Midland bought the debt in XX/XX/XXXX they may have reaged the delinquency date by reporting it as a new delinquency account after buying the debt from XXXX XXXX in XX/XX/XXXX. As a result, it makes it look like the delinquency date started in XX/XX/XXXX rather than in XXXX of XXXX when the account was with XXXX bank. 

As a result, this has manipulated the date of removal and/or how long it stays on my credit report with XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX I'll stole my money XXXX had key bank account closed with XXXX notary
Product: Money transfer, virtual currency, or money service

I had issues with Zelle stating I sent Zelle transfers that I didnt. & they stated they werent able to do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to follow up on a letter that I sent to Transunion on XX/XX/2023. I have not received any response or update regarding my request, and I am concerned about the status of my inquiry. 

I understand that they receive many requests and inquiries, but I would appreciate it if you could provide me with an update on my request as soon as possible. I have attached a copy of my original letter for your reference. 

Thank you for your attention to this matter. I look forward to hearing from you soon.
Product: Mortgage

Flagstar Bank is my mortgage company. I closed on my home in XX/XX/2021. I got various quotes for homeowners insurance and chose the policy with the best rate. At some point, Flagstar paid three insurance payments, two identical payments of {$2100.00} each for a policy I don't have ( XXXX ) and XXXX for the correct policy of {$980.00} ( XXXX ). I received a new escrow analysis with an increase in escrow of {$260.00} per month. Naturally, I contacted Flagstar and discovered the error, however, at the time, I was told only one erroneous insurance payment was made, or that the second erroneous payment was reimbursed to Flagstar by the insurance company. I had to cancel the XXXX policy and request a refund of {$2100.00} so that I could forward the payment to Flagstar. I did so and was advised that a new escrow analysis would be made. I received it, but the amount is still wrong. My payment went from {$1600.00} to {$1600.00}, an increase of {$71.00} per month. Depending on who I speak with at Flagstar and after many calls, I get different answer as to what the increase is for. Some say it is due to the insurance issue, some say they require a " cushion. '' My homeowners insurance is the same, my property tax went up approximately {$60.00} for the year and so my payment should be {$1600.00} ( as was confirmed in one of my calls with XXXX ). My last call today with XXXX indicated my payment would go up in XXXX to {$1700.00} because of the " shortage. '' When I ask what the shortage is for, I am told due to the overpayment in insurance even though she acknowledged that I took care of it. Now I am advised there were three insurance payments. I ask which insurance and am told they do not know. I have gone round and round with Flagstar and can not get an appropriate response. Botton line, I believe my payment should be {$1600.00}. I have made every effort to resolve this issue based on facts. I am beginning to feel as if I am a victim of predatory lending. Ironically, the payment Flagstar is saying I owe would have likely not been approved when I got the loan in XX/XX/2021. Now they don't care. They have seemingly picked a number out of thin air and just expect me to pay it with no questions asked that I can't get a straight answer as to what the extra amount is for. Perhaps someone more knowledge than me can get a straight answer and get around the confusion and doubletalk. The escrow analysis also doesn't make any sense. Thank you.
Product: Credit reporting or other personal consumer reports

I attended a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Upon enrolling and paying for the school I was promised job placement as well as proper certifications and training from the school. I did not receive any of what was promised and was instructed by the owner who no longer owns the school to stop paying the loan they would take care of it. They did not. Now the school is closed down and there is no information to be found on how to contact them anymore. The school shut down due to not following through on agreed services that were included with the class.
Product: Mortgage

The delay in meeting the contract timeline because they stated they had too many files and not enough staff.
Product: Debt collection

I was mailed a letter that was predate XX/XX/21 from Midland Credit Management that arrived at my house on XX/XX/21 telling me I had till XX/XX/XXXX to accept their terms on a debt from a credit card company they purchased the debt from in the amount of XXXX. All it states is that it was purchased from XXXX XXXX and I had two options offered to me to close out this debt to them. 
At no point have I agreed to or signed any contract with this alleged debtor. I am filling this complaint as I have been no validation of this alleged debt. I have not been shown proof where I have signed any agreement or contract with this company. I have not been given reasonable time to respond. I have not been given a reasonable offer. 
I am also a XXXX veteran having served during the XXXX XXXX and do not appreciate these predator tactics while people are trying to get back on their feet during COVID. I expect respect and decency from this company and also my rights to be respected and followed!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX Balance : {$900.00}
Product: Debt or credit management

I am a RN working full time. During XXXX I had some family situations resulting in temp part time work vs full time. I then was taken out of work 2 times on XXXX. I had never been late on credit card payments but the interest popped up to 30 % and buried me. I contacted a debt consolidation program- strategic financial /global holdings/clear creek legal. I signed up for their services XX/XX/year> and started paying $ XXXX to them. To date, not XXXX credit card debt had been negotiated and to date, nothing g paid to credit card companies. I have records of the numerous phone calls I made to try to find out what was going on and why nothing has been done ( I was told the XXXX negotiation is usually done with in the first XXXX months. Nothing! I cant get any communication with themeach call results in a XXXX hour wait on hold and ending with no more info than I had before I called. I requested to have documents and co My ovations went through the mail instead of in the computer, didnt happen. Then, 2 months ago I see a letter posted on their website talking about a lawsuit they were involved in and everything is on hold. In addition, when I looked at my balance of funds ( 18 months x & XXXX = {$8800.00} ). But, my balance is saying {$4100.00}! Where is my money? They couldnt answer me nothing has been paid or negotiated. I then got handed a paper from a XXXX account stating I was expected in court cuz I was being sued for non-payment. I called them, waited XXXX hours on the phone to get a person. I needed to know what was going on and to make sure their lawyers were handling this issue. I was told that there was no lawyer assigned to my case! I dont know where I stand. They are still deducting their $ each month, but nothing is being done! I spoke with XXXX somebody and was told to notify CFPB for guidance. I work XXXX hours per week as a nurse, Im a single mom with a special needs child, and raising 2 of my grandkids. I honestly cant afford a lawyer. Help please!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had fraud on my account. Capital one did send me a new card and credit back the fraudulent charges however they reported the balance to the credit companies ( XXXX and XXXX ) and my score has dropped drastically .This needs to be fix asap
Product: Vehicle loan or lease

Ive been having problems with this car since I brought it the first week I dropped a car back off to dealership. I even called the XXXX XXXX  they even talk to them and told them what is the issue they lied and said that they fix the issue I show Receipts and the dates add up what I said they never fix the car so they said Im stuck with a lemon. Ive been having trouble fixing the car and paying the car. Everything I work hard for is going into this car the finance company do not want to refinance the car make it cheaper for me. So I can pay the payment and fix the car. Its hard for me to pay almost {$600.00} a month and the car costing me every month to fix major engine problems transmission problems electrical problems its a lot to take and all they wan na do is get their money but not working with the customer
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score has always been XXXX - XXXX. Trans Union recently dropped it to XXXX saying I have a delinquent account with XXXX XXXX. I filed a dispute with Trans Union through XXXX XXXX notifying them that this was an extension of the lease for another 6 months not a delinquent account. They responded that I was correct, however they never corrected my score, and when I called to follow up they implied that I do not have a paid credit motoring service and that XXXX XXXX is free and they can not help me. If I paid for a subscription they would help me. 

I believe this is extortion, and I should not have to pay for their mistakes. 

I would like to understand why I do not have a perfect score of XXXX? Since I have never paid anything late and I hardly have any debt. My credit is XXXX, and I believe it's low only because I am not paying for a premium subscription. 

I would appreciate this getting handled and resolved immediately. 

Thank you
Product: Vehicle loan or lease

On XX/XX/23, my vehicle was repossessed during pre-dawn hours due to being 1.5 months behind on payments. I called the company that morning to find out what I needed to do to get the vehicle back and established a promise to pay by Saturday, XX/XX/23. However I was able to make the payment early and bring my account to current on XX/XX/23, during a call made at XXXX XXXX. Please note the times listed since they serve as proof that I have done as I was told. I call the number I was given by Westlake Financial, a company called XXXX XXXX XXXX ( ARS ) who was responsible for the repossession. I call this company and they say that they have not received a release from Westlake Financial. I call Westlake back, and after MULTIPLE calls back and forth between Westlake and XXXX, they say that I must wait 24-48 hours for it to go through. So I waited, and now XX/XX/23 XXXX XXXX, XXXX has STILL NOT received a release authorization from Westlake. XXXX tells me to call Westlake, its now been over 48 hours and they still havent released it and it shouldnt take this long. I call Westlake AGAIN, and they tell me that no, a release form was just authorized today and it wouldnt be until MONDAY that I could try again. It honestly feels like they are scamming me and NO ONE CAN TELL ME WHERE MY VEHICLE IS EVEN THOUGH MY ACCOUNT WAS BROUGHT TO CURRENT! And now all they keep doing is telling me " a release has been sent to XXXX XXXX XXXX '' and every time I do, XXXX tells me they NEVER received a release authorization. Westlake and XXXX have me going around in circles for a vehicle I have already paid them for. I have already lost days of work and could possibly lose more, which in turn, believe me, Westlake will be the last bill I'll be catching up on since they'll just take it from me no matter what I do. I mean honestly, how many other companies will repo for being late 1.5 months? I genuinely don't know, since I've never had a vehicle repossessed before.
Product: Payday loan, title loan, or personal loan

I didn't make my payment on purpose because I was waiting on a deposit. My payment was due on the XXXX. On the the morning of the XXXX I woke up checked my account to see if the deposit had hit my account only to find out that advanced financial had submitted a ACH payment of XXXX which overdrawn my account. Later that night on the XXXX my deposit went in to my account and the payment was paid. Back in XXXX of 2023 or it could have been XXXX of 2023 I discussed over the phone I did not wish to have automatic payments anymore which was confirmed today on the XXXX it was in fact noted no ACH or Debit card auto pay. I like making my payments manually. This company not only has predatory lending, practices, to this day I have NEVER received a truth in lending document. Nor have they closed the account which I have asked them to do. Also I want them to lower the interest rate on this line of credit. Had I known the rate I would never had taken this line of credit. I did ask on many occasions and had ask on many of occasions to provide me with a Truth and Lemding Statement. All I was told was what my biweekly payment would be. Now I see that they charging me something in the rate of XXXX percent. This company needs to be shutdown, the violate many lending laws one being TILA. This company has been sued many times over and as I had done research they having many more pending lawsuits in the courts pending waiting to be heard. Hopefully they are being investigated by the CFPB like you did to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and many others. This company is far worst then any of the ones listed above. I'm not trying to not pay them back. I just want them to be responsible on their lending practices. I will pay my bill as I do. They did something to me was unfair. I work for a large financial institution. These practices that the CFBP is allowing of this company is insane. I know I'm not the only person with now 2 complaints about there lending practices. I want my account with them closed immediately stating on my credit report as closed by the consumer, interest rate reduced so I can get them paid off completely, and show as all my payments on time. One other thing on my transaction it show that they submitted the ACH payment as retry. I never submitted a payment on the XXXX so how can they state it was was a retry. I withheld paying that payment until the funds were in my account. Unbelievable. In my own thinking they did this for malicious reasons to act like I had a payment return. The girl today even stated my account is current. I want resolution immediately..
Product: Credit reporting or other personal consumer reports

After reviewing my Experian consumer report, there is nonpublic information being reported in my consumer report that is a result in identity theft. I never gave written permission/instructions for this nonpublic information to be reported in my consumer report. Experian never even disclosed to me that they received request to have this information reported in my report. Below is the list of the nonpublic information being reported to my experian consumer reporting resulting in identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hello, I had a charge off debt with Navy credit union for the amount of XXXX Navy credit union sent me a letter of settlement on XX/XX/year> to settle in the amount for XXXX. 

I paid that settlement and also have proof of the amount of XXXX on XXXX XXXX Fast forward to XXXX I called to applied for a pledge loan of a total amount ( XXXX ) to start my new credit journey with Navy Credit union . No credit check is required/nor a soft pull is required. I was denied per the rep because my account has a charge off. I explain to the rep that it was settled ; she advised me it still stating a charge off and theres no one I can speak to regarding the matter. I will received a letter in the mail.

Im not understanding why I am still being penalties for a debt I settled with my Navy Credit Union bank.