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

I was the victim of a fraud, I should have received a service for the value of XXXX XXXX dollars. I made the transfer and that was a scam, I did not receive the service I should have and the person disappeared. I tried to talk to the bank, they even credited the money back to my account, but then they denied it and took the money back. It's XXXX XXXX dollars that was stolen from me and nothing was done. 

I sent money through XXXX to XXXX XXXX on XX/XX/XXXX ( XXXX ) amount of {$1500.00} Another on XX/XX/XXXX ( XXXX ) value of {$1500.00}
Product: Debt collection

I took out a loan from XXXX XXXX in the amount of {$300.00} and it went unpaid and this is from 2009. The debt was sold to a collection agency and they reported negative information to my credit profile. According to the FCRA all debts can only be reported for 7 years and I have written numerous letters and the are refusing to remove the negative information.
Product: Debt collection

Southwest Credit System acquired a charged off account that I had through XXXX. They call me 5 or more times a day from various phone numbers. The majority of the times are robo calls and when i answer, it connects me to a live representative. They usually mask the phone number with an Indiana are code since I live in XXXX. The following is an example of what they are doing and this is just from XXXX XXXX. XXXX called 10 times, XXXX called 5 times, XXXX called 4 times, XXXX called 15 times, XXXX called 11 times, XXXX called 9 times and Unavailable called 6 times. There are other numbers and earlier dates but the above mentioned are the most recent. The times of the calls very during the day. For example XXXX ( XXXX ) XX/XX/XXXX XXXX and XXXX XX/XX/XXXX XXXX and XX/XX/XXXX XX/XX/XXXX XXXX., XXXX. and XXXX XX/XX/XXXX XXXX and XXXX. XX/XX/XXXX XXXX and XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XX/XX/XXXX., XX/XX/XXXX. and XX/XX/XXXX. This company has also put this debt on my credit report which I am trying to dispute. After reporting this, I plan on filing a written cease of communciation notice but I feel this company should be held liable for their collection actions. If any more information is needed please let me know. 
Thank You
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unsolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify customers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians Inaction violates federal law and my rights as a consumer.
Product: Student loan

I graduated college and my payments started at $ XXXX month with a 9.25 % interest rate. I have paid on time every month since, except one time when I paid 3 days after my due date due to my finances. I called a week ahead and spoke with a service rep who stated it was not an issue and that I would n't be late because of my grace period. Within 2 days, they called me and my grandparents 8 times in 1 day. I called and asked them why they were harassing me when I was n't even late and had spoken with their rep prior stating I 'd definitely have it paid within the week it was due. They said they call everyone at that rate and when I told them I was starting to have financial trouble because my payment is so high, they offered no help. I then asked about my interest rate because it had gone up to 9.625 % and they offered no help there as well. I told them I really wanted at least my interest rate lowered if both were n't possible so I could really start paying off my loan and they rudely told me I needed to pay more than the minimum due to make that happen. HOW CAN A PERSON OUT OF COLLEGE AFFORD MORE THAN {$800.00}? They are completely greedy and unreasonable. They will not lower my payment or my interest rate based on my income. I have called multiple times as I am going through financial difficulties and do n't want to default on my loans, but they are less than helpful. Im not calling saying I ca n't pay. I genuinely want to keep paying on my loan, but I do n't know how much longer I can afford this payment and I am afraid of defaulting and getting harassing phone calls everyday.
Product: Credit card or prepaid card

I did not authorize for capital one to pull my information and report inaccurate activity to my credit report. Please remove this inaccurate information because it is a violation of my rights and was not authorized!
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 bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed account to be blocked and deleted company information from Equifax and XXXX. 

Please delete the following account : XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  ) Account Number : XXXX Balance : {$5500.00}
Product: Debt collection

On XX/XX/2022 Navy Federal garnished payroll wages for over {$1600.00}. Navy Federal representatives we're contacted on XX/XX/2022, one by live chat, the other by phone, the one by phone had no information and could not explain why over 1/2 of a paycheck was garnished. The representative stated by phone he could not see where the money went to or why. The online chat representative only gave a number to the account resolution department and also was not specific on why a large amount of money was kept from me. My Navy Federal account shows $ XXXX taken for an " adjustment '', no court order has been placed to garnish wages for this credit card debt with Navy Federal . I have tried in the past to create a payment plan with Navy Federal, however, Navy Federal requires I pay thousands up front in order to begin a high dollar amount payment plan. Navy Federal garnished my wages without warning or order.
Product: Payday loan, title loan, or personal loan

I was contacted by a company called XXXX and was told I had a " summons '' and if I didn't pay $ 900+ a judgement was to be entered against me. I asked for what and where. I was told it was a " payday loan '' from 7 yrs ago, that I had STOPPED paying. I asked further about non-existent summons, told them I live in Arkansas and " payday loans '' are illegal. I was told it was from a XXXX  XXXX XXXX but they could not tell me where. They had at least the last 4 digits of my social security number. I also contacted XXXX  XXXX XXXX after looking them up online and was told the had no record of me having any loan from any of their locations. It was either a scam or someone has used my identity. The number I have for this XXXX is XXXX. My name is XXXX XXXX as and can be contacted by XXXX, or XXXX Thank you for your time and attention.
Product: Student loan

For the better part of 2+ years, i been trying to get a hold of someone to REVIEW my application and give me a prompt response. Ive gotten no information on any updated regarding my Borrower Right to Defense application which was thoroughly documented and submitted. I need this resolved ASAP as i have been patiently waiting and keep reaching out to no updates. See screenshots below. 
THIS IS UNACCEPTABLE for a government agency to take 3 years for disposition on an application!!! Ive suffered losses of homeownership due to these student loans and the length of time that this has taken to be reviewed. THIS IS UTTERLY REPREHENSIBLE AND THE AGENCY AND THE SCHOOL IN QUESTION NEEDS TO BE HELD ACCOUNTABILE. PLEASE REPRIMAND
Product: Credit card or prepaid card

I would like to file a report a fraudulent credit card application. I found a hard inquiry on my credit report tied to a financial institution I have no business with ( Capital One ).
Product: Checking or savings account

I have a checking account with Huntington Bank. It's been more than once the bank updated my contact information without my knowledge, and then they do that my password is being updated so that I will not be able to access my a coint at crucial times. I need an criminall investigation on thos. Also CFB is not taking my complaints seriously as they never contacted me about any of my complaints in the past and that's the whole reason the problem is recurring.
Product: Debt collection

I received a phone call from Midland Credit Management between XX/XX/XXXX - XXXX the agent stated that she was attempting to collect a debt. I told her that I had never contracted with them and that I do not owe them anything. I asked that she and her company cease and desist all communication about this alleged debt. I then received a package by XXXX  a few days later. Upon me checking on my credit report on XX/XX/XXXX, I notice that they were reporting this alleged debt to the Credit Reporting Companies as well which is a violation under the FDCPA.
Product: Credit card or prepaid card

Dear Sir/Madam, I got my XXXX business credit card for its fuel program in XX/XX/XXXX, with Account # : XXXX and business Name : XXXX XXXX XXXX. The credit card 's spending limit is only {$200.00}. 
Unlike other gas companies ' gas credit cards, such as XXXX XXXXXXXX XXXX, XXXX  does not provide monthly auto-payment service to cardholders. If cardholders miss the monthly due date, XXXX charges {$75.00}, a very high late fee comparing with its very low credit line. Cardholders have to be very careful for making one-time only online payment by the due date to avoid the late fee. I phoned XXXX customer service to complain their lacking of auto-payment service, which is very important for cardholder to avoid late fee. However, XXXX still does not provide the important service. 
I forgot to do the one-time online payment to my balance ( {$48.00} ) in XXXX ( statement attached ), XXXX charged {$75.00} late fee on my balance in XXXX ( statement attached ). I wrote online complain to XXXX   on XX/XX/XXXX, who responded me an email ( attached ) on XX/XX/XXXX stating that I qualify for 50 % off the late, finance fee waiver. I wrote another online complain to XXXX to request a 100 % waiver of the late fee. XXXX   responded me another email ( attached ) on XX/XX/XXXX stating that I am not eligible for a fee waiver. I phoned XXXX customer service to inquire the waiver on XX/XX/XXXX and XXXX. Eventually XXXX credited {$37.00}, 50 % of the late fee, to my balance on XX/XX/XXXX ( attached ). 
Since the late fee charged to me is mainly XXXX 's failure to provide cardholders auto-payment service, I hope the CFPB could help have XXXX credit the other 50 % of the late fee to me, and help have XXXX   provide auto-payment service to cardholders for avoiding the very high late fee in the future. Thank you so much for your kind help. 
Best regards, XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX a check in the amount of XXXX was mailed from card services for a balance transfer on an Amazon credit card . The payment was sent by mistake to synchrony amazon. The acct number and name of the individual the payment was for was included on the check. Rather than returning the check due to wrong information, synchrony bank cashed the check on XX/XX/XXXX however the amazon account was not credited the funds. We have a copy of the cleared check. Synchrony was initially contacted XX/XX/XXXX and requested written explanation of what occurred. A letter was sent with a copy of the cleared check. We were told that we should hear something within 30 days but received nothing. Did a conference call XX/XX/XXXX again we were told to send a letter explaining the situation and a copy of cleared check which we did again and to give them another 30 days. Also during the conference call I asked to speak with someone in the accounting dept but was told they cant do that. As of XX/XX/XXXX we still havent received a response as to the status of these funds. Our chardholder has also made efforts and received no response. At this point our cardholder still has a balance on the card he intended to be paid off by the balance transfer, synchrony bank has {$2700.00} of our money. We were told by our card company they are unable to assist further because the balance transfer check has already cleared.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : also states consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, a hard pull appeared on my credit report without my consent or any warning. I went into XXXX XXXX 's at the XXXX XXXX mall in XXXX, Wisconsin. I was looking at rings with my girlfriend. The associate knew we did not intend to buy that day but insisted that I make an account with them. I decided to go ahead and do so. They asked me for various personal information, however, they did not ask me or warn me about doing a hard pull on my credit. I did not apply for a store credit card or any financing.
Product: Credit reporting or other personal consumer reports

I have fraudulent inquires from XXXX XXXX  dated XX/XX/XXXX, XXXX XXXX  dated XX/XX/XXXX and XXXX XXXX XXXX  XXXX dated XX/XX/XXXX on my Equifax credit report. I have been reaching out to them since XXXX of XXXX. They keep requesting that I send in a copy of my I.D and social security card. I sent in serveral colored enlarged copies but they keep saying its not legible or they never received it. Can someone please help.
Product: Money transfer, virtual currency, or money service

On evening of XXXX XXXX XXXX I sent a XXXX  payment of {$350.00} to a recipient I had previously sent funds to through Chase 's XXXXXXXX option several times. Immediately after sending the funds I realized that I sent the funds to the recipient 's old bank account even though it had a XXXX  XXXX  next to the number which is why I thought it was an active account, I called Chase 25 minutes later to ask for a reversal. Chase reps advised the funds already got processed, despite the transaction still reflecting " pending '' in my account up until 24 hours later. Chase reps XXXX stated that the funding to the recipient " failed '' and funds would automatically be returned to my account within 48 business hours. That never happened. Chase reps I contacted over the last week all have a different version of status of my claim, some stating there was no " failed funding '' ever noted. I asked Chase where my money was and I was told it hit the account I sent it, however they refuse to provide that banks name ir account number or any other proof, and they are refusing to return my funds. The intended recipient claims she did not receive the funds, because it is a closed and former back account. Chase claims they can't do anything for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take notice that I have taken all necessary step in supplying all needed evidence in order for the corporation ( s ) XXXX/EXPERIAN/XXXX to adjust and remove all negative reports from my credit file. As of X/X/2017 it is still reflecting the negative remarks as of XX/XX/2017, which is hindering me from any future financial growth. I am informing you of these direct '' violations '' with the desired outcome of you helping me in getting said violation removed from my credit report. as of today I will fax you copies of said completion on my behalf. Please help me help myself.
Product: Credit reporting or other personal consumer reports

I am formally requesting that XXXX, XXXX, and TransUnion remove the following items from my credit reports. It is imperative that my credit reports accurately reflect no negative items. This serves as a follow-up to my previous complaint, as I anticipate that upon updating my credit reports, the listed items below will have been removed : XXXX : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX : {$0.00}
Product: Money transfer, virtual currency, or money service

I sold my home. The attorney deposited my proceeds into my bank account at Wells Fargo on XX/XX/2018. Today is XX/XX/2018 and my funds are still not available. I contacted Wells Fargo last Thursday XX/XX/2018 regarding the hold they placed on my funds. I was told the hold would be withdrawn and the funds would be available in a day. When the funds did not become available, I contacted the bank again. 

I am now told it will be tomorrow XX/XX/2018. While I understand a hold on a large deposit, I feel from XX/XX/XXXX until XX/XX/XXXX is beyond reasonable. The money deposited was from an attorney who distributed the money at my home closing. I am purchasing a home and need the funds. Hopefully, the money will be in my account tomorrow - XX/XX/XXXX - but I would appreciate someone looking into this matter. I have been a long time very good customer of Wells Fargo and I do not appreciate what feels like their denial of my money. 

Thank you.
Product: Credit card

I am having account issues with : Synchrony Bank XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Contact info is from the XXXX website where they are listed as unaccredited even though they have been in business for 91 years. With a customer review score of XXXX stars out of XXXX, here is my story... 

First became a customer of Synchrony Bank when I received credit after signing with Discount Tire in XXXX  XXXX, building up a credit line of {$2700.00} by XXXX. I have been a Discount Tire customer for over 20 years. 

In XXXX, I signed for credit at TJ Maxx and received a credit line of {$1300.00} to be used at multiple retail stores connected to this card. 

In XXXX of XXXX, I signed for credit with Dick 's Sporting Goods and received a {$2200.00} credit line. 

Outside of my TJ Maxx credit line being lowered to {$1200.00} in XXXX, which was odd, I never had any issues up until recently. 

About 2 months after receiving my Dick 's {$2200.00} credit line in XXXX of XXXX, my credit limit with them was suddenly lowered to {$420.00}. The electronic communication I received about this lowering of my credit limit spoke about things that have nothing to do with my credit line with this company or how I would be using it since my use of credit that I signed for, affects me and my credit score and not Synchrony Bank. The language of that communication was just like you would receive if you had been straight up denied credit when applying with a less than ideal credit score, using terms like " credit worthiness '' and " too many inquiries '' and " high balances '' etc. These credit lines all required my signature and effect me exclusively with no damage to Synchrony Bank or any other financial entity. 

Barely a month later, I was informed by the credit bureaus that an account had been closed when I had done no such thing. Upon reviewing the credit alerts I found that Synchrony bank had closed my TJ Maxx account, without even a notice, freezing {$30.00} worth of rewards and further damaging my credit. 

Now, earlier this month, XX/XX/XXXX, I have been informed electronically that Synchrony Bank has lowered my Discount Tire credit limit to {$2000.00} effectively taking away the {$600.00} I just paid down on my balance over the last couple months. The language of this credit limit lowering was nearly identical to what I received after the Dick 's credit line was decimated. 

All this activity has effected my credit score adversely with the loss of over {$3500.00} of available credit and rewards, not to mention that my ability to purchase at these stores has been compromised. 

The only other thing that I must include about the Discount Tire account is the fact that over the last year, two large credit payments that I made were " held '' by Synchrony Bank and though " credited '' to my account, the funds were not made available until 2 weeks the first time and an entire month the second time. 

Sincerely, A thoroughly dissatisfied customer who has always taken responsibility for his own actions financially, regardless of what scores and bureaus have to say about this human being.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these bank accounts that were open up Fraudently the bank accounts are XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX i have sent in numerous documentation with early warning services this company get paid off people debt even if is not yours the are in violation of the fair reporting act
Product: Credit reporting, credit repair services, or other personal consumer reports

after reviewing my credit report with XXXX, there are 14 Inquiries showing on my credit report. I only recognize 3 Inquiries that I actually gave consent to pull my report and that's XXXX XXXX on XX/XX/XXXX XXXX on XXXX XXXX, and XXXX on XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries were pulled on my credit report that I didnt not authorize or give permission to be ran by. Those companies are : XXXX XXXXXXXX XXXX Ally Financial, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Those companies have ran my credit across all 3 major credit bureaus : XXXX, XXXX and d XXXX.
Product: Debt collection

I contacted iq data collection agency about paying, they would not work with me on payments, they said they would not take payments and wouldn't take check or money order for payment. Hindering payment. Iq data also threatened to move forward with next steps in debt collection, and not removing the negative collection on my credit report.