23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Hi, I have Cds, Money market, and saving account with Sallie Mae for over a decade. I have signcificant amount of funds overall among all the accounts i have with Sallie Mae. I reached out to Sallie Mae customer service on XXXX on XX/XX/XXXX and spoke with a rep called " XXXX '' and asked for her assistance in change my username since I am not able to do that on my own on their website, has to be assisted by a live representative. We changed my username and password with her assistance while she was online. I was not able to login in that day and she advised me to try about 24 hrs. I tried over the weekend, could not get in. Called on XXXX XXXX XXXX. Spoke with XXXX. He tried to walk me through the basic trouble shooting, change browsers, create a new account, change passwords etc. Could not solve the issue. 45 min or so later, he said he would work on it offline and call me back. Did not hear from him yet as of today. Called on XX/XX/XXXX, " XXXX : picked up teh call, asked her to connect me to XXXX, she couldn't but sent me a message to call me back. Did not hear from anyone. Called again about XXXX XXXX  cst. Kept getting messages that the team was in a meeting and to call back after XXXX XXXX  est. Called back at XXXX XXXX  cst. Was on hold waiting for a live rep and finally got the system to have someone call me back. " XXXX '' called me back at about XXXX XXXX  cst. 45 - 50 min of same drill as with XXXX, basic trouble shooting, no solution, asked her to transfer me to a supervisor/manager who may be more empowered to help. She said it is 24hrs turnaround for a manager to call me back and couldn't connect to any manager live. She supposedly was working with a manager " XXXX or XXXX '' to help resolve the issue. Finally she said she would need to write a ticket and wait for IT to help. She would call me back on XX/XX/XXXX. Have not heard back from her or a manager and my issue has not been resolved. I can't access my accounts via my laptop or via app on my phone. There has been no change in my network, network service provider, browsers or tools I have typically used to access my sallie mae account on my end. Last time i was able to access my account was about XX/XX/XXXX or XXXX. I strongly believe the glitch is on Sallie 's Mae end with the change in username. To date, almost a week since the issue was first identified, I have no resolution and no access to my accounts and funds which include my paycheck DD, my childcare funds etc. Sallie Mae team seems to be very inefficient, callous, lacking in expertise and sense of urgency to solve my issue!!! I don't seem to have recourse other than to keep calling, going to the same basic troubleshooting with anyone that picks up the phone and keep looping while my funds are stuck!! I need immediate access to all of my accounts!!! I don't have hours to try calling sallie mae to get to the front line support that is limited in capability, keep looping because of their inefficiency. 
My holidays are now impacted and stressed until I have access to my accounts!! I appreciate a prompt investigation and support from CFPB to unlock access to my accounts immediately
Product: Payday loan, title loan, personal loan, or advance loan

Telephone Representative called and said a name that is not mine. 
Person-Representative also said did you apply and I said no. 
My name is not last name is not XXXX and my last name is XXXX. 
Fraud all they, they applied for a mobile loan and stole the money. 

Please apply Fraud on this company. Mobile loans
Product: Debt collection

I obtained an account with credit acceptance back in XXXX. Unfortunately, the vehicle got repossessed. Earlier this year, I contacted them to settle my debt. We agreed on a set amount and they agreed to be removed and deleted off of my credit report and also send me the discharge of lien info proving that I paid my loan off. Ive been trying since XX/XX/XXXX to get them removed from my credit report. Each time I dispute, it says that the info on my report is correct according to them. This last time, I actually called them to see what the issue was. They informed me I needed to download a dispute form and mail it in to their credit department. And so I did. I waited about 16 days and received an update via email stating that they are not removing themselves from my report and that drop my credit score 20 pts! Im so hurt I want to cry
Product: Credit card

XXXX I was ripped off by a " XXXX XXXX XXXX XXXX  the item I ordered was not what I had ordered. It was a bait n switch tactic - I returned the item to the merchant had to send it internationally. I have submitted all the documentation to PayPal Mastercard for the claim. PayPal keeps telling me that they have not received the documents that I have faxed to them twice. The fee is still on my account and they are ruling in the the merchants favor.

My issue is that the item has been returned to the merchant and I should not be liable for the charge as I do not have the merchandise. It has been returned and the Merchant is a fraud all online reviews are showing that it is a scam from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I sent certified letter to Experian Credit Reporting Agency disputing a collections from a company XXXX XXXX. The collection was removed from my report. Now as of XX/XX/2018 Experian has allowed the same collections to be added to my report through a different company XXXXXXXX XXXX. I know this is the same collection because the amount of {$330.00}. Also Experian has allowed a collection from XXXX XXXX XXXX to add a collections to my account. I have no Idea who this company is and why I owe them {$430.00}. I would like this things removed from my credit report immediately. I am cleaning my credit on my own without any outside help and It would be so greatly appreciated if your company could look into these disputes. I am working to achieve the American dream of becoming a home owner for me and my grandchildren.
Product: Mortgage

Mortgage loan process with SunTrust Mortgage began on XXXX XXXX, 2015. Contract specified 60 days to close. Due to numerous delays, as provided in the attached documentation, closing was delayed by 14 days. Additional expenses were incurred as a result of inefficient communications between me as the consumer and within the SunTrust mortgage organization, a two week time frame in which the application just sat on the desk of the both the loan processor and the underwriter, submission of blurred copies of vital XXXX forms when clear copies were originally submitted with the loan application ; submission of appraisal documents that were not in compliance with XXXX requirements when the correct documents were available, and a completely disjointed closing process that resulted in further delays. These expenses are detailed in the attached letter and supporting documentation. While the XXXX program is designed to help those who need 100 % financing to secure decent, affordable housing, the process SunTrust employs to evaluate these loan applications could be considered discriminatory against those who are economically and educationally disadvantaged in our area.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected protected consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

A deposit was made on my account..the funds are not stolen XXXX.my 1st deposit was {$4800.00} on XX/XX/2023 and 2nd deposit for {$5400.00} on XX/XX/2023 both deposit cleared..and is still available on my account ..so can you please help me get my funds because the money is not stolen..it 's just a big deposit with a account that I just opened... I would like like my funds and dnt want the account anymore after this ... thank you!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my XXXX XXXX XXXX XXXX I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave this company permission to request my credit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX  Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXXc. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) 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: Mortgage

I originally had a mortgage through XXXX XXXX which was never paid late. Then on XX/XX/2018 I was XXXX which I was in XXXX in the hospital for over a month. This caused me to have a hardship and have to put my payment on forbearance/dererment. The loan was transferred to Ameris Bank and then to XXXX XXXX XXXX XXXX rejected our application to be on deferment. And instead of adding all the late payments to the end of the loan they marked late payments all across all three mortgage companies. By the time it was transferred it left negative late payment remarks on my XXXX, XXXX and XXXX credit reports as late payments past 120 days. Ameris bank apologized and removed the late payments. But XXXX and XXXX have not. We have hired credit repair companies for the last two years. We have messaged and called each credit bureau and mortgage company to try and get these removed but have had no luck. We are ready to move past this incident and be able to buy or build our dream home but can't with this on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Gentlemen, In XX/XX/2022 I was contacted by a company named Affirm saying I owed {$29.00} for a XXXX  XXXX  charge of {$290.00} of which {$260.00} had been paid. I advised I have no knowledge of XXXX XXXX  nor have I done business with them or Affirm. I also requested they send me details of the charges on at least 5 occasions and they refused. They continued to contact me, excessively, which I believe to be harassment of the elderly. They also threatened to report me to XXXX and/or other reporting agencies. Again, I told them I have an excellent credit rating but will not pay a bill with no transaction proof or information. They couldnt even provide information on who paid the {$260.00}. They seemed to have a great deal of information about me but none about the alleged charge. There is also no record of XXXX XXXX or Affirm making a credit inquiry. Is it not customary to check ones credit before extending credit? The only thing on my report is Affirm reporting me to credit bureaus for a late payment of {$29.00}! 
I believe this is either a scam or dirty business tricks on old people.
Product: Credit card or prepaid card

Please help me to reach a resolution with Capital One regarding their handling of a charge dispute. 
To provide a background summary - I purchased one year of biweekly massages with XXXX XXXX XXXX in XX/XX/XXXX. Part of the purchase was charged to my XXXX credit card ( {$380.00} ) and part of the purchase was charged to my Capital One credit card ( {$1100.00} ). 
I requested a refund of {$1300.00} from XXXX XXXX XXXX due to poor Customer service and for services not rendered on XX/XX/XXXX. They declined my request due to a no-refund policy. On XX/XX/XXXX, XXXX XXXX ( XXXX XXXX XXXX owner ) told me he would provide proof this policy was disclosed at purchase. However, this documentation was never provided and the company continued to refuse my refund request. 
Thereafter, I submitted a complaint ( # XXXX ) with the XXXX XXXX XXXX. They agreed XXXX XXXX XXXX did not adequately address my concerns or make a reasonable effort to resolve my dispute. The XXXX was unable to obtain the refund on my behalf and this complaint reflects as unresolved in their records. 
Subsequently, I submitted a complaint ( # XXXX ) with the Arizona Attorney General. XXXX XXXX declined my refund request and again did not provide proof of the no refund policy at purchase. I submitted my unsatisfied response to the Attorney General and am awaiting their follow up. 
Thereafter, I contacted XXXX and Capital One regarding the services not rendered and my refund request. I provided both credit card companies the same documentation - copies of my credit card statements, phone records, email communication with XXXX XXXX, print screens of the XXXX website and copies of the XXXX & AG complaint documentation for their reference. 
Based upon their review of all documentation, XXXX provided a {$380.00} refund for the services not rendered. 
Capital One initially provided a credit of {$910.00} on XX/XX/XXXX. They have since recharged my card for this amount on XX/XX/XXXX. I was told that because this was considered a service purchase, a contract or purchase receipt was required to dispute the charge. 
XXXX XXXX XXXX will not provide a purchase receipt ( presumably because it does not contain a no refund policy disclosure ). I did not sign a contract with XXXX XXXX XXXX. 
I simply can not understand why Capital One would reach a different conclusion and resolution to this matter. To be clear, Capital One has recharged me {$910.00} for services I have not received from XXXX XXXX XXXX.
Product: Checking or savings account

I opened a dispute back in XXXX for a purchase I made in XXXX of XXXX. The items that I purchased didn't work for me. I've made multiple attempts to get this resolved with the seller. The merchant is unresponsive and the proof is attached to this complaint. That's when I reached out to my bank Citibank to try to retrieve the funds of {$290.00}. I've complied with every request. I've sent in all the supporting documents along with the signed form that they mailed to me via fax. Last week I received a notice that stated that the case is being closed due to not sending in the requested information. I've spoken to 4 dispute supervisors that stated that I sent in the requested documents that was requested of me and nothing further was needed. So again why was this case closed? You'll also see the fax confirmation page of where I sent the information too and the number. 

I feel like I'm being discriminated against because I filed a complaint against them back in XXXX XXXX. I need my money ASAP. I'm tired of them playing games if you listen to all the calls you'll hear 3 of the 4 supervisors saying I would get provisional credit and that has never happened. 

Also every time I called in to check on my case I would be told that that they never received the documents or the case is closed. Once I request to speak to a supervisor the supervisor will tell me the information that the rep gave me was incorrect. I love my account with Citibank but they are very unorganized as an organization.
Product: Credit reporting or other personal consumer reports

The problem is as of today that Transunion has my name incorrect on my credit report this is not me and this is false information. I want all this information wiped clean on Transunion. 

I can provide my correct information such as my driver 's license. 

Thank you.
Product: Mortgage

They said our forbearance has been used up 18 months not continuous but we need to start paying mortgage, when I call to arrange & fix forbearance payments different XXXX bank reps keep giving me run around. For months saying its been escalated. We need to pay mortgage this XXXX already but everytime I call, they said we need a mgr to work payment plan for XXXX we owe but no one can help us. They keep saying call back. We dnt want to lose our home but it seems we cant get help either. They said dnt pay XXXX bec the past due needs to be discussed first. I will be delinquent this XXXX already. thank you
Product: Credit reporting or other personal consumer reports

Capital One put and old account that was included in a XXXX XXXX XXXX bankruptcy on my XXXX credit report. I contacted them several time 1st time they could not find the account however they are reporting it every month. The second time I contacted them they found only an old account however they reported that it was open in XXXX Please help
Product: Credit reporting or other personal consumer reports

XXXX AND XXXX XXXX, XXXX ARE FRAUDULENT ACCOUNTS REPORTING ON MY EXPERIAN AND XXXX CREDIT REPORTS, THE CREDIT BUREAUS WAS NOTIFIED OF THE FRAUD BEING REPORTED ALREADY.
Product: Credit reporting or other personal consumer reports

In XX/XX/2014 My wallet was lost that included my drivers license, social security caard, and other forms of identificaiton outside of my house and since then there have been several fraudulent account opened in my name student loans, utilitiy bills, car loans, credit cards, home leases, student loans and I dont know what elese. I have filed a police report as well. I would like for all these items to be deleted from my credit profile. 
ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Vehicle loan or lease

Bought a XXXX XXXX XXXX. Had some car lot. Then it was XXXX XXXX. Then went to credit acceptance. All kinds of hidden fees. Start of loan was XXXX. Which was way over priced. The explorer needs alignment. Had braking issues and now check engine light on. Believe the wheel bearings need replaced as well as some bushing to under carriage and some suspension issues. XXXX is what they offer for it. Owe XXXX. And then haven't seen any interest prices. Hidden fees. Junk automobiles. Need help or I'm screwed if I give back it will ruin my credit. And all this mess for XXXX bucks a month. For 7 Years. Need help. Have had it since XXXX. 3 months and still needs alignment. Feels like if I was to jerk the wheel the front end would flip the vehicle. Any thing. Advice XXXX  or phone number to someone who can help.. This is why everyone broke. It's dirty and a bad way to run a business.
Product: Debt collection

I checked my credit and saw a report from RS CLARK ASC for XXXX XXXX XXXX in the amount of {$350.00}. I have no earthly idea where this debt stems from or who the company is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an ongoing situation that has grown. I filed a CFPB report XXXX. XXXX. Since that time I have had a balance increase reported that is not addressed on the charge off and Failure to Validate and failure for Experian to post the account was being disputed. XXXX account XXXX. The Charge off date or Status Update is incorrect. The High Balance and Credit limit are incorrect. The charge off balance seems to have changed over the course of the Investigation. I don't know what it looks like because XXXX has not responded to my debt validation requests. And I do not think the investigations are done properly because there have been some times that the comment section did not say under investigation. In XX/XX/2020 XXXX added to the comments that the charge off balance was {$1400.00} while claiming the credit limit was {$1000.00}. XXXX disputed all these things and they are still there and not addressed. I sent most of these certified mail. I sent Letters every month since XX/XX/2020 to Experian. See attached.