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

I closed my card on or about XX/XX/XXXX. At the time I closed the account I had a credit of {$280.00} and was told the credit would be issued within 30 days. On or about XX/XX/XXXX I reviewed the monthly statement and saw the credit reflected in the balance. I called the help line and was told that there were still two days remaining in the thirty days from when I had closed the card. On XX/XX/XXXX I called again after checking my account online and seeing the credit still reflected. I was told that a a request had not been made to send the refund check. I formally requested the credit at that point. I also requested to speak with a supervisor to ask that the request be expedited. I was told these requests take 30 days. I called again on XX/XX/XXXX. And spoke with a representative named XXXX who saw that the request had been submitted on XX/XX/XXXX but had not been expedited. She claims to have submitted another request and requested that it be expedited. I feel this company is stringing me along. If I owed them nearly XXXX dollars I am sure they would not be so complacent.
Product: Money transfer, virtual currency, or money service

On Sunday XX/XX/2024 I received a call from someone stating that they were from Wells Fargo Bank asking if I had authorized XXXX XXXX transactions totaling {$3100.00}. Of course I said NO. I googled the number and it stated it was Wells Fargo Bank. They proceeded to instruct me that in order to reverse the transaction I would have to access my checking account and follow their instructions which I believe caused me to send them the money. I hung up with them and immediately called Wells Fargo Bank and was told that I had been scammed. They informed me that XXXX is an immediate transfer of funds with no waiting period. Why not a XXXX or XXXX hour waiting period. I called within XXXX minutes of being scammed. Why are banks allowed to do it immediately. I received a letter dated XX/XX/2024 from Wells Fargo Bank on XX/XX/2024 denying my claim for reimbursement of my funds. It took them XXXX day to investigate my claim. Not much of an investigation in my book.
Product: Vehicle loan or lease

Good morning, I submitted a complaint for a number of violations conducted by Avid acceptance located in Utah. A car loan financing company that charges excessive fees, excessive interest rates, commit predatory lending and promote deceitful advertising as well as harassment over the phone. I have not received any notification from you as of yet with potential solutions and steps to take or advise on how to proceed with the scam or scams perpetrated by this institution. I am aware of the preference of some companies to communicate via emails or text messages. As a courtesy and due to the pandemic I am communicating again asking for your assistance. My assistance requirements are no to peddle money or get free anything. My desire and mission is to bring scoundrels like these to a higher authority so they stop their horrible and misleading practices against me and perhaps against other victims. If at all possible I would like to get an update of my previous complaint on the same subject. My information can be found under : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX My email address is XXXX Thank you in advance and please stay safe.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is the second time i'm filing this complaint with cfpb, checkr background check has a eviction listed on their report belonging to me case number XXXX i have disputed this with them this does not belong to me after pulling the public records there is no personal information belonging to me such as my social security number is not listed on this judgement or complaint after speaking with the filing party they couldn't verify my social either this is being reported solely because of the name is similar not other proof or reasons to show this belongs to me after speak with checkr they keep saying this was verified thru public records but how when you can verify my social security number only being verified by name this is totally wrong and inaccurate please help with removing this immediately.
Product: Credit card or prepaid card

Hi there, I opened a Amex blue cash credit card about 2months ago ( XX/XX/2020 ), and spent over {$1000.00} for earning {$350.00} [ {$150.00} + {$200.00} ( XXXX ) ] bonus. My friend referred me for this card, she got her bonus very quickly. However its been more than 8 weeks now, I havent received any bonus from Amex, I contacted the customer service 3 times. The last two times, Amex representative told me that I am totally qualified for the bonus since I have already spent over {$1000.00} on XXXX. Unfortunately, some people can get bonus right away, some people has to wait for it up to 8 weeks, and I suppose to get the {$150.00} opening card bonus before my first statement which is I did not. I defiantly this situation is unfair to users like me, but I choose to wait and paid off my first bill statement. After 8 weeks I still get nothing, so I had to call them again. However this time Amex representative said their system showed I am not qualified to those bonus. ( put me on hold for mins ) He asked me to find a paper and pen to write down a code and wait for another 3 weeks for the result. I didn't feel satisfied with this solution. So I asked to speak with his supervisor, ( put me on hold again for mins ) but the supervisor rejected to talk at all. And then I asked the representative to help me file a complaint ( put me on hold again ). The representative said his supervisor asked him to give me an address to mail a letter. The phone call took so long but my problem was not solved. I can't believe nowadays there is no way people can contact Amex online. And the supervisor totally rejected to communicate with me. I guess their attitude was not positive and disrespectful.
Product: Mortgage

I have been fighting in court now for 8 months over major and clearly illegal discrepencies in my home mortgage. The Lenders involved are XXXX and Caliber home loans, while some of my complaint happened while my loan was under XXXX, caliber is doing the exact same issues. I am going to attach evidence I am submitting to the courts tomorrow, I have been working with an attorney, but if I had not been under the protection of a chapter XXXX bankruptcy I surely would have lost my home. I can not believe that the CFPB has not stepped in at this point to do something about this account, undisputed evidence of inflated fees, flat illegal treatment of my original mortgage contract, theft of monies I paid to my mortgage that were intended to go to principal on my loan, illegal stay relief action taken on the part of caliber home loans, pyramided late fees in excess of XXXX dollars, fraudulent " home inspection fees '' over XXXX of them in my loan history, forcing of using XXXX to pay my mortgage, illegal reinstatement fees, and fees for batch filing have already been provided, if the CFPB would merely LOOK at the evidence I and XXXX has submitted they would undoubtedly find a huge number of violations of law. I will continue to submit complaints until something is done about BOTH calber and XXXX, not all homeowners are under the protection of a chapter XXXX, or have the tenacity to fight as long as I have. 
In my attachments you will see XXXX cleared payments through check and money order and another years worth through bank statements, NONE of these have been applied to my account, you will also see XXXX XXXX transactions three of these were not applied to my account. In the accounting that caliber and XXXX provided to the court ( attached with my notes ) you will see over XXXX instances in which an illegal action happened on my account. OVER XXXX TIMES THESE SERVICE 'S BROKE THE LAW ON MY ACCOUNT ALONE! Please do something about this. My advice to homeowners, NEVER ALLOW EITHER CALIBER HOME LOANS OR XXXX TO HOLD YOUR MORTGAGE!!!
Product: Credit card or prepaid card

I had a Costco Citi card for about 5 years. During Covid, I was XXXX  and still managed to make payments. This account was maxed out and I paid the minimum monthly. I was in good standing with this card. I was even set up on auto pay. I recently started a job making more money as was able to begin paying all of my debt. I paid the full amount of {$3900.00} on this card and within a week they closed my account. I was told that they review accounts monthly, but why was it closed when I havent had any dings to my credit report in over a year and this card was I good standing. I am able to pay my bill monthly with no issues
Product: Credit card or prepaid card

On XX/XX/XXXX Synchrony Bank ( XXXX XXXX ) lowered our credit limit to the balance on our card. When I called them on XX/XX/XXXX to find out why this happened because my XXXX credit reporting sent me a notification that my credit limit had been lowered which in turn made my credit score go  down. 

When I called Synchrony Bank they said they check my credit and determined my credit rating by looking at my balance on my other cards. I did not give them the right to check my credit and I have paid this card off completely one time since opening in XX/XX/XXXX. I also pay more than the monthly payment. I feel I am being discriminating against and I did not authorize them to check my credit. I am requesting they be fined and they are required to pay the balance on the card {$1800.00}. 

We recently purchased a house and had to purchase items for our house. Please let me know what you find out. 
Thank you, XXXX XXXX
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Fraudulent Account on Credit Report I am writing to dispute a fraudulent account listed on my credit report. The account in question is Apple Card-GS Bank, account number XXXX I have never opened an account with Apple Card-GS Bank and I believe this account is the result of fraudulent activity. 

I have spoken with company notifying them that this account isnt mines and I have no knowledge of this account. I then was asked to provide them with my FTC Complaint which was provided. They still insist on reporting this account within my credit reports. I have not been provided with any information that this account is in fact mines. Therefore I am reaching out to you all for help. 

I request that you investigate this matter thoroughly so this fraudulent account can be removed from my credit report. Please provide me with a written confirmation once the investigation is complete and the fraudulent account has been removed. 

This is causing much stress in my life because of its impact on my credit report while I am in the process of trying to purchase my first home but cant move forward until this is resolved. 

I know it usually takes up to 30 days to resolve, so hopefully it can be resolved soon as possible. 

Thank you for your time and attention to this matter. I look forward to your prompt resolution. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I was charged so many hidden fees and over drafts it kept me in the negative. Causing many problems with bills food ....
Product: Debt collection

On XX/XX/2022, I received a notification that a collection account had been placed on my credit report in the amount of {$550.00}. According to my credit report ( since I never received anything directly from this company ), it was from a recent apartment complex that I lived in last year. This was shocking to me because I have never received ANY communication from this company and had no knowledge that this account was due. I was not informed by the initial company saying I owe the debt, neither was I contacted about this debt from the debt collector until I saw the collection on my credit report. I then reached out to this creditor via certified mail at the end of XXXX requesting a response and a debt validation letter. It is now the end of XXXX and I still have not received any calls or documentations proving that I owe this debt. However, it is still showing as a past due collections on my credit report. 

I never received any documentation from this company letting me know that this account was due. I was never given the chance to dispute this debt. I was never given the chance to possibly settle the debt before the lasting effects of putting a collection on my credit score for the next 7 years. This can not be legal!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On Saturday XX/XX/XXXX, I received a text alert from Citibank asking if I was trying to make a certain charge on my credit card. I responded NO and was directed to call a certain phone number. On the ensuing phone call, the agent informed me Citbank would be closing the account because of this fraud and sending me a new card. <P/>The following week, I was able to login to my account online and see that there were additional fraudulent charges. I contacted Citibank and informed them of this additional fraud. <P/>1 )XX/XX/XXXX XXXX USD XXXX CA {$320.00} Reference # XXXX 2 ) XX/XX/XXXX XXXX XXXX XXXX XXXX NY {$350.00} Reference # XXXX 3 ) XX/XX/XXXX XXXX XXXX XXXX XXXX NY {$350.00} Reference # XXXX I have made repeated phone calls to Citibank over the past 3 months. I was told at first that they were investigating these charges and not to pay these amounts or any related interest charges as they would all be reversed at the end of the investigation. I was more recently told on at least 3 occasions that these charges would be removed from my account and I would see the credit on my next statement and the credit would not appear on my online account until the statement had been run. I have now received my 3rd statement that was supposed to have these charges removed and the charges remain.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I started trying to clean up my credit due to identity fraud that resulted in XXXX. Ever since, no company ( this company and the others that I will tag in this complaint ) has given me any " REAL '' information proving that I was the source of this debt ... EVEN after I sent several letters, submitted disputes to the Credit Bureaus and the Companies pursuing collections. Without growing weary in the process, I put a fraud  alert on my credit reports in XXXX or XXXX that only lasted a short while ( they were recently lifted XX/XX/XXXX ), while I was still telling these companies that I am indeed a victim of identity theft. Have been trying to clean it up for years but these companies nor the credit bureaus helped with the proof that these accounts could possibly be because identity theft. As of XX/XX/XXXX, an Investigator XXXX XXXX of Economic Crimes Detail with the XXXX County Sheriffs Department contacted me to tell me that they caught a female who had the identities of me and other victims that she obtained off the dark web in order to commit fraud using my, among others ', identity. I have attached the letter for review. This letter is dated this year, but I have been claiming identity theft since XXXX, and all the companies I included in this complaint did not assist me with clearing the debt from my name when I gave them specifics on what I was dealing with. I would like to formally file this complaint that these companies failed to help protect me as a Consumer and now I am looking to start legal actions with all who did not perform their due diligence in proving that I was or was NOT a victim of identity theft nor did they validate any of my debts or their allegations which proves that they did not perform the correct procedures.
Product: Money transfer, virtual currency, or money service

On Friday, XX/XX/XXXX, my paycheck for work was deposited into my Venmo account. After it was deposited, I tried to transfer some money over to my wife to pay the bills. This action completely locked my account down to where I had no access to funds. Submitting complaints online. I finally got a hold of a real person to talk to and the debit card department. They explained that they thought there were some unusual activity so I verified my ID by sending not only a copy of my state drivers license but also the previous month financial statements from my cash app account.. My Venmo account was then put under restriction long enough for me to order XXXX thing off of XXXX. However, I tried to go to the ATM machine and withdraw some money and it locked my account back down for suspicious activity every day for a week I have been on the phone trying to find out what is going on because this was money that I live off of week by week. I was not able to get to work and lost my job because of this. Here, I am over a week later, and my funds are still not available. No one at Venmo can explain why my account is suspended all I am being told. It is up to an XXXX  XXXX to unlock it. There is no talking to an XXXX  XXXX. I have learned a valuable lesson on this one! Venmo needs to be shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times I demand the accounts listed below be remove because According to 15 USC 1681 : I Have the right to privavy and i did not give equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX - XXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX  Account # XXXX
Product: Credit reporting or other personal consumer reports

There are numerous inquiries on my reports that I did not make. These inquiries are violating my right to accurate credit reporting. They need to be deleted from my credit file ( s ). FTC advised me to report them to CFPB directly. 

XXXX : XXXX ( XX/XX/2023 ), XXXX XXXX ( XX/XX/2023 ), XXXX ( XX/XX/2023 ), XXXX XXXX  ( XX/XX/2023 ) XXXX : XXXX XXXX XXXX ( XX/XX/2023 ), XXXX ( XX/XX/2023 ) Transunion : XXXX XXXX ( XX/XX/2023 ), XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Unknown and unauthorized inquiries on 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage account was in a forbearance until XX/XX/2021. I sold my house in XX/XX/2021. Even though my loan was closed current, paid in full and I was on a forbearance, XXXX  and XXXX  and Equifax reported that I was over 30 days late for last month since I didn't pay last month because I was on forbearance. 

This has greatly affected my credit score - decreased 40 points. They have not found a way to resolve this matter. My mortgage company has stated that they submitted the information to the credit bureaus as paid in full and current but some how they are showing 30 days late.
Product: Debt collection

called left message even though I answered. Stated it was a debt collection and I must call them back. No one at our number has any unpaid debts!
Product: Debt collection

Navient claims that " It is our position that your loans were qualified educational loans as defined in section 221 ( d ) ( 1 ) of the Internal Revenue Code of 1986 ; therefore, the loans are not discharged in your bankruptcy filing ''. However, that statement is out of context because once a debtor proves to the court that if the debt is not discharged, it would would impose an undue hardship on the debtor and the debtor 's dependents I submitted all the documents required by the court to substantiate the hardship and a federal Judge ordered discharge of the debt. Navient was properly included in the bankruptcy petition and in the creditors matrix. Navient did not initiate an adversarial proceeding within the time frame required under the law to prevent the debts from being discharged.

The facts are very clear in this case : 1. Navient was included in the bankruptcy filing 2. Navient failed to initiate an adversarial proceeding as required under the law to prevent discharge 3. The undue hardship on the debtor and the debtor 's dependents test was met as determined by the court 4. Discharge was granted.

The Fair Debt Collection Practices Act forbids Navient from collecting on a debt that has been properly discharged by a court. Navient must act swiftly to remove these accounts from all applicable consumer reports. This is my formal notice to Navient to cease and desist from all collection efforts related to this account because in the United States, it is illegal to attempt to collect on a debt not owed. 

Lastly, Navient my XXXX 's request for documentation from Navient proving that the debt is valid, and that Navient has a right to collect on it. Additionally, Navient has failed to provide documentation showing the validity of the debt including original promissory notes with my signature on it
Product: Debt collection

Dispute of Alleged Debt I am writing to formally dispute the debt being reported by Hauge Associates in the amounts of {$2500.00}. I have no business relationship with your company, and I believe that these debts were purchased from another company that has since terminated the original debt. Despite my numerous requests for proof of ownership and validation of the alleged debt, I have not received any documentation from Hauge associated to support your claims. As per the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you cease all collection activities and remove the inaccurate information from my credit report. This unwarranted reporting has negatively impacted my credit rating for the past XXXX years, causing considerable distress and harm. Please provide the following information within 30 days of receipt of this letter : 1. A copy of the agreement that authorizes you to collect on this alleged debt. 2. A detailed statement showing the full accounting of the alleged debt. If you are unable to provide the requested documentation, I insist that you immediately cease collection activities and correct the inaccurate information reported to the credit bureaus. I look forward to your prompt response and resolution of this matter.