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

I sent {$400.00} to someone through XXXX by XXXX on Sunday, XX/XX/2018. The email the money was sent to is XXXX. This persons phone number is XXXX. Maybe an hour or so later that same night I realized my mistakeI didnt not want to send this person $ XXXXand requested they refund me the money back. They told me in writing they would refund me my money by Wednesday, XX/XX/2018 and did not do so. Ive come into contact with numerous other people who have been scammed out of money when trying to buy concert tickets by this same person. All of us ( including myself ) who have contacted our banks have gotten the same responsetheres nothing they can do about it. My bank is Chase. If theres any way this person who scammed me and so many others out of hundred of dollars can be tracked down and held accountable that would be amazing but Ive quickly lost all faith in XXXX and the banks that support it. All I want is a refund of my {$400.00}. I realize its not Chases fault, but at the same time I feel I was mislead in regards to the nature of XXXX and the utter lack of protection associated. As a result, I am strongly considering withdrawing what little money I have left and leaving Chase Bank. Im very upset about this entire situation and just want a little bit of justice. The lesson Im taking from this terrible experience : never use XXXX, especially if the recipient of your money is not personally known.
Product: Mortgage

iam disgusted why the CFPB have not requested from me my proof of paymant XXXX forms of proof no 1 XXXX paymants, no 2 international wire transaction no 3 cashed into wells fargo bank mortgage acount name XXXX { CASHED } acount in credit in excess {$8000.00} at the piont of refusal of monthly paymant saying acount closed in forclosure? Why have you not protected me against this fraudulent forclosure act, fraud and perjury committed by wells fargo bank [ mortgages ] you are not a consumer protection bureau
Product: Debt collection

This account was paid and removed twice already yet it 's been placed back on my XXXX report. This account needs to be removed for the third time and permanently.
Product: Vehicle loan or lease

Ally bank offered a up to ten day deferred payment plan two months after I took the loan some 63 months ago. I accepted their deferred payment every month from the XXXX  of the month to the XXXX of each month. They automatically draw out the payment on the XXXX. To date there has never been a missed payment on this 75 month loan. Now every month the state on the XXXX of the month Im past due. Im not when they auto draft my payment on the XXXX. If this was the case why offer a ten day deferred payment. I have contacted them on numerous occasions throughout this loan to tell them to stop stating Im late when they set up this program. Today I argued with three different people. The payment will come out tonight as it always has done for the last 63 payments. I am tired of hearing Im in default when I am not. The second person spoken to stated that there is no delinquent payments in my history. None! This is what I get for paying on time every month and adhering to their offer and contract. The original date was the XXXX  of each month then why dont they auto draft it on that date. I want an apology and a credit score increase. The argument is easy on my part they breeched the contract. Not me. In fact I will on request supply all bank records at your request of XXXX XXXX payments and emails from ALLY saying two days after payment has been made thanking me for my on time payment. Enough is enough! Thank you for your time. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of hard inquiries and negative items listed on my credit report by the Fair Credit Reporting Act, specifically 15 USC 1681. Upon reviewing my credit report, I have identified several hard inquiries and negative items that I believe are either inaccurate or incomplete. Under the Fair Credit Reporting Act, I have the right to dispute any information that does not meet the legal standards for accuracy. I kindly request that you investigate these inquiries and negative items and remove them from my credit report if they are unverifiable or otherwise inaccurate. Please provide me with written confirmation of your findings and any actions taken regarding my request. Your prompt attention to this matter is greatly appreciated. Thank you for your cooperation. Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX ; XXXX and writing you today as an aggrieved man. I pulled my credit report with Equifax and there are many fraudulent, unauthorized items on my report. Ive notified Equifax that my identity was stolen, and fraud perpetrated upon me. I did not apply for credit anywhere at any time. Yet there are 6 Hard inquires on my report. I never applied or authorized an application for credit with XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX/XXXX, XXXX/XXXX, XXXX-XXXX, XXXX XXXX. I repeat I did not authorize anyone at any time to apply for credit in my name. I demand these fraudulent inquires be removed from my Equifax report immediately. I also have reported to Equifax many times I have never had a school loan with XXXX College. This fraudulent account has been disputed and removed from every credit report but Equifax. If Equifax does not remove this fraudulent account from my report, I will be filing an action against them in federal court!
Product: Credit card

Good afternoon, I am reaching out because I have had a really challenging time with Capital One recently when attempting to redeem rewards. Here is the background On XX/XX/XXXX, I went online to request to redeem rewards ( I believe it was XXXX miles ) for a {$100.00} XXXX gift card. I never received the gift card. I made five calls to Captial One regarding this issue with no resolution. In fact, I heard different things from each person I spoke with. 

The first call was on XX/XX/XXXX and I was told the card was sent to me. I checked all email and spam and confirmed I did not receive it. I was told they would investigate and have a resolution within 12-14 business days. I called again on XX/XX/XXXX and was told I needed to call a third part- XXXX XXXX XXXX. They told me they would also investigate, and they gave me a reference number XXXX. I called Capital One on XX/XX/XXXX and they created another case XXXX and said this would be resolved by issuing another card. I called on XX/XX/XXXX and was given another case number XXXX. At that point, I just asked for the miles to be given back. On XX/XX/XXXX, I received a secure email from Capital One saying there was information regarding this issue and I should call them. I called today XX/XX/XXXX. Spoke with another person who said we sent your card via email on XX/XX/XXXX. 

I would like to have the miles returned or received the gift card.
Product: Debt collection

To whom it may concern, I pulled my credit report and found this account with your companys information on my file : Account Name ENHANCED RECOVERY CO L Account Number XXXX This account does not belong to me and I need it to be removed off of my credit report ASAP. According to the FCRA Section 605 ( b ), any fraudulent accounts that are on my credit report must be removed off of there within 4 business days. I have also attached my identity theft report as well. Please resolve this issue in a timely matter. Thank you
Product: Student loan

In XX/XX/XXXX my husband enrolled in Rate Reduction Program at Sallie Mae. On XX/XX/XXXX ( company sold loan to Navient ) enrolled in what we thought was a similar program with Navient. We understood the program to be Extended Payment Option extended out 15 years with permanent payment of XXXX. We renewed again in XX/XX/XXXX with another rep. in XX/XX/XXXX. In XX/XX/XXXX told by a rep that the payments were extended out 24.5 years to the year XX/XX/XXXX. This outraged me, because I never have been so duped. Found out recently that Navient promissory note reads that Monthly Variable Interest Rate Option repayment period is 20 years. We've been paying 17 years. We never agreed to 24.5 more years extended out. I would like to hear the phone conversations of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( year XX/XX/XXXX ) with the rep XXXX from Navient. 
I've been told there is no discharge of loans for the cosigner. My husband is XXXX XXXX   and in XXXX XXXX with XXXX XXXX. I have ask the rep for what happens after my husband dies with the loans. He has paid well over the amount initially owed. He's paid $ XXXX on an original loan of XXXX. He still owes XXXX. He's been paying 17 years. 
Please advise. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$880.00} My social security number has been compromised and used as collateral BY XXXX XXXX XXXX and XXXX XXXX Please help me by deleting any negative items off my credit In accordance with the FCRA 15 U.S.C 1681 Section 602 A states I have the right to privacy.
Product: Bank account or service

My father died XX/XX/XXXX and is survived by my mother. My parents have joint savings account with Capital One Bank ; this is their only source of liquid funds. My mother XXXX and has XXXX. My parents intended that I handle their business affairs when they were unable to do so, and gave me a [ dual ] durable power-of-attorney prior to my fathers death. Mother is unable to deal with her own business affairs. To be able to pay for her ongoing living and medical expenses, I submitted a copy of the dual POA to Capital ONe Bank in addition to another legal form they requested on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I called Cap One to check on status of the documents I had sent. I was told by rep that the POA was confusing and needed more specific workding but he could not tell what wording was needed. I called back [ XXXX/XXXX/XXXX ] and talked to rep to get clarification ; he referred me to rep [ manager ] and I was told that the POA was not acceptable but they could not tell me what workding or format would be acceptable. Over the next week, I drove to my mothers residence [ XXXX miles away ] and took her to our attorney. A new POA was completed that stipulated clearly that my mother gave me POAover all of her affairs including the ability to manage her ' ... assets, liabilities, and business affairs ... ''. On XXXX/XXXX/XXXX, I sent Cap One the new POA and the death certiificate as requested by the customer service representatives. I requested something in writing from Cap One to confirm they had received the documents. I did not receive a confirmation. On XXXX/XXXX/XXXX, I called Cap One to check status of POA ; I was told it was in the legal department, in process and nothing can be done to speed the process. I emphasized the time critical nature of this [ both verbally & writing ]. On XXXX/XXXX/XXXX, I called Cap One again to check the status of the POA. I was told it was still in process but I should hear something in the next two days. On XXXX/XXXX/XXXX, I sent a letter to the CEO of Cap One expressing my frustration and asking for his help to expedite the process. On XXXX/XXXX/XXXX, I received a call from Cap One Corp office asking me to call back. On XXXX/XXXX/XXXX, I called the corp office and I was told they had never received the documents I sent on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I resent the documents via email attachment and the corp office confirmed that they received them and ghe documents were being reviewed by the legal team. On XXXX/XXXX/XXXX, Cap One called to tell me the POA documents were unacceptable. I asked what wording or format would be acceptable and I was told they could not give legal advice but that some workding more specific to having authority to do banking might help.
Product: Credit card or prepaid card

I bought a merchandise from Lord and Taylor website on XX/XX/XXXX for a fathers day present for an amount of {$110.00} utilizing my Lord and Taylor credit card. The items were scheduled to be delivered on XX/XX/XXXX at my residence. I received a test message that the items had been delivered on Friday XX/XX/XXXX at around XXXX XXXX  which i did not received because I was home and there was no package delivered. I filed a complaint to Lord and Taylor customers service that the items indicated as delivered had not been received. I was given a reference number and the store will investigate after 21 days which i agreed. I also filed a complaint with US postal service as delivery system for the undelivered items. The 21 business days elapsed and Lord and Taylor has not done anything about my items but have gone ahead and charged my store account to the amount purchased. I called several times to no avail and finally contacted their credit card services to dispute the charges on my store credit card because of the undelivered items charged to my account. The credit card services is also indicating that it would have to send my dispute to the store for another investigation which i feel the store is just tossing me around. I do not want it to affect my credit which I really worked hard for it. I am asking your assistance in resolving the issue. thanks
Product: Checking or savings account

RE : Wells Fargo Class Action Suit. I was contacted by 3rd party handling the settlements, I was not satisfied with the settlement amount and faxed over a Mediation request per their instructions. I have heard nothing from them in response. I attached a letter addressing my concerns to the Mediation form, it explained Wells Fargo 's inability to correctly identify charges to my checking account for an unauthorized enrollment in an insurance program for a period of 12 years, the dates of enrollment they came up with was provided to them from a 3rd party which they were unable to explain how the dates were identified and what products they were for nor were they able to identify the 3rd party involved. Wells Fargo was not able to accurately identify anything about the charges on my account nor did they seem to be aware that I tried several times over several years to get them to stop the charges, all the while dealing with personal turmoil that demanded my full attention. I have the letter and the Mediation form along with my bank statements for the period in question, yet Wells Fargo has been unable to accurately identify the charges, the products, or the 3rd party involved in these charges to my account. Their processes are not credible and they have not responded to my request for payment.
Product: Checking or savings account

My debit card was stolen while I was in the hospital and unauthorized charges were made. Direct Express by their own rules are to provide provisional funds to my account while an ongoing investigation. I called Monday and was told I was denied, there is no way Direct Express conducted a thorough investigation in only a few day 's. It's very clear, my card was stolen as indicated in the documents I submitted. This is one of the greatest problems with Direct Express, there is no accountability
Product: Mortgage

I received a document from XXXX dated XX/XX/2020 in regards to a forbearance plan that was offered because of the covid-19 pandemic. My issue with this document was the fact that it also included my name and my ex husband 's name which in about a year ago I had submitted to XXXX a divorce decree and a quick to claim deed. My borrower is not worried that my ex-husband is still included on paperwork where he doesn't reside and he has no claim to my property. When I call the first time about it on XX/XX/XXXX they had transferred me and when I try to get back through I could not get through to anybody at customer service when I try by the morning of XX/XX/XXXX the gentleman I spoke to basically told me I was worried for nothing and that it wasn't important if his name was or was not on my paperwork.
Product: Credit card or prepaid card

" Customer Support Team On Tue, XXXX XXXX at XXXX XXXX, XXXX XXXX XXXX wrote XXXX Over charge for unwanted accessories. Forced accessories that I did not agree to buy. I was told that the accessories for free for upgrading my phone. I spoke with XXXX XXXX XXXX employee who stated that I would be charged the same amount. XXXX also aged that I could not get a refund. I was never informed of all the extra charges nor did I agree to the extra charges. '' Email sent to XXXX. 

I returned to the business the following day. ( XX/XX/XXXX ). I spoke with the employees ( XXXX and XXXX ) and the district manager by phone while at the store. The manager offered an apology and stated the employee would be reprimanded. I explained to them the transaction was fraudulent. Returning all unauthorized and unwanted accessories. 

At that time No manager was in the store to fix the transaction. The manager explained that XXXX would be updated and the amount financed as well as the payment amount would change. I also disputed the charges with Capital One. 

My credit card was charged on XX/XX/XXXX. I contacted XXXX on XX/XX/XXXX when I noticed the charges. The customer service employee stated XXXX knew nothing of the changes as well as didn't have correct contact information on file sent from the XXXX store. The XXXX employee stated they would call the store and followup and address the issue. 

I contacted Capital One again on XX/XX/XXXX. The customer service employee in the disputes department stated that there was nothing they could do about the situation. 

Today XX/XX/XXXX at XXXX XXXX  when I returned home from out of state. I called to followup with XXXX and spoke with an employee who gave the name " XXXX ''. The employee stated she had no information and refused to give me her managers name or information. The employee then laughed at hung up the phone on me. I called directly back at XXXX XXXX and the employee told me to call the " XXXX '' store because the manager may be at that store. When I asked for the phone number for the XXXX store the employee told me to " XXXX  it '', then she hug up the phone. 

I called Capital one to followup as well as XXXX  today XX/XX/XXXX to followup on this complaint and fraudulent transaction. No one can provide any information at this time. I was told by XXXX that an investigation was in process. 

I have contacted my credit card company to explain that these are fraudulent and unauthorized charges and they are not listening to me nor resolving the issue. When i contacted Capital One today XX/XX/XXXX at XXXX XXXX  I was told a letter was mailed with the finding in regards to the charges. I have not received any correspondence about the charges from the credit card company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw an unauthorized hard inquiry on my Experian credit report on XXXX XX/XX/2022. I contacted Experian the same day to dispute the inquiry. After being transferred from one person to another, the final person I talked to twisted my words and tried their best to not to understand the issue, when the issue is so simple! I want to dispute an unauthorized hard inquiry. 

They asked me to reach out to the lender for questions about my application. I said I did not even apply for anything, which was why I needed to file a dispute for unauthorized credit inquiry. Then they said if I didnt apply for anything why was I calling. (? ) And their irrational arguments go on. 

The unauthorized inquiry I found out was actually someone using my info to apply for a credit card, and not a loan, with a bank, without my knowledge. The Experian person didnt even bother to look at my file. They just kept throwing words out there like what loan did you apply for, whos the lender, etc. After 20 minutes of practically yelling at me, they hung up.
Product: Debt collection

Collection Agency is using false and misleading information to collections for students loan which is more than 20 years old.
Product: Credit reporting, credit repair services, 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 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 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 an 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

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

i had my capital one secured card since about 2015. I was late one payment one time due to an accident. Due to someone using my card in another country i had to cancel my card that was attached to it for payments and get a new card. I had forgotten i already had an automatic payment scheduled and they tried to take payment twice. It failed and they closed my account without even telling me tranactions failed the first time or even the second. i called them but no to avail they would not budge i also sent a reconsideration letter because i didn't want another hit from them on my report. So now i have a closed account just sitting on my report, they claim a failed payment is fraud and thats why it was closed. i have asked for reconsiderations but nothing.