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

I have filed two claims for a Zelle payment in the amount of {$1500.00} for each claim totaling {$3000.00} that was sent on XXXX XXXX XXXX Immediately upon realizing that the phone call was a fraudulent scam, I contacted XXXX XXXX and ask that they try to cancel the payment and/or reverse it. I informed XXXX XXXX that I was a victim of a scam and fraudulently induced payments through Zelle. I contacted XXXX XXXX Police Department and opened a case with the local police. This claim has now been escalated to the FBI. 

I have been made aware of a new Zelle Policy that should cover my situation and allow for reimbursement of the {$3000.00} from XXXX XXXX. I am sure you are also aware of this secret Zelle policy as well. 

" We are not sharing more details about which scams are covered to avoid tipping off fraudsters, and we will continue to evolve our requirements to address new patterns, '' according to a statement sent XXXX to the XXXX XXXX by spokeswoman for XXXX XXXX XXXX XXXX, the network operator of Zelle. 
The new requirements, according to the statement, are being added to " ensure consistency across the Zelle Network and improve consumer benefits. ''
Product: Debt collection

I HAVE NO CONTRACT WITH THIS DEBT COLLECTOR. NO WRITTEN WET INK CONTRACT HAS BEEN PROVIDED. 

ALLEGED DEBT IS NOT VALIDATED
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have an incorrect address on my tenant screening report that I've never lived at XXXX XXXX XXXX XXXX XXXX, GA XXXX before.. There is showing a rental balance. I have filed a report for identity theft and have already contacted the company, I did not receive a response. I am requesting for this to be removed from my tenant report. If is not removed I will sue for, as this is negatively impacting my credit. The tenant obtained this apartment with my identity as well as false documents to obtain the lease. The landlord did not properly investigate and research before lending this apartment out to the tenant which is extremely negligent. This could have been prevented had the landlord properly reviewed the documentation. If not removed I will sue for negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was compromised due to the Equifax negligence. I contacted Equifax about this information. Equifax has granted the TrustedID program and waiving the freeze fee by Equifax. However, there are other agencies where my information is at risk due to what Equifax has done. I have to put a freeze on my account with those agencies as well. Those freezes cost money. Equifax should cover the fees of putting these freezes on my account with other agencies because without the negligence from Equifax I would not have to put these freezes on my account.
Product: Credit reporting or other personal consumer reports

I wrote a letter stating unfamiliar inquiries showing up on my report.

The company continues to leave the inquiries on my report even after disputing them to be removed.
Product: Credit card or prepaid card

On multiple requests, Citi has refused to give us credit on one of our four {$1500.00} payments. We have spent too many phone calls and too many hours each call tried to solve this. Multiple occasions our case was opened and denied. There were 4 payments of {$1500.00} made in XX/XX/2019 ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ), only 3 credits were given to us, after we spent long hour on matching the credits with each of our payments from end of XXXX to mid XXXX, we found out that the MISSING CREDIT of {$1500.00} is for XX/XX/XXXX payment, and the reversal of a Conditional Credit of {$1500.00} was the mistake. So the 2nd Fax we sent to them is clear enough to point out their mistake, we have provided very detailed documentation and explanation. 
The problem is that Citi reps are NOT reviewing the info we sent in via Fax. Proof is this last conversation we had to force the rep to open it and review our bank statements and it was clear from her that she has never viewed them before. We are very tired of them holding our {$1500.00} and refused to give us back. Each phone call takes hours with NO satisfactory solution. The problem happened in XXXX, and now is already XXXX. We sent the 1st Fax per their request, but they couldnt find the problem and the unsolved issue remained. We sent the 2nd Fax ( 5-page fax ) on XX/XX/2019, they didnt open and review the Fax until today, XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account reported to my credit report. XXXX XXXX  balance {$5000.00}, XXXX XXXX {$570.00}, XXXX XXXX- {$4700.00}, XXXX XXXX {$600.00}, XXXX XXXX XXXX {$580.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a credit card with Macy 's since XXXX. I have always paid my bill in full every month. For some unexplained reason, Macy 's reports I was 30 days late XXXX of XXXX. I have NEVER been late and I am furious with Macy 's. I am asking for this to be corrected and removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard Inquiry that I dont know and did not authorize From XXXXXX/XX/XXXX XXXX
Product: Mortgage

My long standing equity line loan was sold to a new servicer SPS Select Portfolio , Inc. ( XXXX XXXX XXXXXXXX XXXX  ) effective XX/XX/22. This company appears to be for someone with delinquent/foreclosure/late payment issues of which I have never in my life had one. My payment due for XX/XX/22 was in the amount of {$1200.00} as with with my original equity line provider ( XXXX XXXX XXXX ). They did not post this payment to my account ( of which I could see on line ) and I called many times and they did not explain why. This should have been shown on my online dashboard within a day or two as with any other servicer with a breakdown of how much went to principal and how much to interest. My XX/XX/22 payment was for {$1200.00} and again paid through my XXXX XXXX XXXX bill pay debited XX/XX/22. I then receive notice that they arbitrarily and deceptively ( modified )? my XX/XX/XXXX payment due to {$770.00} thereby reducing the amount of principal being applied in half. I did not request this is asked them to explain and correct this to keep my payment at {$1200.00} ( of course with interest calculated at my original terms which it appears to be ). When I checked my balance one line I saw they did not apply the addition principal I paid to keep my payments at {$1200.00} and again called and spoke with XXXX XXXX he would not give last name or employee ID ) he said " the money went to the cashiers dept and he would have it corrected/applied ). I asked him to please have done that day as interest would accrue at the lower principal applied and to please call me back that day to confirm he said " he or someone would call me back '' but no one did. Upon calling back on XX/XX/22 I spoke with XXXX who saw the {$460.00} add'l principal and said " she will have it applied and it will take 10 days ''. This is ridiculous as payments must post as of XX/XX/22 and be shown on my online account for me confirm they did it in a timely manner. Today I checked the dashboard " payment information '' and it shows a " scheduled payment of {$800.00}. Again, I did not ask them to modify this loan from the XXXX and find that to be an illegal practice. Also, under " Letters - loan owner notifications '' upon opening read " Letter not found '' Upon investigating SPS I found they were fined {$40.00} XXXX dollars and settled with the FTC under the name of XXXX XXXX so they now have changed their name to SPS Select Portfolio Servicing. I am not understanding how they were allowed to continue with being a servicer. There are law suits and complaints online from thousands of people. It is clear they are still engaging in unfair, deceptive, and illegal practices in servicing my loan.
Product: Debt collection

This account do not belong to me. I disputed it XX/XX/2016 and it was deleted from my credit report. They keep putting it on my credit report. I sent a copy of the dispute showing it was removed from my credit to XXXX  and XXXX and it is still showing up on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

~In mid-XX/XX/2020, I sent a 611 notice to have information verified on my credit report. I received notice that the information will remain on my report, with " no proof provided '' that this debt was mine ~In early XX/XX/2020, I sent a 623 notice to the creditor to verify and send proof that this debt was mine and/or update erroneous reporting data on my credit report. I have received " no response '' after waiting at least 30 days for a reply. 
I have attached proof of correspondence, proof of receipt and proof of my identity. 
I am requesting prompt deletion from my report as a resolution to this challenge. 

Thank you for your time and assistance with this matter.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, which has led to unauthorized access to my personal information. As a result, fraudulent accounts and inquiries have appeared on my credit report. I am requesting that the following accounts and inquiries be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which allow for the removal of fraudulent information. 
Accounts to be Blocked and Deleted : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX  paypal funds a loan for {$8000.00} at 30 % repa y Paypal b alance was {$19000.00} XX/XX/XXXX  Paypal deactivates my account/debit card and ability to process transactions without notice.  <P/>  XXXX   XXXX   Paypal reactivates my account.   <P/>  XXXX   XXXX   Paypal s ets a {$10000.00} + 18 % reserve on my account. Seizing {$10000.00} indefinitely and applying 18 % of sales to a 90 day rolling reserve. Taking a collective 3 % transaction fee, 18 % rolling reserve fee + 30 % loan fee = 51 % of gross + {$10000.00}  XX/XX/XXXX   Paypal denies my claim to speak with a representative about revie wing my case for a minimum of 90 days.  <P/> I liquidated inventory to cover expenses I had fallen behind on from a slow   XXXX   sales year.
Product: Debt collection

XX/XX/XXXX Married XX/XX/XXXX XX/XX/XXXX Legally separated from XXXX XXXXXX/XX/XXXX Final divorce and property settlement from XXXX XXXXNo financial transactions of any kind (including Pentagon Federal) since year prior to final divorce.XX/XX/XXXX Started to receive notices of pass due loan payment and attempts were made to me to collect by Pentagon Federal Credit Union for loan transactions executed by XXXX XXXX.   My attempts to resolve this matter directly with PenFed telephonically and in person have been w/o success.Today I continue to produce to Pentagon Federal Credit Union final divorce papers with attached paid check to PenFed for remaining balance closeout on this account.  Several times I have provided to their local bank offices (in person) copies of divorce settlement and supporting documentaton to no avail.PenFed continues to seek collections from me referencing that my name cannot be removed from an account (with loan privileges) until XXXX XXXX (Primary account holder) makes the request.I have no recollection of signing a co-signer agreement at any time nor can PenFed cannot produce anything.I have no communications to date; nor knowledge of Mr. XXXX   whereabouts. I had no knowledge this account was still open and there is no activity conducted by me whatsoever.
Product: Debt collection

This company has tried to collect a debt that I did not open. They have failed to provide me proof that this debt is mine therefore committing fraud. I am prepared to take all legal action against this company and hold them accountable for falsely hurting my credit and threatening to sue without legally providing me info that I have requested in a timely manner.
Product: Checking or savings account

i changed my card due to wear and tear. i got my new card with a different cvv - it had allowed me to use the card upon activation to withdraw XXXX. I proceeded to do another withdrawal but i get a message on the machine error XXXX as the response code. I went inside citibank and they said my account looked fine and issued me with a temp card as they order a new one. i then started to use the card to see if it worked withdrawing money and i got the same error XXXX, I went back inside the bank and they called the security department who told the manager of the bank that my account is under review. they told me that i had to wait XXXX XXXX to make a decision. i am scheduled to fly out on saturday -.and have no funds to go to my mom 's funeral. in the interim i am unable to withdraw or do anything
Product: Checking or savings account

I'm not sure what happened. I was terminated from my job so I pulled the remainder of my XXXX so I could feed my family till I got a new one. Once I received my check i tried to mobile deposit it like I had XXXX times before and the very next day they closed my account and said they were not refunding my money. {$2800.00}. In my account and {$3000.00} XXXX check, and they are keeping it? How is this legal. We are going hungry right now because of chime. My XXXX, my money. I've been a customer for XXXX years and this is how they say thanks?? Please help me. I earned what's left of my pension and they take it away like it's theirs? Shouldn't be legal, we ( i got XXXX little ones and a fiancee ) haven't ate in XXXX  days. This is some kind of sick joke?
Product: Checking or savings account

I am an American with a XXXX and a XXXX. I have repeatedly told PNC that I have health issues that prevent me from online banking. I have also other XXXX. 
Despite this PNC continues to charge me for a banking statement. 

Without me even trying to access the voice banking I was notified my voice access was suspended. I am not able to go to a bank due to my health issues. 
A fee of XXXX USD with withdrawn. 
I need to receive paper statements as a XXXX person without having to pay for it under the ADA
Product: Checking or savings account

I was supposed to receive my check on Wednesday the XXXX waiting on that deposit. It never came so on the XXXX I noticed that it still was not in my account so I reached out to capital one capital one then inform me that they were having issues with some of their services and they are sorry for the inconvenience. I asked why didnt I receive an email making me aware of this situation. I have bills I need to pay that were scheduled to come out of my account. I have a townhome that I had to pay a deposit for in order for him to hold it for me now someone else can actually take that because my funds did not come like they were supposed to when I set up direct deposit with Capital One. I was insured that I would not have problems with direct deposit or receiving my funds and now it is happening. I reached out to Capital One XX/XX/XXXX four times throughout the day. I was told each time that they could not do anything and that I would just have to wait. I then called last night once I got off of work XX/XX/XXXX at approximately XXXX XXXX  I spoke to a supervisor that informed me that I would be able to Use overdraft to access some funds so I can get some things paid well that wasnt true because that did not work and that tactic was to get me off the phone, but I was made aware that this issue would be fixed by morning time on the XXXX it is now the XXXX at XXXX XXXX  and I still have not received my direct deposit. My bills companies are not understanding when you have a payment arrangement set up. I was told that they will pay late fees, but they will not pay big fees like $ XXXX {$800.00} if so, this has put me in a bind and pain and suffering and this is just ridiculous. I work too hard for me not to be able to access my money on time and now Im putting in a situation where bills are going to be cut off and missing opportunities on a townhouse that I have literally been working to get for a month now all of that hard work down the drain due to Capital One not taking this serious and I understand that they have another lawsuit already that theyre going through so its kind of ironic that now our funds are being tied up. Then what made it worse is for me to have told that representative the last one that I spoke to the supervisor that I havent received any emails about this situation since its happened I was actually told by the first representative that I talked to on XX/XX/XXXX that they dont have to send out an email they theres a banner on the app and like I told them an email is more effective and professional. But then I receive the email at XXXX to XXXX XXXX  XX/XX/XXXX when I had already been affected for a day. This is now going on XXXX days and I just need legal action at this point.
Product: Payday loan, title loan, or personal loan

I have this {$1000.00} dollar loan since XX/XX/XXXX. As of today, I owe {$810.00}. They take a total about {$300.00} a month, split bi-weekly payments and i am still not finished paying them. Recently, i noticed that there has been a complaint filed against Mobiloans because of high interest rate, which Virginia won the case. Because of this I received an email on XX/XX/XXXX from Mobiloans stating that they are no longer doing business with Virginia  customers.
Product: Debt collection

This complaint is a follow up to my previous complaint about this same company. This time I am going against them and their lawyers who have discriminated against me, have hung up on my calls, have denied me options for payment agreements and have affected the well-being of my family. 
I am an American citizen and as such I believe that I have rights that they have not fulfilled. 
In response to my previous complaint, they say that they have no information on any lien against me and that they have not collected any money. Lie! I have called them reading their response where they say that they will not take any further action on my account until I get my job back due to the financial hardship I am going through. 
On XX/XX/2022 my bank XXXX XXXX XXXX XXXX withheld {$490.00} by order of them, I call the bank at XXXX XXXX department and they tell me that they have the funds withheld but that they can not make a refund until they send a letter ordering it. In the calls they have told me that they have not received notification from the bank about the withheld funds ( my bank says yes ) and they say that they will continue to take action on my account to collect the debt. 
Every time I call and an associate checks my case they hang up on me. This is clearly a bad practice and discrimination because I am trying to reach an agreement with them and they ignore me, threaten me and discriminate against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Nelnet keep adding balances and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. First of all they do n't have my correct contact information and I was not able to be notified in XXXX and XXXX. I fax information over to them about my forbearance and I was told that it was never received. I have copies of my fax receipt were it was sent over. Several late payment was placed on my account because of this.
Product: Payday loan, title loan, or personal loan

I have received this company info on my credit report for the past year. I have attempted to find a contact number for them on various websites such as XXXX and XXXX. All I find is rip off reports, a complaints. i have tried numerous phone numbers and repeatedly get hung up on. I placed a dispute through XXXX stating I do not remember taking out the loan. I got a response back saying " Account information disputed by consumer, meets FCRA requirements '' No one seems to know what that means. I have no record of taking out the loan or any documentation proving it. I asked the people that have answered the line to send me some proof of the loan and then I can agree to pay they just tell me to pay the loan and hang up. The amount of the loan is {$1300.00} allegedly opened on XX/XX/2015. If I opened the loan and are responsible with proof, I will gladly pay it. They can not provide anything for me. They are going by two names XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am avictim oXXXX XXXX XXXXnd the information listed below on my credit report is a result of that XXXX  : Account Name : XXXXXXXX XXXX  Account Number : XXXX Highest Balance : {$29000.00} Account Name : XXXXXXXX XXXX  Account Number : XXXX Highest Balance : {$35000.00} Account Name : XXXX XXXX Account Number : XXXX Highest Balance : {$480.00} Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Highest Balance : {$530.00} Account Name : XXXX Account Number : XXXX Highest Balance : {$4400.00} Account Name : XXXX  Account Number : XXXX Highest Balance : {$1100.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Highest Balance : {$390.00} In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request. 

Thank you for your prompt attention to this urgent matter
Product: Credit card or prepaid card

I opened a Marriott credit card with Chase Bank in XX/XX/XXXX2021. When opening this, I provided the Marriott account where points would go. The first statement, the points posted as it was supposed to. I then realized the following months ( when I had much larger point balances ) did not post. After calling into Chase three times, starting XX/XX/XXXX, I'm still being passed around. This is what I have been able to find out as of today, XX/XX/XXXX : - A new Marriott account was automatically created for me which apparently is where these points are going. I just found out what the account number is after having to do multiple calls ( and after waiting over 30 minutes to talk to a Marriott representative ), so I have no idea what points are in this account. 

- I was told the reason this happened is because my husband is the Marriott account holder and the credit card was opened by me. I would like to understand why this was not flagged when I was opening the credit card and why the first points posted fine, but then when I had higher point balances it started going to a newly created Marriott account which I knew nothing about. This seems extremely deceptive. 

- I have been passed back and forth between Chase and Marriott and as I type this I'm sitting on hold with Marriott which I have been on hold for 30 minutes now. Completely unfair that I have to spend my time trying to figure out where points are sitting that are rightfully mine.
Product: Credit card

This is a continuance of XXXX. 

Complaint should not have been closed. Please do not close this complaint until I, the Customer, have resolved the disputed transaction with Goldman Sachs Bank USA, the Bank, as it is still pending. 

In addition, the Bank has not shown which vendors participate in XXXX Automatic Billing Updater. The consumer is disadvantaged in which merchants receive new credit card numbers. The Apple Card 's terms and conditions does not specify this. 

The consumer recommends CFPB to instruct the Bank to work with XXXX to turn off Automatic Billing Updater for consumer.