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

On XX/XX/2022 I purchased a program that was supposed to be mortgage leads, and it ended up being a scam so I disputed it. Capital one and XXXX had miscommunication and XXXX wired the money to the middleman company called XXXX XXXX XXXX has banned the gentleman who was scamming people, yet still has my money even though they say they do not have my money one minute and do the next. Both companies are claiming they don't have the money and this was a clear scam and now seems one of the companies are committing fraud or lost the funds. We were told I was getting the refund multiple times and never has happen. The last straw was XX/XX/XXXX when they said I would get my refund, and I somehow had my account " blocked '' that day ... ..This is an absolute mess and I have been paying interest on this charge since XXXX. I am extremely strict with my finances and have never not made my full payment, and this is one costing me money each month in interest, and reporting on my credit. PLEASE help me!!!!! Something is going so wrong and its been 10 months.
Product: Mortgage

I have contacted Citi mortgage to try to find out about my ability to request PMI cancellation and what it would take to accomplish this. The service rep has misinformed me and asked me to sign and return a document authorizing the appraisal of the property. In was assured that thebactuall appraisal will not be done if I disqualify under any other scenario for the PMI to be removed. Instead in was charged for the appraisal and was sent a letter statimg that in do n't qualify. I have reached out few more times to xleqrify why ibwas charged and was misinformed on multiple occasions regarding additional principal payment in would have to make to initiate the vancelation. after multiple attempts I brought down the LTV tobbelow thenfederaly mandated 78 % and yet citimortgage is still refusing to cancel the pmi. 

Please assist with my issue. 

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

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX  XXXX - Account Number : XXXX Unauthorized inquiries : XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit card

Capital one Offers had a promotion for XXXX. The requirements were to sign up for a free trial, which I did. I was awarded the XXXX for completing this action. Capital one then clawed back the miles and are saying I should have made a purchase or been charged in order to receive the miles. However, their only requirement was to sign up for a free trial. If I decide I did not like the product, why should I pay for the product in order to receive miles, when the ONLY criteria was to sign up for a free trial.
Product: Debt collection

Continually receiving calls from this debt collector not know who they are didnt get mail to verify who they are are what this debt is about and I dint have a wet signature with this company
Product: Credit reporting or other personal consumer reports

I am filling a compliant against Equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a through investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( file No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Accounts in question are : XXXX XXXX XXXX amount of {$2200.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX {$880.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT ALL 3 PROOF AND ATTACHED DOCUMENTING SHOWING MY CONSUMER REPORT 'S SHOWING INACCURATE REPORTING FROM XXXX XXXX AND XXXX XXXX REPORTING INACCURATE INFORMATION ON ALL 3 OF MY CREDIT REPORT 'S. XXXX HAS BEEN THE ONLY CREDIT REPORTING AGENCY ACTUALLY REMOVING OFF MY CREDIT REPORT! EQUIFAX I AM NOT ASKING YOU TO VERIFY, I AM TELLING YOU TO REMOVE OFF MY CREDIT REPORT! XXXX, YOU ARE ALWAYS HAVING ISSUES WHERE I AM NOT ABLE TO FILE ANY DISPUTES AND UPDATE DOCUMENTS OR YOU START A DISPUTE AND NEVER SHOW ME THE OUTCOME.ONCE AGAIN FOLLOW THE LAWS THAT CFPB AND FCRA HAVE PUT IN PLACE FOR YOU TO FOLLOW. YOU ARE UNDER A MOU AGREEMENT : Credit reporting agency ( also known as credit bureau ) - Major consumer and commercial credit reporting agencies that have signed agreements Memoranda of Understanding ( MOUs ) with Government agencies to receive and integrate credit information ( data ) from voluntary subscribers ( Federal agencies and private sector entities ) into their respective database. In turn, this information is sold, oftentimes by smaller credit reporting agencies, to purchasers of credit data ( in the form of credit reports and other products ). The credit report, etc., is used to determine creditworthiness, conduct credit scoring, assist with collection efforts, or for other permissible purposes as defined by the Fair Credit Reporting Act. 
YOU ARE REQUIRED TO FOLLOW THE FEDERAL CREDIT BUREAU LAWS AND YOU ARE NOT! 
ONCE AGAIN, THESE COMPAINES ARE REPORTING INACCURATE INFORMATION ON ALL 3 CREDIT REPORTING FILE PER FCRA ; The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. 
YOU ARE NOT FOLLOWING ANY LAWS, ONCE AGAIN I AM NOT ASKING YOU TO VERIFY ANY INFORMATION. THE INFORMATION HAS ALREADY BEEN VERIFY AND REPORTING INACCURATE, SO DELETE!
Product: Debt collection

XXXX is trying to charge me with the like of XXXX when I paid them off, and from both companies I was charged, double, and an outstanding balance.
Product: Checking or savings account

Here are the details of my claim again I made XXXX deposits XX/XX/XXXX in XXXX Texas at XXXX XXXX XXXX XXXX, XXXX, TX XXXX address of the Bank of America. The first deposit was a deposit of {$13000.00} and the second was {$6100.00}. I did not realize that the atm could only take XXXX bills at the time and thus my money was gone. The Transactions in my statement show that I deposited {$7600.00} and {$6100.00}. Bank of America claim they audited and could not find any record of cash or additional cash being deposited at the ATM for {$6300.00} between XX/XX/2021 and XX/XX/2021. This was stated on XX/XX/2021 then on XX/XX/2021 they had stated that We reviewed your claim as you requested, and have determined XXXX deposits were posted on XX/XX/2021, for {$7600.00} and {$6100.00}. 
As a result, this claim should have been for {$200.00} which we have located and will pay. We now consider this claim resolved. XX/XX/2021 I deposited at total of {$20000.00} and bank of Americas ATM machine only claims I deposited {$13000.00}. I would like to get the amount I deposited back from bank of America
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 

XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

I had a mortgage at Washington Federal Bank ( WAFD ). I was refinancing with another lender, and knew the re-fi would close in early XXXX. On XX/XX/XXXX, I called WAFD, spoke to XXXX, and asked to have my auto-pay cancelled. He said it would be suspended for one month, in case the re-fi did not close. 

The re-fi closed on XX/XX/XXXX, and WAFD was paid in full ; they processed the funds on XX/XX/XXXX. But also on XX/XX/XXXX, my payment of {$820.00} was deducted from my account at XXXX. I called that same day, spoke to XXXX, and asked to have the funds returned to my XXXX account that day. She said she would notify the loan department. She confirmed my automatic payment HAD been suspended. 

Monday, XX/XX/XXXX, the money was not in my account, so I called XXXX again. Spoke to XXXX ; he talked to XXXX, who said she would contact loan servicing again and call me back. 

Wed., XX/XX/XXXX. No call from XXXX. Called again, talked to XXXX. XXXX was not in, but he read her notes. Said WAFD was mailing me a check for {$900.00} ( est ). I said I did not want to wait a week for a check ; I want the money back in my account at XXXX. He said XXXX would call me this afternoon. 

I believe WAFD has acted recklessly, with no regard for how their actions ( unauthorized withdrawal of funds ) affect people 's lives. The money should have been immediately returned to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ACCOUNT ( XXXX ) IS REPORTING INCORRECTLY ON MY CREDIT FILE. THIS ACCOUNT HAS BEEN SETTLED WITH ORIGINAL CREDITOR XXXX  XXXX BANK FOR A BALANE OF {$410.00} AND IS CURRENT WITH ITS PAYMENTS I NEED THE LATE PAYMENTS AND CHARGE OFF REMOVED FROM MY CREDIT FILE AS WELL AS BALANCE UPDATED TO REFLECT OUR CURRENT PAYMEN PLAN. I WOULD NEED A SPEEDY RESPONSE WITHIN 3 DAYS OF RECEIVING COMPLAINT OR THIS ACCOUNT BE REMOVED FROM MY CREDIT FILE IN TOTALLITY
Product: Checking or savings account

I have a prior complaint they are habitual liars. No call back fake empathy. The crazy thing is our us government is aware of the numerous infractions and bad banking practices. Their legal is good because they deflect anything and everything I will pursue this in the court of public opinion. My advice was to make it public first - I gave them ample time. They laugh in out governments face with those fines because the behavior does not change. They sent a meadation letter about the fake accounts they made in my name to give me a hard time cashing a check is ridiculous and why Im pursuing this
Product: Student loan

I have a loan from XXXX school, originally managed by XXXX XXXX, which has since been transferred to Navient. In the last year or two, Navient has not billed me or reflected my monthly payment in a clear or straightforward manner. 

For example, in XX/XX/2016 I applied to the US Government and was approved for an Income-Based Repayment ( IBR ) Plan, resulting in a monthly loan payment of {$58.00}. Unfortunately, in my attempts to pay my monthly IBR, I have been misled by both Navient telephone payment personnel and by the company 's website. 

Navient has persistently stated on its website in my Account Summary a " XXXX Consolidation '' payment as being due by me ( currently {$230.00} ), with apparent priority. No statement of my minimum monthly payment, the {$58.00} IBR, is anywhere apparent on Navient 's electronic presentation of my " Account Summary. '' To say the least, this is deceptive. 

After calling Navient directly twice in XX/XX/2016, speaking both times with off-shore call centers in the XXXX, and complaining about this unclear statement of my monthly payment due, I finally learned that, in order to ascertain my minimum monthly payment due under my Income-Based Repayment ( IBR ) Plan, I would need to navigate away from my " Account Summary '' page by clicking on a link entitled " Loan Details. '' Only in clicking on this link, the Navient Customer Service representative informed me, could I learn of the monthly payment I owed. 

Twice in the last year or year-and-a-half, I have made payments of $ XXXX {$320.00} under the false impression that this was the minimum amount owed, or the first priority for repayment. Only after making these payments, supposedly targeted toward " consolidation '' charges, and discovering that these amounts never disappeared, but kept reappearing month after month, did I realize that this " consolidation '' figure being presented by Navient for payment was not a one-time payment for past interest owed, or something similar. 

In short, in the way Navient bills me, I am given a false impression of which balances are payable when, while I am under-informed about the minimum monthly payment due, since I have to dig and navigate around my electronic account page simply to learn my monthly payment due under my Income-Based Repayment Plan. 

If necessary, I can attached a screenshot of my latest Navient " Account Summary '' so CFPB can see what I see as a Navient customer. 

Thank you very much in advance for your assistance!
Product: Debt collection

Portfolio Recovery Service is a debt collection service that has been harassing me for quite some time, regarding debts I am unsure about. They contacted employers, friends, etc. When they call, they refuse to verify the debt without me giving up personal information, which I refuse to give to someone stating " this is a debt collector, that is all I can tell you without more information ''.
Product: Debt collection

In early 2016 my doctor XXXX XXXX prescribed a XXXX XXXX XXXX for me. The machine was to be connected to my XXXX machine. I stopped using the XXXX XXXX and called XXXX XXXX to come pick the machine up. They told me they would have someone pick the machine up but never did until I informed them I was going to be moving out of state. They didnt come pick it up until the around the end of XXXX or early XXXX. They were billing my insurance {$330.00} a month for the machine usage. I spoke to XXXX about the charge of {$150.00} they charged me and told them I shouldnt have to pay all of that because I called them and told them to come get thier machine. When I spoke with the collection agency they said XXXX put in their notes that a doctor note was needed to pick the machine up. There was no mention of a doctor note being needed for pick up of the machine when it was prescribed nor did they have a note when they came to pick it up.
Product: Checking or savings account

Over the course of the last 5-6 months, I have had to contact Chase several times for charges placed on my account. I have several alerts attached to my account to notify of issues such as an overdrawn account, insufficient funds and when the account balance falls below a certain amount. These alerts are scheduled to come via the Chase mobile app ( as push notifications ) which advertises account alerts as one of the features for the company and the app, via text message AND email. I have had to reach out to this company several times to figure out why I am not receiving account alerts as advertised, not only that but I am being charged insufficient funds fee for overdrafts that I was not notified of. My consumer record with this company is impeccable, in the past if my account was overdrawn it was fixed promptly after I was notified. It is completely unacceptable for this company to continue to operate using these deceptive practices and advertising models. This is an issue that occurs far too often for this " company '' to still operate and holds consumers ' funds. I have been a customer for over 7 years and have never been more dissatisfied with a " banking solution '' than I have been with Chase. My account was overdrawn on XX/XX/20 and I never received a notification, push or text, or email alert of this occurence although I have more than 10 alerts active on my account. I logged in to my account XX/XX/20 to find that not only was my account overdrawn but I was also charged {$34.00} insufficient funds fee. I immediately contacted Telephone Banking to once again attempt to find out why this is continuing to happen. XXXX was of little help even after I explained that they have record that I have had to continually reach out to have this resolved. I've also spoken with several associates that have this same issue, this company is not allowed to take advantage of consumers and force them to pay fees if they do not deliver the proper and adequate services offered. This company has misled me as well as other consumers based on the functionality of its services. Not once did any representative offer to rectify this situation in a way that would be best for the consumer even after the deceptive advertising and service practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy 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: Credit reporting or other personal consumer reports

I filed a dispute on ( XXXX XXXX XXXX ) Due to selected in your original dispute }. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances s getting housing Experian violates my rights as a consumer, as well as federal laws.
Product: Checking or savings account

I had an unauthorized transaction debited from my personal checking account with XXXX XXXX XXXXXXXX on XXXX. The company called Cash App  whom I have never done any transactions with nor have I ever had an account with them received my my debit card information illegally from XXXX of their customers whom holds an account with cash app. Their customer service dept has been difficult to deal with. I was able to obtain some information from XXXX of their agents whom had advised that the transaction was initiated on XXXX at XXXX eastern standard time. The individual was located on XXXX XXXX XXXX in XXXX XXXX, XXXX XXXX XXXX The receiver of the funds is XXXX XXXX. I have been unable to receive any responses from the company. My bank is only willing to refund me for the $ amount but is not willing to investigate further. I wish to file a police report but I need the details of the trace in writing from the company Cash App in order to file a report. As a victim of a crime I feel I have the right to pursue charges of theft against my personal checking account. I am requesting that the company Cash app be required to forward this information on to my local law enforcement for further investigation
Product: Student loan

Hi there, My name is XXXX XXXX and I'm reaching out in regards to the lawsuit against Navient - the student loan provider. As I'm sure you are aware, there's a lawsuit against them for not letting students know about forgiveness options - I would like to know what the status is, how I can be entered in the lawsuit case and what I can do to move this forward.
Product: Checking or savings account

Tried to log into account on XX/XX/XXXX Citi informed me that a XXXX transfer from XXXX XXXX Savings was rejected. I was unaware at the time that I was only allowed to do a daily transfer from savings of XXXX Therefore, Citi closed my account on XX/XX/XXXX with a checking balance of XXXX As of today XX/XX/XXXX I have not received my money. I call Citi but the representatives are rude and short with me. I just want my XXXX
Product: Debt collection

RECEIVABLE PERFORMANCE/XXXX has consistently troubled me over a debt of {$960.00} that I do not owe or have any prior knowledge of, as I 've never had any contract communications account with XXXX before. Their deliberate infusion of this account on my credit profile is impeding on my ability to currently obtain any credit. 

Receivable Performance must delete it from my credit report with deliberate speed. 

Thank you!
Product: Credit card

MAERICAN FINANCE is saying I owe there company {$3700.00} for a credit line. Ive never applied or had a line of credit with them. I informed them im a victim of identity theft. They sent back a letter stating that they verified my identity. I then sent in more documentation explains that they should have this removed from my credit and that I was not the owner of the line of credit. They are refusing to remove this item from my credit report. They have no prove I opened up this account. They have yet to show me the proof of me opening said credit line with them. I would like this account removed from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I applied for a secured credit card. My credit report was pulled. I never applied at Navy Federal for any other loans or credit cards. But my credit was pulled without my consent two more times! Once on XX/XX/XXXX AND once on XX/XX/XXXX! My credit was pulled three times in a 17 day period. AT LEAST two of the were without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Finance Team, my issue is with my current credit FICO score across all three bureaus.. 
i applied for an Auto Loan with XXXX XXXXXXXX XXXX on XX/XX/2021, and i was approved " fully approved Not pre-approved '' and at that time my credit score was XXXX " Excellent-Exceptional '' score, however it dropped a whopping XXXX points all of a sudden and then without my knowledge or consent the Used Car dealership who was in the XXXX XXXX  XXXX network or preferred dealerships did run my credit again where he shouldn't, because i had an approved loan letter and i did my purchase within 30 days from the initial credit check and approval done from XXXX XXXX XXXX . 
when the dealership ran my credit it resulted in a hard inquiry on my credit file as well as further decrease in my credit score.!! 
i've been very careful and conscious regarding my bills, loans, credit cards and therefore credit score, always paying on time, never missed a payment or been late on any bill, however this act of having my credit checked by hard inquiries twice within 30 days only to purchase a vehicle has negatively impacted me tremendously, going from XXXX points down to XXXX, i am currently in the process of buying my first time home and truly having hard times due to this mishap Auto loan that devastated my credit score and credit worthiness.. 
i have included all screenshots necessary to show and highlight what have had happened.