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

I received a call from XXXX with XXXX and XXXX from ( XXXX ) XXXX on XX/XX/XXXX. She stated Wells Fargo was suing me for XXXX  and if I paid that would be it but if I dispute it theyd add XXXX in attorneys fees and take me to court. I said I didnt want to blindly pay something I dont recall from XXXX and she said call Wells Fargo and theyll verify the charge for me. I called Well Fargo and after speak with about XXXX representatives from various departments, including the XXXX  and XXXX departments I called XXXX back to let her know Wells Fargo said I dont owe them anything and this is most likely a scam. I asked the last representative in the Wells Fargo XXXX department for an email or letter stating I did not owe anything incase this somehow goes to court and they told me they do not provide letters but she assured me they dont sell off their debt and no one should be collecting money on Wells Fargos behalf.
Product: Credit reporting or other personal consumer reports

In accordance with the fair act credit reporting.The list of accounts below has violated my federally protected consumer report privacy and confidentially under 15 USC 1681XXXX # XXXX XXXX XXXX XXXX and account # XXXX. 15 u.s.c 1681 section 602 A.States i have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the finding items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency
Product: Credit reporting or other personal consumer reports

Equifax continues to report inquires that have reported as fraudulent. I have sent them the FTC report and police report and they still keeps reporting.. XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX  - XX/XX/XXXX . I have reported Equifax several times before but they will not remove them
Product: Credit card

I paid off my credit card with my bonus on XX/XX/XXXX, around {$3200.00}, which showed removed from my bank account on XX/XX/XXXX. I attempted to make a {$1500.00} purchase on XX/XX/XXXX and was denied through insufficient funds. I called Synchrony bank and they informed me that my payment was completed, but I could not use my card until the XXXX because they had put a hold on the payment. I explained that it had already cleared my bank account and they said there was nothing they could do. So I am unable to use the card for 7 days even though I paid it on time. If this was known, I wouldnt have paid the card off and been dependent on it to pay for things this weekend.
Product: Credit reporting or other personal consumer reports

Our home mortgage loan was initiated by XXXX in 2013. This mortgage has changed service providers multiple times over the past XXXX  years. In XXXX  2024, we were notified that our loan was now being serviced by Shellpoint Mortgage Servicing. In XXXX I received a notification that my credit score had dropped XXXX points. The reason for this sudden change was noted on my credit report as a reported increase of my mortgage balance of {$130000.00}. This {$130000.00} is a deferred amount that is not due and payable until the maturity date of the loan which is on XX/XX/XXXX as outlined in our mortgage loan contract. Shellpoint is the ONLY service provider to unlawfully report this amount. We asked them to reverse this reporting and they declined. We want this amount taken off our credit report and reported in XXXX when it becomes due.
Product: Checking or savings account

I bank with Bank of America for three years I lost my bag that had all my important things in there even my cell phone my social my birth certificate my ID I had to go to the police department to get a a card they said I cant make a repost if something was lost not stolen I have to talk to the bank I called the bank before 60 days when I notice my bag wasnt in my suit case or in the car I went on my account and seen they let someone spend over XXXX a day on my card when they told me when I first made the account thats how much a day who ever has my card spent over XXXX dollars they denied my claim two and keep asking me to do things I done everything they asked its been over 180 days pass they still wont put my money back in my account or show me why they keep denying saying charges I didnt do cause the person knew my pin I have XXXX kids Im going to lose my house this Friday if I dont pay they keep denying my case reopening it I need my money back their playing with my life
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, I sent {$4000.00} via XXXX ( XXXX ). I filed a claim with Bank of America and faxed over evidence that I was scam. Bank of America contacted XXXX XXXX. Both acknowledged that there is an account holder who received my money to the XXXX account. My bank clearly agrees its a scam, but the banks refuse to do any to help my any retrieve scammed money from the account holder or give me a valid d reason why my claim has s being denied. They are ignoring the supplied evidence of the fraudulent scam.
Product: Debt or credit management

I was a customer with Tally to help payoff my credit card balances. Tally uses a revolving credit line. You pay them monthly and they pay your credit card in return, and make bigger payments to avoid interest. On XX/XX/XXXX, Tally emailed me and said they wouldnt be paying my credit card. I emailed them and asked why and they said it was a problem with XXXXXXXX XXXX. I called XXXX XXXX and they assured nothing was wrong. I spent the next XXXX weeks trying to fix this but everyone kept emailing me instructions on how to link my account back. Every time I tried, it would fail. I continued to make my payments to Tally and now my credit card, which defeats the purpose of this service. Then on XX/XX/year> Tally announced that they were going out of business and that XXXX and XXXX XXXX XXXX ( XXXX ) were buying their debt and my balance was now turning into a XXXX year loan. My credit line with Tally was {$3000.00}. With XXXX, I know have a XXXX year loan that is going to be {$4800.00}. This is unfair as Tally never told me that they were going under and kept blaming XXXXXXXX XXXX  for my issues, when it was really because they failed to to deliver their services. This is unfair to me and I am in more debt because of it.
Product: Payday loan, title loan, or personal loan

Hello. I placed XXXX separate orders from different stores using Klarna. I was behind on payments and was given until XX/XX/2023 to pay the balance on XXXX of the orders & XX/XX/2023 for the last order. I owed them a total of {$820.00}. On XX/XX/2023, I initiated payment for all orders for a total of {$820.00}, which posted to my bank account on XX/XX/2023. My payments weren't shown on Klarna 's app so I contacted them via chat and the agent stated they received my payment & it will reflect on their app within a week. Unfortunately, they deleted this chat before I could take screenshots. 
On XX/XX/2023 I then noticed XXXX more charges from Klarna & then XXXX more charges on XX/XX/2023 ( that I did not owe ). I contacted them again and they informed me a refund will be issued within 10 days. Again I did not screenshot this because I did not think I would be going through this. 
On XXXX XXXX I received XXXX emails from XXXX, a debt collection agency, stating I owe Klarna a debt. I disputed them immediately and contacted Klarna. I spoke with XXXX Klarna agents, XXXX on chat on their app and the other XXXX the phone. They both told me my orders were sent to collections and to contact XXXX. They're both claiming to not see my {$820.00} payment. The woman on the phone hung up in my face as I was expressing my concern. Klarna then blocked my account so I am unable to contact them via app. 
XXXX is a screenshot from my conversation with klarna on XXXX XXXX after i seen the extra charges on my account* *Other screenshots from Klarna 's chat were after I was hung up on via phone call XX/XX/2023 so I was very frustrated as you may see*
Product: Money transfer, virtual currency, or money service

Venmo had my account open and told me I could use my money or transfer it when it cleared. The minute I went to transfer the balance out into my bank account, they blocked my account and said I breached the terms. They blocked the account and I cant use my barcode or send the money, and there is no customer service. This company is owned by PayPal, and they too steal the money when I make an invoice for my single member llc service I offer, and they hold it for a minimum of 3 weeks. One time they made me wait a month for {$2000.00}, and then they said that it would require an additional one month for processing. I called the client and he said the money cleared the same day he paid me. PayPal then has lendio send you offers for financing, so they can charge you interest to get the money they legally are supposed to send within a few days. Every single time I send them a chat request for support, I get a lendio message right afterward. PayPal and Venmo are extremely unscrupulous, and I believe this is conversion, which is a felony and fraud and deceipt. I recommend a fine of XXXX XXXX dollars, as this amount will hardly even scuff their shoes.
Product: Credit reporting or other personal consumer reports

This account is not mine and I'm a victim of identify theft. I reported this account was unauthorized on XX/XX/2020, The Creditor has stated that the account was authorized and closed the account. This account has been paid for due for the sake of my credit report. This Merchant has reported this account delinquent on my Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is inaccurately reporting a bankruptcy on my report along with multiple accounts they are stating was included in a bankruptcy. 

The court house it states it was filed at sent me a letter stating they do not provide such information to credit bureaus. 

Transunion verified it. When I asked who they verified it through they stated XXXX XXXX. 

When I sent the letter from the court house to XXXX XXXX, they deleted the information immediately as it was all inaccurate. 

When I tried to re dispute the inaccurate information with Transunion they wont allow me because they claim they have already verified the info. If the courts stated they dont provide bankruptcy information to transunion. XXXX XXXX doesn't have a bankruptcy on their file to verify it and their accounts, then it is not being verified and transunion is lying about verifying the accounts and the bankruptcy along with any information pertaining to a bankruptcy needs deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXXXXXX XXXX XXXXXXXX Balance : {$4600.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00}.
Product: Debt collection

Portfolio Recovery Associates has committed fraud and defamation. This company alleged I owe a debt however has not provided a copy of the XXXX or a copy of a lawful and legally binding contract between between myself and Portfolio Recovery Associates bearing my signature furthermore Portfolio Recovery Associates is not Licensed, Registered or Authorized to operate in the state of New York Where I reside a copy of all the state where they can legally operate is enclosed as an attachment. This company has also violated 15 USC 1692j ( a ) by furnishing deceptive forms to coerce me into thinking I owe this alleged debt which I will NOT pay unless they provide a copy of the XXXX, a lawful and legally binding contract with my signature between myself and Portfolio Recovery Associates and a copy of their license showing they can legally and lawfully conduct business in NYS. 

Further as a financial institution as per 15 USC 6827 ( 4 ) ( A ) has disobeyed 15 USC 6801 ( a ) by not providing me the opportunity to Opt Out of information sharing and sharing my non public personal information with non affiliated third party XXXX XXXX  companies which has caused injury to my character, reputation, credit worthiness, credit standing and my right to extend credit. Proof provided as attachment labeled as Exhibit B
Product: Student loan

Formal complaint regarding data breach, XXXX & XXXX XXXX Violations ... Request for Immediate Discharge of Student Loans I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( XXXX ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.
Product: Credit reporting, credit repair services, or other personal consumer reports

My second mortgage was transferred to a new company after closing. The new company added a {$250.00} without notice and also never sent any communication that payments changed during the process. I had payments set up automatically with my bank each month. On the month of XX/XX/2022 I got a notice from my bank that I had a late account on my credit file. I reached out and XXXX ( the mortgage servicer ) told me that I had underpaid and they do not accept payments not of the correct amount. Not once did they reject any payments and not once did I receive any communication via phone, text, email or mail that my account was past due. After showing all payments and even having documents from them that they show payments processed they would not remove the late account on my file. I have tried three times and they are not willing to remove even though their own statements they finally sent me shows payments made and on time.
Product: Credit card or prepaid card

Hello I have applied my Amex XXXX personal Credit card with American Express on XX/XX/2022. And the Agreement says XXXX $ threshold limit for getting XXXX points. I have reached the threshold amount and paid back on XXXX, XX/XX/2022 itself. But i haven't received any welcome Bonus points yet. When i call American Express customer care they are giving different time frame to provide this XXXX points. But now i have waited for all the time frames and not yet received the points. when i ask them they are not answering properly when i'll get my points. I have attached my payments details from the first statements. 

Thanks XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am writing to formally lodge a complaint against both XXXX and TransUnion regarding their inability to resolve an issue that has severely impacted my ability to access my credit report. This unresolved matter is causing significant delays in the process of purchasing a home, as my lender is unable to access the necessary credit information. Despite my extensive efforts over the past seven months, XXXX and TransUnion has failed to address my concerns or provide a satisfactory resolution. 


I have contacted XXXX approximately 27 times and TransUnion about 10 times to resolve this issue. Each interaction has been met with inadequate customer service, leaving me without a resolution. 

As requested by XXXX and TransUnion, I have submitted the following verification documents on three separate occasions via certified mail : Copy of my Social Security card Copy of my passport Copy of my drivers license Copy of my passport card All documents were sent via certified mail to ensure receipt by XXXX and TransUnion. Despite fulfilling all documentation requirements, I have received no confirmation or resolution from the company. 


Over the past seven months, I have repeatedly submitted the required documents and reached out to XXXX and TransUnion for assistance. 

During this time, I have not been granted access to my credit report, and XXXX, TransUnion has not communicated any updates or reasons for the delay. 


I am currently in the process of purchasing a home. However, my lender is unable to access my credit report, which has stalled the approval process and jeopardized my ability to secure financing. 


The lack of resolution from XXXX and TransUnion has caused significant stress and frustration. The repeated failure to address my concerns has left me feeling helpless and concerned about potential repercussions on my financial goals.
Product: Checking or savings account

My account is pending closure which is fine, i have absolutely no access to my funds I am 3 months lregnant to no cash access and citibank is withholding my funds up to 60 days i have no money to live off of and they di not seem to care about this issue i needs funds to be release
Product: Debt collection

InXX/XX/XXXX, I began to clean up credit report. XXXX was disputed as paid though XXXX ( XXXX XXXX XXXX, XXXX XXXX NJ, XXXX/ ( XXXX ) XXXX ) and removed inXX/XX/XXXX. ( see attachment ) About two weeks later, XXXX XXXX  XXXX ( XXXX XXXX XXXX, XXXX XXXX, MN XXXX -- ( XXXX ) XXXX ) added an account for XXXX in the amount of {$900.00} to my credit report. On XX/XX/XXXX, I called XXXX and told them of this pay agreement and asked for it to be removed and sent a copy though U.S. mail. Also called XXXX headquarters number ( XXXX ) sent to ext. XXXX She said that they showed no agreement with XXXX. first puzzle if they showed no agreement then why was debt minus {$730.00} and disputed overbilled amounts from original billing. I called XXXX and they said paperwork was sent to XXXX on XX/XX/XXXX when agreement was paid in full. returned call to XXXX to let know of this and begins run-around. on XX/XX/XXXX, called XXXX to verify receiving agreement and again received run around. XXXX  told me that day that XXXX repeat of sending over contract confirmation would go though recovery and to call ( XXXX ) XXXX  thyis is a computer and I am not allow into it because I do n't know old phone number from XX/XX/XXXX. HELP, PLEASE
Product: Checking or savings account

I was informed of Wells Fargo law suit as I have been a Wells Fargo Customer since @ 1993 and did have some issues with added sur charges
Product: Checking or savings account

This complaint also relates to # XXXX of which that acc was closed and a back office supervisor said I was right about interest calculated and pd for the time period of identical months but since the acc was closed they can't do anything about it... .really. Want my {$920.00} returned because per them this was a bank error. 

Well on a new acc the same thing has happened, same time period, same daily interest rate, same balance. Ally paid {$790.00} between XX/XX/28 to XX/XX/28 but then paid XX/XX/28 to XX/XX/28 $ XXXX Something is going on here. On the previous complaint you referred me to Federal Reserve but they referred me back to you. 

I am also getting a reply back from customer service agents which are not qualified to respond to this just by reading their response.
Product: Credit card or prepaid card

I recently went out to Capital One and paid my balance in full on XX/XX/XXXX bringing my account balance to XXXX dollars according to their website. I then get a new bill from them for {$52.00}. 
This was for Interest charges for purchases, and the last purchase I had made was back on XX/XX/XXXX. 
I called the company to ask how I got an additional charge after utilizing their site to pay off the card and was told that the site does not have interest calculated till the end of the billing period. Thus, the additional {$52.00} was owed. As I was talking to the agent she gave me that amount as my final payoff amount, and then came back and said it would not be just over {$53.00} dollars. On what purchases I asked and after a period came back and said the {$52.00} was fine and I submitted the payment and closed the card. 
I believe there should be better handling of interest on charges, clearer actual payoff amounts online, and do this possible " shady '' practice I no longer wish to do business with them. 
This policy seems to benefit them as the cardholder as it keeps that interest charges unknown unless you call, or wait for another bill and get a SURPRISE. 
So primary take away is that unlike many other companies I have found that Capital One is not truly fair to those who pay off their bills utilizing their online site. It's possible that someone, such as myself, believes we finally at XXXX, to just have another bill come.
Product: Checking or savings account

My bank is charging me XXXX for 3 duplicate checks Made on XX/XX/2022. I contacted wellsfargo hoping they would solve my concern but they treated me badly and blaming me for those transactions. At this day my account is XXXX And I dont want to see my record affected for this transactions
Product: Credit reporting or other personal consumer reports

Good day, upon checking of my credit report recently, I found some credit inquiries that I do not recognize and believe to be fraudulent as I have not applied to them. I did not give permission to these companies to pull up my credit report. This is really alarming as I might be already a victim of possible identity theft.
Product: Checking or savings account

I opened a Cash App account, I paid {$53.00} for the premium metal debit card ... then before the card even arrives they restrict my account making me ineligible to even use a debit card stating I needed to reverify my identity.. so I tried this several times all failing finally I told them to just refund my XXXX and close account they refused I then stated I would be filing a complaint, then I was in violation of terms and services and closed my account completely... they won't tell me why or return my money
Product: Credit reporting or other personal consumer reports

TransUnion continues to report inaccurate information on my credit file despite inaccurate. they continue to claim that it was verified but have yet to provide me with proof of this verification and the source that I requested. Which under the FCRA I'm entitled to.
Product: Debt collection

I am a victim of identity theft due to an XXXX Credit Breech.CREDENCE RESOURCE MANAGE XXXX XXXX XXXX XXXX, MI XXXX, acting on behalf of XXXX XXXX, has continued to report this fraudulent account, contact me to harass me and send me threatening letters.Even after they have received on XX/XX/2020 identity theft documentation and notification that this account was a result of identity theft accordance with of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly.