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

I am filing a complaint regarding unauthorized or disputed transactions made through Zelle and XXXX XXXX. These transactions were not initiated or approved by me, yet the funds were withdrawn from my account. I contacted my financial institution and the respective payment platforms to dispute these charges and request reimbursement. However they have not resolved the issue to my satifaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute with TransUnion about a late a payment on my credit. Se nt a Goodwill letter   the company was willing to remove the late payment of 30days. After th e dispute was complete TransUnion report false information report that I am between  30 and 59 days late which isnt true I have my statement so this dropped my score over   XXXX   points which isn t fair.
Product: Credit reporting or other personal consumer reports

I have viewed my Equifax creditreport on XXXX XXXX. This is the only way I'm ablt to see my report. When I reuest a report or try and access it online I can not. Anyway my reason for contacting you is because I have noticed some accounts that are not reporting correctly. Under the FCRA I have a right to dispute any information that I Beleive is not correct. XXXX is not posting accurate information on my consumer report. I have attached my documents with my findings.
Product: Checking or savings account

XXXX XXXX ATM withdrawal claim. 
On XX/XX/ I tried went to a Wells Fargo ATM located at XXXX XXXX XXXX XXXX XXXX, FL XXXX in order to deposit cash that I had in my wallet for about {$120.00}. 
The ATM was not accepting my {$100.00} to after the third try I told the ATM to return my money and left. 
The ATM did not return my card right there and then and left my session open long enough so that someone else had the chance to withdraw {$200.00} from my checking account. 
The next day I went to a Wells Fargo branch to make my deposit in person and there I realized I was missing {$200.00} in my balance. I called and filed a claim, which was assigned number XXXX Today, XX/XX/ I called to inquire on the status of my claim and I'm being told the bank has denied the claim, with the argument that : -The withdrawal was only {$200.00} and the bank 's reasoning is that if someone had access to withdrawing money they would have taken more, not just {$200.00}. 
XXXX, who refused to give any ID or last name and said that my claim number should suffice me at XXXX XXXX told me that that is the only reason the bank will disclose to me, because any other information being disclosed would enable fraud. 
-Says also that even if there is a camera at the ATM and they were able to see it was someone else withdrawing my funds from my account it is my fault because I left my card at the ATM, despite the fact that the ATM should have given me my card back when I took my deposit items back, required a PIN reentered with a new transaction, specially a withdrawal, and closed my session promptly to prevent this. 
The ATM is there to replace a human teller, under whose watch this would not have happened. In other words, for the bank 's convenience and lower cost of doing business. 
XXXX XXXX also states that if someone wanted to withdraw money from my account after I was done with the deposit attempt they would have had to reenter my PIN again, ( which I know I did not reenter ) but still my fault because maybe I let someone see it and the bank is not taking any responsibility. 
I have also been told the bank can not provide any written response at the time of this claim being filed with CFPB. 
Attached is a screenshot of my account transactions, showing the unauthorized withdrawal and and the deposit of the cash the day after, on XXXX XXXX  at the physical branch, when the missing funds were noticed.
Product: Mortgage

My loan was serviced by XXXX XXXX and it was recently moved to Specialized Loan Servicing. I have had nothing but trouble with the new loan service. I want to make my XXXX payment but they have not applied the money that was sent to them on XX/XX/19 by Save your home California. I have sent a number of emails and have spent hours on the phone with them requesting that they apply the payment so I can make the XXXX payment. In addition even though they are supposed to pay for my Hazard Insurance and Property Taxes they  claim I do not have Hazard Insurance. I am trying to verify that they are paying my property tax. I do not trust this company at all and I am very upset that I am forced to deal with them. Any assistance you could supply would be great.
Product: Debt collection

My name is XXXX XXXX XXXX XXXX XXXX. We previously resided in XXXX XXXX XXXX Florida XXXX. 
We moved to California in XX/XX/2023. We used to have XXXX XXXX and XXXX insurance in Florida. Shortly after moving to CA we asked XXXX to transfer our insurance to CA state. But they said they couldn't cover the type of insurance that we needed in CA. So we canceled with XXXX and moved our business to XXXX. 

I called progressive since it was half way through the month and spoke with XXXX XXXX. Since XXXX sent us a reimbursement check for our homeowners insurance but we were awaiting what would happen with our auto insurance policy for our company vehicle. I spoke with progressive and they said there was a premium amount outstanding and that I couldn't dispute a cancellation charge since it had already gone to a collection company!!! About a week or so later i received a letter from a company called Caine and Weiner and i was absolutely shocked we had been treated like this by XXXX. So I made the payment which included a cancellation fee, rather than waste any more energy disputing. I have just received my credit report and I am absolutely disgusted that a company can tarnish your whole report based on nothing! In any other country this would be illegal. Please remove this otherwise I will contact a consumer protection attorney for misuse of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX contacted Equifax, XXXX, XXXX, AND XXXX XXXX XXXX on XX/XX/22 XXXX XX/XX/22 XX/XX/22 XX/XX/22 via FAX -EMAIL AND CERTIFIED MAIL TO DISPUTE WRONGFULLY & FRAUDULENT INQUIRIES AND FRAUDULENT ACCOUNTS they did not investigate DELETE.nor block the information from appearing on my personal credit report yet the companies are reporting inaccurate information which is defamatory of character under Law 2243.. due to me being a victim of identity theft nor did they send me any proof of investigation results or SHOW ME PROOF OF THIS DEBT! EQUIFAX CLAIM THEY WILL INVESTIGATE HOWEVER THEY DID NOT THE INQUIRIES ARE BELOW XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX AND ANY OTHER INQUIRIES THEY ARE FRAUDULENT I HAVE SENT EQUIFAX MY IDENTITY THEFT INFORMATION A VALID POLICE REPORT DRIVER LICENSE EQUIFAX HAVE BLOCKED ME FROM ACCESSING MY ACCOUNT VIA PHONE THEY HAVE NOT UPDATED MY ADDRESS TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX yet they have other fraudulent addresses I also sent all companies SECTION 605 of the fair credit reporting act IVE ALSO SENT IT TO XXXX  XXXX XXXX XXXX $ IS NOT MY ACCOUNT ITS NEGATIVE and fraudulent!! 

XXXX IS ALSO IN VIOLATIONS OF SECTION 605 AFTER I SENT PROOF VIA CERTIFIED MAIL OF MY DISPUTE TO BLOCK OR REMOVE THE FRAUDULENT ACCOUNT : XXXX XXXX LATE PAYMENTS OF POSSIBLE FINANCE AND LATE PAYMENT WITH XXXX 
Im filing a CIVIL SUIT IN THE COURT OF LAW FOR REPORTING INACCURATE AND FRAUDULENT ACCOUNTS OR INQUIRIES AND WILL HOLD THESE COMPANIES LIABLE I WILL ALSO SEEK MONETARY DAMAGES FROM XXXX EQUIFAX XXXX XXXX XXXX XXXX  FOR VIOLATING MY CONSUMER RIGHTS AND DAMAGING MY PERSONAL CREDIT
Product: Debt collection

Debt collection agency contacted XXXX XXXX  and obtained an itemized bill which is against XXXX, they also could not provide a copy of my signature giving permission to release my information to third parties or any piece of evidence that tied me to the debt other than my name after sending them certified mail requesting breakdown of fees as well as signature. I will be sending another letter as well as proceeding with legal action.
Product: Checking or savings account

I opened my Chime account in XX/XX/XXXX because I was interested in their credit builder feature along with the advertised high yield savings account. I have a savings, checking, and credit builder account with Chime. I receive approximately XXXX of my direct deposited check in my Chimes Checking account weekly and usually transfer some of this check into my Chimes savings, and a portion to sent to my external XXXX checking account. On Monday, XX/XX/XXXX I attempted to log into my Chime account but was unable to log in. Instead there was a message that read that I should contact Chime via email to verify my identity due to unusual activity on my account. I went to my email and there was an email from XXXX requesting that I send in a copy of a government issued ID and a utility bill to verify my address. I promptly sent these things in. Then I received another email from XXXX requesting that I send in a copy of a government issued ID and a completed W-9 form. I initially responded to the email requesting to speak to someone who could explain why a W-9 was required but when I didnt hear back, I sent in a picture of my Louisiana Drivers license and a completed W-9. Then I received another email from Chime requesting that I resend the same information again and I did. The next email requested that I send in a picture of a different government issued ID so I sent in a picture of my passport, and the response was that that was sufficient to open my account either. I emailed with them back and forth and sent documents on each day between XXXX and XXXX. I also called the Chime Customer service number listed on some of the emails and XXXX XXXX. Each time I spoke with someone who gave me a generic response and was told it was another department that handled verification of identities. I was never connected to anyone who could explain what was wrong with the documents I submitted. 
On XX/XX/XXXX, my suspicion increased and I started googling Chime complaints and realized several customers had experienced the same sort of thing. I had never had a serious problem with Chime before this. I used their credit builder feature for a short period of time, but I didnt like how it showed up on my credit report so I stopped using it. I also had a debit card that didnt seem to work but I didnt really need to use their debit card since my sole purpose was saving money on this account. 
Im very distressed about this situation because the last time I checked my balance was approximately {$25000.00} and I need to gain access to my money. I have very expensive financial obligations that I might not be able to meet if I cant regain access to my money soon.
Product: Vehicle loan or lease

I own a XXXX. I financed thru XXXX. The loan holder is XXXX XXXX XXXX 

Because my APR is high ( XXXX ), I wanted to refinance the remaining balance of nearly XXXX. 

I checked several lenders, best total amount was from Capital One. 

Their quote was {$1200.00} for 29 months. Then after signatures, calls back and forth they said my monthly payment is {$1200.00}. 

They said the reason is that the payoff amount is different. I didn't even enter a payoff balance, they said they find my loan with my VIN themselves and now they are changing terms.
Product: Checking or savings account

I've been a customer of Capital One bank for score of years. Recently I wanted to add an external account so as to transfer funds. I added one that I was not supposed to add, for I was not owner or co-owner of that account. However, at the time I was adding it, I was never asked about whether I was a owner or not. Anyway, they locked my accounts and when I called them, their representative accused me of repeat offences in adding an non-owner external account. On learning this, I deleted that external account immediately. The representative continue to ask me about the owner 's name, which I gave. When she asked me what I want to do with the external account, I thought I was not obligated to give that information, and refused to answer her. She got angry and ended our conversation. The next day, they sent me an email saying they are investigating and wanted me to called them, which I did. They then told me that they have decided to end their relationship with me, and will release the fund to me after investigation, so and so. That was XXXX XXXX. To this day, my accounts are still locked, and this was more than two weeks already. Please help.
Product: Credit card or prepaid card

When I make a payment, my account is closed to further purchases until my payment is processed and posted, and that can take up to 7 days. I was told that in order to avoid the problem, I should make payments less often. I make payments often in order to insure that I pay minimal or no interest charges, this policy feels like the intent is to make me less likely to pay as often, so more likely to incur unneccessary interest charges and possibly late fees. For example, my account limit is {$1500.00}, I had a balance of {$400.00}, so available credit of {$1000.00}. I made a payment of {$400.00}, and now my available credit is {$0.00} until the payment is processed and posted, which I am told could take up to 7 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a predatory loan in XX/XX/2018. I walked into XXXX XXXX XXXX looking to purchase a vehicle. The salesman by the name of XXXX assured me he would assist me throughout the process. From the beginning of the process until the end my father and I was forced into an agreement without the proper information. The agreement was not explained in its entirety and everything the salesman told us was completely different from the contract. We expressed the concern to XXXX XXXX XXXX the very next day. They forced us out of the office and aggressively stated the right to rescind was not allowed. We had no knowledge of the federal law at the time. There were a multitude of malicious things that happened during our experience. My father was listed as the primary holder and me as the co-signer. We were never informed that during the process nor did we see that in the contract. The contract that was provided to us and the one received from XXXX XXXX was completely different. We were taking advantage of as consumers. XXXX XXXX are contracted with a company that is doing bad business. As a consumer entering into a uniformed agreement. XXXX XXXXXXXX had charged the account off without considering the violations that has taken place by the XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I initialed a wire of XXXX dollars on XX/XX/2020, and its lost. My receiver never got it. Its was simply a money repay and I provided these information so many times. I sent at least 50 chase message to the investigation team and they wont even track the money for me. They just keep giving me nothing important messages, and not helping alt all.
Product: Debt collection

I am requesting for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that EOS CCA provides me with competent evidence that I have any legal obligation to pay them. I am asking EOS CCA to please provide the following:1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my " WET '' signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. If proper validation of the alleged debt can not be provided, I demand EOS CCA immediately delete and completely remove this alleged account from my credit file with all three credit reporting agencies ( XXXX, XXXX and XXXX ). I also demand that EOS CCA agrees to have no contact in any form with me regarding this alleged debt now or in the future. Lastly, I demand that EOS CCA agrees to remove my personal information from all accounts in its companies database.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX and I received my credit report to find that things were put on my report that was not authorized by me, I didnt give anyone written consent.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below.

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
Account Name : XXXX  XXXX  Account Number : XXXX Account Bal : {$93.00} Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
Account Name : XXXX  XXXX  Account Number : XXXX Account Bal : {$370.00} Please remove it from my credit report. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE.

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : BETTER BUSINESS BUREAU CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Debt collection

it is a  XXXX   bill that I d ropped off the equipment years ago to their office the lady said her computer was down could provide a receipt and now I am getting collection calls from this company of which I gave  XXXX  a  one  month notice that I was canceling my services and now my  credit score is d amamged because of this fake bill and collections threats from afni collection company docket number #  XXXX  please help and have them remove the fake collections on personal info, it is unfair to the consumer these people are allowed to do this without any documentation from  XXXX  ..cable company
Product: Debt collection

XXXX XXXX, 2017 XXXX XXXX XXXX called my phone attempting to collect a debt. I told them I was unsure this debt was mine, and I asked for a letter of validation. The representative on the phone would not send a validation letter, but said he would settle the debt for 50 % of the price and send a letter in the mail stating that the debt was paid. I am reporting this company for refusing to send validation. I was on the phone for 5 minuets and 10 seconds, which is more than enough time to tell me they would send a validation letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS XXXX XXXX AND EXPERIAN ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERE ARE ALSO 2 ADDRESSES ( XXXX XXXX XXXX XXXX, XXXX XXXX ) & ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUS DEPT OF ED/XXXX XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE XXXX AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUS DEPT OF ED/XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Help me create a dispute letter using XXXX XXXX  for civil liability for negligence, not complaints.
Product: Credit reporting or other personal consumer reports

I have filed over XXXX disputes through TransUnion and XXXX and XXXX trying to get XXXX to report my XXXX credit card with a XXXX balance .. they state they are reporting my account accurately but thats a XXXX! I paid off my XXXX credit card on XX/XX/year>2024. They show me with a balance back in XXXX which is true but they never update my account! Its been paid off since XX/XX/year>2024! Please help me .. this is hurting my credit score..
Product: Mortgage

For the last several months I have been attempting to go through the Loan Modification process with Select Portfolio Servicing ( SPS ). Even as of 1 hour ago ( literally ), I was told that I have submitted all of the documents that have been requested and this was done the week of XX/XX/XXXX, so it has been several weeks. 

They ALWAYS find something wrong with the documents i have submitted. I have heard every excuse from them - Like " they can not read what I have submitted ( even though its typed ) '', they " can not find the information on a bank statement '', even thought it is in plain view and circled. Or, " please submit again, we do n't have that info '' ... when I have already submitted it. XXXX will also randomly call me and hang up, I have records of all these calls, at least 2-3x per week. I am assuming someone is calling me back but does n't want to actually speak to me or help. 

My RELATIONSHIP XXXX changes every couple of months so every time I am lucky enough to get someone on the phone ( which is rare ), they do n't know anything about me or my situation and it must be explained again and again. I have had 4 RELATIONSHIP XXXX in the past few months. I have 3 of the 4 names, one I can not find. XXXX XXXX, XXXX XXXX, and XXXX XXXX. None of them want to help me and I get the run around. I submit documents EXACTLY how they ask for, then they will claim that they can not read or find something when it is plainly stated on the document. 
They have an excuses for everything. If you just XXXX " complaint or scam '' and XXXX or XXXX XXXX XXXX ... you will literally have thousands of posts come up so I am not the only person dealing with this. 
Sincerely, XXXX