23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am tired of WELLS FARGO beating me down ; this has caused me XXXX XXXXXXXX as I'm trying to progress in life- but can't seem to do so because of fraudulent identity theft. I have been disputing with WELLSFARGO since XXXX of XXXX, it is now XX/XX/XXXX and my identify theft concerns have still not been addressed/deleted. I have disputed and received paperwork back from WELLS FARGO claiming that an auto vehicle belongs to me. Paper work documents sent to me from WELL FARGO was not mine and UTTERLY INVALID. I am a victim of identity theft and have items in my name including WELLS FARGO DEALER CHARGE OFF and DEPT ED XXXX that are fraud. I only have one auto vehicle through XXXX XXXX XXXX. I have sent over my police report, my FTC report, utility bill, my personal statement, full SSN card with all corners reflecting, Photo ID & etc. I am a victim of identify theft and WELLS FARGO keeps choosing to look the other way and not help me. I was told by an XXXX Fraud Specialist that I should take WELLS FARGO to court. I do not have the money, time, or energy for that to take place. I have 2 XXXX  parents both with XXXX that I can't even afford to put into home health care. WELLS FARGO opened my dispute again XX/XX/XXXX and closed it right back up XXXX XXXX. A proper investigation in a sense has not been conducted. My documents have all been ignored and they want me to keep sending the same files via postal mail which cost me about {$35.00} for mailing charges to expidaite. I have spent over {$300.00} in the past year of mailing to them disputes. I am tired of going through this process and WELLS FARGO wants to keep playing games with victims of identify theft. It should not take me 437+ days to get identify theft removed from my report. There are several factors including WELLSFARGO DEALER CHARGE OFF and DEPT ED /XXXX  that still shows on my report. I hope this will be my last and final dispute to CFPB. WELLSFARGO & CO. is holding me back from living life, liberty and pursuit of happiness.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request I am a victim of XXXX and the information listed below on my credit report is a result of that trafficking : Account Name : XXXX XXXXXXXX Account Number : XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX Balance : {$6200.00} Account Name : XXXX XXXXXXXX Account Number : XXXX Balance : {$2900.00} Account Name : XXXX Account Number : XXXX Balance : {$11000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX Balance : {$5900.00} Account Name : XXXX Account Number : XXXX Balance : {$15000.00} In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

Thank you for your prompt attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

I received my credit report last month and notice some discrepancies. In accordance with FCRA section 611 and sec 623 the above and below companies mentioned violated my consumer rights : The amount ( s ) owed are no longer outstanding for the following items Party Owed : CREDIT COLLECTION SERVICES AMOUNT : {$130.00} I did not authorized these inquiries UNAUTHORIZED INQUIRIES XXXX XXXX ( FINANCE ) XXXX, 2023 XXXX XXXX ( BANK ) XXXX, 2023
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cashapp ( Block , Inc ) due to inadequate customer service and unfair overrides, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp 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 Funds Protection 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

I had made purchase of an airline ticket dated XX/XX/XXXX in the amount of {$930.00}. I had cancelled the ticket due to travel restrictions and merchant provided the partial credit on XX/XX/XXXX worth {$770.00}. But in the month of XXXX they charged me again with the same amount and in the XXXX statement I see charge for {$770.00} dated XX/XX/XXXX as per the statement. I reached out to Citi bank and I had provided the same information multiple times. Each time they came back with same answer that I already got refund on XX/XX/XXXX which is not true as it was charge back again on XX/XX/XXXX. This is fraud for services never received and harassment from bank. Please help
Product: Credit card

When I got my Wyndham Rewards Visa Signature card last year, XXXX of the terms on the card was that on every anniversary, I will receive XXXX Wyndham Rewards points. The anniversary is in XX/XX/XXXX ( so its almost 4 months into the year now ) and I still have n't received my rewards points. I initially reached out to Wyndham and they redirected me to Barclays bank because Barclays bank services the card. I reached out to Barclays several times in the past couple of months and they keep asking me to wait. When I called in XX/XX/XXXX they told me that the points will be credited on XX/XX/2016. Today is XX/XX/2016 and that has n't happened so I called them again and again same story where another team handles the issue and the customer service team ca n't really do anything to expedite the process. As a customer I expect the points to be credited in a timely manner without me having to follow up several times. In exceptional scenarios when things go wrong and I do have to follow up, I expect customer service to solve the issue on the first call and/or give me a definitive date on when it will be resolved - not just kicking the can down the road expecting the customer to eventually give up. I want to use these points to book a reservation for an upcoming trip and ca n't because Barclays would n't credit it in a timely manner.
Product: Debt collection

I first became aware of the debt when applying for a apartment and as it 's reporting on my credit report affecting my ability to get a home
Product: Mortgage

i have a reverse mortage with reverse mortage solutionsI am on a fixed income they require me to pay XXXXper month to pay the premium I only receive XXXX permonthI have a home onwers policy and auto insuranceutilites and dr and XXXX bills
Product: Credit card or prepaid card

I applied for a Citi bank credit card And received a reply that they could not verify my address when I fact the address is recognized by the Fed govt,  Social Security, XXXX XXXX XXXX, state of Ga, my 3 credit card companies and My personal bank they asked for copy Of drivers license then then they wanted Proof that phone # was mine which I Provided then after all of this I wrote Them and they finally came back with The excuses that I did not have enough Open lines of credit ( even though the Lines I had open all reported perfect Payment history ) the lines of credit Were not old enough and horrors upon Horrors I had applied for someone Elses credit card To sum it up every time I met their re- qirements they came up with another Excuse A shabby way to treat a potential Customer and most unprofessional
Product: Checking or savings account

Reordering dates of transactions to cause smaller debits to be insufficient. 
I have been a customer with XXXX XXXX XXXX XXXX for 9 years and am aware of the banks order of processing payments. I did not join in the class action lawsuit filed against Synovus for the processing of transactions from larger to smaller. On XX/XX/2018 I had an available balance of {$200.00}. The definition that Synovus gives of an available balance is the amount of money available to me at that time including all cleared transactions, deposit hold items, ATM transactions and check card transactions. On XX/XX/2018 I placed 2 debit transactions for {$30.00} and {$22.00} leaving an available balance of {$150.00}. On XXXX, I placed a debit transaction of {$30.00} leaving an available balance of {$120.00}. On XX/XX/2018, I had a preauthorized payment of out for {$330.00}. I understand this payment would overdraw my acount and I would be charged {$36.00} for that payment but the 3 debits on earlier dates were processed after the preautherized payment causing me to have 4 charges at {$36.00} each. Why would I have made 3 transactions less than the {$36.00} fee if I didnt have the available funds at the time they were placed. I could have easily went to a local branch atm and withdrew the available {$200.00} and paid cash for the 3 smaller transactions and only had the preauthorized to be insufficient in which that is how it should have been processed. I filed a complaint with the XXXX on XX/XX/2018. The company did not respond. The XXXX sent a second notice to Synovus on XX/XX/2018. As of today XX/XX/2018 the company still has not responded.
Product: Checking or savings account

I recently opened a few accounts at HSBC attracted by a few promotional offers. 

In chatting with the nearest branch VP I accidentally discovered/was alerted to fraud. I was told that some money was being diverted from my account. I was given different numbers at the branch, and the VP refused to put it in writing, but the total missing is over {$550.00} from my understanding. 
From my understanding of the sketchy information I got from the branch, and by calling their Fraud unit from the branch, someone had taken ( stolen ) at least {$500.00} and {$20.00} out of my account. That was around XX/XX/2019. I was told that the bank would have investigated the matter and sent me details of their findings. Instead about a week later HSBC Fraud sends me a note saying the withdrawals I questioned were " authorized '' and the " case is closed. '' So far I have NOT received any written accounting or investigation results from HSBC. I am pressuring HSBC to send me details but none have yet come in writing at least.
Product: Debt or credit management

In XX/XX/year>, I enrolled in program with Consumer Legal Group ( CLG ), paying a total of {$5700.00} for their services. I was promised that CLG would handle communication with my creditors, work to reduce my debt, and provide a clear plan to resolve my financial situation.

However, despite making the payment of {$5700.00}, I have not received any meaningful services. CLG did not fulfill their obligations, and I have been unable to get any updates or transparency regarding how my payments were being applied. I have been contacted by debt collectors despite having paid CLG, and I can not access the client portal to check where my money is going.

I requested to cancel the contract and have made repeated requests for a refund, but I have not received a satisfactory response. CLG has delayed processing my refund, and after several calls and emails, they have denied my refund request. I have been told that the decision to deny my refund remains, but no clear reasoning has been provided. 

I have reached out to XXXX XXXX, the attorney at CLG, who initially discussed the possibility of a refund, but no action has been taken. Despite my repeated attempts to resolve the issue, CLG has failed to take responsibility and process my refund.

I am requesting that CLG immediately process my refund for the full amount of {$5700.00} since they have not provided the services promised, and the situation has not been resolved.
Product: Credit reporting

XXXX was contacted several months ago to notify the merchant that there are two accounts listed on my credit report ( when I only had one account with XXXX ) that has been paid off and closed. 
XXXX account ( XXXX ) - This collection is listed twice on my report- XXXX was requested to remove the duplicate collection item. 

C. Additionally, please change the comments about the account to note that the account was closed by the consumer ( not creditor ) due to termination of services.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against the following companies for what I believe to be a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am seeking your assistance in investigating and addressing this matter. 

Under the FCRA, specifically 15 USC 1681 Section 602, I am entitled to privacy concerning my credit information. I have reason to believe that this creditor has violated this right by disclosing my credit information without proper authorization.

Furthermore, in accordance with 15 USC 1681 Section 604 ( a ), Section 2, a creditor is prohibited from furnishing information regarding my account without obtaining my written permission. I have not provided written permission to this creditor for the disclosure of my credit information, and I believe they have acted in violation of this provision.

Additionally, I would like to draw attention to 15 USCS 1666b, which states that a creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose. This creditor has incorrectly reported a late payment, I request an investigation into this matter. 

I kindly request that the Consumer Financial Protection Bureau investigate this complaint and take appropriate action against them if it is determined that they have violated the FCRA. I also request that any inaccuracies in my credit report resulting from this violation be corrected promptly. 

Thank you for your prompt attention to this matter.
Product: Debt collection

this account is a fraudulent account and was opened with my stolen identity ... IT IS REPORTING ON MY CREDIT AND NEEDS TO BE CLOSED WITH THIS COMPANY AND DELETED WITH THE BUREAUS ASAP
Product: Debt collection

The following company, JEFFERSON CAPITAL SY has reported a fraudulent account on my credit reports. I do not have any financial obligations with the company. The above-mentioned company has failed to supply me with any contracts that was signed on my behalf. This account and company is considered fraud as no authorization has been provided to this company to furnish any information into my credit profile...
Product: Student loan

I am writing to file a formal complaint against The XXXX XXXX XXXX XXXX and Navient ( formerly Sallie Mae ) regarding the deceptive practices I experienced as a student and the subsequent denial of my application for a discharge of my private student loans. 

Background : I attended The XXXX XXXX XXXX XXXX from XXXX to XXXX. During my enrollment, I was pressured to take private loans in order to secure my place in the program. The admissions staff misled students about job placement rates and expected salaries after graduation, creating a false impression that our degrees would ensure employment and financial success. 

Issues Faced : Deceptive Practices : The school provided misleading information regarding the job market, including inflated job placement rates and salary expectations. 
Financial Burden : Although federal loans have been forgiven due to the school 's fraudulent practices, my private loans remain a significant burden. The interest rates on these loans are exorbitant, and I have been unable to secure work in my field that pays enough to cover these payments. 
Denial of Loan Discharge : I applied to Navient for a discharge of my private loans based on the schools misconduct. My application was denied without any clear explanation, despite my understanding that other students with similar circumstances have been approved. When I contacted Navient for clarification, representatives were unable to provide a reason for the denial. 
This situation has left me in a precarious financial position, struggling to manage the loans that I was misled into taking. 

Request for Action : I urge the Consumer Financial Protection Bureau to investigate the practices of The XXXX XXXX XXXX XXXX and the handling of my loan discharge application by Navient. It is crucial that students are protected from deceptive practices that lead to insurmountable debt. 

Thank you for your attention to this matter. I appreciate your assistance and look forward to your response.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing a complaint against the XXXX credit repair agencies for reporting fraudulent accounts and transactions on my credit report, which were made without my consent or authorization. These entries were not made with my permission, and I believe they are a direct result of identity theft. Despite my dispute and efforts to resolve the matter, the fraudulent information remains on my credit report, which is causing harm to my credit score. 

This situation violates the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), which prohibits the reporting of information without the consumer 's consent, and 15 U.S.C. 1681c-2, which mandates the removal of fraudulent information resulting from identity theft. Additionally, this is a violation of the Identity Theft and XXXX XXXX XXXX ( 18 U.S.C. 1028 ), which makes it a federal crime to use someone else 's personal information without their consent. 

I demand that the fraudulent accounts and transactions be immediately deleted from my credit report. Failure to take action will result in further legal action and a formal complaint with the CFPB. 

I request that the CFPB : XXXX XXXX, Equifax XXXX and XXXX for reporting fraudulent information without my consent and failing to address the issue. 
-Ensure that the unauthorized accounts and transactions are immediately removed from my credit report. 
-Enforce the relevant federal laws protecting consumers against identity theft and unauthorized use of personal information. 


Thank you for your prompt attention to this matter. 

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

Kindly eliminate these queries. I possess no information about them, and the company proceeded without my approval.
Product: Mortgage

I took out a loan with Tripointe Connect, a Loan Depot company. Due to an issue with my insurance agent, I had to use their affiliated loan company to close the mortgage on time. I was assured it wouldnt be an issue to switch insurance companies after the closing. Our mortgage closed on XX/XX/22, and we used the affiliated insurance company ( Tripointe Advantage ). I transferred to a new XXXX XXXX agent, and provided proof of a new homeowners policy on XX/XX/22. I have copies of the emails to our mortgage provider showing receipt and acknowledgment of the request of remove the monthly impound and that we canceled/changed our insurance carrier. I also spoke to a different Loan Depot employee on XX/XX/22 to confirm the removal of the insurance impound and to update my insurance policy information. Loan Depot refuses to remove the monthly insurance impound from my mortgage loan even though they acknowledged that the policy is no longer valid and they were informed it needed to be removed on XX/XX/22.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to inform the CFPB that as of today, The Equifax 's e-Oscar web based automated system which enables data furnishers and the credit reporting agency to respond to consumer complaint has been unresponsive to my various requests and complaints. In regards to the following accounts ; The XXXX XXXX XXXX Partial account number XXXX The XXXX XXXX XXXX Partial account number XXXX XXXX XXXX. partial account number XXXX. 
Due to the remarkable amount of data breach with this particular consumer reporting agency ; I have found it very necessary to exercise my right under the XXXX XXXX XXXX XXXX. Which requires financial institutions of companies that offer financial products or services like loans, financial or investment advice or insurance to explain their information sharing practices to their costumers and safeguard sensitive data, The GLBA generally requires clear and conspicuous notice of information sharing, The law also states that a privacy notice must be provided when a costumer relationship is established. and costumers have the right to opt out and there have been no changes in previous policy notice. This company has failed in respecting my rights regardless of my complaints submitted on XX/XX/22 complaint number XXXX and my initial complaint on XX/XX/22 number XXXX,.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2021 Credit Acceptance was named an entity in my finalized divorce decree as solely the responsibility of my ex husband. After the divorce decree was provided to both him and I we both informed the company of this. After 12 months the company has updated the account on my credit report as active, open and 120 days past due. This should not be on MY REPORT! This became solely his debt. I even provided the company and all 3 credit bureaus with the decree supporting this statement and nothing has been done. The bureaus just report back as verified with no explanation. In accordance with the Fair Credit Reporting Act XXXX   Credit Acceptance Corporation, has violated my rights.. 15 U.S.C 1681 section 602 A states I have the right to privacy and any consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Number calls continuously, sometimes as many as 4-5x a day. They call and if picked up refuse to acknowledge. They refuse to identify who they are and why they are calling. Skip trace of the number indicates it belongs to a United Collection Bureau.
Product: Vehicle loan or lease

On XX/XX/2021, Kia finance dropped my credit rating of XXXX to XXXXbecause I didnt pay {$120.00} for the last payment on my excise tax. I had been paying this amount right along and they have always accepted these payments in this way for my previous lease also. It seems that they changed their policy and wanted it all at once. I was never notified. I contacted them and was told that there was nothing I could do. I have never been late on any car payment or excise tax. I had no knowledge that they had changed the policy. This is way too harsh. Im very proud of keeping my score above 800 and this is extremely unfair and unjustified. Any help will be much appreciated. Thank you
Product: Debt collection

Convergent Outsourcing has contacted me several times by phone and by mail. They have also tried to contact my elderly mother looking for me. 

In XX/XX/XXXX, my credit score declined dramatically due to Convergent putting a negative inquiry on my credit report with XXXX. This charge is for a XXXX bill that my ex-husband owes. This specific debt is cited in our divorce decree entered in XX/XX/XXXX as solely his. I disputed Convergent 's attempt to ruin my excellent credit score rating by going through their dispute process and sent a copy of the divorce decree. Per their process, XXXX has shared that information with Convergent. XXXX removed the item from my credit report finding that this debt does not belong to me. On XX/XX/XXXX, Convergent sent me a notice saying that they believe this debt is still valid.
Product: Prepaid card

every time i try to activate my card it says something isng right when all my information is correct!