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

On XX/XX/2022 I was contacted by someone calling from Wells Fargo Customer Service. It appeared as the correct number, but was a scammer. I had just applied for a personal loan a few moments before, so I answered thinking it may have something to do with that. The person on the other end told me that they were calling from Wells Fargo because someone had tried to send themselves money from my checking account through XXXX. He said that WF can't interfere with a XXXX transaction, but that if I created an account and sent the money back to myself, it would reverse the transaction. I did so twice, first sending {$1000.00} and then {$440.00}. I want to be clear that the only information I entered when making this transaction was my OWN name and phone number. The attached bank document will show that I sent the money to myself ( or so I thought ). I never authorized a transaction to send to an outside account or any other person, therefore making this FRAUD, not an authorized transaction as WF is claiming. About ten minutes after hanging up, I realized something was strange and called WF to report the incident. After waiting the recommended ten days, I still had heard nothing so I called them and was told my case had been closed ( without notification to myself ) and that the bank said there was nothing they could do since I authorized the transaction. Again, I do not feel that I authorized this transaction as I thought I was simply sending money to my own account. I was told that they have no way of knowing if I was complicit in the fraud ; but if they suspect something like that, why did they approve me for a personal loan of $ XXXX? I plan on closing my accounts ( I've already closed my savings account ) and moving my money to a credit union. I've also been interviewed by a local news station regarding this matter.
Product: Credit card or prepaid card

There were charges that were unauthorized on my account and when I reached out to the merchant they advised they would help but then said they werent going to be able to do anything. I reached out to my bank, chime and advised them of what was happening and that I tried working it out with the merchant but Im being ignored and chime has not helped they denied my dispute 3 days after they supposedly started it and then wouldnt allow me to reopen the dispute ( appeal ) the decision until I threatens to reach out to the proper channels only for them to deny me but the charges are unauthorized and I need my money I dont have the luxury to be stolen from and not do anything about it.
Product: Debt collection

Credit Collection Services of XXXX MA, contacted me via phone in XXXX stating that I owed {$290.00} to my former auto insurance company, XXXX XXXX XXXX, I disputed this amount over the phone. I received one letter in the mail dated XX/XX/2020. My account was put into collections on XX/XX/XXXX and negatively effected my credit by 40 points, this all during the COVID-19 pandemic. I have been unable to work since the first week in XXXX due to the COVID-19 crisis. I want this account to be removed from collections on my credit report and Credit Collection Services the chance to allow me to settle this dispute in a fair manner during this global pandemic.
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE/XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Consumer Loan

I suffer from XXXX and XXXX. In 2011, I visited a car dealership with my wife just to window shop because I did n't have a down payment. Soon the sales rep led me in the financing officer 's office and offered me something that has now totally destroyed my credit. They suggested that I write them XXXX post dated checks and that they were going to lie and tell the finance company that I maded a {$1500.00} down payment. Having problems making good on the post dated checks, I had to take out multiple pay day loans in order to pay the car dealership. I still owe those loans XXXX years later. I told the loan company about my problem but they refused to help me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain accounts and inquiries listed on my credit report due to a data breach in which I became a victim of identity theft. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am requesting that all fraudulent accounts and inquiries be immediately blocked and deleted from my credit file. 
The fraudulent account in question is : XXXX XXXX XXXX Account # XXXX Opened on XX/XX/XXXX {$0.00} balance Additionally, please block and delete the following unauthorized inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Product: Debt collection

I already paid for a medical debt that was sent to Radius Global Solutions. I took a screenshot of the below information from their website and I sent it to XXXX XXXX XXXX. The company is still attempting to collect on a paid debt and XXXX has yet to respond to my email. I have provided adequate proof on my end that this was paid for and they need to remove the negative credit reporting immediately. 

Reference XXXX XXXX Payment Amount : XXXX Payment Date : XX/XX/2019
Product: Credit card

American Express ( " Amex '' ) has not honored a promotional offer for a credit card I opened for 3+ months despite having contacted/chatted with Amex several times about it. Amex has acknowledge that I qualify for the promo but has done nothing to resolve this problem. Every time I contact Amex they give me the ring around ; they tell me to check back in 2-4 weeks, that I should see the promo credits within the next week, that they'll call me in 24-48 hours, etc. None of this has actually led to any resolution. They either tell me to wait longer when I check back in ( at the time THEY told me the issue should be resolved by ) or don't call me back. 

Sequence of events : XX/XX/XXXX : I opened an American Express Delta Reserve credit card with a promotional offer of XXXX Delta miles after $ XXXX in spending in the first XXXX months. ( Amex acknowledges that is promo was active in the attached chat messages ). 

XX/XX/XXXX : I meet the spend threshold for the promo. ( Amex acknowledges this in the attached chat messages ). 

XX/XX/XXXX ( chat log ) : I contact Amex about having not received the promo miles. They tell me their back end team will investigate and " we will await for the resolution in 2-4 weeks. You may also check back with us from time to time. '' XX/XX/XXXX ( chat log ) : I contact Amex again about having still not received the promo. They confirm the promo was active and that I met the threshold on XX/XX/XXXX. The say that I should expect the points " within the week. '' XX/XX/XXXX ( chat log ) : Still haven't received the promo so I contact Amex again. They tell me to " contact us back in 7-10 days ''. I find this unacceptable so ultimately ask to either receive the points or close the card with a full refund of the annual fee I paid. Ultimately, the rep tells me that a supervisor will call me within 24-48 hours. As of XX/XX/XXXX, I have not received a call.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite usuing 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 infeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect 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 serous concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX account on my credit report from XXXX, reported delinquent in XXXX, XXXX. I have never opened this account.I have disputed this account with Experian, XXXX, and XXXX  and it comes back verified. I have tried reaching out to XXXX and they tell me the account is too old to do anything about, and unless I have the account number they refuse to discuss it with me. The account had a balance of XXXX. After I disputed the account numerous times it now shows {$0.00} balance, but updates {$0.00} dollars with a derogratory statement on Experian and XXXX  monthly. XXXX  has a XXXX balance but havent updated since XXXX. I am so frustrated with this situation. Experian is the worst, everytime I disputed the XXXX was updated until it now shows, XX/XX/XXXX. The other CRAs have the XXXX at XX/XX/XXXX. This is wrong and illegal. Please help me get this fraudulent account off all three CRAs.
Product: Student loan

I have a XXXX XXXX XXXX at Navient that used to be at XXXX XXXX. My bank sent a check for {$7600.00} to Navient. When I told my bank to send the check, I gave them the XXXX XXXX XXXX payment address listed at http : //www.navient.com/about/contact-us/ because that address is listed under the section that reads " Loans Through the U.S. Department of Education . If you have loans through the XXXX ( XXXX Subsidized, XXXX Unsubsidized, XXXX PLUS, or XXXX Consolidation ) or loans owned by the U.S. Department of Education through the Federal Family Education Loan Program ( FFELP ) ''. I did this because my loan was a Consolidation Loan issued by XXXX XXXX ( not a private bank ) and this is the only section that says " Consolidation '' at all. 

However, my Navient account has not been credited with the payment. So I called today to ask why and the Navient representative said that my bank should have sent the check to the XXXX XXXX XXXX XXXX payment address listed under " FFELP and HEAL Loans. If you have Federal Family Education Loan Program ( FFELP ) or Health Education Assistance Loans ( HEAL ) owned by a third-party lender ( usually a bank or credit union ), or a private loan with this type of statement ( view image ). '' Apparently, Navient considers XXXX XXXX to be a " third-party lender ( usually a bank or credit union ) ''. 

Now I have no idea where the check is. Navient refuses to tell me if they will return the check to the bank because it was sent to the wrong address, or if they will transfer it to the correct address so it can be credited to my account. At one point, the Navient representative told me " There is a possibility that the US Department of Education may have already cashed it in which case the money is gone, '' which is horrifying if true. 

Can Navient simply keep my money and not credit it to my student loan? Or must they return it to my bank, or forward it to the correct address for processing? And why is their Contact Us payment page so confusing, listing 3 different groups of loans and payment addresses, none of which seem to apply to former XXXX XXXX customers with Consolidation Loans?
Product: Credit card or prepaid card

On XX/XX/2020 I received a letter resulting from a dispute with XXXX that shows 20 accounts of the company CAPITAL ONE, all those accounts were shown to be deleted but I never gave CAPITAL ONE authorization to open all those accounts without my consent. I have sent a letter to contact them for more than 10 days and they have not responded.
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, I sent a letter on XXXX XXXX to remove accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX XXXXIve already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT ED/XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$4500.00} - XXXX XXXX XXXXXXXX XXXX Balance Owed : {$820.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$890.00} XXXX  XXXX  XXXX Balance Owed XXXX {$0.00} US BKPT CT CA XXXX XXXX XXXX Bankruptcy Reference # XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$820.00} XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

There was a double charge of approx.. {$74.00}. 
Talk with XXXX reps..XXXX rep told me it tooK 8 days for processing ... normally it 's instant..XXXX rep told me there was a system problem ... supervisor would be calling me in 24 hrs ... no call..talked with sup-XXXX..told me I would n't be getting my money. back.help me please.
Product: Mortgage

My name is XXXX XXXX During the last few months, I starting a process to sell my house to a short sale. 
I got the service of XXXX XXXX  in XXXX XXXX. 

We supposed to get an answer on XX/XX/2022. As today I don't have any phone calls for the bank to let me know the status. 


Following are the events that have occurred since the process started : XX/XX/XXXX, XXXX the Realtors sent the package to Loss Mitigation BPPR via email XX/XX/2022 an email was sent to Loss Mitigation asking for the status of this case XX/XX/2022 XXXX XXXX sent an email to loss Mitigation with some documents requested to me On XX/XX/2022 The professional in charge of the appraisal visited the property I never received the appraisal The Realtor have made many calls to Loss Mitigation and in all of this calls the answer has been that the investor is still analyzing the case I am very frustrated with this case. It has been almost four ( 4 ) months since we started the process and still no communication I need help, I dont want to lose my property
Product: Credit card or prepaid card

On XX/XX/18 I had a hard inquiry from Comenity Bank/Victoria Secret that I didn't authorize. At this time I also received an automatic credit limit increase- ( I didn't apply for a credit limit increase ) therefore I shouldn't have had a hard pull if they were conducting account reviews and gave an automatic increase. This pull wasn't authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was approved for the Biden student loan discharge. I have the email verification issued involving the loan discharge approval. I request that the information be removed from my credit report.
Product: Checking or savings account

I have been attempting to withdraw {$31000.00} from my apple savings account by Goldman Sachs since XX/XX/XXXX. The transaction has been in a pending withdrawal status for over one week. The banks website states that withdrawal request will be processed within 1 to 3 business days. When I have contacted customer service, they have communicated a five business day timeline. After several calls to customer service in which I was told to wait, a representative informed me on XX/XX/XXXX that my account was flagged and that a hold had been placed on my withdrawal because I had deposited additional funds in the accojnt from a different bank account than my original deposit. I was not notified of this hold. I was told that the flag was cleared and I could expect my funds within two business days, which still has not occurred. When I contacted customer service again on XX/XX/XXXX, because my funds have still not been transferred I was told there is no hold on the account and that I should see the funds transfer within five business days again. When I asked to be transferred to a supervisor. I was told I could only receive a call back and that they couldnt guarantee that I would receive a call back within 48 hours because call volumes were high. This bank has prevented access to my funds for going on 10 calendar days now and has given me no assurances as to when I can expect to receive access to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Victoria secret card says closed. When I call Comenity bank they tell me it is open. I was told that if I make payments on time that my account would reflect. My company list work due to covid. I called. And was told my account would not show any late pays. But it does XXXX XXXX XXXX XXXX XXXX is not suppose to show late. And XXXX shows closed this is incorrect.
Product: Debt collection

XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus
Product: Credit card

Capital one closed/locked me out of using my credit card to update the card to a chip. Thus for over 1 month I was unable to have access to my revolving credit as they were unable to send the card during that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I cosigned a loan for my daughter, XXXX XXXX , back in 2007 to attend the XXXX XXXX XXXX XXXX for {XXXX. She has since graduated and has moved on to acquiring XXXX XXXX Degrees and now she is in the last year of her XXXX. 
She was XXXX XXXX XXXX at the time of the cosign and is now going to be XXXX  years of age in XXXX. 
I have asked over and over again for the amount of the loan be taken off of my credit report. 
She has made all payments with 100 % scoring. I have tried everything to get her loan amount off of my credit report. She has even called to have me taken off of that loan as a cosigner. Nothing has been done and we have exhausted all resources.
Product: Credit card or prepaid card

Capital one closed my 2 credits cards because of a return payment that was a mistake
Product: Debt collection

I sent a debt validation letter to company on XXXX XXXX and I received a letter on XX/XX/2022 with a list of charges on XX/XX/2022 I sent a second failure to validate letter and I have yet to receive a response or yet to have this company validate that this debt belongs to me. Please delete this information from my credit file and cease all collection activities immediately
Product: Mortgage

The purpose of this complaint is to inform your office of the fraudulent and unethical business practices of Caliber Home Loans ( Caliber. The complaint involves my Forbearance of my mortgage payment due to the COVID-19 pandemic. 

During ALL my communications with Caliber, I have been emphatic about what I was willing and able to do once my forbearance had expired ; resume my monthly payments that I was paying prior to the pandemic, with a final payment for the COVID-19 Forbearance balance due and payable at the end of the loan ( Deferment ). I never wavered from this stance from the beginning, and up to this point. 

It is my understanding that Caliber knew this ; yet what is apparent now, is that they ignored my requests and through gaslighting and erroneously papering the record the are demanding that I pay back the {$26000.00} in bi-monthly, extra payments, or refinance the entire loan at a higher interest rate. 

At this time, I would like to open this complaint against Caliber, and possibly XXXX XXXX XXXX out of XXXX, South Carolina. But, please be advised that I have additional information to provide, and willing to supplement this complaint as needed. 

Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was trying to get a personal loan to consolidate my credit card debt and I was denied because of the damages on my report According to 15 USC1681 LAW there should not be any damages. This is a defamation of character.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry on my credit report from XXXX XXXX that I did not authorize dated XX/XX/2017.