23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I received an invitation from my Fifth Third XXXX account offering a XXXX percent balance transfer for 18 months. I applied for the balance transfer online and at the end of the application received a message stating I would be informed if the balance transfer was approved. I did not receive any notice that my balance transfer had been approved but a month later I went online to download my mortgage loan statement and saw that I had an outstanding balance on my XXXX account with a past due amount and a {$29.00} late charge ( XXXX statement ). I immediately paid the amount due and called the 800 number on the statement. I explained that I had not received any notice that the balance transfer had gone through and the Bank reversed the late charge. A few days later I called the 800 number again because there was an incorrect charge for {$2.00} ( interest on current purchases ) on my account. The {$2.00} charge was removed. On the XXXX statement there was an incorrect charge of {$1.00} ( minimum charge ) on my account. I called again and the charge was removed. On the XXXX statement there was a charge for {$100.00} for interest. I called the XXXX number again and was told that my zero percent interest had been cancelled because I was late with the first payment. For four months, my XXXX statement showed that I had a zero percent balance transfer and then it disappeared. 
I contacted the branch XXXX ( XXXX ) at the Fifth Third Bank at XXXX XXXX XXXX XXXX, XXXX GA, explained what had happened and was told that she would open an investigation. When I didnt hear back from her, I went to the Fifth Third branch manager at the XXXX XXXX XXXX XXXX XXXX XXXX GA location but all she did was call the 800 number I had previously called and had me talk to a supervisor who told me again that the zero percent interest offer had been cancelled because I was late with the first payment. The supervisor also told me that Fifth Third did not send notices of any kind regarding statements or due/past due amounts. I later found out that XXXX did not open an investigation on my behalf and she refused to return any of my phone calls. I ended up paying {$240.00} and {$100.00} that I shouldnt have had to pay.
Product: Debt collection

This debt was undertaken during an incident that occurred due to being XXXX XXXX XXXX XXXX. When the settlement came in, it was for less than expected and it didn't cover all my bills and time off work. 

The hospital refused to recognize my insurance at the time, stating I would have to be personally responsible for the entire amount. 
I tried repeatedly to work with them, attempting to file for Indigent negotiations, and tried to negotiate a settlement that would have made with my settlement. 

They avoided final discussions, entered it into collections and added to my credit report during negotiations ; even after was told repeatedly that they would not do that.
Product: Mortgage

XX/XX/XXXX, I applied for a loan modification, just wanted to reduce interest only with XXXX. I was lured to miss a few payments in order to qualify for MOD by XXXX representative ( XXXX ) Unfortunately, I was wrongfully denies for MOD.XX/XX/XXXX. Then I had litigation with XXXX and other defendants. My loan was lost ( broken chain of title ), presumably at XXXX XXXX. Even, I presented all evidences at XXXX County Superior court, the judge XXXX XXXX refused to accept the facts. I think he should move in to live with the bank because he made his ruling so much favor to the bank. XXXX! I am woundering why should the court system even exists from the first place. Then, I already submitted my loan modification again ( I have to starte all over again ) through XXXX XXXX XXXX on XX/XX/XXXX. Now, Nationstar Mortgage , LLC served me a " Trustee sale '' dated XX/XX/XXXX again. This is another violation of XXXX. I would like to let the world know my XXXX suffering and enduring for a very long time.Thank you..
Product: Mortgage

Wells Fargo has been extorting money from me for years. While I have brought it to the attention of the Consumer Financial Protection Bureau, nothing has been done about it and Wells seems to take money out of my monthly payments at will. They offer no balance sheets and no clear path to follow the money. They just keep taking money, regardless of any facts. 
In the most recent case where Wells Fargo has bled me for money claiming that my monthly payment was late, I asked what it would take to stop the gouging, how could I get them to stop taking money from my monthly mortgage payments under the cover of late fees? 
On XX/XX/2018 Wells replied, that I needed to give them {$580.00} by the XXXX of the next month ( attached ). So I issued 2 payments, one on XX/XX/XXXX for XXXX and the other on the XXXX for the months mortgage amount {$850.00} Please see attached document B. Yet without fail, on XXXX billing statement, Wells Fargo again charged me late fees. So in XXXX, I intentionally overpaid WF {$48.00}, ( see attachment ), and still they are charging me a late fee. 
It is clear to me, that there is on honesty in their service. There word has little to no value and they clearly can not be trusted. 
So here we are again. I am asking the " protection '' bureau to help with this matter. I have done what was asked of me in the XX/XX/XXXX letter, and I have gone above the request. 
There questions remain the same as they have always been.

1 ) How do you stop Wells Fargo from bleeding me?

2 ) Why hasnt Wells been honest?

3 ) How much more money do they need to stop manufacturing late fees?
Product: Credit reporting or other personal consumer reports

I requested the debit validation letter and purchase agreement with signature, the only letter I received was " debt validated ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

The second mortgage on my foreclosed home was transferred from XXXX  to XXXX XXXX in XX/XX/XXXX. The last payment on this mortgage was made XX/XX/XXXX and was charged off by XXXX. However, XXXX XXXX is showing a new 90 days late payment in XX/XX/XXXX on my Equifax credit report. I should not show a new late payment just because the balance was transferred to a new servicer. I have disputed this error directly with XXXX and Equifax and have received no resolution.
Product: Student loan

-- XXXX  set up and functional starting in XX/XX/XXXX. 
-- Account accurate, has funds. XXXX  due Sunday XX/XX/XXXX -- not processed as of Tuesday XX/XX/XXXX -- account listed as overdue/delinquent, with automatic payment pending. 
-- Called Mohela Tuesday XX/XX/XXXX, was told this is due to a banking holiday Monday XX/XX/XXXX, pending payment should go through by end of day Tuesday XX/XX/XXXX. 
-- Payment still not processed as of Wednesday XX/XX/XXXX. Account listed as overdue/delinquent. Called Mohela XX/XX/XXXX to inquire why payment for XX/XX/XXXX still did not go through as of XX/XX/XXXX -- told that the payments can take 3 or more business days to post (??? ). 

This is not how XXXX  works, and is incredibly misleading financially on so many levels. An auto payment for a Sunday should not need until the following Friday to process.
Product: Debt collection

Been disputing the company for years to validate the debt on all the bureaus..the company has not reasoned but update the disputes has my account but never sent me anything showing me thats my debt ..please seen original contract thats validate thats my debt or account
Product: Credit card

I 'm a XXXX vounterable adult and I have a issues with only having a XXXX grade education I collect XXXX since I was XXXX I 'm XXXX now I am being sent to court cous I choose to eat meals an sleep in a warm place It 's spring out now I can live outside an I do n't have do much to pay other than mm u debit my only suggestion
Product: Credit reporting, credit repair services, or other personal consumer reports

i called XXXX XXXX XXXX over a year ago about the complaint because i returned the item and was not going to pay for an item i returned. they said they fixed the problem but i still kept recieving notices in the mail stating i still owe. this occurred 3 consecutive times until the 4th time i calles it was finally resolved and they sent me a check in the mail for {$33.00}. they also said that they would report it to the credit reporting agencies to fix my credit but my credit was never fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am requesting that the following inaccurate and Fraudulent items be immediately investigated and Deleted. This misleading information in order to show my true credit history. I demand that the following items be re-verified and deleted from my record in the next 4 days I have attached the FTC report along with my SSXXXX and Driver 's License. 

This item do not belong to me. 

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 card or prepaid card

I ordered airline tickets online, and only after paying for them, upon receiving my online confirmation, I noticed that it was not what I agreed to ( in that, they added an additional stop to the trip ). 

I promptly called up the online company ( from where I had purchased tickets ) and asked for a refund. The rep. told me that they would charge me a cancellation fee. After some back and forth I requested that the charge be cancelled, both on the phone and via email. 

I then called up my credit card company & tried to dispute the charge, but the charge had not been posted yet, so they said to call back only after the charge was on the bill. I asked the CC company rep. to annotate the incident. 


Some of the charges are still in dispute, however one charge was upheld because the credit card company failed to address it. Meaning it was overlooked despite me addressing it. 

What happened was, upon receiving the initial notice saying that i failed to address some charges, I called up the CC company, and after speaking to a disputes rep. i was told that they would apply the rebuttal / reply to all the charges. I even offered to make out separate emails ( basically i had to copy and paste everything 8 times, which i offered to do -- the CC dispute rep. said not to worry about it that she would make the reviewing body aware of this ). They applied the email to all the other charges but one. 


After recently seeing the charge on my bill, i inquired about it and the CC company says that i did not include it in a separate / individual email. I went forth and explained everything to them, they said that there is simply nothing that they could do at this point. 

It's for roughly {$600.00} is there anything that I can do?
Product: Bank account or service

I deposited {$6700.00} ( mostly hundreds ) into a Bank of America ATM ( XXXX XXXX XXXX, XXXX, CA ) on XXXX/XXXX/16. The ATM counted {$4200.00}. I requested to remove my money, as the amount shown was off by {$2500.00}. The ATM gave me back {$4200.00}. I immediately went into the branch and told a manager what had happened. She informed me that they have no control over the ATMs, and gave me a phone number to call. I stayed at the bank and called the number from the bank phone. I spoke with a person who told me I 'd be issued a temporary credit of {$2500.00} while they investigated. I was satisfied, as I was sure they 'd identify the problem. 
Yesterday I received an electronic letter from Bank of America saying they did research, did not find the {$2500.00}, and that the credit to my account would be removed. 
I use this specific bank account to pay bills only, and deposit exact amounts into the account. My business accounts are through BofA, through which over $ XXXX per year circulates. I have been banking with BofA for over two decades. I have never filed any complaint or had any issues. I called and asked to speak to someone in the research department to see what the research consisted of exactly, as I ca n't believe {$2500.00} can go missing. The person I spoke with told me the research department had pulled data from the ATM and determined that I deposited {$4200.00}. This was, of course, the exact problem I had encountered the day I deposited the money. I asked if the money in the ATM had been counted, and was told only that the money is collected once a week and that there is no other information. 
I am very uncomfortable with what has happened. I am shocked that I have completely lost {$2500.00}, and that there does not seem to be anything I can do about it. I was told that someone from the research department would call me back yesterday within 2-4 hours, but no call ever came. 
I hope someone can help me ... I ca n't stand the idea that {$2500.00} is simply gone from my possession. As I mentioned to the person I spoke with over the phone at Bank of America, if the amount was {$100.00}, or even {$200.00}, I may be convinced that it was my error. But this is impossible for an amount of this size. 
Please help!
Product: Credit reporting

Equifax refuses to provide paper documents to prove that the United States Bankruptcy Court for the XXXX XXXX of NC is reporting bankruptcy number XXXX is indeed being reported to Equifax. This involves a dismissed chapter XXXX bankruptcy. I have noted to Equifax that I have spoken with the Clerk of the Bankruptcy Court and they are no reporting this bankruptcy any longer, however Equifax refuses to remove it. XXXX and XXXX have removed the bankruptcy and are no longer reporting it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Repeatedly called my job. Repeatedly called my references. Calls me numerous times a day starting at XXXX. 
I asked them to stop calling my job and they continued and then a representative named XXXX called my job threatening legal action and demanding to speak to my manager. 
I spoke with the manager at this location ... Covenington Credit in XXXX XXXX Al XXXX ... and told her everything and asked that they not call my job or references. Told her it feels like I'm being harrassed because I missed a {$99.00} payment when my hours were cut at work. She assured me they wouldn't contact me at work or my references. Then the numerous harassing phone calls started. It has gotten so bad that I blocked them from calling. My phone won't ring but they still get my voicemail. Yesterday they started at XXXX XXXX. Last week it was at XXXX. 

I want them to follow guidelines and asked them to do so and yet they still continue. I don't know what else to do. I am doing side jobs to try and earn the money to pay them. They will not do any type of arrangement during pandemic shut down because I was employed no matter that my hours were cut drastically. I am no longer employed.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I submitted FTC reports and all Identity verification and the credit bureaus failed to fix/delete items on my credit report. Credit bureaus keep sending stall letters to not remove accounts that are in fact not mine. 

Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Employer - XXXX XXXXXXXX XXXX XXXX Employer - XXXXXXXX XXXX XXXX  Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Incorrect XXXX : - XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX  XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit card or prepaid card

PLEASE MAKE THIS INFORMATION PUBLIC I bought TWO XXXX XXXX in late XXXX XXXX for the price of {$990.00} each ; and paid with Apple Card. I paid Apple Card with my checking account for TWO iPhones already ; but Apple Card charged me for FOUR XXXX. 

I bought TWO XXXX XXXX tickets and paid with the same Apple Card. I paid Apple Card with my checking account for TWO XXXX XXXX tickets ; but Apple Card charged me for THREE tickets. 

Theres a pattern of illegal charging by Apple Card. 

All Apple Card has to do is to get the purchase receipt from the XXXX XXXX, MN XXXX store to verify how many XXXX I purchased. Apple Card can do the same thing for XXXX XXXX tickets. 

I have attached two Apple Card explanation screenshots for more information.
Product: Student loan

On XX/XX/XXXX it came to my attention that XXXX payments made on XX/XX/XXXX ( {$350.00} ) and XX/XX/XXXX ( {$350.00} ) had not posted to my Navient account. I submitted an online request for assistance. I received an email back saying they had not received the payments and to please send a copy of the bank statements. I immediately ( same day ) attached copies of the payments from my bank and emailed them back. I did not hear back from Navient. On XX/XX/XXXX I called Navient to follow up. They said they had no record of my email and asked me to fax the documents to them, which I did that same day, XX/XX/XXXX. After not hearing back again, I called on XX/XX/XXXX at XXXX and was told they received the fax but did n't not have any record of the payments. I asked to speak with a supervisor ( XXXX ). XXXX told me she would submit an inquiry to XXXX XXXX since they were probably lost in the transfer of my loan from XXXX XXXX to Navient and to check my account in XXXX weeks. After payments we still not posted, I called again on XX/XX/XXXX and asked to speak with a Supervisor ( XXXX at XXXX ). XXXX said the information I submitted was not sufficient and they need the Electronic Fund Transfer ( EFT ) numbers. I informed her my bank does not have access to EFT numbers but I had submitted copies of the payments that included the confirmation of payment numbers. I asked to speak with a supervisor and the call was disconnected by them ( I called from a land line ). Navient has never followed up with me, they did not send confirmation of receipt of my email or fax, nor did they ever reach out to me to let me know the status of my claim. They have never contacted me to help resolve the missing payments, even after hearing back from XXXX XXXX on XXXX XXXX. I am writing to ask for your help. I 'm not sure what else I can do. I have copies of my bank statements showing the payments, Payment detail receipts showing confirmation numbers and a log of my contact with Navient. 

Thank you, XXXX
Product: Money transfer, virtual currency, or money service

I recently booked a house thru XXXX XXXX from friends. The friends told me they revised the payment amount to a lower dollar. I looked on XXXX and noticed there was no evidence of the adjustment. They still charged me the full amount. I then started looking at some XXXX transactions where XXXX had refunded a portion of the purchases. I see 3 transactions were a refund should have been processes however I was never refunded. XXXX never credited me the refunds. This seems completely unethical that refunds are happening but the consumer never receives them. How is this legitimate money movement or banking praxtices??? I am attaching just 3 images of expected refunds. Now i have to go and see what else is missing.
Product: Credit reporting or other personal consumer reports

There is info on my consumer report from XXXX XXXX XXXX XXXX XXXX XXXX THE MOORE LAW GROUP that is a result of identity theft. I did not provide written permission or instructions for identification transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : or is my request to block being made based on a material misrepresentation of fact by me relevant to the request to block the information related to any transaction by me as the consumer
Product: Credit card

We were sent a collection letter in regards to a credit card from Old Navy that my wife and I have no recollection of opening and have never received a bill or notification of an overdue bill. When I called the collection agency XXXX XXXX XXXX XXXX, LP ) concerned about ID theft they said to call XXXX XXXX. I did call and they said that the card was open as an " online '' account and all bills would have been emailed only. I have gone back through my email and can not find any XXXX XXXX bills. Seems very predatory that they sent my debt to collections without ever having sent any notification etc. I can not go back very far in my spam/trash as it disappears after a few months but it doesn't seem right that they now have me on the hook for XXXX. I had to request a paper copy be sent of the charges and just received today, XXXX charge of XXXX made on XX/XX/23 that we have no recollection of purchasing as we have another old Navy credit card that we purchased everything with! We never carry debt and pay off credit cards monthly to XXXX balance and now this will wreak havoc on our credit score not to mention it feels very disingenuous to say they emailed us a bill ( which we never saw ) and charged crazy month-over-month fees!
Product: Credit reporting, credit repair services, or other personal consumer reports

Early Warning Services is a fraudulent information bureau that violates the Privacy Act of 1974 as well as many other laws. 

They hold information on consumers without them even knowing it or without getting their consent. Early warning services very existence is illegal and they need to be shut down. 

This is my second complaint because all they did was give me the runaround from my first complaint. I was told that if I sent my drivers license and social security card over Early Warning ServiceXXXX would send me my report. 

They did not do any such a thing. They sent me some generic response saying I should dispute anything that isn't accurate, but like 90 % of the people they hold illegal information on have no idea what is on the early warning services report. 

What is the CFPB even for if you do nothing after these filing? 

You don't even check the violations to see if the company tried to correct anything. This whole thing is a scam including this process. You got ta pretty much beg multiple times to get big business in America to stop doing unlawful and illegal things. 

Early Warning services is build on unlawful operations and needs to be shut down. How can all these bureaus exist affecting the lives of American who don't even know they exist.