23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On XXXX, I scheduled XXXX transfers from my accounts at other banks. I received a voice mail to call money movement at XXXX. I called and Chase rep made a conference call with XXXX XXXX ( the other bank ) to verify funds. Chase verified everything and no other transfers required verification. But, this second transfer was rejected because someone did not follow thru. 
While I have received good to great service from other departments at Chase but not from XXXX XXXX XXXX XXXX. 
I would like to know why this transfer was rejected after confirming that no other verification is required for other transfers.
Product: Student loan

I have a student loan with Navient. In XX/XX/2013  the balance was XXXX I have made payments of XXXX to XXXX for the last 6 years ( XXXXXXXX of payments ) as of today I still owe over XXXX! Only XXXX has came off my debt owed out of XXXX In payments. When i pay on time they increase my student loan intrest rates. It is now currently at 12 %!!! I have asked them to lower the intrest and they will not. Please help.
Product: Mortgage

I have requested that everything be addressed from Wells Fargo and I did not receive my request back from Wells Fargo. I also want the process of the Sheriffs Sale of my home to cease immediately. The amount that Wells Fargo says that I owe is inaccurate. None of the debts that they list are still owed. The most recent document that I received from the Sheriffs office says that {$130000.00} plus is owed. When in fact it should only be {$24000.00} to Wells Fargo. In addition. I have several documents from Wells Fargo that were false/fake that were supposed to pertain to my original closing documents. I found the original documents. Wells Fargo has a noted history of falsifying documents against consumers in order to steal their properties. I have the evidence that they have done the same to me. I have evidence that Wells Fargo had changed my original rate that I agreed to when I signed for my mortgage to benefit Wells Fargo. All of Wells Fargos actions have been illegal and predatory.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : U.S. Bankruptcy Court Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

We are encountering a problem with Ocwen Loan Servicing that I believe is of sufficient severity and impact to require the enforcement actions of the Consumer Financial Protection Bureau ( CFPB ). These are problems that never should have started, should have been stopped a long time ago, and are still happening right now in spite of endless consent orders ordering them to stop this behavior. 

Ocwen does not answer its phone and it is not returning any messages while it is at the same time trying to sell our home on XX/XX/XXXX. 


9 calls now : 1. ) Tuesday XXXX XXXX XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 2. )  Wednesday XXXX XXXX  XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 3. ) Wednesday XXXX XXXX XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 4. ) Thursday XXXX XXXX  XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 5. ) Thursday XXXX XXXX  XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 6. ) Friday XXXX XXXX XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 7. ) Saturday XXXX XXXX XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 8. )  Saturday XXXX XXXX  XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 9. ) Saturday XXXX XXXX   XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE We really need help to put a stop to this. It is essential that people be able to communicate with a live person when the servicer is trying to illegally sell their homeespecially when it is illegal. We dont even know if these lawyers who are trying to sell peoples homes even have instructions or any authority to do what they are doing. We have to know what is going on in this situation. We have been continually fighting these problems with Ocwen, and the situation just keeps getting worse. They have been sued a number of times by the Consumer Financial Protection Bureau ( CFPB ) for problems like this, and they are legally required by court orders to handle these issues properlyand to not do what they are again doing right now. This problem is very serious and they are in clear violation of the law. They are ignoring numerous laws and consent orders. The CFPB must enforce these laws and orders. These illegal actions by Ocwen must be stopped immediately by any means necessary. The CFPB must take action to put a stop to this insane situation. No American citizennor anyone else for that mattershould have to go through this kind of experience in a civilized society.
Product: Credit reporting, credit repair services, or other personal consumer reports

After realizing my identity was compromised I immediately decided to take the necessary steps in attempt to try resolve this matter with all three of the major credit bureaus. I have sent several disputes including a identity theft report which included several of the fraudulent accounts in question. I have included several pieces of supporting documentation along with my identity theft report and Equifax has failed to provide accurate verification as per the Fair the Credit Reporting Act. Equiax has failed block the fraudulent accounts within 4 days of being notified as per section 605b. Equifax has also failed to abide by sections 609 and 611 of the Fair Credit Reporting Act by taking more than 30 days with the investigation and clearly violating my consumer rights. The fraudulent accounts in question are 1.XXXX  XXXX XXXX # XXXX, 2. XXXX XXXX FKA XXXX  # XXXX, 3. XXXX XXXX XXXX  # XXXX, 4. XXXX XXXX University # XXXX, 5. XXXX XXXX  # XXXX. All these accounts have and were included in my identity theft report as a result of fraud and in no way should not be listed on my credit report. Equifax continues to send out vague responses without any significant proof of showing any obligation connecting me to any of these debts.
Product: Checking or savings account

1 ) Completed in-store purchase at XXXX XXXX XXXX XXXX XXXX, WI ) on Sat XX/XX/2021 ( Time : XXXX ) using US Bank Debit Card ending in XXXX XXXX Amount : {$25.00} ). Transaction posted to my checking account Mon XX/XX/2021. ( See attachments for personal details. ) *Sale Trans # : XXXX. Verified by pin. 

2 ) During transaction, sales clerk stated that my 1st US Bank Debit Card authorization attempt failed because I " removed the card too soon '' ( which I did not ). The sales clerk then instructed me to reinsert my US Bank Debit Card a 2nd time. 
*Please note that this transaction occurred in-store so there must be a video recording my the described actions. 

3 ) On XX/XX/2021 my US Bank Account posted a [ double transaction alert ] for the {$25.00} amount ( see attached documents ). I called US Bank and asked for an inquiry. I also went to back to the XXXX XXXX spoke XXXX/Store Manager XXXX XXXX XXXX and a XXXX XXXX ( XXXX ) both of which told me that there was only one ( 1 ) transaction and that the second transaction would " drop off. '' Please note that the XXXX XXXX. XXXX left a voicemail for me stating that my card was authorized twice ( x2 ), and assured me that the 2nd authorization would " drop off. '' 4 ) As of XX/XX/2021 the duplicate charge of {$25.00} has not " dropped off. '' Not sure if this error is fraud, theft, or something else. See attachments and investigate. 

Thanks!
Product: Checking or savings account

Im on the with XXXX customer service he asked me 12 questions to verify and he is not done yet Is your bank a joke? Its ridiculous why he wouldnt his common sense.

Ive verified 12 questions I have submitted all documents requested.

And he is asking for additional ones that you did not request before. How professional is that. Is your bank being discriminatory?

And I would ask for you to train your reps with a minimum training so your bank doesnt seem like a joke.

Im requesting a call back or several others complaints will be issue due additional issues.
Product: Debt collection

Back in XXXX I moved from XXXX to XXXX. Before the move, I had went to USPS to place a forwarding address to send all mail to my new XXXX address. Well apparently, XXXX bills that I owed never got sent to the XXXX address as it should have. Anyhow, as you can imagine, during the moving process, settling into a new place/home, finding a new job kind of taken my attention away of the XXXX bills I knew I had to pay for when the bill came in the mail. 

About 5 months had passed and I believe a lady in XXXX XXXX called me from The Thomas Agency saying I have some bills to pay on and can do so over the phone right now. I immediately said what bills and explained I have n't received any bills from XXXX since being here in XXXX for 5 months. I told her I wanted those to be sent to me asap so I can review them myself to make sure I actually still owe the correct amounts before making any payments. I also only make payments with a bills statement. This lady was going to go ahead and wanted me to pay on the bills over the phone without even explaining to me what each bill was for. I told her I refuse to pay on anything until I see the bills and the lady hung up on me unprofessionally. I never heard from anybody from the Thomas Agency nor received any of the bills in the mail since. 

I received a new credit card some time back XXXX of XXXX so that led to a credit score report generated and that is when I saw the XXXX bills from the Thomas Agency. I went on their website to contact them but found out I could pay on the bills on their website which I would have done back in XXXX if the option was ever given to me then. Anyhow, so I paid off XXXX of XXXX bills then paid off the last bill on the following next pay check. All payments were made by Auto-Withdrawals from my XXXX account. 

Recently, back on XXXX XXXX, XXXX I purchased a new car lease and that generated another credit score report. I went onto my XXXX account to generate a free credit report for myself and that is when I saw XXXX bill from the list from The Thomas Agency for {$130.00} listed as STATUS : Unknown when it should be STATUS : PAID. I sent them my first email on XXXX/XXXX/XXXX to get a status on this but I have not heard back from anyone there. I sent a follow up Email asking for a response again but added if I did n't hear back from them soon after 2-3 days that I would escalate this issue myself and here we are.
Product: Checking or savings account

Truist closed my checking account during a state of emergency as my house was damaged severely by hurricane XXXX, one or more of my bills hit my account and I want able to get caught up, next thing I know my checking account was closed and reported to XXXX XXXX.
Product: Debt collection

I am writing to file a formal complaint regarding a collection account labeled APPLE CARD/GS BANK USA account number XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and anxiety. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and anxiety that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my deep concern and dissatisfaction with the actions of Sallie Mae, a financial institution that I believe has used my personal information inappropriately and has reported my credit in bad faith.

I have recently discovered a hard inquiry on my credit report from Sallie Mae, an institution with which I have no affiliation or recognition. I firmly believe that this hard inquiry is erroneous and has negatively impacted my credit score. 

Furthermore, I feel discriminated against based on my place of origin. This is not only a violation of my rights as a consumer but also a breach of the ethical standards that every financial institution should uphold.

I am confident in my financial behavior and I am certain that this hard inquiry does not reflect my actions. I am deeply concerned about the potential long-term impact this could have on my financial future, and I am determined to rectify this situation.

I kindly request your assistance in investigating this matter further. I am hopeful that with your intervention, Sallie Mae will take the necessary steps to correct this error, remove the hard inquiry from my credit report, and ensure that such discriminatory practices are not repeated. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue.
Product: Checking or savings account

I had a bank with Dave.com borrowed {$25.00} never used it they got their {$31.00} back and they were still been hitting my account {$10.00} so far after I terminated Dave.com
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECEIVED A LETTER OF DENIAL FOR A CREDIT CARD.ENCLOSED WAS 3 REPORTING AGENCIES PROVIDING THE CREDIT CARD COMPANY WITH INFORMATION WHICH RESULTED IN THE NEGATIVE DECISION.I CONTACTED 2 OF THE 3 AND SUCESSFULLY RECEIVED ASSURANCE OF MY REPORT BEING FORWARDED.XXXX TOTALLY AUTOMATED. " SELECTIVE HEARING '' TO MY ANSWERS.WRONG ANSWER IN THEIR OPINION SUCH AS WHERE I NOW LIVE SAME AS WHERE I RECEIVED LETTER OF DENIAL SAME AS OTHER 2 AGENCIES AKNOWLEDGED AND I WAS FORCED TO START OVER AND OVER IN A LOOP.I WAS TOLD TO CALL BACK WHEN I HAD CORRECT INFORMATION.I CONTACTED THEIR CUSTOMER SERVICE AND WAS GIVEN A THIRD TOLL FREE NUMBER TO SPEAK TO A " LIVE '' CSR.NOT SO.WORSE LOOP.NOTHING CORRECT, DRIVERS LICENSE BIRTH DATE SS NUMBER ALL '' WRONG '' AT SOME POINT.DEAD END.CANT REQUEST ANYTHING.LOCKED OUT.
Product: Credit reporting, credit repair services, or other personal consumer reports

DIRECT TO EXPERIAN : According to my consumer report I received dated XX/XX/XXXX, I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX XXXXXXXX XXXX XXXX XXXX, oXXXX XXXX such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX XXXX XXXX  XXXX XXXX and XXXX, and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : 1. XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX  XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 3. XXXX, XXXX, XX/XX/XXXX Any information listed on my consumer report must be verified or immediately removed. I am due for a thorough and proper investigation. Please send me any information regarding my request and an updated consumer report showing that the abovementioned demands have been met.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please review the following : Account # XXXX - XXXX XXXX XXXX XXXX  : This debt has already been sold and yet is still being reported with a past due balance on my account. The account was sold to XXXX XXXX. Please have this removed for inaccurate reporting. 

Account # XXXX - XXXX XXXX : This account is a part of the XXXX XXXX XXXX XXXX XXXXXXXX XXXX Settlement. One of the benefits of being involved with this settlement is having this account deleted from all three credit reports. It has still not been removed after multiple disputes and verbal confirmations that the account would be removed by XXXXXXXX XXXX XXXX 

Account # XXXX - XXXX XXXX XXXX : This account has continuously been reported inaccurately throughout all three bureaus. XXXXne bureau shows this account is open with a balance owed while two others show it is closed with a balance owed. After numerous disputes, this account inaccurately remains on my report. Charge off is a write off to the IRS, any balance is non reportable. 

Account # XXXXXXXX XXXX XXXXXXXX- This account has violated my rights to privacy. According to 15 U.S.C 1681 Section 604 A Section 2, a consumer reporting agency can not furnish an account without my written instructions. The open date, close date, and date of last activity on this account have all also been reported inaccurately throughout the bureaus.
Product: Credit card or prepaid card

On XX/XX/, I purchased a living room set ( sofa, love seat, ottoman, chair and tv stand ) from a store location closing sale at XXXX XXXX XXXX XXXX XXXX XXXXXXXX for {$3000.00} at XXXX and left to pick up my daughter from XXXX  and came back at XXXX. I was interested in a bunk bed and wanted to show her, eventually setting on a queen bedroom set and mattress for {$1500.00}. 3 days later after researching the company online and the statements regarding quality of the merchandise, I got out my receipt to try and call and cancel, not realizing at the time it said final sale. I called my credit card because I didn't know how to contact the merchant because the sales person said they would only be there until Saturday afternoon and it was Sunday. Capital One agent said, " don't worry, we will work with the merchant to get your money back '' and they opened a dispute. 

I didn't worry until I got my credit card statement emailed to me and saw the charges had been reapplied. I realized I received a document via email with the merchants response to the chargeback. I didn't know I was signed up for paperless statements including disputes upon opening the card 6 months prior. The merchant provided a false statement that they delivered the first set of furniture and then I returned and purchased more furniture that they couldn't deliver until XX/XX/XXXX. On the paper it says Thursday and it says XX/XX/XXXX and it says XXXX. The merchant is claiming to have delivered the merchandise between XXXX on XX/XX/XXXX when the transaction did not occur until XXXX that day. The credit card is ignoring my documentation based on a missed deadline of XX/XX/XXXX after stating on XX/XX/XXXX that I had 14 more days to continue the dispute. Calls to customer service resulted in conflicting and triggering information each time as they each gave different responses as to what I could do in order to continue the dispute. My issue is this merchant provided false conflicting evidence as well as a forged delivery acceptance paper, forging my signature and initials on it to influence Capital One to reverse the charges and gave the merchant more time to respond than it did me, as well as failed to make sure that I received their emailed document that involved {$4600.00} worth of merchandise that I never received. They are telling me, this is mastercards rules and that's it and failed to give me a valid phone number to reach mastercard and wasted my time forcing me to talk to inexperienced customer service reps.
Product: Credit card or prepaid card

My issue is that Synchrony Bank  Lowes Credit Card is not living up to their advertising of purchase protection on item place on their credit card. I have repeatedly filled disputes which have been immediately closed with any investigating. 

On the below dates I purchased Kitchen Cabinetry from LOWE 'S HOME CENTERS, XXXX XXXX XXXX XXXX, XXXX, MD XXXX ( XXXX ) XXXX in the total amount of {$25000.00}. Of which {$7000.00} was placed on a Synchrony Bank Lowes Credit Card. 
XXXX Total amount {$23000.00} {$5000.00} Charged to Lowes Credit Card XXXX Total Amount {$2000.00} all of which charged to Lowes Credit Card The Kitchen Cabinetry had major defects on nearly every door and draw front. It also had numerous other defects. I brought the defects to the attention of Lowes starting XX/XX/XXXX. There has been an email chain exceeding 80 emails. I have provided in person evidence of the problems. 40 + photos. Lowes and the cabinet manufacturers made a site visit and acknowledged the issues and promised to resolve them. There have been countless promises to resolve the problems in person, verbally by 6 employees and in writing. I have spent countless hours documenting and providing information to Lowes and the credit card company. The last official response from the local store was on XXXX where XXXX XXXX stated they were contact with the vendor regarding compensation for the cabinets. And they look forward to getting this taken care of promptly In addition at the suggestion of Synchrony Bank I have made 3 complaints directly to Lowes Corporate see below. Again, lots of promises but no follow-up.

Synchrony Bank Credit Card Disputes- Ignored In XXXX of XXXX I filed the 1st of 5 or 6 disputes with Synchrony Bank Lowes Credit Card for the amount of the cabinetry placed on their credit card. The first 4 disputes were closed stating that the Store was working with me to resolve the dispute. I repletely explained to Synchrony Bank that they were not and provided email documentation. Every time they closed the dispute, I would call them to explain that they were not working with me. They would say no problem and tell me to reopen the dispute. The last 2 times I reopened the dispute in XXXX and XXXX of XXXX they have closed them stating I have not provided any addition information. 
They advertise their credit card to have purchase protection yet they are not even attempting to honor that or assist me in any kind of resolution. Please help. This is all just wrong. I dont have money to fight this with a lawyer but I will if I have to. 
XXXX XXXX XXXX Corporate Complaints XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employee # XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whomever it may concern, there is currently an erroneous Inquiry reporting on my credit report ( XXXX XXXX XXXX XXXX XXXX XXXX ). I did not give consent/ authorization for this creditor to have access to my credit profile and have not done business with this said creditor. This is inaccurate credit reporting and unauthorized.