23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XX/XX/XXXX, our RV loan was paid in full via cashiers check. Bank of the West did refund the overage of {$21.00} as the payoff was a 10-day window estimate. 
On XX/XX/XXXX, an electronic payment in the amount of {$270.00} was debited from my bank account and paid to Bank of the West in error. 
On XX/XX/XXXX, when I discovered the overpayment, I phoned Bank of the West to get the issue rectified. The Bank of the West representative I spoke to was XXXX. XXXX confirmed the overpayment was received and he said he would create a work order to get a cashiers check in the amount of {$270.00} issued back to me. He said it would take approximately 5-7 business days for this to occur. 
On XX/XX/XXXX, I still had not received the refund check, so I called Bank of the West customer service. XXXX is the representative I spoke to. XXXX told me that nothing had been done to get the refund check issued and Bank of the West is requiring proof that the {$270.00} was paid to them from my account. I was appalled to hear this information. I asked XXXX if anyone was going to let me know of this new requirement and was met with silence. I asked XXXX what type of proof I needed to provide. She said I would need to send a fax and a copy of my bank statement showing the withdrawal from my account. She also stated that I would need to follow up in the future on this issue. 
I am extremely upset and disappointed in the turn of events and the lack of customer service. The first representative ( XXXX ) was very professional and friendly. He had no problems seeing the overpayment in the system and taking the steps to get a refund issued to me. At no time was there mention of sending any additional documentation. Now, mysteriously, XXXX is telling me she cant see the overpayment in the system and that nothing has been done for over 3 weeks and no one bothered to even notify me. I have sent Bank of the West a copy of my bank statement showing the overpayment and requested a call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX In the amount of XXXX is not my account and needs to be removed the credit bureau is not protecting my report from fraudulent accounts. 
Is Being put on my credit report and this is not my account. I requested for this item to be removed by the credit bureau and they have not done so I contacted the company the credit agency And asked for signed contracts or dL or anything that shows this is a true account of mine. The collection agency sent an unsigned contact that was made up and bogus to try to get money from me. This is not my account and the credit bureau has not removed off my report. I am sending over the bogus fake fraudulent contact that the collection agency sent me. This again is no account of mine
Product: Money transfer, virtual currency, or money service

I sent a money transfer via moneygram at an in store location to my reciever and he was told that the transaction was canceled. When I tracked the transaction it said the money was picked up. I called moneygram and I was asked for the address and phone number of the store and was told my complaint would be escalated. My receiver was told on two different occasions that he went to speak to the director that I would have my money returned to me within days. It has been more than 10 days and I had to dispute the charges with my bank. Moneygram had issues with thier systems. I was sent a screen shot of the error their computer gave when trying to track the transaction. This is the tracking number : XXXX. The directors name who spoke to my receiver XXXX XXXX, is Mr. XXXX. Address XXXX XXXX XXXX XXXX Phone number is XXXX XXXX XXXX XXXX XXXX. I spoke to a man named XXXX at the moneygram escaltion department. No one has reached out to me or contacted me. And now I can not even log into my moneygram account. This transaction was created on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Subject : Formal Complaint Lack of Live Customer Support for Issue Resolution Dear Cash App Customer Support, I am writing to formally express my frustration with the lack of access to a live representative when attempting to resolve issues with the Cash App platform. As a user, I expect reliable customer service, including the ability to speak with a representative when facing urgent matters or filing a complaint. 

On multiple occasions, I have encountered difficulties in resolving issues due to the absence of direct human support. Automated responses and limited support options have made it challenging to address concerns efficiently and effectively. This lack of accessibility is unacceptable, especially for financial transactions where timely resolution is critical. 

I request that Cash App improves its customer service by providing a direct means to speak with a live representative for urgent or unresolved matters. Additionally, I would like a response regarding the current protocol for escalating issues when automated support does not provide a satisfactory resolution. 

I appreciate your attention to this matter and
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Fraudulent Inquiry Dispute Dear Sir/Madam Inquiry Name : XXXX XXXX XXXX Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX XXXX Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Sincerely, XXXX XXXX
Product: Checking or savings account

I had {$1400.00} stolen from my Bank Of America Checking Account on XX/XX/2022 from an international website. I disputed the charges and was assured that the international company would no longer be able to access my account or funds again. I was given the provisional credit to my account and the claim is still being investigated. 
The SAME international website stole {$4800.00} from my account AGAIN. I disputed the charges XX/XX/XXXX and was denied credit and the claim was immediately denied and closed. 
I lost all of that money and they arent doing anything about it. Today is XX/XX/XXXX. There is no way they completed that investigation in only 5 business days.
Product: Mortgage

In XX/XX/XXXX I received a solicitation letter from a company called JFQ Lending saying that my current mortgage is eligible for removal of an adverse market fee. It appeared legitimate and advised me to Please keep a copy of this notice for your records. When I called their XXXX XXXX XXXX number to get the fee removed they started an aggressive process of trying to get me to refinance my loan with a new lender which would result in little tangible benefit to me. They did not, in fact, have any ability to remove the adverse market fee from my current loan. This was deceptive, predatory, misleading, and overall a lie. Thankfully i understood the bait and switch they were pulling and knew better than to move forward but had i not i would have been lured into a product i did not need. I hope JFC will consider adjusting its advertising practices to be less deceptive and stop claiming to be able to remove any fees on my current mortgage. Ive attached a copy of the Notice ( in reality, false advertisement ) so you can see. Thank you.
Product: Checking or savings account

Company is withholding {$20.00} or so from my savings account as per their email sent about a " XXXX XXXX '' that individuals as of XX/XX/2023 are required to " pay {$8.00} - {$16.00} '' to utilize their " services ''
Product: Student loan

I have been paying on this student loan for 33 years. It has been bought and sold more than once. I returned to school and the loan went into forbearance. I finished school but was not working so it was deferred for 6 months. That will be over in XX/XX/XXXX. I have been told via information on the services website that the loan did not qualify for being on hold during covid, and today was the first I found out about that. The loan has apparently been collecting interest and has risen quite a lot again. My new job pays less than my old job and I will have new student loans to also pay for. This loan was originally XXXX approximately in XXXX. I now currently owe XXXX. Why is this loan seem to be designed in a way it can never be paid off? Do I have to pay on this indefinitely until I die? What happens after I die?
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX : XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against your organization for repeated failures to remove fraudulent items from my credit report. Despite my continued efforts to rectify this situation, these inaccuracies persist, causing severe financial distress and affecting my creditworthiness. 

I have previously reported these fraudulent items to your agency and provided detailed documentation proving their inaccuracy. These fraudulent accounts and activities were not initiated or authorized by me, and I have taken every necessary step to dispute and resolve this issue. However, your organization 's repeated failure to correct my credit report is causing significant harm. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies like yours are responsible for ensuring the accuracy of the information contained in credit reports. The FCRA also requires timely investigations and corrections when inaccuracies are identified.

Despite my previous correspondence and attempts to resolve this matter, I continue to suffer the following consequences due to these fraudulent items on my credit report : Difficulty obtaining credit, loans, or financing. 
Higher interest rates on existing loans and credit accounts. 
Financial stress and harm to my creditworthiness. 
I formally request that you take immediate action to investigate these fraudulent items and verify their inaccuracy. If you find that these items are indeed fraudulent or inaccurate, I insist on the following actions : Removal of all fraudulent items from my credit report. 
Correction of my credit report to accurately reflect my financial history and creditworthiness. 
Provide written confirmation of the removal and any updates made to my credit report. I am attaching copies of all previously submitted documentation, including proof of fraud, dispute correspondence, and any other relevant materials. This information should assist in your investigation and prompt resolution of this issue. Please assist me to remove these fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} 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 {$0.00} XXXX XXXX XXXX XXXX XXXX
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 3 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 this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I had an auto leased though wells fargo that was repossessed during covid with no advanced notice of repossession. I was not allowed deferments during covid. The vehicle I was sold was a lemon and was broken down immediately after the warranty expired. There was an engine recall though XXXX and my vin # was not included in the recall even though all other XXXX  of that make, model and engine size were included. The lease was put under my social security # but the wrong last name. They would not allow me to update the last name on the account. I attempted to remove GAP insurance that I was tricked into buying, and they would not allow me to remove it. There was a planned non operation registration on the vehicle when it was repossessed due to the engine failure. Additionally, wells fargo keeps sending me checks saying they incorrectly credited my payments, but the checks are not in my last name and I can not cash them. When the XXXX was repossessed, I received a letter saying I owed them {$13000.00} and that they sold it at action for {$6000.00}. Now the credit report says I owe {$20000.00} and no one will communicate with me because the last name is wrong even though I is under my social security number. The lease was at an extremely high percentage rate for a used lemon vehicle that should have not been sold in the 1st place. They told me GAP insurance was required.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several incorrect accts/ items showing up on my credit report I've reached out to all 3 credit bureaus over that past year trying to get this issue resolved.I even placed fraud alerts on my accounts and I've also sent in my police report to XXXX. I have stated and put in writing that the following items on my credit report do not belong to me and I was a victim of identity theft. 
XXXX XXXXXXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX ( XXXX, TransUnion and XXXX. XXXX XXXX ( TransUnion and XXXX. XXXX XXXX  ( XXXX and XXXX. XXXX XXXX XXXX ( XXXX ) XXXX ( TRANSUNION AND XXXX ) XXXX XXXX XXXX XXXX ( TransUnion and XXXX. I've tried to resolve this issue over and over and nothing is being done. I'd like these items removed from my account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received several alerts ( from XXXX & XXXX XXXX ) that changes were being made to my XXXX credit file. After checking it out I found that XXXX XXXX ( I do not do business with them ) had made inquiries, and had changed my Employer to " XXXX '' a company I had never worked for. 

I called XXXX XXXX  immediately and they told me that they had issued two credit cards under my name ( I did not apply for them ) but had closed them already due to fraud. The information provided for the fraudulent credit cards was inaccurate ( new employer ) and out of date ( they used an old address ), but still XXXX XXXX  issued fraudulent credit cards and " updated '' my credit file with inaccurate information. 

A few days later I received the attached letter from XXXX XXXX ( note that the letter does not say " XXXX XXXX '' anywhere -- the cowards are trying to hide their mistake. ) XXXX XXXX  did nothing to correct the changes made to my account. I changed my XXXX   credit file back myself ( deleted " XXXX  '' as employer ). 

A week later, I received another alert that additional changes were being made to my XXXX  credit report, and that my XXXX XXXX had lowered 11 points due to excessive credit card balances. That change was not caused by my credit activity. I called XXXX XXXX again and was told that they " couldn't help me ''. 

XXXX XXXX is an incompetent bank and should not be allowed access to people 's credit files. I hope they go the way of XXXX XXXX soon ( {$1.00} billion+ penalties, etc. )
Product: Debt collection

I dont know know this company, and they have harassed me several times ; I have repeatedly asked to them explanation of the collection and to send a letter to my current address validating the debt and explain the charges. They have not done so. I have offered to pay this debt in full if they are willing to remove this derogatory remark even though I dont believe I owe us this debt, they have however, refused to answer me after that as well. They continue to harass me without explanation or whom the original creditor was.
Product: Payday loan, title loan, or personal loan

This loan has been officially paid off as of XX/XX/XXXX. I was making payments every 2 weeks and it was been paid off. while looking at my report it hasn't shown any update to me making payments on this bill. Also when obtaining this loan I was given loan documents that I signed for payments to start later on in the year of XX/XX/XXXX. then I was sent an email stating those papers that I initialed were wrong but I never signed the updated versions
Product: Credit reporting

I am writing to dispute the following information in my file. Below you will find description of the item on my credit report I am disputing. 
This item " Payment Status Late 30 Days '' reported by " XXXX '' is inaccurate because the due date for the {$68.00} past due was XXXX XXXX XXXX as you can see on my statement attached below. Payment was made on XXXX XXXX, XXXX as you can see on my statement attached below. The number of days between XXXX XXXX and XXXX XXXX ( 15 days ) is not XXXX as inaccurately stated and reported by XXXX. 
The inaccuracy has had negative effects on my score and consequently on my relationship with said creditor and others as well. I am requesting that the item be removed. 
Enclosed are copies of, statements and credit reporting details supporting my position. Please investigate this matter and delete the disputed item as soon as possible.
Product: Mortgage

I filed Bankruptcy, Chapter XXXX in XX/XX/XXXX, the mortgage was included and the mortgage was foreclosed XX/XX/XXXX and a Sheriff Sale was held. Since that time Ditech Mortgage has sent me monthly statements with the deferred portion of the mortgage owing with additional charges added to the deferred portion of the mortgage. I have called them repeatedly about these statements to no AVAIL. Ditech claims these notices are for informational purposes. My concern is if, I am able to REEDEM the property, Ditech will place a lien on the property for the deferred portion of the mortgage. The total dollar amount of the mortgage balance was {$67000.00} the law firm of XXXX., XXXX XXXX MI, XXXX. Their phone # is XXXX. This mortgage was modified with XXXX. XXXX XXXX, as trustee for the certificate holders of the XXXX inc., Asset-Backed Certificates Series XX/XX/XXXX-XXXX, listed for mortgage sale. The modification was for an ARM. {$56000.00} the principal balance and {$16000.00} of the principal balance to be deferred for approximately 21 years due in a balloon payment. Ditech was not known to me until the court hearing and Ditech appeared in court to contest the stay of the Foreclosure Sale on XXXX. At this time I have received monthly statements from Ditech Mortgage. Is this a form of intimidation? Was this a MERS mortgage?
Product: Credit reporting, credit repair services, or other personal consumer reports

It is reported on my credit report a hard inquiry from CIC Credit in XXXX TN. I have never signed up or received any services from this company. I have only found out about this recently based on a review of my credit report. This inquiry is notated from XX/XX/2023. It looks like a mortgage was being applied for in my name and I have no recollection I applied for a mortgage loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX, XXXX ambulance service of XXXX, WI was dispatched to my home, where I had fallen. For which the total cost is now showing on my credit report as a delinquent amount of {$3000.00}. As recent as of XX/XX/XXXX and to remain till XX/XX/XXXX. Is now in the hands of XXXX XXXX XXXX.
I would not have known this outstanding derogatory bill was on my credit report Except I began the process of buying a home.
I have had XXXX Insurance since XXXX. Some how XXXX, XXXX XXXX XXXX deemed me responsible for the bill, for which I explain to them XXXX would take care of it. However it did not. On XX/XX/XXXX I contacted XXXX Supervisor XXXX XXXX XXXX ( XXXX ). He advised me to talk with XXXX in billing. Both had explained to me there was no longer a balance due and XXXX explaining that XXXX ( XXXX XXXX XXXX XXXX XXXX ) who assist in medical where XXXX does not, Had taken care of the balance, according to XXXX XXXX, this mater was handled onXX/XX/XXXX.
I have also spoke with the XXXX XXXX XXXX and it seems as though the matter is getting worse.
There are two other matters on My Credit Report as well for which I have satisfied but have not yet been deleted as resolved.
However I am filing complaint one at a time, this one being the largest and most difficult.
I hope I have included all that is needed for this matter to receive your attention.
Please Help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an Inquiry on my credit report from XXXX XXXX on XX/XX/2018 that I did not authorize nor received a credit card from. I contacted the company & they stated that a card was applied for using my social security number therefor they did not have remove the inquiry. I did NOT authorize nor receive any credit from this company. Please have them remove the inquiry from my credit report.
Product: Vehicle loan or lease

Hello, I made my final car payment 6 days before the due date. The money was withdraw bank account 8 days ago, but it still hasn't been reflected on my payment statement, and now it's showing as late. I've already contacted the XXXX XXXX, and although they can see the payment, they haven't taken any action to adjusted my account balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I complain that a XXXX name is used in place of XXXX XXXX to display profile to lenders. XXXX name will not allow customer contact with lenders to receive financial services of internal revenue service from registered birth-given name. The XXXX name is a unusable red battery while XXXX customer 's given name is a armed green battery. I accidentally partially charged red battery XXXX name with signature from XXXX up until year XXXX while possessing armed green battery issued at birth year XXXX with XXXX birth-given name. XXXX XXXX staff XXXX be confused. I was born armed with a full battery, and I am not a unarmed red battery XXXX named immigrant. My signature is valid XXXX with XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive had credit card fraud with discover, XXXX XXXX XXXX and XXXX XXXX XXXX. Ive put a freeze on my credit for XXXX XXXX and XXXX.