23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Bank account or service

In XXXX 2016, CitiBank advertised a promotion that if you put {$50000.00} in a Gold savings account that in three months, you would receive a bonus of {$500.00}. It is now XXXX 2016, and no credit has been made to my savings account. I have submitted numerous inquiries to the bank and they have been denied. I also contacted their executive response unit three times and received no response. I feel that these are deceptive business practices and other individuals across the nation have complained about this practice.
Product: Credit card

Ive noticed Further unauthorized transactions on my chime account and I dont know why fraudulent charges I did not make keep occurring on my chime account Ive give them police report numbers etc no refunds were issued nor refunded its been 3 months since I made my chime account and I get unemployment then the money is taken out my account from unauthorized transactions they dont fix nor look into then Im forced to barrow money from the chime limit from my direct deposit every Monday
Product: Money transfer, virtual currency, or money service

I sent a wire transfer of {$27000.00} on XX/XX/XXXX, to Coinbase/XXXX. As of XX/XX/XXXX, it has still not been credited to my Coinbase/XXXX account and it has also not been refunded to my bank account. 

I filed a ticket with my bank ( XXXX ) on XX/XX/XXXX to have the wire recalled. Since that date XXXX has sent more than 20 messages to Coinbase 's bank and none of them have received a reply. 

I have also filed online tickets with Coinbase 's support ( case ID : XXXX ). After waiting several weeks, these inquiries have all received a form-letter response, after which my support ticket was closed. I have re-opened the ticket requesting more information, but have received no response. 

According the form letter, my wire was apparently rejected. The form letter says that all rejected wires " will be returned to the originating account after several business days ''. 

It has been more than 1 month since my the wire was sent, and there is still no sign of the funds being returned to my bank account.
Product: Mortgage

Summation : Fifth Third Bank failed to admin my account properly. At first, I believed that this was gross negligence, now I believe it to be much more. Fifth Third Bank took my payment/s and misapplied them. They even sent back payments as I attempted to keep making payments while they researched this matter. They were setting this up for years as they repeatedly attempted to say I missed payments. So much so, that my attorney had to send them proof of payments. I had to hire an attorney to defend their foreclosure attempts. They have not made ANY attempt to take accountability. 

On XX/XX/XXXX I sent a letter to : Fifth Third Bank Office of the President, ATTN : XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX, OH XXXX In this letter it is stated : Please find enclosed proof of payments from XX/XX/XXXX through XX/XX/XXXX. Enclosed there is also the proof of the XX/XX/XXXX payment that was returned by Fifth Third Bank ( including the letter ). That return and letter effectively halted my ability to make payments to Fifth Third Bank until the payments that were not accounted for were credited to my account as Fifth Third Bank would not accept any continuing monthly payments. The issue with my account is solely due to Fifth Third Bank. As I have attempted to remedy the situation, the multiple times I have sent documentation to Fifth Third Bank. Listed below are the simple steps Fifth Third Bank can take to remedy this situation. If we can not remedy this situation, please move forward with your legal proceedings and I will retain counsel. This issue has caused significant and unwarranted stress to my family and I will await your response. 
Steps to Remedy the account status : XXXX. Update the account to reflect payments made through XX/XX/XXXX XXXX. The months that payments were not allowed to be made ( XX/XX/XXXX- XX/XX/XXXX ), defer these payments to the back end of the loan agreement. This would effectively place the account in a current status and I would make my XX/XX/XXXX payment. 
XXXX. Lastly, allow for the payments to be made electronically. This would keep a digital record of the payments and stop the additional costs I have paid to submit the payments.
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
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 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, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency cr furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.
Product: Money transfer, virtual currency, or money service

To Whom It May Concern, I am filing a formal complaint regarding an unauthorized transaction that occurred on my Zelle account, which was processed without my consent or knowledge. Despite my efforts to resolve this matter directly with Zelle, the issue remains unresolved, and I am seeking your assistance in addressing this breach of my account security.
Product: Money transfer, virtual currency, or money service

I received a text around 10 am on XX/XX/21 asking if I authorized a {$2000.00} XXXX transaction I texted back no, I immediately got a call back from a call ID 'd as Chase Bank ( XXXX ) XXXX. The man on the phone asked if I authorized a XXXX transaction to XXXX XXXX in the amount of {$2000.00} scheduled at noon? I said I don't know who that is. He said we need to reverse the charges back to you. I said how do we do that, he said go into your XXXX, put in your name, your phone number, the amount ( {$2000.00} ) in the memo type " Fraud Reversal '' I did it then he said what does it say I said it doesn't say anything it took me back out to the home screen. When I tried to go back out and go back in my account I was locked out, when I told him I was locked out he hung up on me. A number popped up on my screen telling me to call which was different than he called me from ( XXXX ) XXXX. I called that number another man answered and I said I think I was just scammed and he said no you were just speaking to Will in our fraud dept. I said ok, he said to call back the next day to speak to someone about unlocking my account. I called the number on the back of my card the next day and they told me no claim has been filed and that's when I figured out both numbers were scam numbers. Chase is offering NO refunds or help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently retaliated against by Experian Credit Bureau regarding my submittal of 2 CFPB Complaints on XXXX XXXX NOTED AS FOLLOWS : 1. XXXX 2. XXXX 3. XXXX However, on XX/XX/XXXX, I received an update that my from FICO Membership that my score was negatively impacted by 16 points from an XXXX XXXX XXXX XXXX account that had already been sitting on my Experian report for the last 3 years which had not been utilized in any capacity and they decided to report it as a high balance after it had been sitting on my report for 3years. This is Blatant Defamation and Retaliation against me as a XXXX XXXX American XXXX  and U.S.  Veteran because I opened the complaints listed above because they did not act on the Proof of Documentation and information I provided to them regarding a SETTLED Account with XXXX XXXX. Instead, they stated the information was accurate with out even reviewing the Documentation which I sent in the mail. 

As a result, when I opened the CFPB Complaints, I was informed that my Experian Credit Score had dropped from XXXX to XXXX in a matter of 7 days! Experian needs to be investigated by CFPB, SEC, and FBI for manipulating Consumer Scores as a result of demeaning and retaliatory acts of Discrimination against XXXX XXXX- American. This is also a form of Suppressive and Oppressive Systemic XXXX Acts exuded by Experian as well. 

I am requesting that my Scores be restored to XXXX which is prior to the XXXX XXXX XXXX which is still not resolved. 

This is also another form of systemic XXXX  and oppression towards XXXX XXXX-Americans in the United States and should not be tolerated by an Corporate Entity. It is against the law to oppress U.S. Citizens and further treat XXXX XXXX-Americans as if we are in XXXX  with the Oppressing Economic tactics exuded by various Credit Entities and Corporations in the U.S. in a sole effort to restrict Access to Capital because of the blatant, discriminatory, and retaliatory tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I went over my credit report I seen errors with addresses, multiple variations of my name, and inquiries that needed correction and I called all 3 bureaus to see about fixing and updating my report. I found out a letter was needed so I wrote my letter a month ago and there haven't been any changes
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to all 3 of the major Credit Bureaus several times with concerns of inaccurate reporting on my credit file. After several attempts to rectify the issue directly with the Bureaus I feel it is time I escalate the issue as I am not seeing satisfactory results or nearly any results at all.

There are at least 3 different accounts being illegally reported that have negatively impacted me and my ability to acquire credit as a consumer.

As you will see in supporting documents Experian is inaccurately reporting 2 of the 3 accounts mentioned and when I reach out requesting an investigation they either don't respond at all or claim to have either verified or updated the accounts but that couldn't possibly have taken place because they are STILL reporting inaccurately! For instance, there is an account with an Agency called XXXX XXXX XXXX reporting as a charge-off on all 3 Bureaus but there's also recent payments being reported. How can an account that was charged-off be active? All 3 Bureaus are intentionally allowing this company to report false information which is a direct violation of my consumer rights per the FCRA. Experian is also falsely reporting an account with an Agency called XXXX XXXX that I have NEVER had an account with. They clearly did NOT investigate this matter although I requested them to do so several times. 

Both XXXX and Experian have been illegally reporting an account with an Agency called XXXX XXXX XXXX that I have NEVER had an account with claiming they have verified it. I wonder how that is and even XXXX wasn't able to verify the alleged debt with the Agency. They are once again violating my rights by illegally reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan servicer is UHEAA They decided that they would just report me to collections because they " couldn't get a hold of me ''. which is absolutely ridiculous considering they have my cell phone number and I have been making all my payments. 

I requested they remove the negative reporting and they told me that the bureaus are the ones that remove that not them. I told them that is not the case since I work with credit all day and I know how reporting works. 

They again said they can not produce any documentation to show what they did was inaccurate. I am in the process of refinancing a number of my mortgages and this is causing a distress to me and considering this is all inaccurate I need it removed right away and they are giving me the run around.
Product: Credit card

I am filing this complaint against CAPITAL ONE credit card ( account ending XXXX ) for ignoring my complaint about a fraudulent charge of {$470.00} made to my account XX/XX/2015 and made through XXXX. Every time I call CAPITAL ONE and complain, they take off the charge, but with every other statement I am rebilled. They do not send me any details as to where this charge originated or for what item I am being charged {$470.00}. I called CAPITAL ONE during the XXXX week of XXXX and spoke to their agent, who subsequently got XXXX representative on line, who checked their records but could not verify where this charge originated, and hence confirmed that the charge was fraudulent. 

CAPITAL ONE 's representative online assured me that I would be receiving an email regarding this transaction as a fraudulent charge but I have not received any follow up information either by email or ordinary mail. I am now being rebilled without any reason for this charge. I called CAPITAL ONE again on XX/XX/2015 and spoke to their representative who identified himself as XXXX and who took a long time to explore his records but could not help. I was requested to call back again the next day. I am tired of the run around and want CAPITAL ONE to reverse the charge of {$470.00} from my account. I DO NOT RECOGNIZE THIS CHARGE AND I REFUSE TO PAY FOR either XXXX or Capital One 's error. 
Please see my bank statement PDFs
Product: Credit reporting or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be updated in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. 

As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. All 4 erroneous accounts are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am opting out of any and all reporting by XXXX, EQUIFAX, XXXX I am again revoking any permissions given verbal, non verbal, written, unwritten, implied or otherwise. 

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a medical collection reporting from XXXX XXXX Services with the original creditor of XXXX XXXX XXXX XXXX XXXX XXXX for {$1300.00}. I had never heard of this doctor before seeing this on my credit, and never went there. I disputed it with the bureaus and never heard anything back on it, or received any verification, and it's still showing on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I was a victim of identity theft and someone opened an account with The XXXX XXXX for {$1000.00} and with all the late fees it grew to {$1900.00}. I have sent 3 disputes to all 3 credit bureaus, but so far they have refused to remove the account. 
The account has been sold to a company called XXXX XXXX XXXX or XXXX and that is who is falsely reporting on my social security number.
Product: Debt collection

I settled and paid off the original account. Which XXXX XXXX sent you the information when I filled out the complaint for them. That there was a mistake made on my account when I did pay them the settled amount. They said they bought back the account. So this should not be on my credit report anymore and it is.
Product: Mortgage

Note : this issue relates to an active offer to purchase a short sale property. 
1. A townhouse XXXX XXXX XXXX, # XXXX was listed for sale in XXXX 2016. We made an offer for {$400000.00} for this property through a realtor and was accepted by the seller in XXXX 2016. 
2. We understood then that this property was a short sale and required approval from the bank. According to the realtor, public records indicate the mortgage was taken by the seller through Bank of America. 
3. Since XXXX the bank has been going through its approval process. 
4. During the process they requested loan approval letters and financial documents three times from us. 
5. We were told by our realtor the final hurdle was a BPO for the property to be conducted by the bank. 
6. Per your communication the BPO was calculated to be {$410000.00}. 
7. The realtor then informed us that the bank wanted additional {$10000.00} from the seller in order to close the deal. 
8. We informed our realtor verbally that we were willing to increase our offer to match BPO amount making our offer {$410000.00}. 
9. Two days later in a phone call to our realtor, the realtor mentioned that the bank wanted an additional {$40000.00} without any explanation as to the reason for the increase. 
10. On hearing this increase, we requested a formal response or explanation for this increase as it was way above the assessed value/BPO ( conducted by the bank ) of {$410000.00}. 
11. We were not given a response. Our realtor suggested we cancel the transaction as 'there is nothing else we can do '. We do not understand why we are being requested to cancel or withdraw the transaction since we are interested in the property. We do not understand the increase in the amount from {$410000.00} ( BPO amount ) by another {$40000.00}. 
12. We suspect there is a foreclosure/short sale scam going on in the sale of this property. We have not been given an explanation from the bank or sellers agent as to the status of our offer that was previously accepted by seller and is the same as the bank assessed value of this property. 
13.We would lrequest CFPB to look into the short sale status of this property and help us understand if what the bank is doing is legal or if there is a foreclosure scam preventing us from getting this property.
Product: Payday loan, title loan, or personal loan

I paid {$500.00} XX/XX/XXXX to XXXX XXXX or XXXX XXXX {$4000.00} in return. Nothing received I paid {$1000.00} XX/XX/XXXX. Loan fee. I never received loan. Only false promises I paid {$70.00} subscription fee in XX/XX/XXXX. Then after i paid they said only pay when you receive loan. But my fee was never returned Now i have to pay {$5.00} fee to receive my money back. 


Please help me. Im desperate They stopped responding to emails. 
All social media platforms do not accept comments. 
If your not a scammer why are they hiding.
Product: Credit reporting or other personal consumer reports

My report is showing an XXXX XXXX XXXX  that was updated because of an appeal in XX/XX/XXXX but the XXXX  and XXXX  was from XXXX which is 8 years way past the statute of limitations.
Product: Student loan

I have Parent Plus loans for my daughter, who is still attending school at XXXX. After she enrolled for summer semester in XXXX, Navient didn't put the Parent Plus accounts in deferred status, even though her own loans with Navient went to deferment. I have a payment plan set up for my own loans, which I was paying the specific amount as agreed to in the loans and had been sending a note delegating how the accounts were to be paid with each automatic-electronic payment. After many calls and forwarding enrollment info since mid-XXXX, Navient would not defer the Parent Plus loans, even though I sent proof that the student was enrolled. The school was also contacted with this information to send to Navient, and showed the student 's own loans were in deferment with Navient. During the next 4 months, Navient automatically applied the payments I made to my separate loans due for a specific amount to the interest due on the Plus loans, even though I sent memos delegating payment, putting my loans in " late payment '' status. They had actually been doing this for about a year, even when the Parent Plus loans were in deferment and nothing was due, that's why I had been sending the memos delegating payment. After 7 months of having to call customer service and have my payments redirected to the loans that were actually due as agreed on through Navient, no one could give me a reason why money sent was not going to loans in repayment and instead were applied to INTEREST of loans not due. It took me nearly a year to be able to set up an income-based repayment for specific those amounts due and since XXXX, I have instead been specifically going on-line to Navient, com every month to make custom payments as to ensure my payment was going to the loan as specifically intended and set-up by Navient. If you set up automatic payments from your bank on-line with Navient directly, money is pulled from your account and applied at Navient 's discretion, at any time. I fought with Navient for about 4 months about the Parent Plus Loans not being in deferment, but nothing was done by Navient and now they will not remove this from my credit, which will now keep me from being able to consolidate these loans after the next tax season. I have made formal complaints to Navient directly over the past 4 years about their ongoing deception. I have made complaints to credit agencies, FSA and even contacted the XXXX  about Navient 's unethical practices with no help. I have had NO problems credit or payment-wise with any other company except this one. I make payments in full up-front when offered, almost automatically- electronically through my bank and on time-every time. My credit proves that.