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

My tax refund was deposited into a Credit Karma account, I have tried for two days to receive my money from them and they are telling me I'm only allowed to transfer {$1000.00} a day which puts me in a bad position as I need the money that is in my account, they are telling me repeatedly that they won't give it to me
Product: Checking or savings account

On XX/XX/2019, I ordered a shirt from a website, XXXX, through XXXX which is linked to my debit card. The order # XXXX was placed at XXXX XXXX for {$38.00}. On XX/XX/2019, at XXXX XXXX, I emailed XXXX re : Cancel order # XXXX " Please cancel the above order that I placed on XX/XX/2019. Thank you! '' No response from XXXX to my email. So, on XX/XX/2019 at XXXX XXXX, I emailed XXXX again re : Cancel order # XXXX " Please cancel the above order that I placed on XX/XX/2019. Thank you! '' Still no response from XXXX to today XX/XX/2019. Filed dispute with XXXX on XX/XX/2019 at XXXX XXXX, dispute case # XXXX. On XX/XX/2019, XXXX gave me a provisional credit of {$38.00} pending a final decision with the seller, XXXX XXXX ( XXXX ). On XX/XX/2019 at XXXX XXXX, XXXX denied my case and reversed my provisional credit of {$38.00}, because my billing dispute didn't match their qualification of a billing dispute. (? ) On XX/XX/2019 at XXXX XXXX, filed an appeal against XXXX XXXX   decision due to a lack of updates by XXXX about my order, tracking number, and no product received from them as of today, XX/XX/2019 at XXXX XXXX. Filing this complaint because my 30 days is near ( order date was XX/XX/2019 ) and XXXX did not specify a deadline on when they would have a decision about my appeal.
Product: Credit reporting or other personal consumer reports

The erroneous reporting of a late payment on my consumer credit report provided by TransUnion LLC, XXXX, and XXXX. 
Creditor Name : Discover Account NumberXXXX Date of Alleged Late Payment : XXXX XXXX Violation of 15 U.S.C. 1666 ( b ) : In accordance with 15 U.S. Code 1666 ( b ), I have the right to dispute any billing errors or unauthorized charges. The late payment reported by TransUnion LLC, XXXX, and XXXX is incorrect and a violation of my rights under this statute. At no point did I make a late payment on the account listed, and any information suggesting otherwise is false. I have attached proof of timely payments made to the creditor, including bank statements and payment confirmations.

Violation of 15 U.S.C. 1681 : Under the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S. Code 1681, I have the right to accurate information being reported on my consumer credit report. By falsely reporting a late payment, TransUnion LLC, XXXX, and XXXX has violated this statute by failing to ensure that the information they report is accurate, complete, and up to date. This misinformation is damaging my credit score and standing, which constitutes harm. 
Request for Immediate Action : I hereby demand that TransUnion LLC, XXXX, and XXXX : Immediately remove the erroneous late payment entry from my consumer credit report. Investigate this matter and correct any other inaccuracies related to my credit report. Provide written confirmation that the disputed item has been removed and the appropriate corrections have been made.
Product: Mortgage

On XX/XX/2019 I began the 'Recasting '' process with Lakeview Loan Servicing Attn : Consumer Solutions Department XXXX XXXX XXXX XXXX XXXX, VA XXXX by requesting their procedures, after waiting 2 weeks for a response I called them. After 3 more weeks they sent me the wrong paperwork & I had to start all over again. In the meantime on XX/XX/19 they instructed me to wire the funds which I did, {$90000.00} for the recast plus the {$300.00} processing fee. When I finally got the correct documentation via email I signed & had notarized the documents and emailed them back to XXXX. I received no confirmation from them of any kind not for the wire & not for the documents, so of course I called to confirm & they received everything. I then spoke to a Supervisor who assured me she would expedite this process & promised it would be completed by XX/XX/19 the 60 days they say it takes to complete. Here it is XX/XX/19, I called again to find out what's going on & I am told they are sending me more documents to sign & notarize as of XX/XX/19!!!!! I know have been on hold for a Supervisor for over 1 hour, I have had enough of this runaround & would like someone to investigate this company for possible fraud & at the very least LACK OF & NO CUSTOMER SERVICE.
Product: Credit card or prepaid card

I need cfpb to pay attention and stop banks credit cards from rip off consumers The issues is from last XXXX of 2020 I purchased clothing and did not received so I called the merchant they didnt werent to do anything about it So I called navy federaXXXX and filed a dispute After waisting tune of hours being on hold and explain They only gave me partial credit why??? 

Now they are accusing me of fraud They want me to go to postal office and find the package Then they want me to show proof of the item I didnt receive They taking the merchant over me Merchant said its been delivered It didnt delivered to me Federal navy is 1-wrongly accuse me of fraud 2- discrimination 3- try to scare and intimidate me What permits them to ask me such stupid request To go to postal office and find the package Are they XXXX out of their mind they are so cowered and XXXX Postal office do not keep their tracking after its been delivered Navy federal acted and left a discriminatory note on my account not to resolve my issues Thats why they are sending me off goose chase Taking the merchant over me Want me to go to post office and look for the package
Product: Debt collection

on file it says creditor can not locate individual, this is not my account I do not owe them
Product: Mortgage

Per my initial CFPB COMPLAINT XXXX, Rushmore Loan Management Services continues to insist that my mortgage payment for XX/XX/XXXX was not received, even with a confirmation # XXXX & FURTHER proof from their own online portal! 
Ive attached all required documentation for review and REIMBURSEMENT!!! 

This company has completed taken advantage of the fact that I am XXXX, and has an absolute nightmare to deal with since my loan was sold over in XXXX by my previous mortgage company ( XXXX XXXX )!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of fraud/ Identity Theft. These Inquiries are not mine. XXXX XXXXXXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, and XXXX XX/XX/2023.
Product: Money transfer, virtual currency, or money service

Hello, On XX/XX/XXXX I purchased a game system off XXXX for {$230.00} using XXXX. The seller cancelled the shipment and I received my refund on XX/XX/XXXX. The refund took a lot longer than expected but all was well. On XX/XX/XXXX XXXX charged me {$230.00} with the description " refund complete ''. It did not take money off my linked card number but my XXXX has a sitting negative balance. I received a letter early XXXX around the XXXX from " XXXX XXXX '' claiming I owe them {$230.00}. Is this company trying to scam me? Help me solve this issue. XXXX sends me through automated emails.
Product: Credit card

XXXX XXXX,2024 I received a statement of {$180.00}. This balance is made up entirely of fees and interest. On XX/XX/XXXX call, I worked with a customer service agent in the XXXX who confirm the balance would be reduced to XXXX. have been trying to communicate their error since XXXX XXXX, 2024, statement with a balance totaling {$3.00}. I had to request my account be closed in XXXX XXXX,2024, out of frustration due to MACYs agents in the XXXX were unable to understand issue due to a language barrier. Today I opened XX/XX/XXXX statement with a balance of {$230.00}. I need CFPB to help convey the message that Macys can not change fees on fees and interest on fees. What do customers less able to advocate for their situations due? Macys shows only predatorial behavior aimed to ruin credit ratings on those who are in good standing.

I appreciate your advocacy in this case.

Respectfully submitted, XXXX XXXX MACYs closed account number XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report from XXXX XXXX and XXXX and it shows several student loans, but the problem is the loans are the same exact loans they just switched servicing companies so only one company should be reporting the loan not both. They have the same exact open dates, same amounts and same late months it's hitting twice.
Product: Money transfer, virtual currency, or money service

I was trying to receive money from someone out of state, and created a venmo account. Immediately I wasn't able to withdraw funds to my debot card linked, and after trying a couple times, I tried sending a dollar to someone to see if I could do that, a d also bought a small amount of crypto trying to figure out how to get my money off. That's when they froze my account until I could verify my identity, which they claimed was blurry at first. A couple weeks later I asked them if I could retry, when told it was blurry etc the first time. After asking multiple times, I get a response saying my account is permanently disabled and funds would be frozen 180 days. And would notify me if I can receive my funds that are locked on there. It's literally only XXXX $ but right now it's all I have and bills coming up, thank you for your time, and thos all happened within the past month, the last part just the last day or two. Now online I'm seeing so many the same exact complaints, I just would like my money or to know a valid reason as to why.
Product: Credit reporting, credit repair services, or other personal consumer reports

status of my account is showing that it was written off for {$610.00} dollars and the account was paid in full and the status is not showing paid in full on my credit report
Product: Bank account or service

Bank of America inconsistently deducts monthly maintenance fees from my checking account on arbitrary days. I attempted to discuss and resolve this issue with them today ; however, they could not provide any logical explanation as to why this date varies from month to month. This inconsistency creates a financial burden, impacts my budget and makes it difficult to keep my account balanced.
Product: Credit reporting, credit repair services, 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 Account Number : XXXX, Account name XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX, Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account Number : XXXX, Account name : XXXX  XXXX Account Number XXXX XXXX, Account name : XXXX  XXXX Account Number : XXXX XXXX Account name : XXXX  XXXX Account Number : XXXX XXXX Account name : XXXX  XXXX Account Number : XXXX, Account XXXX : XXXX  XXXX Account Number : XXXX, Account XXXX XXXX XXXX  XXXX Account Number : XXXX, Account name XXXX XXXX XXXX Account Number : XXXX, Account name : XXXX XXXX Account Number : XXXX, Account name : XXXX  XXXX Account Number : XXXX, Account name : XXXX  XXXX Account XXXX : XXXX, has violated my rights. 
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: Checking or savings account

Trying to use   XXXX   XXXX   and the amount of money in my bank account does n't accurately show. I bank thought capital  one 360 ch ecking
Product: Money transfer, virtual currency, or money service

Between XX/XX/2020 - XX/XX/2020. Six fraud unauthorized transfers were made, a total of {$7500.00}. I had no idea money was taken due to the fact, I received the card the first week of XXXX of 2020. I contacted bank of America, not immediately. Because, I had no idea that money was taken. I found out when XXXX notified me in XX/XX/2020 by email that I had exhausted all funds.. 
I immediately called XXXX. They told me over the phone I had too contact BOA. I have spent numerous hours and always the same response. Have too wait. 
BANK OF AMERICA HAS BEEN BLAMING XXXX. The representative 's for BOA give me the same response, " Have u contacted your sponsor ''. I HAVE CONTACTED THE XXXX XXXX XXXX AND I HAVE THE ATTACHMENTS. I ALSO HAVE ALL THE ATTACHMENTS FROM BANK OF AMERICA Stating..acct closed acct frozen acct reopen acct denied acct resolved as transaction was legitimate. IF I WANTED ANY TYPE OF COPIES for the evidence that they had THAT IT WOULD BE SUBMITTED TO ME AND I HAVE BEEN WAITING SINCE XX/XX/XXXX AND THEY JUST KEEP ON GIVING ME THE RUNAROUND.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not the first time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

On XX/XX/2020, I immediately applied for line of credit, PPP, sba loans, grants and any money I could access since I had to close my XXXX XXXX   of 15 years, I hoped for only a few months. I help consignors, communities, XXXX patients, elderly, battered women, children shelters and the Endangered monarch butterflies showing and assisting women how they can start over in life. I have received NO help whatsoever. Please, someone help us. Please.
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 : XXXXXXXX XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX : Balance : {$6500.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX : Balance : {$1400.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$350.00} Account Name : XXXX : Account Number XXXX XXXX : Balance : {$240.00} Account Name : XXXX : Account Number : XXXX : Balance : {$630.00} Account Name : XXXX : Account Number : XXXX : Balance : {$1800.00} Account Name : XXXX XXXX : Account Number:XXXX  : Balance : {$1200.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 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: Credit reporting or other personal consumer reports

On XX/XX/XXXX there was an inquiry added to my consumer report from NAVY FEDERAL CREDIT UNION. I did not authorize this. I requested multiple times from XXXX and NAVY FEDERAL CREDIT UNION to coordinate and remove the inaccuracy off my report to access the situation. It is XX/XX/XXXX and it's still reporting on my report. It is causing my harm by reporting this inaccurate information. According to 15 usc 1681 - " congressional findings and statement of purpose '' You are in violation of this law please remove immediately.
Product: Debt collection

California Business Bureau reported on my credit report that I owe them XXXX dollars. I never received anything from them to even acknowledge the debt. Ive never had any dealings with the company
Product: Checking or savings account

Wells Fargo, and its subsidiary, Wells Fargo Bank , N.A . has prematurely charge our business account with overdraft fees consistently. Moreover, the Bank 's employee months from the account being opened a Wells Fargo employee criminally breached the account opening account in the names of its business using the business account and account owner 's personal information. without the business account owner 's knowledge or consent. Violating CFPB sections [ d ] 1031 and 1036 ( a ) ( 1 ) ( B ) of the Consumer Financial Protection Act of 2010 ( CFPA ), 12, and possibly more. This has caused our small disadvantaged business financial and repetitional damage to date creating financial instability. Additionally, just to note that the original complaint in the matter somehow mysteriously disappeared, and a new one was established case # XXXX which would prolong investigations further while the business waits to be made whole from the damages, and suffers further financially.
Product: Debt collection

Recievables solutions put a collection on my credit report after it was already deleted. On XXXX/XXXX/XXXX a collection with Receivables Solution was deleted off of my XXXX report. On XXXX/XXXX/XXXX I got an alert from XXXX stating that a new collection was added to my report by this company. This is reporting with a new date aw well as it 's reporting past due. The date for XXXX was XXXX for {$33.00}. I have no knowledge of this account, they have placed this on my report with no contact by ... mail or phone. I do not owe them this debt. This company has never reported this collection on any other credit reports only XXXX and it was proven that they could not verify account as was deleted now they have added it to other reports. I have documentation from XXXX stating that the account was deleted!!
Product: Credit reporting or other personal consumer reports

The account on my consumer report is inaccurately showing it to be a charge off but shows the balance of {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

During the 2015 XXXX holiday I closed my savings and checking account at Bank Santander located on XXXX XXXX XXXX XXXX, in XXXX, Pa., phone number, ( XXXX ). Branch number XXXX. 
I received an official Bank Check for {$23000.00}. XXXX and mailed it on XXXX XXXX, 2015 to my XXXX XXXX Bank account and put on the back of the check for deposit only in my account and listed my account number. The check was never received by XXXX XXXX and is lost. I call Bank Santander and requested a stop payment on XXXX XXXX, 2015 Banks XXXX said the wo n't stop payment for 90 days. The bank officials say if I want a stop payment sooner I have to agree that they are not responsible for the money. They want me to obtain a surety bond too. I 've call 3 times and the bank refused to put a stop payment sooner than the 90 days. I asked the bank on what date will they put a stop payment on the check and I was told by XXXX XXXX who works at the bank that she did n't know, that she would have to get back to me with that information. 
Best Regards XXXX XXXX cell phone XXXX
Product: Credit card

I am seeking your help to investigate accounts from companies reporting late payments inaccurately. Upon reviewing my credit report, I discovered specific accounts marked with late payments, which is incorrect. There should be no late payment records on these accounts.
Product: Debt collection

Incurred debt to Identity. Contacted National Credit Systems. Person handling account was rude. Spoke with Supervisor she assured she would send me a Fraud Packet I never received it. Due to me needing to move paid the account on XXXX/XXXX/2015 and XXXX/XXXX/2015 and yet they fail to update my credit report. 

Even after a recent dispute in XX/XX/XXXX they are reporting it to XXXX for Residents, XXXX, XXXX and XXXX. I will be contatcting the property as well in regards to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX