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

On XX/XX/2021 I received a text from the number XXXX stating the following : " Bank of America FRAUD : Did you attempt to send money with XXXX for {$2900.00} on XXXX Reply YES or NO. '' I replied NO and, a few moments later, received a call from XXXX stating the individual was from Bank of America and he was following up on an attempted fraud transfer through XXXX to an individual with XXXX XXXX XXXX XXXX. He said we needed to walk through a series of steps via mobile banking to ensure we could reverse the transaction. Over the next 20-minutes, he directed me, step by step. I saw what he called alias account information in my name with XXXX XXXX XXXX XXXX and received confirmation emails to my personal account. I also saw the name " XXXX XXXX '' who was attached to the XXXX account. When I asked who she was, he said she was the person to attempted the fraud. As soon as I hit transfer -- which based on what I was looking at was TO MYSELF -- the call dropped and I instantly understood what had transpired. 

I instantly contacted the fraud department at Bank of America and they said they'd open a claim ( a process that takes up to 10 days and holds 45 days for the bank to determine if it was indeed fraud ). I also contacted my wireless provider. 

The next day, I went into a branch location with the screenshots I had taken during the fraudulent event, and faxed them to the BofA Fraud Department. I was told by the branch manager that I had very little chance of getting the funds returned as XXXX makes it difficult to prove, and the receiving bank would have to cooperate ( unlikely if they funds had already been withdrawn ). A truly unfortunate situation, especially as I've banked with this financial institution for nearly 20 years.
Product: Student loan

On XX/XX/2023, Nelnet reviewed my application to change my IDR plan from PAYE to SAVE. They decided to keep me on the PAYE plan because the monthly amount due would be the same for both plans. I would owe {$0.00} under these plans because I dont have income. However, the SAVE plan would stop the interest to continue to incur every month. 

I called Nelnet multiple times in order to resolve this problem with no success. Finally, I was instructed to just apply again by a representative. On XX/XX/2023, I went ahead and applied again for a change of plan from PAYE to SAVE. For a second time, I was kept on the same plan even though I qualify for the SAVE and it would be the best option for me because I wouldnt have a ballooning interest.
Product: Money transfer, virtual currency, or money service

I wired money to Bitstamp USA and bought cryptocurrency a few weeks ago.

This morning I received an email stating that my account was being closed without an explanation.

I do not have any access to my account.

I called and they are not giving me any information. They sold my Cryptocurrency and they said they will send me back money but it is not the full amount. They are keeping over {$1000.00} of my money.
Product: Credit card or prepaid card

On  XXXX / XXXX /2017 I received a letter from Sychrony Bank, Creditor stating I was denied for a Lowes credit card that I never applied for. I also can not find valid contact info to this bank.
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 -BALANCE {$23000.00} - DATE OPENED XX/XX/XXXX Account Name : XXXXDOFED # XXXX Account Name : XXXX/DOFED # XXXX Account Name : XXXX/DOFED # XXXX Account Name : XXXXDOFED # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/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 reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Vehicle loan or lease

This complaint is about the transfer of title when a loan from US Bank was paid off in XX/XX/XXXX. In XX/XX/XXXX, I leased a XXXX XXXX truck with XXXX XXXX. When the lease was completed, I purchased the truck with a loan from US Bank. That loan was paid off, and I expected a title to be issued to me. As you can see on the current XX/XX/XXXX registration, the truck ownership is still in the name of XXXX XXXX. The title should have been transferred to me when the loan with US Bank loan was open in XX/XX/XXXX. I have confirmed with the State of Michigan that the title is still in the name of XXXX XXXX. However, the State can only provide a copy of the title to the owner. Numerous phone call and correspondences to US Bank during XX/XX/XXXXhave not resolve this problem. When the loan closed in XX/XX/XXXX, the loan proceeds should have paid the transfer fee and sales tax. At that time the title should have been transfer to me. The Bank needs to contact its leasing company to correct this problem.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX Date of Birth : : XX/XX/XXXX SSN : XXXX XX/XX/XXXX Dear Sir/Madam, Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : - Incorrect Name ( XXXX ) : XXXX XXXX XXXX XXXX A XXXX XXXX A XXXX XXXX XXXX XXXX XXXX - Incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX, XXXX  XXXX Correct Information to Be Reported : - Full Name : XXXX XXXX - Correct Date of Birth : XX/XX/XXXX - **Correct Social Security Number** : XXXX - **Correct Address** : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX I request that you correct this information promptly, as these errors may harm my credit history and misrepresent my identity, potentially linking me to fraudulent activities. Additionally, I ask that all phone numbers listed on my credit report be deleted, as I have been a victim of XXXX XXXX. 

Please also be advised that I have formally opted out of any binding arbitration agreements with your company and am prepared to exercise my legal rights if necessary. 

Under Section 611 of the **Fair Credit Reporting Act ( FCRA ) **, I am requesting the removal of any inaccurate or negative information from my credit report. I expect to receive an updated report reflecting these corrections within XXXX  days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I entered the SoFi Website in order to extend a deck consolidation personal installment loan. I completed the information as requested online. A response was provided that the credit was denied. 
Access the adverse action letter that had standard verbiage that was not related to the real reason for the denial. However, it did state that I had insufficient payment history with them. 
I have literally just paid off a {$78000.00} loan that I had recently refinanced and taken out additional funds. So at this point, I have had two loans with them and exceptional payment history I reached out to them directly to ask today why I would receive such notice on an adverse action when it was not accurate or correct. On the contrary, it was false. 
The response was that I had to wait 90 days in order to extend another loan. When I inquired about the discrepancy, the answer was that it was their policy. 
My complaint is that they are deceiving or untruthful in a formalized adverse action letter as required by law. I wonder how many people they affect by doing this and stating such.
Product: Credit reporting, credit repair services, or other personal consumer reports

when i received transUnions credit report that i did not ask for in my complaint about a new address that i never lived at nor changed my address to show up on my report i noticed that they have 2 other addresses that i have previously reported to them that I never lived at. yet they never removed them from my credit report. they also have not removed the address i filed the complaint about last month nor did they tell me who reported that to them that i was now living at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i need to know who reported this address so i can address it with the company that reprted me being at this address. 

they also list two other address in XXXX that are incorrect and they have been notified in the XXXX 's that these were incorrect. there errors have caused me nothing but headaches as the state of florida uses transunion as part of there verification process when you try to get a replacement drivers licenses. those two address are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX How many times to i have to request that transunion delete addresses that i have never lived at before they are required to delete the information. 

How many times do i have to request who reported an address in XXXX XXXX for me in XXXXXXXX XXXX XXXXXXXX before they provide the information. 

the only correct address on my credit report are the XXXX XXXX XXXX XXXX address as i gave up the Post office box XXXXyears ago. why is transunion allowed to stay in business when they do not follow federal law and remove addresses that they have been advised are incorrect?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$3300.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$6100.00} ; XXXX XXXX  XXXX Balance Owed : {$1100.00} ; XXXX XXXX Balance Owed : {$91.00} ; XXXX XXXX Balance Owed : {$31.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$38000.00}
Product: Credit card or prepaid card

i called to dispute XXXXXXXX XXXX made on XXXX with slate card my whole aprty got sick and no one has responded to us. I called chase and she starts asking me what happened how did you get food do you still have the food things i have never been asked before. i am a good customer here and just want my money back please help me no one responds from restaurant. this request has nothing to do with the fact someone used my card last weekend.
Product: Vehicle loan or lease

In accordance with the Fair Credit Reporting Everything has to be XXXX XXXX accurate on my XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXXXXXX The XXXX XXXX stated my account was properly  investigated but how is that possible if the XXXX XXXX is in inaccurate, the XXXX  XXXX XXXX  is in inaccurate, and XXXX XXXX  XXXX is inaccurate. 
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

My balance has been paid and closed at FCO. This has been removed from XXXX and XXXX although XXXX is not willing to remove account that has been closed and PAID.  They simply want to be stubborn and refuse to have it removed. A representative from XXXX  has expressed that someone from FCO stated " do not remove '' from XXXX. Why not? This account has been PAID and CLOSED. Why is XXXX  the only credit bureau that does this?
Product: Checking or savings account

Ive been getting charged overdraft fees from Navy Federal for years. They would allow transactions to go through on my account knowing there was no money in there. Just for me to get charged an additional $ XXXX {$35.00} overdraft fees from them.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 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: Payday loan, title loan, or personal loan

Account was paid off in full on XX/XX/XXXX. Car was picked up at the auction by owner. After speaking with the agent who was handling my account, I was informed that my title would be returned by mail to my address on file within 30-45 days. Today is XX/XX/XXXX, I have not received my title. When I contacted the company, agents refused to give me information as to when I would receive my title, when I asked for managers I got transferred to voicemail inboxes. I paid off the balance that is owed and yet I still dont have my title returned to me.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2014 I am not sure how this happened, 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: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$770.00} XXXX - XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to Section XXXX of the Fair Credit Reporting Act.
Product: Mortgage

On XX/XX/2019, I purchase a home at the foreclosure sale that was located at XXXX XXXX in XXXX XXXX Texas. I paid {$140000.00} for this home. One day later I received a call from the owner of the home asking to rescind the sale of this home because one of the family member was XXXX  and the owner was an elderly man. I agreed to rescind the sale. The original owner has done a loan modification with Wells Fargo and paid Wells Fargo. Today in XX/XX/2019 and Wells Fargo has not refunded my money. 

The only person I can speak with regarding this matter is a lawyer that Wells Fargo appointed that does not answer the phone. I must get my funds back as I have borred these funds from a lender. 

The lawyer for Wells Fargo name is XXXX XXXX XXXX-XXXX-XXXX. this lawyer keeps saying he is wiring the funds today and they never come.
Product: Mortgage

During my refinance, I was told that I had an escrow shortage of roughly XXXX, that needed to be paid. I have yet to receive an escrow analysis statement. When I called they indicated that my insurance increased by double. After calling the insurance company they indicated that was incorrect, my taxes had reduced and I should not have any shortage any where of this amount. meanwhile my payment will be increased by over XXXX a month. Insurance company indicated that during my disbursement XX/XX/2015, it was paid twice which was refunded. I received a check XX/XX/2015 ; I called Freedom, and they told me it was my refund. I asked are you sure I do n't need to send this to you, they stated no. It is yours, now here we are a YEAR later and they are charging me for the refund they sent to me. How is this legal? No statement either? I want this charge to be reversed-since this was an error by Freedom not the consumer-ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to remove this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

OnXX/XX/XXXX, I had made 3 different transactions for {$100.00} each to 3 separate Crypto Currencies thru the website called Coinbase. I have been trying to reach out to the Coinbase contacts and no response. It is nowXX/XX/XXXX and I still have no money in my account on their website. It looks like thru other forum sites that I am not the only person that is having issues with getting deposits to work on Coinbase. Please help.
Product: Checking or savings account

When using a non TD ATM for withdrawals, TD bank charges me {$3.00} balance inquiry fees that I did not request while making the withdrawal. Therefore, TD bank is able to charge me twice the amount for using the non TD ATM in the same session. The non TD ATM fee is also {$3.00}. This has happened multiple times on my account. TD bank alleges that they are separate transactions within the same ATM session and that I authorized the charges for balance inquires, which I did not.
Product: Debt collection

Congress Collection XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX. Had Knowingly and intentionally posted false negative information on my credit report, that FALSE information had impacted my credit score claiming that I owe the amount {$320.00} to a company named XXXX  XXXX XXXX XXXX, which I had never had any business with or ever contacted in my life. I called Congress Collection, spoke to XXXX 's account manager, who and requested this issue to be resolved. Congress Collection has Just been taking me in circles to force me to pay for something I do not even owe. When I asked XXXX for details, her answer was always, I don't know, that's all I have. Account Name : CONGRESS COLLECTION Account XXXX Account TypeXXXX XXXXl Date XXXX Status XXXX account. {$320.00} PAST due as of XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. This is violating my XXXX rights, and under XXXX I'm entitled to every single document prior to posting any negative item to my credit report, notwithstanding the fact that due to the COVID-19 epidemic, creditors are required to be more careful about verifying information prior to reporting delinquent incidents to credit bureaus. Congress Collection assuming that all they have to do is mail you a statement and you will pay immediately, no need to know who you owe what and why which is a clear violation of consumer rights to receive enough explanation about the charges. This was clearly an error from the XXXX XXXXXXXX XXXX XXXX, who solicited my information from XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have become a victim of a data breach, and I am requesting that all accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as these accounts were fraudulently opened using my personal information. 
XXXX Accounts to be Blocked and Deleted : 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 Additionally, I request that all inquiries related to these fraudulent accounts be blocked and deleted. Below are the inquiries associated with the fraudulent accounts :