23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

XXXX this person on XXXX. Got lured into this website site ( XXXX XXXX XXXX ) by this person from facebook ( XXXX XXXX XXXX XXXXXXXX ). I Deposited money with international money transfers apps ( XXXX XXXX XXXX XXXX XXXX XXXX ) including bank wire transfer and XXXX XXXX XXXX. Once I started trading with the money I invested for commission, all of a sudden it pops up that I won a bonus award and I needed to deposit more. Even the person I was talking to on XXXX helped me deposit with her money to help me unlock this bonus award, knowing the person was part of the scam. I had to complete my task of the day in order to withdrawal the money, then another prize award pops up, saying that I hit the jackpot. I had to deposit more money to complete to bonus prize. Now when it came to when I was allowed to withdrawal the money, trying to withdrawal full huge amount ( $ XXXX ), Now they saying I need to deposit 40 % of that total amount to complete a tax procedure for both the system and the bank. I had to open a loan and ended up depositing that 40 %. They tell me I must complete the task the day so I can withdrawal, I end up winning another prize. Now they tell me I must deposit more money to complete the bonus award then I can withdrawal. The prize just gets bigger and bigger and I have to deposit more and more. Unable to withdrawal, now I am stuck here feeling that I have been scammed. I've done research on the scammer XXXX account, she is pretending to be someone else and steal pictures from this XXXX account XXXX XXXX XXXX XXXXXXXX  Please help me, what should I do to get my funds back. I have other transactions starting XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I am writing to you today to once again dispute some accounts that appear on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. I already forwarded the required FTC report to the companies and they have acknowledged that these accounts were fraudulent and have removed them. However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed them. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Bank account or service

I deposit cash to ATM and atm was broken and no reciept to money bank refuse to investigate and return. 
XXXX stole my money
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account number XXXX DEPT OF EDUCATION/XXXX Account number XXXX DEPT OF EDUCATION/XXXX Account number XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXXXXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Student loan

I was mislead and told in my promissory note that I would be funded through graduation. Upon entering my junior year my loans were cut and I no longer could receive enough to finish. The loan terms stated I would have to repay the loan after graduating based on my earning potential once obtaining my degree which I could not get because I couldnt pay for my last year and a half of school.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never missed any payments on the following account XXXX XXXX XXXX XXXX - XXXX XXXX. Please investigate to ensure accurate reporting.
Product: Credit reporting or other personal consumer reports

Due to multiple costs after a pipe burst at my home one of the repair companies offered to run an online credit check for an installment plan. I told them my credit accounts were frozen due to previous data breaches and they decided to try, but it was declined. 

Unexpectedly I received a letter dated XX/XX/XXXX stating that Experian indicated my credit score was 0 which is incorrect- my credit score was unavailable ( which is not the same as a credit score of 0 ). 

The letter came from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX The signature block of the letter was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX The credit check was through Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have had multiple data breaches affect me including needing credit monitoring ( and am currently under free monitoring for the latest one ). It is a great concern to me that there not be a record anywhere stating I have a credit score of XXXX None of the three companies listed above have been willing to take any actions and each just refers me to another of the companies. It is incidentally very difficult to connect with a live person at any of the three since I am not technically a customer of any of them. More like a victim of all of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX XXXX. 
date open XX/XX/XXXX amount {$25000.00} XXXX. XXXX XXXX XXXX date open XX/XX/XXXX amount {$88000.00} I reached out to both the furnisher of the credit, and they advised me that they're going to remove these accounts from my credit reporting agency. After waiting for 90 days. Both accounts are still reporting. After calling the original creditors again they advised me that after my phone call emails were send to all 3 bureaus to remove the accounts in question. 
I reached out to each credit agency XXXX, XXXX XXXX, and Equifax and they just updated all the dates and account statuses so they can all match, but still never removed the accounts in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have applied for credit with SYNCB/XXXX XXXX on XX/XX/XXXX. I have two hard inquiries on my credit report showing that my credit was run twice. One time on XX/XX/2022 and the other time on XX/XX/2022. When I spoke with one of the XXXX XXXX manager they stated that they only ran my credit one time on XX/XX/2022. I would like to have that inquiry from XX/XX/XXXX remove from my credit report please. They verify that they used the same information submitted to them on XX/XX/XXXX and only ran my credit on XX/XX/XXXX when they spoke to me. Please rectify this information and advise what other information I need to submit in order to resolve this issue. Thank you
Product: Student loan

XX/XX/XXXX - received notification that loan XXXX  ( total of 2 were forgiven as of XX/XX/XXXX XX/XX/XXXX received XXXX separate email documents that my remaining loans were paid in full XX/XX/XXXX submitted complaint on student aid.gov XXXX XXXX  regarding the status of my refund overpayment, followed up on XX/XX/XXXX requesting my case be escalated to the Ombudsman as of XX/XX/XXXX no response XX/XX/XXXX contacted Nelnet by phone representative XXXX indicated my refund file was in process totaling {$23000.00} as of XX/XX/XXXX XX/XX/XXXX contacted Nelnet by phone representative XXXX was unable to assist and transferred the call to solutions specialist XXXX that indicated my Account has been flagged for both IDR ( income driven repayment adjustment ) and BD ( Borrowers Defense ) with 2 refund amounts reflecting {$23000.00} and {$17000.00} and also indicated I should be getting a letter about the BD XX/XX/XXXX contacted Nelnet by phone representative XXXX indicated the refund was sent to Treasury but, no date ; he then transferred me to solutions specialist XXXX that indicated adjustments were sent but, no date ; she was unable to confirm BD on my account but, reconfirmed {$23000.00} and {$17000.00} XX/XX/XXXX contacted Nelnet by phone representative XXXX doesnt show anything further and transferred my call to solution specialist XXXX who indicated my file was sent to the US Treasury on XX/XX/XXXX but, since it is a larger amount, it takes time XX/XX/XXXX submitted first CFPB complaint, XXXX XX/XX/XXXX contacted Nelnet by phone representative XXXX indicated that she sees reversals on my account but, no other details and transfers the call to solution specialist XXXX who after spending time reviewing my account indicated she was sending a request to the accounting department to review my account and I should receive an update via email as of XX/XX/XXXX, no update has been received XX/XX/XXXX contacted Nelnet by phone representative XXXX indicated she XXXX not able to assist due to her training and transferred my call to solutions specialist XXXX who confirmed the previous solutions specialist did send the request to accounting to have my account reviewed on XX/XX/XXXX. XXXX further confirmed that my account reflects BD and IDR Due to the lack of information from the representatives by phone, I attempted to email Nelnet 3 times, only to be advised they could not locate my account even when a screenshot of my account was provided ( see attached )
Product: Checking or savings account

On XX/XX/2023 I got my work check deposited into my Chime account in the amount of {$480.00}. I was planning to save my money for a car so I put {$300.00} in my Chime savings account after transferring {$100.00} to my XXXX. On that same night they closed my Savings account and my checking account. Afterwards Chime emailed me that they had agreed to close my account for going against deposit guidelines but would refund me any money I had left on the account balance. I reached out to the chime support services via phone and they said I had to send in documents ( They didn't specify what documents until a month after ) which I did. They stated that my Deposit went against their guidelines and they can't refund me my money which isn't true. I responded If Chime knew my deposit went against their guidelines why would they accept it in the first place, that's sketchy. I've been fighting for my money for over 5 months and still at step 1. I stated to my family lawyer that I was struggling financially due to Chime snatching my money and closing my account. I've even sent my check stubs as proof and they still have a hold on my funds. I've heard others having the same problem but never took it to heed until it happened to me. Now I'm in distraught and disbelief that a company would even do this to someone who was already suffering financially at that time. My lawyer advised me to report it to CFPB before going any further with a legal team.
Product: Credit card or prepaid card

I have a Citi ThankYou Preferred Card, and I think the way they apply my minimum payments is completely unfair. 

I have two different balances/amounts on this card, the first being approx. {$630.00} which is at 12.99 interest currently, when the 0 % promotional rate for this amount expired on XX/XX/XXXX. 

Now, the second ( newer ) balance is approx. {$3400.00}, from when I accepted a 0 % promotional balance transfer offer a few months ago. 

The problem is that when I submit my minimum payments to this card issuer, instead of applying the payment to the older balance ( the {$630.00} ) which has an interest rate of 12.99, they are applying basically the full amount to the {$3400.00} ( the newer one at 0 % ), so I 'm essentially stuck with the inability to pay off the part of my balance that is subject to interest. Unless I just get rid of ( transfer off ) the whole thing, which I would really rather not do, since I 'm getting 0 % on most of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was not paid late. Account never hit payment of 30 days late. Customer was in XXXX with XXXX and no one at the creditor would talk with anyone but him to take the payment. Payment was made but applied to different account by mistake and they would not work with or correct the issue till they talk to the customer who was fighting for is life
Product: Bank account or service

I have an account with Bank of America and I am having discrepancies in my account. My account was overdrawn and I am being charged excessive amounts of bank fees. I have tried multiple times to get some sort of assistance in removing some of the fees that are being charged on my account, and they said that they were unable to help with any of those fees. 
I 've also tried to set up some sort of payment plan with BOFA so that when my Social Security direct deposit comes in the amount wont be taken in XXXX lump-sum, and they also were unable to access me with this request because I would need to cancel my direct deposit first. I 'm not quite sure as to why BOFA has the option for discrepancy and they were not able to access me in any shape of form. I asked a question about their policy and the representative was unable to answer my question but stated a customer service agent would. 
When I got transferred to customer service they also could not answer my question and said to me that the discrepancy department has given me false information. I then-after asked if they can assist me and creating a payment plan and was told by customer service that they have a department that can assist me with the payment plan. Customer service transferred me to a collections agency that told me that customer service also gave me false information. 
I am single mother of a XXXX year old XXXX receiving a pension of {$XXXX} once a month and in fees alone this bank has charged me a little over XXXX dollars in fees in just 2 weeks ; and the fact that BOFA 's collection agency stated that i needed to cancel my direct deposit in order to create such payment plan is just ridiculous. The lack of communication skills within this company 's ' departments shows why they have such a horrible review!!! 
I can not fathom how individuals would choose to work for such company. I am completely distraught with the assistance i have received by them.
Product: Mortgage

My house was flooded in XXXXXXXX XXXX during hurricane XXXX. XXXX paid out my flood insurance claim, in two installments for XXXX and XXXX. I received the first check in mid XXXX and have applied all of it on work on the house. I received the second check on XX/XX/XXXX and forwarded it to MR COOPER for their endorsement. As of today XXXX XXXX, they have refused to disperse any of the funds. They required an inspection which I complied with on XXXX XXXX. They have never contacted me and I have to contact them when I have questions. The website shows the inspection was cancelled and they don't seem to be to update their system. I did talk to someone who acknowledged the inspection was completed but stated " only 12 % of the reconstruction was completed and will not give me any funds until 25 % of the reconstruction has been completed ''. When the walls were opened up for reclamation structural damage was found and had to be repaired before reconstruction could continue. I received an invoice for XXXX due on XX/XX/XXXX and MR COOPER will not pay it. I have been forced to apply for a second mortgage to pay my XXXX. I feel MR COOPER is intentionally with holding funds for a nefarious purpose because the insurance money has all gone toward restoring my house ( which I obviously can't live in ) and there is no justifiable reason for not releasing the insurance money.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on our ongoing efforts to remove the fraudulent items from my credit report. Despite our previous XXXX attempts, I regret to inform you that these items still persist on my record. As we enter the eighth attempt to address this matter, I want to emphasize the critical importance of rectifying these discrepancies promptly. The presence of fraudulent items undermines my financial credibility and poses significant challenges for my financial well-being and future credit opportunities. I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations.Please help me remove these fraud items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I applied for a CitiGold bank account with Citibank in XXXX XXXX under a promotion for XXXX XXXX XXXX miles. The miles were to be credited to my account as long as I met the requirements of the promotion. The requirements were {$1000.00} in debit transactions within 60 days as well as bill pay for consecutive months. I met the requirements at the beginning of XXXX, and received confirmation that I met the requirements on XXXX/XXXX/XXXX via Citi 's secure message system from XXXX XXXX. 

At this point, they explained that I needed to wait 90 days for the miles to be credited to my account. I waited the 90 days and secure messaged them again and received a response on XXXX/XXXX/XXXX from XXXX XXXX. She explained that they needed to open another research case to determine whether or not I was actually eligible for the promotion. Keep in mind, at this point, they have collected {$90.00} in monthly fees as the account needs to be open and in good standing prior to receiving the miles. 

On XXXX/XXXX/XXXX I received a message saying that I had met the promotion but they needed my XXXX XXXX account number in order to credit the account. I provided the account number several days later, and waited to see if the miles would be credited. After waiting two weeks, the miles were still not in my account. At this point, I called Citibank to see what the hold was. The customer service representative informed me that the miles usually credit and post to XXXX XXXX after my Citibank statement date closes. I took their word for it and waited until the beginning of XXXX to see if the miles would post. Still no miles. And I was charged another $ 30 monthly fee, making my total monthly fees paid to Citibank to be {$120.00}. 

I secure messaged Citibank again to see why the miles still had not credited to my account. On XXXX/XXXX/XXXX I received a response from XXXX XXXX stating that I was not actually targeted for the promotion so I am in violation of the terms of the agreement. This is in direct contrast to all of the previous emails and messages I have received, and Citibank has collected {$120.00} in fees from me. 

Fortunately, on XXXX/XXXX/XXXX I received a message from XXXX XXXX via secure message that said they would be honoring the terms of the original promotion and I would be receiving the XXXX XXXX miles within 60 days. They said they could not waive the 60 day waiting period. 

This is in direct contrast to the terms of the original promotion which stated that the miles would be credited to my account no greater than 90 days from when the promotion was met. By including this additional 60 day window, Citibank is collecting even more account fees from me. I am incredibly frustrated and insulted by the lack of customer service at Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company claims that I have a balance of $XXXX with them, I have been disputing this debt because they are reporting it as in collection on my credit report, I asked this company to please provide me with a copy of the original contract which bears my signature and which it concerns the debt being collected. All that ENHANCED RECOVERY COMPANY provided me with is a bunch of copies of account bills from the years XX/XX/XXXX and one copy from the year XX/XX/XXXX. This is not enough to validate the debt that they are trying to collect, I don’t want a piece of paper showing an itemization neither. I looked up the debt collection laws in the state of Massachusetts because that is where I reside and it says that on XX/XX/XXXX the Massachusetts Attorney general published onerous new consumer debt collection practice regulations, deeming their violation to be an unfair trade practice. It also says that these regulations, which became effective upon publication, purport to govern every business and person nationwide who engages in collecting a consumer debt (defined as any debt resulting from a purchase, lease or loan of goods, services or real or personal property or for a loan of money obtained for personal, family or household purposes, whether or not reduced to a judgement) from a person located within Massachusetts. Like I said at the beginning of my complaint, ENHANCED RECOVERY COMPANY is not willing to provide me with all documents or an original contract that bears my signature that is required in the state of Massachusetts. I am including some pictures that were taken by me so that ENHANCED RECOVERY COMPANY can read what the laws and regulations are in the state where I reside. If they are licensed to collect in Massachusetts, they should know these laws and regulations. This is not a refusal to pay, but I need this debt to be validated before I make any type of payment. If the debt cannot be validated please delete it from my credit file, as it is causing my credit worthiness big damage. Copies of account statements is not enough to proof that I opened this account, provide me with the original contract or delete the account from my credit report.
Product: Student loan

My student loan service provider is Mohela. I used Mohela 's website to submit payments for two student loans. The payments of {$26000.00} were withdrawn from my bank account on XX/XX/year>. On XX/XX/XXXX I accessed my Mohela account and noticed that the payment was not shown on my account and the loan balance remained the same. I sent a message to customer service via the Mohela website. Two days later a Mohela customer rep acknwledged receipt of the payment but did not provide an answer why the balance of my loan had not been updated. 

On XX/XX/XXXX XXXX I recieved my quarterly loan statement which still showed the incorrect balance and no record of my payment sent on XX/XX/XXXX. I wrote again to customer service again and two days later recieved a reply that did not address my question. I've tried to call to speak with a live agent however the wait time is over two hours long each time I call.