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

I was trying to activate my TV to be able to use XXXX XXXX Video but clicked on the wrong link which was made to look like the XXXX activation support web page, and was scammed by a man impersonating an XXXX tech manager who had two XXXX transactions processed from my BOA checking account. I contacted XXXX immediately and they confirmed it was a scam subsequently I called BOA immediately and spoke with a man named XXXX in XXXX, AZ who, even with pending transactions are indicating in my checking account, said the transfers could not be stopped. 

I never asked for XXXX feature to be added to my account, never have used XXXX in the past, and do not know how it works. My wife has transferred funds between her BOA account and our son 's and sister-in-law 's BOA accounts but never used XXXX either for the transactions. 

If I was able to immediately put a hold on the transactions so that when I did contact BOA they could verify it as a scam and subsequently delete the transactions before I lost the money. 

Bank of America denied my claim for a refund, saying I, the victim, was the one who authorized the transactions. Bank of America is one the the banks that own XXXX and I never requested go be linked to XXXX can I be included in the class action law suit indicated below? 

" XXXX, a peer-to-peer payment app, is under fire for enabling fraudulent transfers between customers and scammers. Theres an ongoing class action suit against Bank of America that claims the financial institution downplayed huge security risks of linking XXXX to one of its bank accounts. The Consumer Financial Protection Bureau ( CFPB ) is reportedly preparing new guidance that would require banks to reverse fraudulent transfers. ''
Product: Payday loan, title loan, or personal loan

I applied for a loan. I asked if they were doing a hard or soft pull on my credit. I was assured that it was a soft pull. I ended up turning down the loan because I did not want it. I had a better offer from a different company. I told them I did not want the loan. I found out from the other company that OneMain did do a hard pull. When I told them I did not want the loan, I asked for a letter within the next seven days because that is how long the other offer through the other company was good for. I was told that was not possible. They were extremely rude and now I can't even get a letter stating that I turned down the loan so I can get the other loan.
Product: Debt collection

Please reference complaint numbers XXXX and XXXX from XX/XX/. 

As of XX/XX/, per my local court clerks, this file has not been withdrawn and no " hardship hold '' has been placed on my account. This company stated to CFPB on XX/XX/2020 that a 60-day " hardship hold '' was placed upon my account. There is no hold, they are pursuing legal action, during a national emergency. XXXX and XXXX have lied to the CFPB, a government agency, and should be held liable. Capital One Bank, ( who has not yet even responded to the XX/XX/2020 complaint ), should also be held liable for the actions of their representative party. 

If the CFPB desires me to furnish the recorded telephone call where the XXXX and XXXX agent says to me that I do not have to respond to the summons of the lawsuit, I will gladly do so. It has already been given to the Attorney General of Texas and the XXXX XXXX of Texas. 

I will also begin to visit Capital One 's social media pages and demand to know why they would decide to file a lawsuit against a person who has continually attempted to get on a hardship payment plan, especially during a national emergency. I will also demand to know why, ( as XXXX and XXXX stated in the attached letter response ), they would NOT take the file back into their possession.
Product: Credit reporting or other personal consumer reports

I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

I have had many problems with Navient. Not sure where to start, but the most disturbing thing is what they did to me this weekend. I called because I had never received the paperwork to renew my income based repayment and the lady verified my address which was an address form 10 years ago in a different state, which is impossible because I get mail from them daily at my current address. Then she said that is probably why I never receive them. They also over charged me one year and put me on income based repayment and had me pay {$35.00} a month for like a year and then next year when I was making more money they had me at XXXX. I usually end up with XXXX dollars due, because I make that little and have dependents to take care of. I had explained that I answered an email that said answer yes and they would not charge me extra but it would not go on my credit report. It is on my credit report in 5 separate entries each month which has messed up my credit tremendously. On XX/XX/XXXX, I was told to do another forbearance to bring my loan current and I agreed. on XX/XX/XXXX, my credit alert emailed me saying on XX/XX/XXXX, Navient posted 5 new late payments on my credit report. It looks as though my unpaid principal is now XXXX after all these forbearances ( unfortunately, I have not been able to obtain employment that allows me to live and pay my bills ), and the last bill I received from them last month was for {$4000.00} to be paid immediately. I have asked about the public services loans, which I have been working for non-profits with children since XXXX and have never received any guidance on how to do this. This company plays major games with people and ruins peoples lives and their credit.
Product: Credit card or prepaid card

We signed up for the American Express XXXX card in XXXX under their promo to spend $ 3k to get 25k bonus points. We spent close to $ XXXX and didn't get the bonus. After several billing cycles closed, we contacted Amex to ask about the bonus and they told us to wait and that they couldn't open a case until after 6-8 weeks after the spending was met. We waited and then contacted Amex in XXXX and was told we didn't meet the limit because the promo we signed up for required $ XXXX spend and we were short {$190.00}. They misled us and caused us to lose out on the bonus that is worth at least {$400.00} in value. They said the welcome letter included the terms of the bonus and we've been a customer since 1995 and I have never seen any disclosure to the welcome bonus. The only disclosure we received is the fees. It's a shame that a company as AMEX would try to lure loyal customers to use their cards and then cheat customers out of their hard earned money and points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three CRA 's letting them know they have violated me as a consumer by reporting inaccurate and incorrect information on my consumer report. Per Congress consumer reporting agencies are to insure their grave responsibilities with fairness, impartiality, and a respect for me the consumer 's right to privacy which has been violated. 15 USC. 1681a ( 2 ) ( A ) ( i ) states the term " consumer report '' does not include - any - report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC.1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian allows consumers to create an online account at experian.com. This account lets consumers view their credit information, including their credit reports. 

On XX/XX/XXXX, due to the XXXX data breach, I placed a " freeze '' on all my credit data. On XX/XX/XXXX, while attempting to " unfreeze '' my Experian report so XXXX XXXX could access it, I discovered an account referencing my social security number and other personal details that already existed on experian.com. 

Based on the username assigned to the account, I suspected another person known to me had fraudulently created the account. I immediately contacted Experian for additional information. Based on the date when the account was created ( XX/XX/XXXX ) and the responses to the " challenge questions '' ( my last name and the unauthorized person 's birth year, respectively ), I sought additional information from Experian to confirm this fraudulent access to my credit data. Two separate teams at Experian Membership and Fraud were unable or unwilling to help me.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX and XX/XX/XXXX was scammed out of XXXX  dollars in gift cards and demanaded money from me im left short
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the company on various occasion trying to resolve the matter to no avail, I receive an email stating that they cant verify my identity and I am no longer responsible for the amount, I contacted them on XXXX, the amounts are XXXX and XXXX, I have email going back and forth trying to resolve the matter and also emails from them stating that the balance will not be my responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX Balance Owed : {$160.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance XXXX XXXX {$24000.00} ; XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXX  Balance Owed : {$5000.00} ; XXXX XXXXXXXX Balance Owed : {$8400.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance Owed : {$160.00} ; XXXXXXXX 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
Product: Debt collection

CRM is attempting to collect on behalf of XXXX for a debt that isnt mine. This needs to be deleted from credit report as CRM is unable to show validity of debt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 Account Name : MACYS/CBNA XXXX XXXX XXXX  ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Care Credit used and accepted by healthcare providers and managed by Synchrony Bank let 's you pay for say tooth implant with interest free payments. They put you on a payment plan for 18 months that's interest free. You would assume that they put you on a plan that would pay off the debt in 18 months but that is not the case. At the end of 18 months you get hit with a huge interest payment. $ ( XXXX ) in my case because the total amount had not been paid off. However, they set up the payments so they put you on a plan that they know will not pay off a balance and then they don't alert you to the amount of interest you will be hit with when the " promotion '' wears off. This is particularly predatory because it is in every doctors office, dentist, dermatologist office and they are preying on people who are particularly vulnerable. 

I did not get a notification that the plan was about to end and I would face a huge interest rate payment
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Balance : {$0.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX : {$1800.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX Balance : {$0.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified.
Product: Vehicle loan or lease

The allocation of payments has not been made accordingly. I recently made a {$1300.00} payment to cure the late fees and get back on track, but for some reason, I can not get an answer as to why the additional principal payment is not being applied to the late charges. 

I am requesting that XXXX XXXX please waive the late fees on the account so that I can get back on track.
Product: Mortgage

Caliber Home Loans failed to make my escrow payment to my County taxes for my Home. I received a letter from XXXX XXXX County telling me my taxes were delinquent. I called my escrow department and they could not give me a answer on why my payment was not made. I went to the court house and made my XXXX tax payment plus the first XXXX months of XXXX because of the non payment of my taxes. I paid XXXX towards the last XXXX months of taxes. I faxed Caliber Home loans my receipt of payment and asked for a refund. That was over 65 days ago. When I call all they can tell me is they will be doing an escrow analysis, this has been going on for 65 days now and no analysis.Management refuses to call me back and caliber refuses to refund me my taxes. Please help me.
Product: Payday loan, title loan, or personal loan

In XXXX I asked for {$400.00} loan and the girl insisted she gave me {$1100.00} I told her I did not need this amount she said you can give it back what you do not use. I paid XXXX payment of {$220.00} and today asked for a payoff and was told it would be {$1300.00} does that not mean I am charged {$540.00} interest for 2 months PLEASE ADVISE THANKS XXXX XXXX
Product: Credit reporting or other personal consumer reports

The presence of fraudulent, inaccurate, and misleading information on my consumer report continues to cause significant disruption in my life despite my repeated attempts to resolve these issues. As a victim of identity theft, I never authorized or consented to these entries being associated with my name, yet their ongoing presence has generated immense stress and XXXX  while severely impacting my financial stability and everyday wellbeing.
Product: Mortgage

Below is what I've submitted to Wells Fargo. I'm trying to close on a house, and this issue is what is holding it up. I was told that the issue would have a resolution on XX/XX/XXXX, and was told on XX/XX/XXXX that now it won't be resolved until XX/XX/XXXX. Over the last few months Ive had many, many issues in regard to my automated online payments. On SaturdayXX/XX/2018 I logged into my Wells Fargo mortgage account to make sure my automated  payment had gone through, or was pending to submit. On this day, I saw no pending amount on either my checking or mortgage accounts, and nothing was listed in my scheduled transactions. I got nervous, as I didnt want for it to be late and forced a payment through. On Monday, XX/XX/XXXX I received notice that I was hitting an overage fee, as there was not enough money in the checking account, because it was trying to push two payments through to my mortgage. I called and went into the bank to put a stop payment on one of the payments so that I would not continue to receive overages. I strongly believe that this was a technical bug since I did not see any pending payments and would have never submitted another payment if I knew it was coming out. After the issue in XX/XX/XXXX, I was told that everything should be fine and to trust the automated payments going forward. I assumed my XX/XX/XXXX payment went through, as I saw it posted on XX/XX/XXXX and confirmed with an agent that it was paid ( you can look through my login history, and call/ticket history ), only to be reversed by Wells Fargo XX/XX/XXXX. I did not receive a letter from Wells Fargo telling me that the payment was late until XX/XX/XXXX, after the 30 day late payment. I have several calls, office visits and emails requesting to ensure that everything was fine with my account, as I didnt want to be overdue. As you can see it happened again in XX/XX/XXXX, even after I had confirmed with your staff that everything looked fine. I am very disappointed and frustrated as I have a paper trail where I have made payments, only to have them reversed, and only to be told by Wells Fargo that everything is fine with the account. We are now looking to have a child and buy a new house closer to family, but our credit scores have been badly damaged by this issue which I strongly believe stems from a Wells Fargo technical glitch, and several Wells Fargo customer service interactions where I was told the issue looked fine and wouldnt happen again.
Product: Prepaid card

On XX/XX/XXXX, I received an American Express gift card from work for {$100.00}. Amex states that when you use the card, it must be less than {$100.00}, which means you would have to find a transaction that is exactly {$100.00} in order to use the entire card. On XX/XX/XXXX, I bought an XXXX gift card for {$100.00} so that I could spend the entire card. Amex put a {$0.00} holding fee on the card, and then immediately declined the REI transaction ( since apparently the {$0.00} holding fee means there is only {$99.00} in my account, even though the holding fee is not a real fee ). I called XXXX and they confirmed that they did not put the {$0.00} fee on the card. It then took Amex 11 days to refund the {$0.00} on the card ( card balance is now back at {$100.00} as of today, XX/XX/XXXX ).
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Comenity Capital Bank/Zales for inaccurately reporting late payments on my credit report, despite prior agreements and full payment of my account balance. 

In XX/XX/year>, I contacted Comenity Capital Bank to request hardship status and was assured that I would not receive any negative marks on my credit report as long as I adhered to the agreed-upon terms. As part of this agreement, I was placed on a promise to pay plan with a scheduled payment for XXXX. I have fully paid off my balance, and yet, the company continues to report a late payment. 

This is now the eighth time that a representative has incorrectly reported a late payment on my account, even though my recordsand a screenshot of my large paymentclearly show that I have fulfilled my financial obligations. I have spoken to representatives who confirmed that my payment was made, but due to internal processing delays, the negative mark remains on my credit report. This is an egregious error on Comenity Capital Banks part and a clear failure to uphold their responsibility in accurate credit reporting.

These continued inaccuracies are significantly impacting my credit score, and as a mother of XXXX, I am in the process of purchasing a home for my family this month. Due to these false reports, my ability to secure a home loan is now in jeopardy. I am demanding the immediate removal of these inaccurate late payment remarks from my credit report. 

I urge the CFPB to investigate this matter and hold Comenity Capital Bank/Zales accountable for their failure to accurately report consumer credit information. I appreciate your prompt attention to this issue and request written confirmation once the matter has been resolved.
Product: Credit card or prepaid card

On XX/XX/2023 I used this card with my PIN number to get gas. I got {$25.00} in gas and when I got on to check my balance it had a hold for {$150.00}. I called to see how long this will take as we are on day XXXX of this hold. 

The prompts are not user friendly so I went with the transaction option. I talked to a lady and she said she was sorry and that she can not do anything about this. 

I got a notification and see that a a {$25.00} " clearing report debit adjustment '' was charged to my account. I am not sure what that is for. If this is due to my call, I was never told about this charge. Can this be reversed or refunded? The lady never said anything about this nor did any of the prompts. Do to this {$25.00} charge my card is now negative {$22.00}. 

Also is there anything that can be done about the hold? I normally would not care about the hold but I am in need of this money to be able to go to the grocery store.
Product: Checking or savings account

My wallet was stolen and my identity was used to make fraudulent transactions on my account using my debit cards and my identification to make withdrawals one for {$40.00} one for {$300.00} one for {$2000.00} and one for {$6500.00} the one for XXXX and XXXX were refunded to my account however the other 2 transactions for XXXX and XXXX were denied stating that my identification was used. Which is correct because they were all stolen with my debt cards I have a police report and it was still denied by Wells Fargo. Claim # XXXX. Claim # XXXX.
Product: Bank account or service

I had a Bank of America and had ID theft on my Checking with XXXX.
I immediately restored my account with Bank of America and submitted the police report and Affidavit of Fraud to let them know. Bank of America stated they would not change th information and that I did fraud against my self and they will keep the information no matter what was sent in for proof.. I was also helped by XXXX to freeze my credit reports and notify all business in question.

I am now not able to get another account because of what was written.
I still have my XXXX account but wanted to get another account for safety reason can you please address this issue as I have take all necessary steps to protect myself.