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

We were victims of a scam on XXXX and immediately reached out to Bank of America to help us get our money back. They have strung us along for 6 months and have decided to deny our claim. However they did refund us approximately {$3500.00} of the money lost. ( approx {$12000.00} ). By refunding some money we believe they have admitted they believe we were victims of fraud. 
We have police reports and a detective who worked on our case and there is no question that we were the victims. ( police report attached ) Bank of America now says that we transferred the money to a valid signer on the account. That is 100 % inaccurate information and we have fought with them for 6 months. We reopened the claim several times and now they have just shut us down. We have no other signers on our accounts and have been financially ruined by this loss. 
This is very unfair and unjust. We were the victims and now Bank of America has decided we were involved in the scam. They are impossible to reach- each call made involved at least an hour of waiting. 
We are looking for financial restitution of our money now!
Product: Credit card or prepaid card

Two consecutive months I have tried to login to pay on the due date and the website always gives me login errors or says temporarily unavailable. Shortly after the XXXX XXXX  cutoff when payments are late, I'll be able to login again, but will be too late and have been assessed a late fee both of the last two months
Product: Student loan

I took out a private loan, XXXX XXXX XXXX, from Navient on XX/XX/2006. My father-in-law cosigned this loan for me. I still have a balance on this loan due to it being in deferment when I went back to school for my XXXX XXXX XXXX and due to the government halt on student loans for COVID relief. My father-in-law is in very bad health, has retired, and is not in the financial shape he was in back in XXXX. He has requested to be taken off the loan as a co-signer. I have called Navient to get this taken care of, but they will not work with me at all. I could get another co-signer added to the loan in place of my father-in-law so he will not have to be burdened with it. He did me a favor at the time he agreed to be a cosigner which I appreciate. I did not intend for it to eventually cause him distress and have an impact on his financial situation.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc . ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( cfpa ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( efta ) and regulation E these actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit card or prepaid card

So, I opened a credit line with Capital One for the sole purpose of transferring balances from other credit cards without interest for a set term. I submitted 3 transfers, and all were added to my Capital One balance. However, regarding 1 of these transfers ( {$2600.00} ), the payment was never received by the payee ( XXXX ). After disputing this charge with Capital One, and constant calls with Capital One and XXXX : XXXX still claims that they have never received the payment, and Capital One claims that XXXX has declared reception of this payment. Capital One refuses to show me proof of XXXX  claim, leading me to believe that XXXX has not received the payment. The balance transfer in question is worth {$2600.00}. 
Around XXXX XXXX, when I initially called to inquire on the transfer, a representative from Capital One claimed that the payment was sent by mail. Then, in around XX/XX/, a different representative from Capital One claimed that I entered the XXXX card number incorrectly, but, that I can cancel the transfer ; I requested that Capital One cancel said payment. 
Every time I called Capital One, I also called XXXX to confirm that no payment was received. 

I also have, on recording, representatives from both Capital One and XXXX on conference call with me. On this call, the XXXX representative tells the Capital One representative that the payment was not received. Yet Capital One still refuses to remove the charge.
Product: Debt collection

IQ data international has been calling me from dozens of numbers over the last 3 years in an attempt to collect a debt I supposedly owe. In that time they have not been able to provide a single shred of paper evidence that I actually owe the debt or to where I should send my payment, despite my providing them with a valid and current address.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was charged overdraft fees. 
This issue appears consistent with recent findings by CFPB, which indentified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

As you are aware, the Fair Credit Reporting Act states that I have a right to challenge all inaccurate information listed within my consumer reports. In addition, Code 15 U.S.C. Section 1681 states that I have a right to privacy and all inaccurate information must be removed from reporting. I want these collection accounts removed due to inaccuracies and the time allowed for reporting collections has exceeded seven years. 15 U.S.C. 1681 Section 604A states that a consumer reporting agency can not furnish an account without my written permission. Thus, I want the collection accounts listed below removed from my consumer reporting with all bureaus. 

1. Collection account name : XXXX XXXX XXXX  Account # XXXX Ive previously requested that the bureaus investigate this information and remove accounts. Im requesting that this account be immediately removed.

2. Collection account name : XXXX XXXX XXXX Account # XXXX Ive previously requested that the bureaus investigate this information and remove accounts. Im requesting that this account be immediately removed. 


XXXX XXXX
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> Chase Auto Finance Attn : Opt-Out Department XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Opt-Out Request for Sharing Personal Information with Unaffiliated Third Parties NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT Dear Sir/Madam, I hope this letter finds you well. I am writing to request an immediate opt-out from the sharing of my personal information with any unaffiliated third parties by Chase Auto Finance . I recently became aware that Chase Auto Finance has been furnishing my personal data without my explicit consent and without permissible purposes. This practice raises serious concerns about the security and privacy of my personal information. 

As a responsible individual, I understand the importance of protecting my personal data and maintaining control over how it is used, shared, and distributed. It is my right, under federal law, to control the disclosure of my personal information to third parties. Pursuant to the provisions stated in the Fair Credit Reporting Act ( FCRA ), Section 603 ( d ) ( 2 ) ( A ) ( iii ), I hereby exercise my right to opt-out of any sharing of my personal information with unaffiliated third parties. 

I respectfully request that you immediately cease sharing my personal information with any unaffiliated third parties, as well as confirm in writing that my opt-out request has been processed. Please be advised that failure to comply with my request may result in legal action being taken against Chase Auto Finance. 

To facilitate the process, I have included the required information below as follows : Full Name : [ XXXX XXXX XXXX XXXX Loan Account XXXX : [ XXXX ] Please ensure that all my personal information is removed from distribution lists, shared databases, or any other sources used for information sharing purposes with unaffiliated third parties. Additionally, I request that you remain compliant with all applicable laws and regulations concerning data privacy protection. 

I expect your prompt attention to this matter and request a written confirmation, stating that my opt-out request has been successfully processed. This confirmation should be sent to the address mentioned at the beginning of this letter. 

Thank you for your immediate attention to this matter. I trust that you will handle my personal information with the utmost care, respecting my privacy rights. I look forward to receiving your response within 30 days of the date of this letter. 

Sincerely, [ XXXX XXXX XXXX XXXX
Product: Debt collection

5yrs ago I got Solar Panels and the sales person completely misrepresented herself-that has been dealt with HOWEVER, I have been sending in monthly payment on both of my systems ever since and NOTHING is being applied toward the principle and they apply everything to the interest. How can the get away with not applying anything toward to principle and everything to interest. AND I was suppose to have a sent payment to pay monthly to pay this off, and I don't have that either. My monthly payments bounce all over the place. How can Tesla just put a different payment every month with NOTHING going toward the principle. They are worse than a loan shark. Please investigate their lending practices.
Product: Debt collection

I received a phone call from a debt collector claiming to be from a law office on an old credit card account that was from XX/XX/XXXX. The man that I spoke to was named XXXX at XXXX he attempted to call me several times while I was driving but the call kept dropping. When I was finally in an area that I could return a call to him, I did, and the following conversation transpired that left me feeling UN-eased and uncomfortable. He asked me if I was going to take care of the debt, and I replied no because there was a savings account attached to that credit card that would be used in the instance that I defaulted on the credit card. He told me no there was n't and I replied yes it was from XX/XX/XXXX, then, he told me that the account was opened by me XX/XX/XXXX. I then told him that I did n't go by the name he was stating over the phone since XX/XX/XXXX when one year later I went into the XXXX and the military legally changed my name to my maternal mother 's last name. So I told him good luck proving that I existed by that name XX/XX/XXXX, because I 've been going by my maternal mother last name since XX/XX/XXXX ; at which time he responds to me by saying I knew you were a transgender and bye. So what recourse do I have to pursue any matter in this situation with this certain individual that totally got it wrong and made a derogatory offensive remark to me?
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian offered a credit report service and said that i could cancel within a few days if I did not like the service. My membership number is XXXX I did not like the service and want to cancel. It is very hard to cancel the service and the only way to cancel the service is to call them. There is not way to cancel membership online. 

I have been on the phone waiting for 1 to 2 hours without any response trying to cancel the service without any response from Experian. 

Please help me cancel my service asap
Product: Debt collection

Portfolia file sue. the Judge entered a order of dismissal. They refused to remove from my credit report. It has been three years even after many attempts.
Product: Credit card or prepaid card

I have been an exclusive Apple device owner & user since XXXX, with no problems whatsoever. My troubles started after buying a new XXXX XXXX XXXX XXXX '' w/touch bar in XX/XX/XXXX. 

I made my first-ever call to Apple Support at the end of XX/XX/XXXX and had to continue calling more and more as I was implementing the troubleshooting instructions from the Apple senior tech experts. The Apple tech employees were all telling me, and I quote, " XXXX XXXX, I have never seen anything like this, so my conclusion is you have bad XXXX data, '' I was then instructed by several different Apple Senior Technicians experts to delete my current Apple ID and all its content and create a brand new one with a brand new password, fresh start. And, of course, we will not be recovering or restoring from any backup. I was readily willing to lose all of my data to get out of this rabbit hole I had been sent down. So that's what we did " 6 TIMES ' IN within XXXX XXXX. I would have a story of XXXX apple Id attempts, but I refused to do the same troubleshooting techniques over and over again, expecting a different result, but they certainly were. Long story short, I declined the last two Apple employees that were only willing to continue helping me if I deleted and started over again. I couldn't believe how rude and admit that they were to me. 

During this process, Apple 's tech employees managed to single handily destroy my XXXX excellent credit rating in 120 days. When I found out about this through a letter from Goldmann Sachs, I called Apple immediately, not even worried a bit because I knew Apple would quickly see that their senior technician made a mistake when giving full detailed instructions to me. I know he didn't do it on purpose, and he apologized several times over because he is only human and forgot to tell me some crucial steps before deleting my Apple Id. It's really appalling how clearly simple this one is. Apple got my Goldman Sachs Apple card " Closed By Creditor '' with no reason given because they had none. I have proof that my account was in perfect standing, and the first payment wasn't even due yet. I had only had the card for 3 months and used it one time at brunch for {$24.00} dollars ; with a credit limit of {$15000.00}. 
I was doing nothing more than following the directions from a qualified Apple senior tech employee. That one incident, of course, was reported to the three major credit bureaus, which raised a huge red flag in the system and caused all of my creditors to panic. Well, to say the least, the ripple effect from that literally took my credit score from XXXX to XXXX. 

XXXX XXXX XXXX XXXX credit limit was {$21000.00}. They automatically lowered it to {$6000.00}. I had only used {$5800.00} out of my {$21000.00} available. 

XXXX XXXX XXXX credit limit was {$30000.00}. They auto-lowered me to {$10000.00} *XXXX  XXXX was {$2100.00} Auto-Lowered to XXXX ect Goldmann Sachs Has already admitted it was a huge mistake, they sent me a check for {$250.00} dollars LOL, and offered my card back with same credit line
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting an inaccurate debt. Account number XXXX for {$4000.00} has been updated to my Experian credit report and is being reported as a collection on XX/XX/2016. The company has failed to provide me a valid copy of any agreement to this debt after several attempts. I dont own this debt and have not received any valid agreements showing my signature.
Product: Credit card or prepaid card

XXXX - I called to inform Discover that there are new pending unauthorized charges XXXX - I was denied the right to pay the balance in full, Discover representatives say they can't take a payment due to the fraud activity If I don't pay the balance in full on XXXX XXXX will report my current balance to the reporting agencies and my XXXX will be negatively affected, I do not carry balances past the 30 day cycle periods which, for XXXX, occur the XXXX day of each month.
Product: Credit reporting or other personal consumer reports

Incorrect account that said I opened which I didnt. I dont understand the account or why I have it opened or when I opened it cause I dont even be at this store. Im not no XXXX XXXX fan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card through XXXX XXXX XXXX  reporting a {$39.00} balance to credit reporting agencies. There is NO BALANCE on this car. This is my wifes credit card and she added me as a user on the card ( to build my credit rating ). The {$39.00} is the annual credit card user fee. The fee has been paid in full. 
This needs to be removed from my credit report
Product: Debt collection

I hired XXXX XXXX XXXX last year to help consolidate and pay off credit card debt especially my Discover account which had a big balance. As the months went by they were never paying Discover. At the end of XXXX last year my checking account had a levy put on it and all my money was taken in a garnishment. This was the day before rent was due in a new apt . I was left with nothing to pay rent or anything for food and to survive. An attorney 's office working with Discover did this for non payment. After going back and forth with Discover and XXXX XXXX XXXX. Discover stated they would have taken {$250.00} a month towards my debt and XXXX said that Discover would never negotiate so they made no payment and yet I was paying XXXX {$440.00} a month. That weekend I starved and was worried I would be kicked out of my apt . which had just happened to me because the place I had rented for 3 years the landlord died and the family wanted to sell the house and I had to move within 15 days.
Product: Credit reporting or other personal consumer reports

Dear Equifax I am filing this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) to formally request that you block fraudulent information appearing on my consumer credit report within 4 business days of receiving this letter. The inaccurate and false information on my report consists of the following fraudulent accounts and inquiries that were not opened, made, or initiated by me : Fraudulent Accounts : XXXX XXXX XXXX : An auto loan account opened in 2021 under account number ( private ). Department of EducationXXXX : A student loan account opened in 2021. Fraudulent Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a list of these fraudulent hard inquiries, as well as a copy of my consumer FICO credit report maintained by your agency, which highlights the fraudulent accounts and inquiries. These unauthorized accounts and inquiries have negatively impacted my credit and are the result of identity theft and fraud. Additionally, I have attached a copy of my FTC Identity Theft Criminal Complaint, case number ( XXXX ), as supporting documentation. Please process this request promptly and block all fraudulent accounts and inquiries listed above from my credit report.
Product: Mortgage

I have contacted Wells Fargo several times about removing me off Covid-19 assistance with no success. I have talked to the following people since XXXX who have all told me that I was being helped and removed but I have still not received this letter that I have been waiting on for for weeks that Im supposed to get notarized : 1. Supervisor and Va Loan Specialist XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX 5. XXXX 6. XXXX 7. XXXX 8. XXXX 9. XXXX 10. XXXX 11. XXXX 12. XXXX I have been faithfully paying my mortgage on time and have made several payments after I was supposed to come off the Covid-19 assistance program in XXXX for the months of XXXX and XXXX. Wells Fargo continues extending me on this program that I have repeatedly been asked to be removed from. They have also placed me on a loan modification which I do not want. Everyone drops the ball, makes excuses for the previous person Ive talked to and tells me they have corrected things only for me to be deceived again about what is going on and still in the same place when I started this process in XXXX of being removed. 

The only reason I did the program is because I was placed on quarantine at the beginning of the pandemic and had to miss work. I was not sure how things would transpire so I joined the program to be safe. 

Wells Fargo has done the following : stopped my direct withdrawal setup of my payments without my permission before the assistance started, kept me on the covid assistance program against my will, passed me off deceptively to people who they say they are supervisors but are not, continues to misinform me of the date Im to receive the letter to get notarized, acts like they are taking me off the program and then the next person I talk to says Ive not been removed, have associates who have not been trained assisting customers and not holding themselves accountable to operate with integrity, and they have had me on recorded conversations but dont seem to keep a record as they should, as everyone is starting off new with me each time as if Ive never called. Also Wells Fargo has had me on hold on average 90 minutes to speak to a person when Ive made these calls and have their prompts set up so you go around in a circles trying to get to a person which causes you to make wrong selections, and when you finally get to a person, you talk to no less than three because they put you on hold to pass you off to someone else. I also had Associate XXXX never get me to a supervisor when I requested. I asked him three times before he finally put me on hold to contact a supervisor and then he kept me on hold so I finally hung up. 
XXXX from the executive office contacted my husband and he referred her to me and I still have yet to connect with her and its been almost three weeks since they talked. All I want to do is go back to paying my mortgage as agreed before covid assistance and the covid payments placed to the back of my loan as agreed. Thank you for any assistance you can offer
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like these items removed from my credit reports because I am a victim of identity theft.I noticed several inquires on my credit report that I did not authorize. 

Inquiry # 1 XXXX XXXX XXXX DATE : XX/XX/XXXX Inquiry # 2 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 3 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 4 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 5 XXXX DATE : XX/XX/XXXX Inquiry # 6 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 7 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 8 XXXX XXXX XXXX DATE : XX/XX/XXXX Inquiry # 9 XXXX XXXX XXXX DATE : XX/XX/XXXX Inquiry # XXXX XXXX XXXX DATE : XX/XX/XXXX Inquiry # 11 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 12 XXXX XXXX   DATE : XX/XX/XXXX Inquiry # 13 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 14 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 15 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 16 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 17 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 18 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 19 XXXX DATE : XX/XX/XXXX Inquiry # 20 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 21 XXXX XXXX DATE : XX/XX/XXXX INQUIRY # 22 XXXX   XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actica have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.