23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On Tuesday, XX/XX/XXXX i logged into my Truist bank checking account to pay some bills. i was shocked to see that i had no money in my account. I immediately called the bank and learned that money was transferred from my Truist account to my XXXX XXXX XXXX credit card. The cyber criminals transferred {$2100.00} to my XXXX cc and then tried to get an advance which is when XXXX noticed thish suspicious activity and flagged my account. 
To date, i have spen 12 days dealing with these 2 institutions trying to get my money back. The funds were not ever received by the criminals but these institutions have failed horribly in leading me through this process to secure my money. I had not a XXXX to my name except for these funds and now my bills have gone unpaid, fees have accrued and i have spen over a hundred hours trying to get this resolved. Every call i make results in yet another task for me to complete. Even today when i spoke to XXXX at XXXX he told me that the Truist fraud department needed to send them a statement called, Holding Harmless to release the funds. Why wasnt that told to me in the beginning, This is just one example of the challenging process i have had to endure and spend every moment during and off work dealing with this extroadinary dysfunctional institutions on both ends The incompetancy of both of their fraud departments is incomprehensible and i'm have been made the victim not once but over and over again. I reached out to the states attorney office and connected with a staff attorney named XXXX who gave me homework to do to register my complaint. There is so much more but this would take a live communication to explain all the ways in which these banks fakile to do their job
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in deferment or forbearance for dates it shows late. I'd also like to see the original contract with signature for loans but this was never provided. It shows I owe {$270000.00} for XXXX loans. Therefore I think this is quite reasonable to expect a fee breakdown. Id also requested a copy of letter letting me know loan was was sold and a copy of the actual letter indicating it was sold. Also please show how amount figured. They didnt show proof I was late and not in either deferment or forebearance but credit report didnt fully investigate this.
Product: Credit card

This is regarding an Amerprise financial card that belonged to my late father XXXX XXXX XXXX. I no longer have the card, just the last XXXX digits. My father and I tried for years to make changes and cancel this card. I was an authorized user on the account. We thought it was cancelled as we had not used it for years. However, they did not close it and continued to let charges go through on it. I called numerous times after he passed but they still would not let me cancel it. They told me each time I needed to put this dead man on the phone. I called again last month after receiving another bill showing they charged him another annual fee of {$150.00}. They know he died and this card is not being used. They also charged him {$150.00} the prior year and I don't know how many years prior. I cashed out the points which I was forced to deposit into the account with no other options which were over {$3000.00}. I told them to refund the {$300.00} for " membership fees. '' Today I received a letter saying the account had a balance of {$2400.00}. They stole {$600.00} from the account on top of the membership fees?? They owe us {$3000.00} and change plus the {$300.00} in membership fees. I called again today and just got transferred from person to person would not help me. 
This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX Account number 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: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX, over 30 days ago I sent you a dispute letter and I believe I was to supposed to get an update or notified of the status but I still haven't recieved any response as yet. I believe this is a violation and punishable by law. I am aware that the CRAs are required by the FCRA to comply with consumer disputes and I learn from people online that I need to file a complaint to CFPB, XXXX, and the Office of the Atty General if did not I receive appropriate response.
Product: Credit reporting 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 the 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 that 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 Balance : {$0.00} XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$59.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1600.00} XXXX  XXXX Balance : {$640.00} XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

i made a phone payment with provident bank on XX/XX/XXXX i received a new statement dated XX/XX/XXXX reflecting that payment and received in person at a local branch a signed paid receipt. i was advised by the banker that the receipt printout is irrevocable. when i called to make the XXXX payment i was told i never paid in XXXX and must pay both payments immiediately plus a late fee.
Product: Checking or savings account

Chase bank said Im on early warning systems and we dont know why.
Product: Vehicle loan or lease

I am submitting this complaint against Capital One Financial Corporation. I recently had an auto loan with capital one that I paid off in full in XXXX of 2021. On my consumer report, it has 10 inaccurate payments listed. These items are inaccurate and the date opened is reported differently across all three credit bureaus Also according to THE LAW USC 1666 it's against the law for creditors to have billing errors on consumer reports. I WAS NEVER LATE ON MY PAYMENTS.
Product: Money transfer, virtual currency, or money service

I use Zelle through XXXX Bank. In early XXXX some user sent me money because he mistyped the email address he meant to send it to. Zelle through XXXX XXXX  does not give you any option to accept or refuse the transfer- it just automatically does into your account. 

It appears that when the other user reported his mistake to his bank, they did something to get my access to Zelle completely blocked. Zelle refuses to engage with me or provide any sort of reason for preventing me from using the system despite having provided indisputable documentation to my bank that I had nothing to do with this transfer and it was a mistake on the other side. 

Zelle 's blocking my access to the system now prevents me from doing anything to return the money to reverse the mistaken transfer. The only option they have left me would be to wire the money through some XXXX party service which leaves me at risk because there is no guarantee that the other user wouldn't find some way to get the transaction reversed and if he were to pursue that - from Zelle 's point of view, they would only see the original transaction and not that I returned money. 

I am being threatened with a lawsuit if I do not return the money but at the same time my bank is telling me not to return the money through an alternate method as there are common scams that involve this. 

Zelle has unjustifiably left me in an impossible position having spent nearly XXXX hours of time on the phone with XXXX Bank trying to resolve this but Zelle refuses to discuss the issue other than say I am permanently blocked from using the system. They provide no reason and refuse to be willing to conduct any sort of inquiry as to what happened.
Product: Student loan

In XXXX, I enrolled at XXXX XXXX XXXX to obtain an education in XXXX XXXX XXXX XXXX for which I had received an XXXX  's in XXXX. In order to be able to afford to go to this school, I was told to apply for a school loan ( several loans, as it turns out ) on the advice of the school rep and have been paying back since graduating. 

However, it has come to my attention through my brother who lives in XXXX, within the last month, that the above-mentioned school has been closed down for being a predatory school. He proceeded to send me information regarding the school, see link XXXX XXXX XXXX I have been paying off my student loans since approx XXXX onwards, 13 years later, I am now a new mom with a XXXX old baby and I can not afford to pay the remainder of my loan. I've paid off at least XXXX of this debt. It sickens me to know that the school loan provider has not once mentioned any suggestion of a solution. 

Since I graduated from XXXX XXXX XXXX in XXXX, there was no job placement or advice offered. I have not worked in the fashion industry utilizing my education and skills that were taught and apparently I was on the honor 's list and dean 's list for being an outstanding student - what good is that to me? 

When I moved back to my home, I couldn't find a job with my, now-useless, degree and was so deflated for years with a degree that has no value and has cheated me of my self-worth. 

The remainder of the loan is now with Nelnet. First, it was with XXXX XXXX - they crashed & burned, then XXXX took over the loan and now this new company. It's very frustrating to find out that the loan has moved companies. Who knows what arrangements have been agreed upon from one company to another.
Product: Vehicle loan or lease

In XX/XX/XXXX, I secured a loan for a XXXX XXXX XXXX through an online car vendor, Carvana. At the time of the purchase there was a limited warranty in effect. I drove the car the day it was delivered and heard a clicking ( or rattling noise ), but assumed it was a characteristic of the vehicle make ( XXXX ) since I had never owned one before. Immediately following delivery of the vehicle ( the following day ), the car would not start. I had it towed to a recommended repair facility ( XXXX XXXX- XXXX XXXX   XXXX XXXX, XXXX XXXX NJ XXXX ) where I had informed them of my concerns and asked them to ensure that the any necessary repairs were taken care of. Although I did not feel satisfied with the response that I was told it was only a battery that needed to be replaced, I trusted what I was told since the vehicle was looked at, at a licensed repair facility. Fast forward a month or two, I was directly impacted by the current pandemic by being laid off of my job, XXXX XXXX for the XXXX and having and owned a " new '' vehicle that I was having issues with. I called back and spoke with a woman about this issue who instructed me to take the car back to a repair facility, however I was unable to take the car since I knew I had to quarantine for the safety of myself, family and others. About a week ago now, the check engine light in the vehicle came on but at this time, I am approximately 5k miles over the mileage limit to be covered under the manufactures warranty. I had to have the truck towed to the dealer as it was not reliable at the time because it would shut off had I attempted to drive it. Ultimately, I ended up paying approximately {$400.00} out of pocket for the repair which should not be responsibility. I KNEW there was a pre-existing issue and made multiple attempts to inform who I needed to, however the repair facility, warranty company AND dealer never documented my attempts to have this issue resolved. I spoke with a helpful representative today ( XXXX ) who said that he could see in his system a record of my calls, but then transferred me to a woman who said she could not and she disconnected the call once I informed her I would write a complaint to the CFPB. I advised her that I had spoken to their warranty company XXXX XXXX XXXX XXXX the day prior and was told that all she had to do was to inform them of the documented issue, however she is saying that it was not. As a customer, I feel that I am being treated unfairly and subjectively without the root of the issue being addressed. I am out of work and have an additional financial burden at this time and now the vendor will not assist in resolving my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the accounts have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts have Violated my Rights 15 U.S.C 1666 CORRECTION OF BILLING ERRORS 15 U.S.C 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORTS 15 US Code 1605 " Definition of a FINANCE CHARGE '' Truth in Lending Act Regulation Z 15 US Code 1662 Advising of down payment 540 and installments 15 US Code 1635 XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

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

On XXXX XXXX I transferred money ( {$200.00} ) to XXXX to my family using western union app as i have used it 3-4 time before same place same person. After the i got mail from the western union with all the correct information. The transfer was done using my bank account of sun trust to my sisters bank account in XXXX ( B2B ). the money has to appear to receiver bank account by XXXX XXXX but i waited, i thought it might take time. After a wait of 10 day on XXXX XXXX Saturday I called to the western union inquired about the money transferred and it happens to find out that money was transferred to wrong bank account in XXXX but the information i put and the mail from western union say correct details of everything.Then i called western union after hearing all my details XXXX  from western union make a case ID and gave me, tell me we will look upon it and will give you reply within 24 hour but no body responded so i decided to call them back and when i called on Monday they took all information and hung up on me. next day i tried again same thing happened. i tried today again and the again hung up. I am sending all information that i have please help me to resolve. 

Tracking number - XXXX case ID - XXXX My cellphone no. XXXX XXXX XXXX, Thank you. The payment for your money transfer has been received. 
It will be available in XXXX XXXX 's bank account by XX/XX/2018. 

If you have any questions, contact us anytime. 

Thanks for using Western Union. 

___________________________________________________________________________________________ This is your proof of payment for the money transfer below. 
______________________________________________________________________________________________ Your tracking number ( MTCN ) is : XXXX Transaction Date : XX/XX/2018 XXXX ET Payment Method : Bank Name : XXXX Account ending in : XXXX Routing Number : XXXX Delivery Method : Bank Name : XXXX Account ending in : XXXX Bank Code : XXXX Mobile Number : XXXX Street : XXXX XXXX XXXX XXXX : XXXX Sender : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX : VA Country : UNITED STATES ZIP : XXXX Phone Number : ( XXXX ) XXXX Receiver : Name : XXXX SHARMA City : XXXX State : XXXX Country : XXXX ZIP : XXXX Expected Payout Location : XXXX, XXXX, XXXX Payment Information : Bank Name : XXXX Account ending in : XXXX Routing Number : XXXX Account type : CHECKING Payout Information : Today 's Date : XX/XX/2018 Date available in receiver 's country : XX/XX/2018 Delivery Method : Receiver 's bank account. 
Billing Summary : Transfer Amount : XXXX USD Transfer Fees : + XXXX USD Promotion Discount : - XXXX USD Total : XXXX USD Transfer Summary : Exchange Rate : XXXX USD = XXXX INR Transfer Amount : XXXX INR Total to Receiver : XXXX INR
Product: Consumer Loan

... XX/XX/XXXX, we leased a XXXX " XXXX '' through XXXX dealer " XXXX of XXXX XXXX '' and put down over {$9000.00}. We were given XXXX miles in the agreement. We returned the vehicle to XXXX dealer " XXXX XXXX '' in XXXX ( Now XXXX XXXX ) XX/XX/XXXX. The vehicle was inspected by the dealership and found to be unblemished and in very good condition. At the time, we were under the mileage limit by nearly XXXX miles and fully ( 2 ) two months ahead of the expiration date on the agreement! 
Without any hesitation, U.S. Bank, the leaseholder used by XXXX XXXX, refused to refund to us any of the $ XXXX dollars represented by the unused miles ( they charge XXXX for each mile OVER the agreed limit ... what about " undermileage? " ) .... and further, demanded the two months payments ( {$510.00} ), even though we had already returned the vehicle to them and were not able to use it. 
Further, they sent us a letter demanding an additional {$1000.00} ) for alleged " wear and tear '' their own personal inspector claims was found on the car. 
We were surprised and saddened by U.S. Bank 's egregious and impersonal handling of their contract with us. There is never any excuse for such an " iron-clad '' enforcement policy of ANY personal agreement such as this! Their behaviour represents nearly {$3000.00} of costs levied against us, for which we received absolutely NOTHING in return. We are now told that U.S. Bank is no longer being used as a vendor of leases by XXXX XXXX. thank you!
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$53.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$430.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$84.00} ; XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2018 Reference # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont recognize this and have made any recent credit applications.
Product: Credit reporting or other personal consumer reports

After carefully reviewing my TransUnion credit report, I was shocked to find multiple errors that should have never been there. These are not minor mistakesthey are actively harming my financial standing and creating unnecessary challenges for me. I refuse to let inaccurate reporting dictate my creditworthiness and demand a full, immediate investigation into these discrepancies. My report includes several incorrect collections and charge-offs that need urgent attention, such as XXXX XXXX with account number XXXX and a balance of {$1300.00}, XXXX XXXX  with account number XXXX and a balance of {$1700.00}, XXXX  with account number XXXX and a balance of {$1700.00}, XXXX with account number XXXX and a balance of {$880.00}, and XXXX  XXXX with account number XXXX showing a balance of {$0.00}. Additionally, XXXX  with account number XXXX is inaccurately reporting a balance of {$6700.00}, XXXX XXXX  XXXX with account number XXXX shows {$1100.00}, XXXX XXXX  with account number XXXX reports {$3500.00}, and XXXX XXXX XXXX with account number XXXX incorrectly shows a {$0.00} balance. Other discrepancies include XXXX  XXXX with account number XXXX reporting {$590.00}, XXXX with account number XXXX showing {$490.00}, XXXX XXXX XXXX with account number XXXX listing {$4800.00}, XXXX XXXX XXXX with account number XXXX showing {$1700.00}, and XXXX XXXX XXXX XXXX with account number XXXX reporting {$3300.00}. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these accounts can not be backed by legitimate documentation, they must be removed immediately. This is not a requestit is a demand for compliance with federal law, and I expect a prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two accounts that were previously removed were re-inserted. Initially, the collection agencies did not respond within 31 day period. Therefore, they reported the information again about 3-4 months later.

XXXX XXXX - XXXX XXXX was removed in XX/XX/2017 for {$240.00}.

XXXX - XXXX XXXX XXXX removed in XX/XX/2017 for {$190.00}.