23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My bank accounts information got hacked and the people who stole my credit card information, spend total around XXXX using my credit card since XXXX. The people also hacked my checking and savings account, and used my money to pay off all the credit card transactions that wasnt made by me.The people are very sneaky and set up my credit card as auto pay, so every time when I log into my online banking, the credit card balance always shows as XXXX. Because he only hacked my bank account information, and I still physically have the card, so with the balance XXXX and barely using the card, I never thought my bank information got stolen. I filed a fraud claim after I found out my bank ( Wells Fargo ) information got stolen, but they have rejected my claim and insist since I already paid off all the purchases that was made by someone else within the credit card, so they are not refunded any money back. I communicate with them serval time and even filed a police report, indicating that is wasnt me paying off my credit card, is the people also stolen my check and saving to pay off the credit card. My bank still wont be able to help me, and even dont inform me the final decision. I have to reach out to them and keep calling them in order to get a status. I really wish CFPB can help me, since XXXX is not a small amount for our family. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX 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 .This 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: Credit card or prepaid card

After years and multiple complaints this problems continues to be a mainstay of this bank! The retail account XXXX XXXX XXXX.I have tried to make a payment through your automated attendant which I believe purposely does not function of work since your able to collect late fees and charges and negate any special financing. Extensive wait times or please call back later the norm. By opinion I have no alternative but to find this a ruse that has continued ever sine I obtained my account and even though you profess your " working on the problem : it has not been repaired.. My payment was {$29.00} and now is. {$81.00} and I suspect a late fee. Account number - XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Account Are Reporting to My Credit Report. These Negative accounts are holding my credit report down.
Product: Credit reporting or other personal consumer reports

In XXXX of 2023, I submitted a police report and an identity theft victim 's complaint affidavit to all three credit report agencies. Trans Union removed most of the accounts, but XXXX and XXXX have not complied. I have included Trans Union 's Removal letter. In order for all 3 credit report agencies to be accurate and complete, they must match. Trans Union has removed these accounts INCLUDED IN THE ATTACHED TRANS UNION REPORT, and XXXX and XXXX must follow suit to comply with the Fair Credit Report Act. ALL CHARGE OFFS AND DEROGATORY ACCOUNTS ASSOCIATED WITH IDENTITY THEFT MUST BE REMOVED.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  - {$0.00} XXXX XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX  - {$670.00} LVNV FUNDING LLC XXXX XXXX XXXX {$450.00} XXXX XXXX XXXXXXXX - {$150.00} XXXX XXXX XXXXXXXX - {$150.00} On XX/XX/ I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like XXXX being take advantage of and ignoredonmydisputes.
Product: Mortgage

Spoke to XXXX XXXX XXXX XXXX XXXX Wells Fargo she said they had not mailed the revised copy for the extended date of the trial modification. She stated she hadn't gotten and approval it will be mailed from her Manager. She asked could she give me the terms over the phone ; this is their normal procedure. I stated I need the term of the modification in writing from Wells Fargo because I did not trust their servicing practices and I would lose my home. She stated it would be mailed to me. 
I have not received those documents and I don't want to lose my home. Wells Fargo said they mailed the mortgage assistance trial to me by regular mail but I have not received those documents from them
Product: Checking or savings account

Money will be missing I will reach out to cash app it will say wait cause it pending
Product: Student loan

I have asked for options in repayment several times, because I have been having difficulty paying the full amount monthly. Navient has not given me any forbearance/deferment/payment reduction options. Instead, they tell me I am behind and need to catch up with no other options given. Since, I have been placed on a payment program to catch up. Ive been told that my account will be current as of XXXX if payments are made. The company continues to report NEGATIVE comments on both my credit report and my co-signers, even though we are on such a payment plan, and have asked for other options. I spoke with Navient regarding the derogatory comments on both credit reports, and was told that they will continue to give negative hits to our credit until XXXX, even though we are on such a payment plan to catch up. These negative comments on both credit reports have made both mine, and my co-signers credit drop drastically. Our credit is being hit with derogatory marks EVERY SINGLE DAY! Sometimes, more than once a day! This is totally unacceptable for a company to take advantage of their customers and put them in such a horrific credit state if the party is trying got work with them to resolve the issue and make payments to become current. I WANT THE DEROGATORY CREDIT REPORTS TO STOP IMMEDIATELY!
Product: Debt collection

This is due to the high tolerance rate of hiring people that don't know what they do this was because of the fact that there wasn't nobody in charge at the time and the dealer was nowhere around.
Product: Payday loan, title loan, or personal loan

Complaint | Car Title not received | Waiting for refund | I bought a XXXX XXXX in XX/XX/XXXX. I moved houses in XX/XX/XXXX and requested change of address. 
I paid off the car on XX/XX/XXXX. As of XX/XX/XXXX I have not received my title. I understand from what KIA has told me that at the end of the month of XXXX, the title was sent to the wrong address. 
On XX/XX/XXXX an extra payment was deducted from my account, which a refund was issued via check on XX/XX/XXXX, and again sent to the wrong address. 
I called on XX/XX/XXXX since I had not received the title and because I noticed I paid 1 extra payment. I was told that it had been sent to the wrong address -- both the title and refund. They said a lien release would be issued and sent to my current address and that a new cheque would be issued as the old one would be stopped. 
As of XX/XX/XXXX I had not received anything. I called again and spoke to XXXX, who said that it had been sent to wrong address again, and that a new cheque would be sent out on XX/XX/XXXX and lien request was put into system. 
As of XX/XX/XXXX I had not received anything. I called again, and spoke to XXXX who said that the system notes showed that cheque was to be processed on XX/XX/XXXX and title showed as in process. I asked to escalate, speak to someone and that I would be putting in complain if by XX/XX/XXXX I had not received both the cheque and lien release. I was transferred to XXXX, of KIA Finance, Supervisor. He said that the lien request had been sent in XXXX and the refund had not been re-issued. 
Kia Finance sends mail without tracking number or anything. I requested this service to track the mailing, but was told they did not do that. I had to pay XXXX when I said I wanted to do that, I was told I needed a XXXX Account, which as a personal consumer do not have. He said a lien release was being issued and refund to be re-issued. I should receive both the following week. 
As of XX/XX/XXXX XXXX told me the refund had been processed but not sent. A date for when it would be sent could not be provided. I spoke to XXXX at approximately XXXX XXXX. The lien release had not been processed. I spoke to Debr a Senior Supervisor at KIA, the highest person I could speak to there. No information could be provided. He did not say anything but that a new request will be submitted. It would take another 5 business days to receive further information. He can not provide answers or further information, could not have me speak to anyone else. 
They said I had to write to : Kia Finance Attn : Care Department - XXXX XXXX XXXX XXXX XXXX CA XXXX Below are details of my account. This is poor customer service. There are important documents, sent via non-tracked mailing and with unknown recipient. All of this is the fault of KIA Finance. I expect both the title and refund issued and mailed with tracking and with email tracing.
Product: Debt collection

I seen on my credit report on that national recovery agency had posted a collections for XXXX XXXX XXXX. I have moved several times in the past two years due to school and didnt know I owed them money. I actually still have XXXX  at my current home as my electric provider and still havent received anything in the mail.
Product: Money transfer, virtual currency, or money service

I added money to my account, and I couldnt use it. As the account seemed useless, I tried to withdraw my money. Also this wasnt possible. I contacted the helpdesk numerous times, but all they could say was that the internal team was looking into it. Of course, I never heard back from them.
Product: Debt collection

About two years ago I noticed a hit on my credit report from original debtor, I contacted them by phone asking for proof of validity of debt and all information I gave proved to them that it was fraudulently opened therefore it was removed from my credit report. Then about a year ago I noticed a collection account in the same amount on my credit report. I contacted the collection company, and have sent in writing multiple times for proof of debt and even sent where it was removed from my account because it couldnt be verified as an account opened by me. All I have gotten in response is payment options with no information related to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$3800.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXX ; XXXXXXXX XXXX XXXXXX/XX/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 XXXXXXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS A REPORT REGARDING THE IMPROPER USE OF ME AND MY MOTHERS CREDIT FILES AND REPORTS AND PERSONAL DOCUMENTS SUCH AS SOCIAL SECURITY CARDS AND DRIVER LICENSES ISSUED IN ARIZONA. TOGETHER WITH STATE MOTOR VEHICLE AGENCIES PARTNERED IN A CRIMINAL ENTERPRISE TO STEAL IDENTITIES AND TRAFFIC STOLEN CARS TO XXXX. XXXX XXXX WAS THE FINANCE MANAGER WHO HANDLED ALL 4 CAR SALES FOR ME AND MY MOTHER BUT HIS TEAM ALSO USED OUR CREDIT WITHOUT PERMISSIBLE USE. MY CREDIT PERSONALLY WAS RAN AT XXXX XXXX XXXX ON ONE DAY AND THEN 3 DAYS LATER A DIFFERENT XXXX XXXX XXXX RAN MY CREDIT. XXXX AND XXXX. THEN PROCEEDED TO RUN OUR CREDIT AT BANKS WHERE THESE GUYS KNEW OF HOLDINGS THAT WERE UNKNOWN TO US OR WHERE ME AND MY MOTHER ARE TRUSTEES ON A TRUST WE DONT KNOW OF. THE AMOUNT AND FREQUENCY COUPLED WITH US BEING IN ACCIDENTS AND HAVING NOT HEARD BACK FROM THE LAW FIRM THAT REPRESENTED ME AND A FRAUDULENT ARBITRATION SETTLEMENT IN CALIFORNIA. THIS HAS IN TURN CAUSED PHONE TAKEOVERS ACCOUNT TAKEOVERS AND FAKE CARDS SENT IN THE MAIL WHILE REAL CARDS ARE DIVERTED AND WEB BANKS OPENED TO THEN DIVERT MORE FUNDS. XXXX XXXX XXXX IN XXXX AND XXXX IN WASHINGTON WE HAVE RECEIVED DEBTS FOR AND DO NOT KNOW THESE BUSINESSES HOWEVER THEY WERE UNCLAIMED PROPERTY THAT WAS CLAIMED THROUGH FALSE CLAIMS OR CLONED LLCS EITHER WAY THIS DEALERSHIP HAS USED MY CREDIT IN WAYS THAT HAVE CAUSED IRREPARABLE HARM AND I ALSO SHOW 3 CARS WHEN TRYING TO GET INSURANCE THROUGH XXXX YET I ONLY OWN 1 CAR AND MY NAME IS ON MY MOMS CAR AS WELL SO 2 XXXX  AND THIS 3RD CAR IS A XXXX I BELIEVE FRAUDULENTLY PURCHASED AND MY CREDIT SHOWS XXXX XXXX XXXX XXXX XXXX XXXX AND A FEW OTHERS THAT ALL STEM FROM MASSIVE CAR LOAN FRAUD FROM THIS DEALERSHIP AND IDENTITY THEFT THAT OCCURED HERE. I DEALT WITH SALESMAN XXXX XXXX, CSR XXXX, XXXX XXXX, XXXX AND XXXX IN SERVICE AND XXXX XXXX RAN MY CREDIT AS WELL AS XXXX XXXX XXXX IN XXXX TX AND MANY MORE ITS A MESS, I WAS DENIED LOANS FROM THESE BANKS AND FORCED TO FIND A LOAN ELSEWHERE BECAUSE THESE BANKS HAD LOANS ON THE BOOKS WITH MY INFORMATION AND MY MOTHERS INFORMATION AS WELL. AFTER CONTACTING XXXX CREDIT AGENCIES I FIND OUT THAT I HAD SEVERE MIXED CREDIT FILES AND HAS CAUSED MASSIVE FRAUD IN OUR MUNICIPALITIES AS MOST OF MY INVESTMENTS THAT WERE MUNICIPAL BONDS AND XXXX XXXX HAS SINCE LOCKED ME OUT OF MY ACCOUNTS AND TRANSFERRED ALL THE ASSETS TO A KNOWN IDENTITY THIEF AS EVIDENCED ON MY MVD RECORDS THE LOAN ON THE 2 CARS WE HAVE ARE THROUGH XXXX XXXX AND BELIEVE THESE FRAUDULENT ACCOUNTS ARE ON THE COMMERCIAL SIDE AND COULD BE IN THE NAME OF A FRAUD BUSINESS PARTNER FOR XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit karma sent me pre approval offers from lenders. When I followed their credit repair directions and applied I was denied or approved but required to pay high interest rates and administrative fees. They also opened a checking and savings account promising to reflect my good status as a credit score incredibly. They closed my account with out due cause, provided me no reason and my bills and deposit amounts were frozen. This also caused me to go into bad debt status.
Product: Debt collection

On XX/XX/XXXX I sent a letter to Portfolio Recovery for an account on my credit that is not mine. Copy of my letter attached. I asked them for signed credit application and one statement. on XX/XX/XXXX Portfolio replies that they need my request in writing ( Mind you, I did it in writing then how and why did they reply to me?. ) Their Letter is attached with my reply.On XX/XX/XXXX, They sent me a copy of a statement as proof of debt. On XX/XX/XXXX I reply that the address on the statement is not my address, therefore this shows that the account was opened via fraud. Copy of statement showing wrong address attached. on XX/XX/XXXX they replied that they did not receive the information they requested from me and that they cant complete the investigation to which I replied that I did reply and requested a fraud packet ( Copy of their letter and my response attached ). on XX/XX/XXXX they replied again that since they did not receive the information requested they were terminating the investigation to which I replied what additional information they want from me on an account that is not mine.on XX/XX/XXXX Again they replied that they have not received the information requested and can't complete the investigation. ( Copy of their letter and my reply dated XX/XX/XXXX attached ). On XX/XX/XXXX They said the same thing, they have not received information from me. I replied today XX/XX/XXXX, attached is their letter and my reply. As you can see this company plays cat and mouse and keeps ignoring the fact that I already told them that the credit card statement they sent me contains an address that is not mine, copy of that statement is attached for proof. I no longer know what to do with this company I previously filed a complaint against them and they sent proof, yes but with an address that I never lived at so here goes my complaint again, lets see what they respond to you now. I can play this game with them eternally, let 's see what games they play with you the CFPB.
Product: Money transfer, virtual currency, or money service

I add {$6000.00} to my venmo account and was using the account to pay my employees. I had been trying to send one employee her money but the app kept declining the transaction. I Called the company and was told they would reset the app i then follow the instruction from the customer services rep and waited a few hours to resend the funds, it was then still been declined. I then try to add another card to the app to withdraw the funds. A few hours later I was told they had suspended the account. I followed the instruction from the company to send my id once again I called in to Venmo only to be told they would not release my cash until XX/XX/. I have to wait 7 business days before they would be able to release the funds. In the mean time my employee can not received her check.
Product: Vehicle loan or lease

I reached out to my car loan through Citizens in XXXX XXXX  to apply for a deferred payment for XXXX XXXX XXXX. I applied for this deferred payment plan due to a family members death. We helped our family with some of the funeral expenses. My application was approved over the phone. They stated that they were going to send me some forms via email to sign. They also informed me that once they receive the forms they would reverse the 30 day late hit on my credit. I called them on XXXX because I noticed that there is a negative remark on my credit report showing the 30 day late hit from XXXX Citizens refused to reverse it. They only reversed late hit from January and not to XXXX even though my payment deferred was approved for those two months. They advised that I could appeal it with the credit bureaus and gave me no further options to solve this. The only reason why I applied for this deferred payment is because they offered it. I accepted the offer since my family was going through a loss. I didnt want to fall behind even more.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen. A police report has been sent several times to this company. The other two major credit bureaus have removed them for fraud. Ford Motor Credit continues to report on a fraudulent closed account. A police report has been provided on several occasions. This fraudulent closed item needs to be removed from my credit report.
Product: Mortgage

Our Mortgage was recently bought from XXXX by Shellpoint Mortgage Servicing in XX/XX/XXXXof this year. We received from them in early XX/XX/XXXX a pamphlet of information from them about Points of Contact and way to contact Customer Service. On the day we received this information ( I believe the call was made XX/XX/XXXX ) we called the Customer Service Line as was told that we had a negative Escrow Amount but since we were in Bankruptcy there was nothing more the lady would be willing to talk to us about.
So we called the Point of Contact ( XXXX XXXX ) and it went straight to voicemail and we left a message but did not receive a reply. We tried again ~XX/XX/XXXX and when we called XXXX answered right away. We mentioned to her that we were trying to figure out how to go about paying for our Mortgage since there were no clear instructions on the paperwork and I could not pay online due to the bankruptcy. She said that we needed to contact our Bankrupty POC ( XXXX XXXX ) regarding anything tied to the Bankruptcy and that we had to get a note from our Attorney for them to be able to speak with us regarding solutions to the issues with the Mortgage.
We then went to our Attorney 's office on XX/XX/XXXX and got a letter from him as requested and faxed it to Shellpoint via the phone number provided the following day. We then called XXXX the following Monday or Tuesday and it went straight to voicemail. A message with all the necessary information was left which included wanted to talk about issues regarding the Bankruptcy, and a Home Repair Escrow that would have been transferred from XXXX.
After receiving no response from XXXX the following Monday or Tuesday we called both XXXX XXXX and XXXX and were taken again straight to voicemail. Messages were left according to the instructions and as of now ( XX/XX/XXXX ) I have not heard from them or any representative of Shellpoint Mortgage even though I have reached out multiple times.
This is obstructing our families ability to repair our home since there is a Home Repair Escrow Balance and as such is limiting our options in terms of resolving the Mortgage in an amicable fashion with Shellpoint. We have reached out to them multiple times in good faith and it feels like they refuse to work or even talk to us.
Product: Credit card or prepaid card

Called to close card but still receive the annual fee statement for next year. I am not renewing this card, so I shouldn't pay the annual fee for this coming year.
Product: Credit reporting or other personal consumer reports

In XXXX of 2024i permanently opted out of promotional credit screening with the three credit bureau ( XXXX, XXXX and Experian and all three credit bureaus are still doing soft inquiries into my credit without my permission after I opted out. 
XXXX XXXX I opted out from them a year ago and they are doing up to XXXX credit check per month. 

I called today and all three credit bureau their representative stated it says I am opt out. I asked them then why are the credit bureaus still checking my credits. XXXX is also doing soft check on my credit. 


Why arent these companies not following the guidelines set by CFPB