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

In XXXX  XXXX I start an international wire transfer form Citizens bank to XXXX XXXX XXXXXXXX. The wire transfers was blocked by XXXX though XXXX XXXX XXXXXXXX. I start to apply for a license an its being approved in XXXX. In The following two months I start to contract with Citizens and they did not provide me any useful instructions and telling me to contact XXXX and XXXXXXXX XXXX  telling me they were just middle bank. XXXX telling me to provide the license directly to Bank. If the bank has any problems after providing the license. XXXX encourages financial institutions directly contact them.
Product: Credit card or prepaid card

The website on the back of the card that the bank tries to get us to use to activate and check balances is constantly down. It has been unreachable since I've had the card. When you call to report this issue you get an outsourced untrained useless rep. 

This has been a long standing problem with this bank as there are dozens of complaints about it all over the internet for years
Product: Checking or savings account

Navy federal charged me overdraft fees that I was unaware of
Product: Checking or savings account

TD bank has wrongfully stolen {$730.00} from me. They ignore my many emails and phone calls and have now closed my case despite providing no help or answers. An agent of theirs signed me up for the wrong overdraft protection services in early XXXX. I noticed late XXXX, contacted td, and everything was refunded and fine. The agent was very kind, helpful, and owned the mistake. I went to a td bank location on XXXX XXXX in XXXX to sign up for the correct program and confirmed I signed up. They deny that I was ever there, despite the fact that I have text messages proving I was there, provided by my boyfriend, who dropped me off there. I, thinking I was safe from overdrafting, spent money without realizing I was being charged hundreds of dollars in overdraft fees daily. ( I work a very hectic job and dont always have access to my online banking, so I was very confident in TDs overdraft program that pulls money from your savings into your checking ) I had more than enough money in my checking to cover the small expenses incurred throughout the few weeks I was being charged, and was sometimes even charged overdraft fees when my account was positive ( XX/XX/XXXX, XXXX, and XX/XX/XXXX ) I can not live without the money they have stolen from me. XXXX and XXXX, the managers handling my case, have been reflective, unhelpful, and rude. While the first agent fully acknowledged TDs mistake, these women are flat out lying. I work a lot and my hours conflict with TDs and can be really unpredictable this time of year. Im disappointed and feel wronged, to say the least. Id like to close my accounts, but obviously dont want to until I get my money back. XXXX rudely suggested I come in since tds hours are very convenient but, ironically, Ive had to work almost every day the last month because I have to pay late fees for bills and catch up on rent. 

Id like my money back ASAP before I take this to small claims. 

Note from the images below XXXX has not once tried to contact me, but was CCd on every email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of these 2 accounts that Portfolio Recovery is reporting that were opened fraudulently. I received notifications in the mail that they were open, but they do not and never have belonged to me. I want them off of my credit report.
Product: Debt collection

Account info Account name XXXX XXXX  Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$12.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$12000.00} Balance updated XX/XX/XXXX Account info Account name XXXX XXXX  XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XXXX XXXX Balance {$530.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$4700.00} Balance updated XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Note Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$3.00}, XXXX written off. 
Status updated XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Closed. 
Status updated XXXX XXXX XXXX {$0.00} XXXX updated XX/XX/XXXX
Product: Debt collection

I have contacted this company over the years about this debt asking them to prove this account belongs to me never send a letter verifying this is my account also sold this account to another lender send request in XX/XX/XXXX 2021.these are the requested items from company 1.original contract with my signature 2.payoff disclosure 3.interest 4.balance history 5.payment history 6.credit insurance Never received this information
Product: Credit reporting or other personal consumer reports

This is a formal complaint that Credit Bureaus ignored my previous request and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. I am fully aware that credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.
Product: Credit card

This account has been about XXXX yrs old I had contacted this company so many times regarding this account I had stated that I can only account for about or near {$1000.00} of it which I had paid to try to keep my credit score ok However Best buy continue to overlook this and continue to send me high balances and interests I has explained that I did a identity theft over a yr plus ago because someone had gotten my information and took me for a lot but best buy continue to send me monthly bills demanding {$700.00} a month for a minimum payment.they has a balance of {$3500.00} which to me seems to be majority interest I am a senior citizen on a fixed income no way I could afford to pay this kind of money for stuff I didn't purchase this is totally unfair were living in times where scamming seems to be the norm and we have to suffer to fix something we didn't break it's not right I try to give something because it's my name & credit being damaged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a FTC dispute letter and proof of identity to XXXX Equifax and XXXX on XX/XX/2022, they received this information on XX/XX/2022 and I have yet to be informed about the status of the accounts in question. According to the FCRA these fraudulent accounts should have been removed from my credit report within 4 business days and I actually allowed them 5. The accounts are as follows XXXX XXXX {$0.00} Balance, XXXX  XXXX  {$0.00}, DEPT OF EDXXXX {$4500.00}, DEPT/ED XXXX {$8100.00} XXXX DEPT/ED XXXX {$2900.00} XXXX Included below is my FTC Report, Dispute letter to each bureau and the method I sent it, over night for XXXX and XXXX and via fax for Equifax
Product: Student loan

Hi I am writing because I was contacted by a company that claimed they helped people with high student loans. The account person told me she would get my loan lowered to XXXX a month. She asked me to sign document and asked me to say my husband was a homemaker. After all that I was transferred to a " verifier '' who told me starting in XX/XX/XXXX I would be paying Mentor/equitable trust XXXX a month. I questioned the charge and said I was never told that and did not agree to this. At this point I knew something was wrong. I Stated I did n't agree hung up and called my loan service ER. They explained to me this was a scam to get XXXX a month and everything this company was supposedly going to do can be done for free. I sent email immediately saying I do n't want this ... Sure enough they have called me multiple times a day threatening me saying I signed a legal contract.
Product: Student loan

On XX/XX/XXXXXXXX  I submitted a PLSF form so the Department of Education could verify I was employed at XXXX XXXX XXXX  which is a qualifying employer for PLSF loan forgiveness. On XX/XX/XXXXXXXX  I electronically submitted my IRS tax transcripts for all years that I was employed at XXXX XXXX XXXX  which from XXXX. I also faxed and mailed copies of my IRS transcripts to the Department of Education. 

To date the Department of Education has not calculated my qualifying payments for PLSF while during the time period XXXX. I have reached out by telephone and by chat on several occasions and the issue has not been resolved. 

XXXX XXXX XXXX  ceased operations and permanently closed in XXXX. I am requesting the Department of Education review my IRS transcripts for the time periods I was employed at XXXX XXXX XXXX  and correctly apply all loan payments and eligible payments that were in forbearance and/or deferment to my PLSF payment count.
Product: Credit reporting

On XX/XX/2017 I sent all XXXX credit bureau letters to verified or removed items from my report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Its 30 days later and still have n't got any response.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Checking or savings account

To Whom It May Concern : In XX/XX/XXXX, {$600.00} was taken out of my checking account via XXXX XXXX by an unknown person ( fraud ) and made it look like I sent the {$600.00}. I filed a complaint with both XXXXXXXX XXXX and Bank of America. 

I was told via email by XXXX XXXX ( XX/XX/XXXX ) they would not be able to refund me the {$600.00} because the unknown person ( fraud ) had deposited the money into their account. 

I was told by Bank of America ( XX/XX/XXXX ) they would not be able to refund me the {$600.00} because XXXXXXXX XXXX provided information stating I use XXXX XXXX  frequently. 

I know for a fact I did not send {$600.00} to the unknown person ( fraud ) and I do not know the unknown person ( fraud ). 

I want my stolen {$600.00} back in my account because it was fraud, someone did hack into my XXXX XXXX  account, and I did not send the unknown person {$600.00}.
Product: Credit reporting or other personal consumer reports

1 ) Date of Fraudulent Activity : XX/XX/2024 Incident Type : FRAUDULENT/UNAUTHORIZED INQUIRY Business Name : XXXX XXXX Reporting Agency : XXXX  2 ) Date of Fraudulent Activity : XX/XX/2024 Incident Type : FRAUDULENT/UNAUTHORIZED INQUIRY Business Name : XXXX XXXX Reporting Agency : XXXX  3 ) Date of Incident : XX/XX/2024 Incident Type : FRAUDULENT/UNAUTHORIZED INQUIRY Business Name : XXXX XXXX XXXX Reporting Agency : XXXX  4 ) Date of Incident : XX/XX/2024 Incident Type : FRAUDULENT/UNAUTHORIZED INQUIRY Business Name : XXXX XXXX XXXX XXXX Reporting Agency : EQUIFAX
Product: Credit reporting or other personal consumer reports

I do not have this on my other credit report I have sent Transunion a police report an a letter from bankruptcy several times requesting this be remove from my credit XXXX nor XXXX do not have to on my report just Transunion an I just want it remove as soon as possible
Product: Mortgage

Specialized Loan Servicing, XXXX ( XXXX ) has a XXXX XXXXe on my home XXXX XXXX XXXX XXXX CA XXXX and was XXXX in XXXX XXXX  XXXX on XX/XX/XXXX. XXXX, XXXX was included in the XXXX and the debt was XXXX with the XXXX. XXXX, XXXX. I have made XXXX aware of this and they have ignored the information I have tried to share with them and have proceeded to move forward with the foreclosure process. I need assistance to have this process stopped. XXXX will not listen to me when I try to talk them. I am XXXX XXXX XXXX and can not afford to lose my home. I made every payment on time on my first mortgage since XXXX. I have reached out to XXXX XXXX with my first mortgage in XX/XX/XXXX to try to refi my XXXX mortgage into the XXXX loan to stop the foreclosure process and buy myself more time to get a lawyer to get SLS to listen to me and look at the documents I have showing that the debt was charged off and discharge in XX/XX/XXXX. My XXXX XXXX XXXX XXXX XXXX started my refi in XXXX and strung me along telling me that the loan is almost finished and just need XXXX more step in underwriting to go and will be signing docs soon. On XX/XX/XXXX XXXX XXXX loan XXXX informed me that he could not complete my loan as promised. The loan agent with XXXX XXXX informed me that I do not need to make mortgage payments for XXXX and XXXX because those payments will be wrapped up in the new loan. Luckily at the XXXX hour on XX/XX/XXXX I had a terrible feeling that i needed to make a payment so I did. Kept my flawless payment record with my mortgage company although I had been given the wrong advise. PLEASE HELP ME KEEP MY HOME
Product: Credit card or prepaid card

Bank of America is reporting a wrong balance and a wrong status for this account. Try to contact them but no success.
Product: Debt collection

XX/XX/XXXX - Submitted dispute with XXXX and requested XXXX XXXX be placed on my credit report after noticing negative credit rating and never having received a bill/statement. 

XX/XX/XXXX - received collection agency statement from XXXX XXXX XXXX XXXX collection agency on behalf of XXXX XXXX in the amounts of {$480.00}, {$290.00}, and {$220.00}. Services were rendered in XXXX and XXXX, TX. I reside in XXXX XXXX, TX. 

XX/XX/XXXX - called XXXX XXXX and filed a dispute. They advised the Social Security XXXX associated with the debt was my SSN. XXXX XXXX requested I file a complaint with local police department and Federal Trade Commission to assist further with fraudulent account. I requested address where services were provided but was informed information can not be disclosed. 

XXXX informed me that the energy services were provided to me in XXXX and XXXX, TX. I have lived in XXXX XXXX, TX for the past 18 years. XXXX did notify me that they do not provide services to the XXXX XXXX area.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THE FOLLOWING FRAUDULENT INQUIRY XXXX XXXX XXXXXX/XX/year>
Product: Bank account or service

I make monthly payments and my balance never decreases. It states $ XXXX goes towards the balance when my payments are $ XXXX.
Product: Debt collection

InXX/XX/XXXX I received a notice from US Bank that I owed money on an account that I did not recognize. I called the number provided ( XXXX ), and they were unable or unwilling to tell me who they worked for, but kept asking for my SSN to verify the alleged account. 

I then received another notice dated XX/XX/XXXX from US Bank alleging an increased amount due for the same alleged account. On XX/XX/XXXX, I took both of these requests to a local branch of US Bank ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ) and met in person with XXXX XXXX. He went on his various systems and verified that based on my photo ID and SSN I have no account with US Bank, past due or otherwise. He then connected me on his internal phone with the US Bank Collections team, and they verified that the alleged account was not associated with me or my wife. 

I have now received a notice datedXX/XX/XXXX, from XXXX XXXX XXXX XXXX alleging a further increased amount due on the same account that US Bank has already verified is not mine or my wife 's.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XX/XX/scrub>/2008 {$340.00} XXXX XXXX XXXX XXXX XX/XX/year>2008 {$0.00} TU XXXX XXXX XXXX XX/XX/scrub>/2008 {$340.00} XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit card

Kindly examine the documents enclosed herein. I request that the bureau initiates an investigation into these accounts, as I have consistently maintained timely payments, yet they are erroneously reported as late.
Product: Credit reporting or other personal consumer reports

The credit reporting agency is improperly reporting to my credit report.
Product: Checking or savings account

Open a XXXX  credit card with XXXX dollars and got XXXX dollars bill that I owed them after I gave them the XXXX dollars for the card so the said I went of my XXXX bucks by XXXX so total they are saying I spent was XXXX dollars
Product: Credit card or prepaid card

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem,
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I was present at Hong Lan Money Transfer, Hong Lan Services , INC. located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX utilizing their international money transfer services. Total of XXXX $ was to be sent to my family overseas, with additional fee of XXXX XXXX The next day XX/XX/2023 the facility/store front was closed and under investigation. We tried contacting the headquarters Hong Lan Services , Inc. at XXXX XXXX XXXX, XXXX XXXX, XXXX, at XXXX. They were unable to help me and suggested that I make a complaint even though the NY, XXXX branch was part of their company.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I received 2 back to back email and text notifications from Wells Fargo bank saying that my debit card was used for a purchase online, by phone, or mail. The first one was for {$730.00} from XXXX and then right after that I get the second email from Wells Fargo bank saying that my card was used again for {$88.00} from XXXX XXXX. I immediately called my bank to file a claim for fraudulent charges. This was my cash that was taken because my debit card was used. The gave me my Mo yea back while they conducted an investigation. I received a letter from the bank about XXXX XXXX months later saying the investigation was complete and they found that the charges were valid. I never made those charges. I was at work at the time and had my debit card i. My wallet were I always keep it. There reason was something about the IP address used to make the purchases. I am not sure how they can determine that. They took the {$820.00} from my bank and have not sent me proof. I have never bought tickets from XXXX because I never go to concerts. I am not sure what else to do. I had no knowledge of this transaction and did. It authorize it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convenient XXXX XXXX bank account 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 also states a consumer reporting agency can not Furnish a account without my written signature or instructions to do so.
Product: Debt collection

On XX/XX/2016, I was informed that XXXX XXXX XXXX XXXX will have ownership of an unjustified debt that they claim I owe them. They never furnished me any documents from the original lender and assignees of the history and proof that they can collect on time-barred debt under the PA Statue of Limitations and FDCPA. 

I forwarded a debt validation within the 30 day period and both companies failed to respond within the time frame allowed under the Fair Debt Collection Practices Act. 

To date, I never contacted nor authorized XXXX XXXX XXXX XXXX nor Specialized Loan Servicing to pursue and force me into foreclosure when they can not fully, accurately, verify the debt in detail and all of the history of the alleged debt accusation. They have informed me via letter that thy are going to proceed with foreclosure actions should I not pay the entire amount owed within 15 days..normally a consumer under the FDCPA is given 30 days. This is another violation. In conclusion I never received a copy of the judgment against me.
Product: Credit card or prepaid card

I made a payment of my full balance with Capital One, after submitting the payment via the on-line system, I then closed my account through my on-line log in. 

The payment of {$1600.00} left my XXXX account the next day, yet a week later Capital One still shows a balance of {$1600.00}. I was told since I closed my account after submitting payment, I caused an error in their system. The representative stated they could clearly see the {$1600.00} payment being made in the transaction history, yet it wasn't showing in the payment history. Basically Capital One lost my ACH payment and did not credit it to my account. I feel like they stole money from me and am not sure what to do.
Product: Debt collection

I opened an account with XXXX in XX/XX/XXXX. Proof of this can be seen on my credit report which has the dates of their inquiry on XX/XX/XXXX and XX/XX/XXXX. I do not know why they checked it twice as a hard inquiry. But my complaint is in regards to the collection of a past due bill. This illegitimate bill includes services already paid for and for equipment that had been return to the XXXX store in XXXX, MN in XX/XX/XXXX. This is when the service was canceled and I had moved to a new address. The new address can also be seen on my updated credit report as proof that I had moved, and then consequently canceled the service with XXXX. It is now XX/XX/XXXX and the collection company used by Comcast, Waypoint Resource Group LLC in Texas, suddenly reported it as not being paid more than a year after the service was canceled and paid.