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

On XX/XX/XXXX I got a call from the Wells Fargo customer service number while I was busy at work claiming my credit card was being used for fraudulent activity in Georgia. Im in California. I asked why it wasnt posted on my credit card yet and he said it was because they already took care of it for me and blocked the transactions and that it just hadnt updated yet. I just needed to reset my password with them and get a new card sent to me. I had done this before with my bank from previous fraud but forgot what the exact process was to do this. I asked if they could confirm they were Wells Fargo and they said to match the number with the one on my Debit card, it was exact. This was enough confirmation for me because I had never heard of my banks number and ID being able to be faked or that they arent supposed to call you. I did not verbally give them my password, they explicitly said not to state it on the recorded line. I entered it through a XXXX digit number that looked like XXXX XXXX automated system text line because it prompted me to update it there. They then stole my username and password, they got into my online banking and did a cash advance on my credit card, maxing it out, for {$2800.00} then wire transferred {$3100.00} out of my bank account to a brand new recipient named XXXX XXXX. I do not know this person, for all I know they used a fake name. I tried to block the wire transfer but it went through the next day anyway. He said they were working on getting it resolved and a new debit card would be sent. At the time they were so convincing I thought they were a real Wells Fargo representative. I called Wells Fargo back on XX/XX/XXXX and asked what was up with the fraud on my account because I saw no updates on the wire fraud. They said they started a reversal on my wire transfer and put in a claim for fraud but didnt confirm if the person who first called me was actually from Wells Fargo XXXX I then assumed they spoofed their number because nothing the first guy said added up with the second call I made to them as they said nothing was done for my account yet. They said the money went to another Wells Fargo account so I have asked them to investigate this account for fraudulent activity or if they could get the IP address of the person that logged into my online account, but I have not had any success with them clarifying theyre helping me with any of this or have gotten them to give me any information on this individual. I closed my account for the weekend and changed all my login information again. I called my XXXX XXXX, XXXX, as well to see if I could get their real phone number and the technician on the phone was surprised to see that on the network it was still showing the fraud call as the Wells Fargo line.
Product: Payday loan, title loan, or personal loan

After BarclaycardUS.com rejected one of our XXXX XXXX account checks [ with one of our vendors ] accompanying with the offer of 0 % promotional APR through at least XX/XX/XXXX, on XX/XX/XXXX. We called around XX/XX/XXXX to find out what was the problem when we were notified by mail. It is now after to the XX/XX/XXXX deadline for the offer to remain valid. Meanwhile, another 0 % APR offer arrived with a deadline of XX/XX/XXXX. The representative now asks us to file out the application online for the balance transfer to be honored. We asked if XX/XX/XXXX, the new 0 % offer could be applied to this application since we will not get a decision on this online application until after the XX/XX/XXXX deadline. The representative stated this new offer was good to apply to our online application and she would make a note of it in our account. After paying {$250.00} in fees for this approved balance transfer, we were shocked to learn on our first statement no promotional date was applied and we were being charged another 16.24 % interest for the vendor balance transfer due XX/XX/XXXX. We called again asked them why the new offer with a promotional date of XX/XX/XXXX, was not being applied and they stated that offer was not applied to the loan transfer and standard rates applied. I told them that someone lied to us then and we would not have made the transfer only to take our business elsewhere & pay another balance transfer fee. Our balance has been at XXXX for years and it would have remained at XXXX if what we were told by them while filing the online application was not true. Their response : They would not admit they lied to us and did not care if we found another 0 % offer with our over 800 credit scores. BarclaycardUS.com provided misleading facts during our application process and lacked in its fiduciary duty to lending to the public. They never came out and stated this application will not qualify for the new offer. We thought we had an agreement that included the new offer with a promotional date of XX/XX/XXXX, and 0 % until that date was reached.
Product: Payday loan, title loan, personal loan, or advance loan

1. Possible finance never provided any statements.

2. Possible finance does not provide any account numbers and number reported on XXXX and XXXX do not appear on any document. 
3. Possible finance only reports the amount borrowed, not the correct total amount after interest.

4. Possible finance does not have a direct email, only prefilled subject that do not provide the right subject leading to miscommunication.

6. Possible finance does not provide any account statements anywhere in the app. 7. After a loan
payment has been deferred, possible finance continues to send harrassingand threading emails, phone calls, and text all with no live person to respond to.

8. A screen shot is provided where my loan is deferred with future dates but a threatening message is displayed at the top.
Product: Checking or savings account

Missing funds from my cash app account. Funds were taken out unauthorized
Product: Debt collection

I don't check my credit report much but after recently checking I've found a lot of discrepancies. I have no clue who this company is or where it originated. I want it removed as soon as possible.
Product: Mortgage

I previously filed a complaint against Rushmore through CFPB Case Number XXXX. Rushmore closed the complaint out with a reply, but the reply does n't make sense and leaves all our issues unanswered. <P/>The following are in Rushmore 's own words under quotation that prove that they are not being straightforward : 1 ) The {$44000.00} .. is the amount comprised of thirty-one past due principal payments. ; This amount would need to be added to the current unpaid principal. Obviously, if you add principal payments on top of unpaid principal then you are trying to collect principal twice.
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2 ) Rushmore advised you that the investor did not approve a modification outright ; Rushmore is unable to provide you with a breakdown of the modification terms because it has not yet been underwritten.. If these are true then we need to wait till the modification review is complete and the modification is definite. Why are you asking me to pay money upfront on a trial stipulation that will not prevent foreclosure? What will so suddenly change after the trial payments? I clearly see this as an attempt to collect money and still force foreclosure.
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3 ) Rushmore has acted in good faith and is in full compliance with all modification regulations ; At this time, the loan is still in modification review status. How can you be in compliance and still be in modification review status?
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I need clear written answers to above so Rushmore and I are on the same page with regards to this modification.
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4 ) IMMEDIATELY : Rushmore needs to immediately send us the check for {$1600.00} so that the roofing contractor can be satisfied. If the roofer puts in a mechanics lien which he is now entitled to put ; the entire modification process will be compromised.
Product: Credit reporting or other personal consumer reports

I've been attempting to contact the appropriate authorities about the errors on my credit report, but I haven't had any success. It's been incredibly XXXX  and XXXX, keeping me up at night wondering about my financial future because these inaccuracies are unfairly impacting my credit score and preventing my credit applications from being approved.
Product: Debt collection

I have requested debt validation information from Parson Bishop National Collection and have not receive any legal documents that show they have the right to collect on this debt or where it came from. They have reported this un validated information to my credit report
Product: Payday loan, title loan, or personal loan

On XX/XX/18 an agreement was made with XXXX XXXX for a personal loan serviced my Lending Point. On XX/XX/2018 I received an email from Lending Point stating that my original Creditor for my loan was not with XXXX XXXX  but rather with another bank by the name of XXXX XXXX XXXX. I was advised to continue making payments to Lending Point on  behalf of XXXX XXXX XXXX. I reached out to Lending Point as well as XXXX XXXX  requesting validity to the Loan agreement that was signed on XX/XX/18 as well as the email that was received on XX/XX/2018. I was told by XXXX XXXX XXXX XXXX that I do not have a loan agreement with them serviced by Lending Point. I spoke with Lending Point on XX/XX/2018 and requested for them to provide me with written validation of the information they stated to be true. Today XX/XX/2018 I received a call from Lending Point stating that my Loan agreement is a valid agreement and per line 21. On the loan agreement stating that the debt can unilaterally be transferred without notice given to me. She went on to state that Lending Point now own the debt and I owe only them. Per my loan documents, it state an agreement with XXXX XXXX and only XXXX XXXX can transfer or assign the loan agreement. Further stating that Lending Point is only the servicing agent for the loan on behalf of XXXX XXXX. She implied that Im trying to get away with not paying the loan. I stated to the representative that I am simply requesting documentation of the agreement that was set forth with XXXX XXXX XXXX, and also documentation that the loan has been assigned to Lending Point. She insisted that the agreement I have is binding and my loan document is proof of validation.
Product: Debt collection

This Collection Was charges off and closed 7years ago. Another agency put it back on my report, is harassing me with numerous phone calls, emails and doesnt want to give me a debt Validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company and Experian refuse to remove the incorrect information reporting on my credit report. I have contacted both Experian and the company XXXX and most recent was XX/XX/XXXX. The company is violating several laws. The company has refused to send any documentation bearing my signature to this date. They continuously reage the debt. The account was showing opened in XX/XX/XXXX, but the balance was updated XX/XX/XXXX. The account is listed as paid, was chargeoff. How can the account be listed as both. This is inaccurate. The account is showing past due 120 days in XX/XX/XXXX, but happened to 30, 60, 90 days past due. The original balance was showing {$6700.00} buth there is no past due amount but yet the Creditor updateed the status on XX/XX/XXXX to paid, was charge off. Under South Carolina law ( S.C. Code 15-3-530 ), the statute of limitations for most types of consumer and business debt is three ( 3 ) years. As an article from the U.S. Federal Trade Commission ( FTC ) explains, the statute of limitations typically begins ticking once a debtor fails to make payments on the debt. 
I will sue both companies based on these laws ; 15 U.S. Code 1681a - Definitions ; rules of construction. ( k ) Adverse Action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I applied for an apartment in XXXX XXXX XXXX, FL. The apartment complex used a company calling itself XXXX XXXX to conduct a credit/background check on me. 

I received a denial from the apartment based on inaccurate information furnished by XXXX XXXX. XXXX is saying I have numerous apartment evictions on my Equifax credit report, and after contacting both XXXX XXXX and Equifax, I received conflicting information. This libelous inaccurate information is preventing me from securing housing and has caused harm to my reputation. 

Moreover, Equifax states they have no record or public record of me having any evictions but XXXX XXXX used Equifax to run its report. 

Further, XXXX XXXX says it would be 3-5 days before they can release my credit report to me. 

I accepted a position in XXXX Florida and need to relocate without the worry of inaccurate information placed on my credit report by this bogus company. I need this corrected asap because I will be homeless if unable to secure housing based on the inaccurate information provided to apartment complexes by XXXX XXXX.
Product: Money transfer, virtual currency, or money service

XXXX deducted {$970.00} from my checking account on XX/XX/20 that I did not authorize. I have filed a claim with XXXX XXXX XXXX but they can not provide documentation regarding how this transfer was done, who did it, where the money went, etc. I have also requested such information from XXXX and have yet to receive that information.
Product: Vehicle loan or lease

My XXXX year old mother ( I am her daughter with a durable power of attorney that covers heal and finances ) took out a vehicle loan with One Main Financial last XXXX ( 2019 ) for {$4500.00}. She is now in poor health and can no longer drive. 
I am trying to sell the vehicle for her but the office of One Main Financial will not 1 ) give me a payoff amount, 2 ) release the title. 
The situation is that my mother already had a signature loan with this company at the time she borrowed the {$4500.00} for the car so the finance company just added the two loans together. I was in the office when my mother signed the paperwork on this loan and I DID ask more than once if the title would be released when {$4500.00} was paid and the loan officer, XXXX, said yes. 
So now I have been trying for a few weeks to get a payoff amt. Finally last week I was given a figure of {$3000.00}. 
I took a cashier 's check for {$3000.00} up to their office today but was told that the title had to be " sent for from the main HQ. '' By snail mail. And they would not give me ANYTHING in writing showing that the title would, in fact, be released. I withdrew the cashier 's check at this point because I do not trust that the title will be released. 
Please advise as to how I can find out : Current vehicle payoff amount and how to be assured that the vehicle title will be released when this amount is paid. 

Thank you, XXXX XXXX XXXX
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the date below, but when I reached out to you, you changed it late from XX/XX/2017 and you place it on XX/XX/2017. 

It was late XX/XX/2017 and now it shows that it was late XX/XX/2017 - that's strange? 

I am not sure how this happened, or how your can your company make this error ... And I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

Had a collection account put on my credit report for a cable provider by a debt collection agency. I have filed a police report and contacted the credit reporting agency to have it removed due to it not being my own. I have lived in the same house for 17 years and do not even have the company available in are area. I have never opened an account. Collection agency will not remove this off my credit report as they want me to pay it and say it does belong to me. 
Will not provide any written documents or contracts that have my signature on them stating I signed up for said service. When I asked them they said they do not have anything as there are multiple ways to obtain service with out a signed contract.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion, Equifax, and Experian for their continued negligence and failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically **15 U.S. Code 1681o**. Since 2022, I have repeatedly disputed **inaccurate information** on my credit report, yet the credit bureaus have **failed to conduct a proper investigation** as required by law. 


Despite my numerous requests, they continue to **verify inaccurate information** without providing any legitimate proof of their verification process. Under the FCRA, credit reporting agencies are required to : 1. Conduct a **reasonable** investigation of disputed items. 

2. Provide the consumer with documentation supporting the validity of reported information. 

3. Correct or remove **inaccurate, incomplete, or unverifiable information** within the required time frame. 

Their failure to uphold these obligations has directly harmed my creditworthiness and financial stability. Given their non-compliance and negligence, I am requesting the CFPB to : 1. **Investigate TransUnion, Equifax , and Experian** for failing to conduct proper reinvestigations in accordance with the FCRA. 

2. **Hold them accountable** for their negligence under **15 U.S. Code 1681o**, which provides for damages caused by negligent non-compliance. 

3. **Direct them to remove the disputed inaccuracies** from my credit report immediately. 

For reference, I have attached copies of my previous dispute letters, return receipts, and responses ( or lack thereof ) from the credit bureaus. I expect a formal response regarding the actions the CFPB will take to address this matter. 
Please confirm receipt of this complaint and provide updates on the status of my request.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I reached out to XXXX to cancel my loan application a day before class started on the day of their deadline. If they were to have processed my request, the loan amount would have been independent of the school. They simply stated that my email " came from an unknown address ''. They told me to reach out to the school, and I did. Then, the school told me to reach back out to them. This went on for multiple weeks. 

The latest communication I received was an apology from a manager at XXXX who said she understood the situation and would reach out to the school for the issuance of a full refund. That is the first email in the chain I will attach below. I reached out several times after, but I was unable to hear back. 

Both parties assured me that the loan would not fund until XXXX XXXX. I submitted my request well in advance on XXXX XXXX, for the 3rd time to cancel my loan. I was not worried about them taking so much time, because I did not think it would come down to all of this. 

XXXX verified that my loan cancellation was not submitted to them by my school until XX/XX/XXXX. This was over an ENTIRE 2 weeks after I submitted for the 3rd time, and an ENTIRE week after the loan was funded! 

After the deadline from my original email passed, XXXX  has been saying that I need to contact the school for a full refund, but the school has said to talk to XXXX 

Additionally, the fees and terms on the website of the XXXX XXXX XXXX XXXX say that they will '' refund all amounts received from the enrollee less a {$400.00} processing charge and less the cost of training materials shipped ( {$850.00} ) totaling {$1200.00}. '' They never received any funds from me, let my loan fund, and then are now trying to charge me for it. 

The amount that reported to my credit report said I paid XXXX of a XXXX loan!!! I disputed with TransUnion and they simply changed the loan amount. 

I never received ANY goods or services, nor " Shipping Materials '', and the amount they are charging me is over $ XXXX well beyond the scope of their hidden : '' conditions ''. I just XXXX and was trying to extend my education and legitimately can not pay for this. 

I am genuinely worried this will go to collections and drop my credit score from XXXX to below XXXX. 

I know the Bureau 's mission is to make sure consumers are " treated fairly ''. This has gone beyond unethical business practices and is extremely unfair. I do not know where else to go. Please help me...
Product: Checking or savings account

I put XXXX into the ATM at Bank of America XX/XX/2023 XXXX XXXX XXXX FL, they allow me to know that they apologize for the inconvenience, And was not able to process my request and did not return my Money item ( s )
Product: Student loan

Hi, I was working with Navient on my private student loans. net over documentation several times to them uploading through their portal and sending via email ( at least 5 times ). Each time, they claim non receipt. All while this is going, they told me that my account is being place in forbearance and there would not be a payment as they are reviewing the documents and setting up my payment plan. I kept calling only to get wither your paperwork was not received again or it is with the VP for review during his monthly review of accounts, however, have no worries as they will accept the payment arrangements we have established. Long of short, I called after my credit report showed 90 days late. Today it is showing 120 days delayed. This is inaccurate as I have paid monthly payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX to pay my bill even though I was expecting a credit from overstock commenity. The representative must have disputed the account number wrong because they keep reporting my account late even though I made a payment on an account that received a credit for the merchandise through returns we made. Please remove derogatory listings from my credit report immediately, as you are hurting my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, mn XXXX PLEASE DELETE IMEDIATELY!! 
I HAVE FILED A IDENTITY THEFT POLICE REPORT STATING THIS WAS IDENTITY FRAUD I HAVE NO KNOWLEDGE OF THIS ACCOUNT HAVE NOT LIVED AT THE ADDRESS ITS ASSOCIATED TO IT SHOW AS A CLOSED ACCOUNT THIS IS IN COLLECTION/CHARGE-OFF WHICH IS REPORTING NEGATIVELY ON MY CREDIT REPORT IT IS NOT REPORTING ON EITHER XXXX OR XXXX ONLY SHOWING NEGATIVELY ON TRANSUNION AND I WOULD LIKE FOR IT TO BE REMOVED IMEDIATELY PLEASE. IT WAS ONCE DELETED OFF MY CREDIT REPORT AND HAS NOW SHOWED UP AGAIN AS A CLOSED COLLECTION ACCOUNT AND IS CAUSING ME GRIEF.

15 U.S.C. 1681 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.