23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

i got a letter saying i still owe on a account that i NEVER HAD! and expect to pay it back i have a lot of fraud on my account
Product: Debt collection

I paid off a cc for the full amount and requested it to be removed and it has not been and it is reporting inaccurate. I have a right to privacy and I did not give permission to any organization to put information falsely on my credit report on my behalf place and capitol one is violating my consumer rights. 
XX/XX/XXXX {$200.00} Closed XXXX Just reported negative payment history XX/XX/XXXX Reported 90 days late XX/XX/XXXX
Product: Mortgage

My husband and I attemped to close on a FHA Streamline Refinance with Village Capital and Investing in XX/XX/2019. They sent a notary to our house on XXXX with the closing documents and had us a make out a bank check for {$870.00} to their title company, XXXX XXXX. Several weeks later, on the afternoon before XXXX, the company contact my husband to say that the " paperwork was all wrong '' and that they needed to send out a notary " that night '' to have correct documents signed. My husband was away from home for work, and I was already out of state visiting relatives for the holiday. Village Capital never submitted payment to our original lender, which put us at risk for falling behind in payments. Due to their errors and poor customer service throughout our interactions with them, we do not want to proceed with this transaction and we want a full refund of the {$870.00} check we submitted to them.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX  Debt XXXX and would like for all listed account to be blocked and deleted company information from Experian and XXXX. 

Please delete the following account : XXXX  Account number : XXXX Balance : {$2300.00} XXXX XXXX Account number : XXXX Balance : {$14000.00} XXXX  XXXX XXXX  Account number : XXXX Balance : {$490.00} XXXX  Account number : XXXX Balance : {$660.00}
Product: Student loan

I have set up my Great Lakes account to pay my principal after the monthly minimum payment. I set it up to directly go 100 % towards my token with the lowest amount. I called and got the run around on how to do this. I have started the process 3 months ago and my account is still not being allocated as I would like. I still have my excess payment paying interest after I called and switched it online to have 100 percent go directly towards my principal. They have it set up as paid ahead and I told them I do not want this I would like 100 percent to go towards my principal. They told me this can not be done. I know this can be done because I did this with my other student loans. I am also getting different answers on different days I call. The next step will be writing them a letter I got off of the Consumer Financial Protection Bureau that states in writing how I want my excess payment allocated.
Product: Debt collection

I am filing a complaint with Diversified Consultants. They have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.
Product: Checking or savings account

I did a return through XXXX and they deposited XXXX into my chime account on XX/XX/year>. Which gave me a balance of XXXX. I spent XXXX dollars on the XXXX and XXXX. I went to bed the night of XXXX XXXX with approximately XXXX dollars. When I woke up on the XXXX I had XXXX charges totalling XXXX against my chime account. That left me overdrawn approximately XXXX dollars. 

I had my chime card in my wallet. And every charge said something about XXXX being the merchant. I immediately called chime and a dispute. I waited however many days they said it would take and then they denied my claim. They said, " Based on our investigation, we have concluded no error occurred. '' I appealed this 2 times after that. I then went into my XXXX and printed of my purchase history for XX/XX/XXXX and XXXX and not one of those charges appears in my account. I then submitted those documents to chime, and filed a dispute with XXXX with the same information. Both were denied. I filed the XXXX dispute on XX/XX/XXXX. After only 7 days XXXX emailed me back and said they couldn't verify my claim. The appeals to my chime dispute took like 5 days. Personally I don't think they did any more investigating for the appeals. In the end my dispute was denied and I never got my money back.
Product: Checking or savings account

I have had this account for over 12 years and now I am being told that the mother 's maiden name listed on the account is not what was submitted when the account was opened. my debit cards keep getting blocked and I have to use cash to make purchases and when I call in to get these resolved I get blocked by the mother 's maiden name issue.
Product: Credit reporting or other personal consumer reports

BMG Money is reporting my balance as {$3000.00} and status as 90 days late on my XXXX credit report. I filed XXXX XXXX on XX/XX/23 so the credit report should show {$0.00} balance and status should be Included in XXXX XXXX  They are reporting accurate information on XXXX, and XXXX I used XXXX dispute process on 3 occasions but no change was made I sent email and postal mail to BMG money and they have not updated credit report or responded to me in anyway
Product: Checking or savings account

I am currently on a trip to Florida, hundreds of miles from my home near XXXX XXXX. When I landed it was late, past midnight, and I headed to check-in at a hotel with my debit card as my card for the room. When I arrived my debit card would not work and I soon found out that a fraud alert had been issued. I called USAA to clear the fraud alert and oddly, was not asked to confirm the transactions or anything like that, I was simply told that " my card is now unlocked and I can unlock it through the automated system '' .. I will come back to that later. I went to use my card, thinking there would be no problem, and yet again it was declined. I called back and spoke to I believe the same person, who this time sent a text to my phone to confirm my identity. 

My debit card 's expiration was next month, so USAA had issued me a new card in what they called a " mass issue ''. Somehow, that new card had become active and made my in-hand debit card useless. I had not received the new card. I spoke to four or five different people for hours. I was stuck at a hotel with nowhere to go and nowhere to stay. USAA placed me on hold time and again and I was told multiple things. I was told that the new debit card hadn't shipped yet. I was told it had shipped and that my wife must have activated the new card ( which was not only untrue, it was impossible because I had used my debit card successfully after she went to sleep and I was the one that got our mail that day before I went to the airport ). I was told that it could have been fraudulently activated, despite also being told it hadn't shipped. 

Coincidences aren't usually coincidences. It just so happened that my working card had a fraud alert and when I called to clear it my card couldn't ever work again? I don't think so. Something happened that caused this. What did the first representative unlock when I called since he reviewed no transactions on a fraud alert and did not verify my identity with a text? I don't know, but I was stuck, embarrassed, at a hotel with no way to get a room. They could not reactivate my card because somehow a new card had been activated. I honestly thought I would have to sleep on a bench at the airport until family could pick me up the next day. I demanded that USAA do something to make this right because I believed USAA had a problem that caused this. There was no possible resolution. I called the " Executive Support Team '' the next day and while they were apologetic, they offered no help in me being able to get through the weekend with no form of payment available. I had money in my account, but no way to access it. I asked if they could send me money via XXXX XXXX? No. No options. When I said I wanted a formal complaint launched and for USAA to figure out what happened, I was told a " verbal complaint '' would be logged.. but that is not a resolution. Basically, a member of 15 years was on his own to figure it out. Luckily, the lady at the hotel desk worked something out to get me a room or I would have been sleeping on that bench.
Product: Checking or savings account

On XX/XX/2021 I sent a fax to UMB BANK to transfer the money out of my XXXX account to XXXX XXXX account. Later i authorized fidelity to do the transfer and they sent another fax to them on XX/XX/2021 to XXXX bank to initiate the transfer. UMB bank on on XX/XX/2021 charged all the fees on my account ( including the monthly service fee, statement fee and the account closure fee of {$25.00} ). According to them they sent the check to XXXX which was never received by them. When i called them back on XX/XX/XXXX, they told me that they don't have any tracking on the check and the details were not present in their system. On repeated phone calls after that the supervisor gave me some check number but said she doesn't have any tracking and she can not answer more than to say that the check was sent. All this while XXXX customer service said they haven't received anything. Since my account is an XXXX account I don't have any money to pay for my medical expenses and the UMB bank still continues to play games where they can not issue stop payment not refund the fees they charged on my account. I had a simple question to the supervisor where i asked " Why does the bank get to charge closure fees and get paid when i still have received my own money all this time ''? Please help resolve this matter.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised! It has been brought to my attention that you are not REMOVING items even when theyre sent with the FTC report # XXXX & XXXX. This is my 2nd letter that I am a victim of incorrect credit report information and I write to dispute these inquiries in my file resulting from the crime. The inquiries I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of these inquiries in my credit file that resulted from an incorrect credit report information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. These inquiries are unknown to me. Also, the information you provided on these inquiries was DELETED from other bureaus and I have doubts about their accuracy and the reported history date on these inquiries are a mystery to me. Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an incorrect credit report information ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting or other personal consumer reports

Company ; XXXX XXXX XXXX  Ive reached out multiple times requesting information every time I reach out the company sends court papers, this debt is 7 years old according to North Carolina state law a debt can not be collected on if written off or 3 years old this account is both! If I reach out the company uses there lawyers to bully me
Product: Checking or savings account

Account was getting charged excessive over draft fees and now account is being closed and I have a bank fee for over {$500.00}. I Even have {$50.00} biweekly being deposited into account but it seems as if the account balance is increasing and not decreasing
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. 
They informed me that recovering lost funds impossible and that tracking these transactions was infeasible. 
The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I received a letter from " Credit Management , L.P. located at XXXX XXXX XXXX, XXXX, TX XXXX. They say they are collecting this debt for XXXX. The the amount is for {$500.00} for the year 2013. I contacted XXXX and they say they can not go back that far in their records. They also say this is a fraudulent account. I am also a victim of identity theft and I have a file located in the XXXX, NJ Police Department.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.

It has been 30 days, and you are in VIOLATION of this law. Please delete these items as soon as possible! 
The alleged account is showing an inaccurate. PAYMENT STATUS, DATE OF LAST ACTIVITY and HIGH CREDIT LIMITS. The law states if it is accurate, it must be deleted, or you will be fined {$1000.00} per violation. 

The following credit reporting agencies XXXX, Transunion, and XXXX have had lawsuits filed for reporting INACCURATE INFORMATION on personal credit files in which you were ordered to pay millions and you continue to do the same illegal practices.
Product: Credit card

Received a fraudulent transactions from XXXX for XXXX on XX/XX/24 on my Discover credit card. I disputed charge with Discover. I am waiting for the results for the investigation/claim for refund.
Product: Credit card or prepaid card

On XXXX 2017 My XXXX sent a certified check via overnight mail to Citibank-in the amount of {$7500.00} to address : Citicards, Citibank / XXXX XXXXXXXX XXXX  XXXX, XXXX, KY,XXXX. The check number is : XXXX again in the amount of {$7500.00}. I have called over 5+times to ask where this payment is-thus far, " no payment has been found '' -this is a lie, as my certified tracking shows mail was delivered. Where is my payment? XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX, XXXX XXXX XXXX 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 : It also states a consumer reporting agency furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

I was scammed by XXXX. I have a business account at XXXX, and someone set up an account at wells fargo in the same name. I got a fraud email about my XXXX  account and called the number and thought I was talking to XXXX  turns out I wasn't. I was instructed to send something to myself and it went to a wells fargo account in the same business name. I called wells fargo telling them there was a fraudulent account under my business name, I got absolutely nowhere with them. XXXX was the amount taken from me. 
I saw there was a lawsuit over this type of thing on the news, so I am reaching out. I will be happy to give a lit more detail to someone if you want more and there is a possibility I could get my money back. 
Thank you
Product: Credit card or prepaid card

I had a XXXX XXXX credit card and my limit was decreased. I have never had a high balance, nor did I ever have a late payment on this account. 

I just received notice today that they closed my account, but to continue making payments. My balance is a mere {$200.00}. 

This is completely unfair as now this credit card has decreased my credit score twice now. One for decreasing limit, which is understood, but two closing my account for nothing that I have done wrong is going to affect my score for the worst. 

How is this allowed?
Product: Credit card or prepaid card

I filed out an application for an balance transfer through Chase Slate credit card to assist with debt with XXXX XXXX. The card came and was approved for {$1800.00}, after doing some more research and speaking with another debt assistant programs I determined the balance transfer would no longer be a fit. I called Chase Slate XX/XX/18, and they refused to cancel. Chase Slate claim the electronic transfer was in " process '' and it was no way to cancel and they blamed XXXX XXXX stating once the transfer goes through it would be XXXX XXXX responsibility to cancel. I then contacted XXXX  XXXX who of course were adamant that Chase Slate is responsibility, I called back Chase Slate with XXXX XXXX on the phone who argued against Chase Slate claims and ask to speak with an supervisor they stated all the could do is put on record I want to cancel but they could not do anything else.
Product: Bank account or service

" Teen Account '' with my daughter, I was co-signer, to help her learn banking. Suddenly check after check bounced. Discovered Wells Fargo changed her account to an " adult '' account not realizing she had direct deposit to teen acct. for paychecks from a XXXX company. Deposits continued to original teen account, while all spending went through " new account '' causing approx {$400.00} in OD charges, which WF would only write off XXXX. Financially difficult for me to pay OD charges off, did and closed account. I was LIVID. Occured XX/XX/XXXX, XX/XX/XXXX. Just called WF CS and giving my ( adult/Mom ) SS # they do n't even show my minor daughter being ever on a shared account with my SS #! With todays news I called WF CS # and was told by rep that she is in a call center and ca n't help me, I need to visit a WF banker personally. My daughter now lives in XXXX and I 'm in XXXX. All I want is XXXX % of the OD charges I had to pay refunded. WF moved her into another account on their whimsy and caused me to spend hundreds of dollars in OD funds. As of XXXX/XXXX/XXXX b/c I do n't have account paperwork there is nothing WF can do today. I have moved across country several times and do NOT have paperwork, b/c banking is now done online, do not accept their " excuse '' that I do n't have paperwork.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, PayPal made my remaining Account balance available for me to withdraw as 180 days had passed since my Account was limited ; and they notified me of this decision via email to : XXXX which is my Paypal account. Thank you.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$170.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$12000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$10000.00} XXXX XXXX XXXX  - XX/XX/XXXX - {$1400.00} XXXX - XXXX - XX/XX/XXXX - {$230.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$750.00}
Product: Checking or savings account

On XX/XX/XXXX, I received an email from Citibank containing an offer to " Earn up to {$700.00} cash '' for " mak [ ing ] a qualifying deposit in a Citibank Savings Plus Account or Citi Savings Account. '' I enrolled in the offer the same day I received the promotional email from Citi on XX/XX/XXXX. I clicked through the link in the email to enroll in the offer. A few days thereafter, I funded the Savings account, precisely for the purposes of meeting the offer 's conditions. I also maintained the required funds through XX/XX/XXXX, as required under the terms of the offer ( again, specifically for the purposes of meeting the offer 's conditions ). I 've tried to resolve this with Citibank Customer Service a few times now, but they continue to claim that I never enrolled in the offer or satisfied its conditions. I would not have gone through all of these precise steps, if it were not for the offer.
Product: Credit reporting or other personal consumer reports

I have repeatedly asked XXXX, Experian and XXXX to furnish me proof that I authorized the numerous inquiries on my credit report, and they have failed to do so. These inquiries were not authorized by me unless I have an active account associated with them.
Product: Vehicle loan or lease

The car loan, amount for {$31000.00} was paid off by XXXX XXXX XXXX XXXX XX/XX/XXXX to Ally Bank. The check was not found by Ally Bank. The XXXX XXXX Sent another check for the {$31000.00} with additional amount to pay for charges of {$160.00} XX/XX/XXXX, I called Ally Bank to request the title for the car. Ally Bank refused to send the title and wanted us to make additional payments. 
The car loan is paid off to them. See the copy of the checks attached below. 
They have reported my name to the Credit Bureau late for the month of XXXX, XXXX, XXXX and XXXX of this year. 

Thank you for your attention in this matter XXXX XXXX XXXX